Did you know that PIA National Carrier Council has conducted nationwide research about what Gen Z is looking for in a job?
Every insurance agency wants to attract and grow the next generation of leaders. But what matters most to Gen Z? We know they place a high priority on several things that go beyond salary and benefits.
To help agency owners and principals identify ways to appeal to and motivate next generation leaders, we talked to agency employees, managers, and owners in a variety of roles across the United States to understand the ways they think about their jobs and careers. They shared stories about the unique opportunities and challenges they face in today’s market and the ways they’re looking to make an impact.
This is an industry-wide issue. According to a recent US Chamber of Commerce report, less than 25% of people in the insurance industry are under age 35, while the number of people 55 and older has increased 74% in the last 10 years.
To access the newest PIA Partnership project, Winning@Work, A Report on Gen Z in Insurance Agencies, visit us at www.pianational.org/pia-national-carriercouncil/winning@work/winning@work.
If you are not a PIA member and want to access all of the tools available through this program, contact us for a membership application or visit us online at https://www.pianational.org/Join-PIA.
Businesses & Risk: An Important Report | 6
Hub International issued a report on how businesses in 10 sectors are managing risk.
The PIA NE IA Introduces Trusted Risk Advisor: Take your credibility to the next level | 7
The PIA NE IA is introducing an important new designation. It’s The Trusted Risk Advisor™ Certification Program (TRA) from Beyond Insurance.
Insurance Jobs: Negatives & Positives | 8
The US Bureau of Labor Statistics (BLS) released some information last week on insurance jobs. Employment for claims adjusters saw a loss of 2,500 jobs from October to November.
Climate Change, Home Buying & Homeowners Insurance | 9
Kin is a direct-to-the-consumer, digital homeowners insurance company. The firm has produced its first annual Kin’s Homeownership Trends Report. The document says half of U.S. homeowners are considering a move.
Your Clients & Their Budgets & Insurance: Lots of Rethinking Going On | 12 Nationwide did a survey late last year on Americans and family budgets.
AI: Not Always that Productive. | 13
For months we’ve been hearing about how AI is going to replace jobs.
Ivans Report on Commercial Lines: Renewal Rates Up | 15
The Ivans Index found the fourth quarter of 2025 results for commercial premiums up over the year’s third quarter.
Insurance Shopping Dropping: J.D. Power Report | 16
J.D. Power regularly reports on how happy consumers are with insurers and their rates.
Cargo Theft: A Growing & Expensive Problem | 22
Cargo thefts rose significantly in 2025. Verisk CargoNet said theft losses rose while the overall number of thefts remained close to the same as 2024.
We are Living Longer — Life Expectancy in the US is a Record High 79 Years | 27 It usually takes a year or so for government agencies to assess a huge volume of data. The life expectancy figures from the National Center for health Statistics are for 2024.
Upcoming Events Calendar 2026 | 18
Earn Your Designation: CISR, CIC & CPIA | 24
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BUSINESSES & RISK
An Important Report
Hub International issued a report on how businesses in 10 sectors are managing risk. It found management aware of technological risks, regulatory issues and unrest on a geopolitical scale.
Hub Chairman and CEO Marc Cohen said the report also found few thinking they have the ability to manage those risks.
• 92% worry about rising operating and labor costs affecting profits
• Just 22% are confident they can manage those issues
“Most organizations know about the cracks in their foundation, but awareness alone doesn’t translate into readiness,” Cohen said.
Other issues are a big worry for management.
• 60% of those surveyed worry about AI, cyber and technological-related risks
• Only 21% think they can handle them
• 34% see geopolitical unrest as a threat to profits
• In 2024 that number was 19%
• Just 15% think they can manage how geopolitical risks might impact profits And how are they managing those risks?
• 50% say they’re operating at a basic risk maturity level
Cathy Klasi, Executive Director (402) 392-1611
Lindsey, Ad Placement (402) 392-1611
• Just 5% are operating with advanced risk maturity
• Sadly, only 15% of business leaders think employees should also be responsible for risk management
Source: Business Insurance
THE PIA NE IA INTRODUCES TRUSTED RISK ADVISOR
Take your credibility to the next level
The PIA NE IA is introducing an important new designation. It’s The Trusted Risk Advisor™ Certification Program (TRA) from Beyond Insurance. The program gives agents and brokers an enterprise risk management skillset through a logical, disciplined, and results-oriented framework.
“This program is designed for the mid career professional, done collaboratively with other insurance professionals around the country,” PIA Executive Director Cathy Klasi said. “It’s done online and in small blocks of time throughout the spring or fall dates you’ll find on the link below. I think it’s a great fit for what we are trying to achieve as being the leader in Insurance Education.”
While participating agents and brokers may enter the program with a proven track record of success, the TRA empowers them to sharpen arrows in their quiver, confirm that they have a “growth mindset”, and consider additional tools and tactics to significantly improve performance.
THE PROGRAM IS:
• Immersive, cohort-based microlearning modules facilitated by subject experts
• Collaborate with peers, experts, and coaches in an online environment
And you can earn the Trusted Risk Advisor™ designation in four months — no tests or annual update.
The Trusted Risk Advisor™ Certification courses range from 30-45 minutes per day and participate in the finale of each module via webinar. To earn the TRA certification, you must complete the TRA 1 – 4 modules in order and complete the series within an 18-month period.
Once the TRA is earned, the only requirement for maintaining the certification is to hold a current insurance license.
Please note: to earn this certification, agents and brokers must complete all four sessions entirely. And all of this is at a discounted rate, courtesy of your PIA membership.
• $1,000 for Western Alliance members
• $1300 for non members for all modules and Finale
CLICK THE LINK BELOW TO SIGN UP OR LEARN MORE: https://www.pianeia.com/ trustedriskadvisor
INSURANCE JOBS: NEGATIVES & POSITIVES
The US Bureau of Labor Statistics (BLS) released some information last week on insurance jobs. Employment for claims adjusters saw a loss of 2,500 jobs from October to November.
That’s the biggest drop of all insurance jobs.
Property and casualty insurers cut 1,500 positions and direct life and health insurers saw a loss of 1,700 jobs in that time frame. The BLS said agencies and brokers lost 800 jobs and reinsurers cut 100.
Overall, the insurance industry lost 9,200 jobs in November of 2025. In December things improved a little with just 1,800 positions cut. Total employment hit 3.02 million in December compared to 3.01 million in December of 2024.
The BLS report is fairly bleak. However, a report done late last year by the Jacobson Group and Aon said many insurance companies think their staffing levels will stay the same or even be higher than the present.
• 86% say they’ll add staff or maintain the current staff level in the next 12 months
• 53% say they’ll add employees
• 33% say staffing will remain at the current level
• 14% will be cutting staff
Overall, the report predicts total insurance industry employment could rise 1.03% in the next 12 months.
Source: Insurance Business Magazine
CLIMATE CHANGE, HOME BUYING & HOMEOWNERS INSURANCE
Kin is a direct-to-the-consumer, digital homeowners insurance company. The firm has produced its first annual Kin’s Homeownership Trends Report. The document says half of U.S. homeowners are considering a move. It also notes there will be more stability in the homeowners market in 2026 compared to 2025.
On the negative side, the report found homeowners are worried about climate change
issues and high insurance costs. Those are two major factors being considered when purchasing a home or changing homes. Kin calls it “weather anxiety.”
Kin found 90% of homeowners are very concerned they will experience continued climate-related damages to their homes in the next two or three years. Another 68% are sure in 2026 extreme weather events are going to increase in the area where they live.
QUESTION: Are you considering relocating in 2026 due to climate-related concerns?
• Yes, definitely considering it — 19%
• Yes, somewhat considering it — 30%
• No, not considering it — 45%
• I'm not sure — 6%
QUESTION: To what extent does the potential cost of home insurance weigh on your home purchase?
• Very heavily — 16%
• Seriously — 33%
• Moderately — 31%
• Slightly — 6%
• Not at all — 4%
The report says 25% who will be making a move based on climate issues will be leaving that state completely. Where won’t they go when they move?
THE LIST:
• Florida — 58% won’t move there
• California — 52% say no way will they move to the Golden State
• Hawaii — 24% won’t move to Hawaii
• Louisiana — 22% won’t move relocate there
• Texas — 21% will avoid the Lone Star State
• Alaska — 21% will not be moving North
A huge number of homeowners — 80% — are expecting higher maintenance and insurance costs this year. The survey found 82% think their homeowners insurance costs will rise and 72% see increases of somewhere between 1% and 10%.
Sadly, 31% say they aren’t sure they can afford to stay adequately insured and 49% say insurance costs are a huge factor in their
decision to purchase a home. By the way, 19% plan to change homeowners insurance providers this year.
For most people — 74% — a home purchase is out of the question right now because mortgage rates are too high. Those polled say rates need to drop to 5% or less in order to purchase a home.
Only 32% see a meaningful drop in interest rates in 2026.
All that disturbing news aside, Kin CEO Sear Harper believes the market will be much more stable in 2026.
“We went through a period of economic instability, but it was driven by macroeconomic factors like inflation and interest rates that have since been absorbed,” Harper said. “Elevated inflation was one of the big drivers of premium increases last year, but inflation is now occurring at a more predictable pace. Substantial premium increases were the story in 2024, but they weren’t the story in 2025, except for some places like California. And, they won’t be the story in 2026.”
Sources: Carrier Management and Insurance Business America
Over 130 years of shared success.
Farmers Mutual of Nebraska is now FMNE Insurance. We’ve teamed up with local independent agents to deliver dependable, affordable auto, farm, and home insurance for over 130 years. Our promise is to be “Always alongside you” with prompt, personalized service and unmatched financial strength.
Always alongside you.
YOUR CLIENTS, THEIR BUDGETS & INSURANCE: LOTS OF RETHINKING GOING ON
Nationwide did a survey late last year on Americans and family budgets. A high percentage are reassessing spending and their insurance budgets.
• 47% will be making fewer impulse purchases
• 32% are buying used or secondhand goods rather than something new
• 48% have canceled vacations
• 46% are going to skip — or at least delay — an auto purchase
We’re using our credit cards more now than in the past.
• 61% of us have credit card debt
• 20% have increased credit card debt in the past year
• 35% of us are now doing extra gig work to beef up our budgets
Nationwide also probed responders about the U.S. economy.
• 35% see the economy getting worse in 2026
• 78% worry about continued inflation
• 71% think continued global trade tension will affect them
• 43% don’t think they can manage health care costs
• 39% are going to struggle paying off their debts
And then there’s insurance. Nationwide — rightfully — says Americans need advice from an independent insurance agent or other financial professionals.
• Just 25% are working with a financial advisor or planner
• Sadly — and dangerously — many turning to YouTube and social media for advice
• 66% go to YouTube for financial planning advice
• 55% tune into Facebook for such advice
The good news. Nationwide senior vice president, Michael Tripp says at least a high percentage of those interviewed understand the need for professional advice when it comes to finances and insurance.
• 46% want insurance advice from an independent insurance agent
• Just 17% think AI is a good option
• 56% say they’ll never use AI for auto or homeowners insurance advice
“When financial uncertainty sets in, people don’t just need information, they need reassurance,” Tripp said. “AI can offer data, but independent agents have the experience and perspective to translate it into real-world protection that fits a family’s budget and priorities. It’s that personal connection and guidance that makes them feel secure.”
Source: PropertyCasualty360.com
AI
Not Always that Productive.
For months we’ve been hearing about how AI is going to replace jobs. Some companies have even started doing away with beginner positions and are letting AI do that work. That’s a whole set of worries for people trying to break into different professional fields of work like insurance.
Today’s worry? The amount of time it takes to fix AI mistakes and the difference between trained and untrained workers.
Yes, AI makes mistakes according to a survey from the AI orchestration platform, Zapier. Its AI Workshop survey of 1,100 companies considered serious AI users found some flaws in the system.
Emily Mabie — the Senior AI Automation Engineer at Zapier — said 92% of the
companies surveyed contend AI improves their productivity. However, she also points out that workers are spending 4.5 hours a week — or a half a work day per week — correcting AI errors.
Sometimes they have to completely redo the work of AI.
The survey’s report calls it “AI workslop” that, at a first look, seems perfect. The second look finds it lacking and sometimes needing a complete redo. Mabie said 74% of companies report at least one negative outcome from lowquality AI.
“The productivity gains from AI are real. 92% of workers feel them. But so is the cleanup work,” Mabie said. “The companies seeing the best results aren’t the ones avoiding AI. They’re the ones who have invested in training, context, and orchestration tools that turn AI from a sloppy experiment into a managed process.”
• Just 2% say they don’t often have to revise an AI production
• 74% have seen negative outputs from low-quality AI
• 28% have seen work rejected by stakeholders
• 27% have had security issues from AI
• 25% have seen and heard customer complaints
Data from the workslop list is the biggest headache:
• 55% say data analysis and visualizations need the most cleanup
• 48% of writing tasks need fixing
The good news for those using AI, 97% of workers with AI orchestration tools say it improves their productivity.
Zapier’s survey makes a real distinction between workers who are trained to use AI and those that aren’t. Those without training are six times more likely to admit that AI makes them less productive.
• 94% of AI trained workers claim AI improves their productivity
• 69% of workers not trained in AI say it improves their productivity
However, trained employees spending more time with AI spend more time fixing it.
Different firms experience different outcomes:
• Finance and accounting teams see 85% of negative consequences from AI use
• Those firms spend 4.6 hours per week doing cleanup
• Engineering and IT firms spend about 5 hours a week doing cleanup
• However, the negative consequences are only 78%
Companies spending 5 or more hours per week on AI corrections report losing revenue, and worse, clients and deals.
“The solution isn’t fewer tools, it’s better infrastructure,” Mabie noted. “Orchestration, training, and proper context convert AI from a vague experiment into a managed process where the extra cleanup is the cost of doing more meaningful work faster, rather than the cost of pretending you are.”
Source: CityBiz
The full survey results: Zapier Survey Finds Workers Spend 4.5 Hours Per Week Cleaning Up AI Mistakes - New research reveals 58% of enterprise workers spend time revising AI outputs; trained employees 6x more likely to see productivity gains
https://zapier.com/blog/ai-workslop/
IVANS REPORT ON COMMERCIAL LINES
Renewal Rates Up
The Ivans Index found the fourth quarter of 2025 results for commercial premiums up over the year’s third quarter. Senior Vice President Kathy Hrach said all lines saw increases except workers’ compensation.
“The commercial insurance market remains firm overall, though renewal trends suggest it is gradually moving off the peak conditions of recent years,” Hrach said.
More from the report:
• Commercial auto rose in the 4th quarter of 2025 an average of 6.97% — down from 2024’s 7.6%
• BOP premiums jumped 7.52%, down slightly from 2024’s 7.55%
• General liability had the highest increase going to 7.23% from 5.89%
• Commercial property rates rose 8.01% — up from 7.61% in quarter 4 of 2024
• Umbrella coverage rates went up 9.49% from 8.99% in quarter 3 of 2025
• Workers’ comp rates dropped an average of 1.61% — down from 1.42% in the third quarter last year
Source: Insurance Journal
INSURANCE SHOPPING DROPPING
J.D. Power Report
J.D. Power regularly reports on how happy consumers are with insurers and their rates. A report on the 4th quarter of 2025 by J.D. Power and TransUnion’s LIST Report said the number of people shopping for home, auto and renters insurance averages 13%.
The 4th quarter auto shopping figures are 0.2% down from 2024 and down 0.3% year-overyear. Actual auto switching fell 0.4 points.
Home insurance shopping is still on the rise. It rose in the 4th quarter of 2025 to 6.9%. That’s up 0.3% from the 3rd quarter and 0.4% yearover-year.
That’s shopping. The number of people actually changing insurers dropped by 0.4% in the 4th quarter from the 3rd quarter of 2025. It is also down 0.2% year-over-year to people actually changing insurers at 2.4%.
Renters insurance shopping also increased but those switching dropped.
The LIST report also lists customer loyalty. For auto in the 4th quarter, customers remained very loyal to COUNTRY, Erie, NJM, USAA and Plymouth Rock. The lowest loyalty rates sat with The Hanover, Direct Auto, National General, American Family, Amica and Root.
Home owners in the 4th quarter of 2025 were most loyal to Erie, COUNTRY, USAA, NJM and Shelter. Insurers Mercury, CSAA, The Hanover, Liberty Mutual, Allstate and ACG did not have as many loyal customers.
Renters were loyal to Travelers, USAA, ASCS, State Farm and Erie but did not remain loyal to CSAA, American Family, Farmers, Liberty Mutual and Allstate.
Source: PropertyCasualty360.com
Events Calendar 2026
February 5, 2026
February 10, 2026
11,
February 12, 2026
February 17, 2026
February 18, 2026
February 19, 2026
February 24, 2026
February 24, 2026
February 25, 2026 An Hour with Dave: Understanding Ordinance or Law (Because Insureds Still Don’t)
February 25-26, 2026 CIC: Commercial Multiline Institute
March 3, 2026 Eroding: The Personal Lines Implosion and What Happens Next
March 3, 2026 An Hour with Nicole: Making Sense of Homeowners Deductibles (Once and For All!)
March 4, 2026 An Hour with Dave: E&O: Talking Exposures with an Attorney
March 5, 2026 The Eight Mistakes You Won’t Make Again: Commercial Property Edition
March 5, 2026 Bad Machines, Evil People: The Latest in Cyber
March 10, 2026 Reasons Personal Lines are Broken (and What to Do About It)
March 10, 2026 CISR: Insuring Personal Residential Property
March 12,
March 12, 2026 Retirement Healthcare Solutions – Medicare and Others
March 18-19, 2026 CIC: Commercial Casualty Institute
March 24, 2026 Ethics in Insurance - Protecting the Client and the Agency
March 24, 2026 CISR: Other Personal Lines Solutions
March 25, 2026 Weird Personal Lines Rental Exposures
March 25, 2026 CPIA 2: Implement for Success
March 26, 2026 CGL Endorsements That Will Break Your Policy
March 26, 2026 C-Suite Savior: Mastering D&O, EPL and Other Executive Liability Policies
March 31, 2026 Incredible Efficiency: How Farms and Agribusiness Insureds Create Energy and the Risks/Insurance Issues Involved
April 1-2, 2026 Ruble Graduate Seminar
Webinar: 1 - 2 PM
Webinar: 8 - 4:15 PM
Webinar: 10 - 11 AM
Webinar: 8 - 11 AM
April 2, 2026 Flood: 3-Hour NFIP Training and the Latest Happenings
April 7, 2026
Endorsements Insureds Don't Want (But Do Need)
April 7, 2026 An Hour with Nicole: Personal Lines: Read the %^&* Form!
April 7, 2026
April 8, 2026
April 9, 2026
April 9, 2026
April 10, 2026
April 16-17, 2026 CIC: Commercial Property Institute
April 21, 2026 Recognizing Fraudulent Claims and the Insureds Who File Them
22,
23, 2026
April 28, 2026 Ethics, Diligence, Success: What Agencies Need to Know
April 28, 2026
April 28, 2026 CISR: Commercial Casualty II
29, 2026
April 30, 2026 The Contractor’s Property Coverages
April 30, 2026 The Contractor’s Liability Insurance Workshop
www.guard.com Our original specialty, Workers’ Comp has long served as the anchor line for our growing suite of commercial products. We distinguish our coverage by providing a host of value-added services before, during, and after a claim.
Cargo Theft
A GROWING & EXPENSIVE PROBLEM
Cargo thefts rose significantly in 2025. Verisk CargoNet said theft losses rose while the overall number of thefts remained close to the same as 2024. Organized criminal groups are now targeting items of higher value and have moved to new geographic targets.
Statistics:
• 3,594 thefts were reported
• Estimated total loss value: $724,978,757
The top target states account for 51.9% of all theft losses in 2025. The state of California is the top loss state followed by Texas at 2 and Illinois at 3.
The top targets are warehouses, distribution centers and truck stops.
Food and beverages and household goods are the items most targeted.
Digging into the report’s details, the 3,594 thefts in 2025 is very close to the 3,607 in 2024. However, CargoNet said the $724,978,757 in losses is a 60% rise of the value of losses in 2024. That’s a staggering statistic. The average value of thefts jumped 36% to $273,990 per incident. That’s up from the $202,364 in 2024.
The loss increase is due to thieves targeting higher value items that bring in a greater return for the risk.
California’s incidents numbered 1,218. The where of the incidents is what is most notable. CargoNet points to an 11% drop in thefts in Los Angeles County and an increase in other counties. Kern County California saw an 82% rise in cargo thefts. San Joaquin County’s thefts rose 44%.
Here are details on what’s being stolen. Food and beverage products had 708 incidents in 2025. That’s a 47% rise over 2024. Meat, seafood and nuts are the most targeted.
The theft of metal jumped 77% year-to-year. The demand for copper drove the increase.
Auto-related items like tires, parts for auto repair, motor oil and engines remained a highpriority for the thieves.
Verisk CargoNet vice president of operations, Keith Lewis said surprisingly, TVs, and personal computer thefts dropped.
“Criminal enterprises are becoming more selective and sophisticated, targeting extremely high-value shipments rather than relying on opportunistic theft,” Lewis said. “This strategic shift explains how losses can rise 60% even as overall incident volume holds steady.”
Look for an increase of high-value goods being targeted by thieves in 2026.
Source: Fleet Equipment
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CISR
May 5, 2026
Elements of Risk Management
May 19, 2026
Insuring Personal Residential Property
June 9, 2026
Insuring Commercial Property
June 23, 2026
Insuring Personal Auto Exposures
July 14, 2026
Commercial Casualty I
July 28, 2026
Agency Operations
August 4, 2026
Other Personal Lines Solutions
September 1, 2026
Elements of Risk Management
October 6, 2026
Commercial Casualty II
October 20, 2026
Insuring Commercial Property
November 17, 2026
William T. Hold Seminar – Personal
December 8, 2026
Agency Operations
CIC
May 27-28, 2026
Ins. Company Operations Institute
West Des Moines, IA & Online
June 3-4, 2026
Commercial Multiline Institute
Online
July 22-23, 2026
Agency Management Institute
Online
August 27-28, 2026
Ruble Graduate Seminar
West Des Moines, IA & Online
September 23-24, 2026
Commercial Casualty Institute
Omaha, NE & Online
October 14-15, 2026
Personal Lines Institute
Online
November 4-5, 2026
Life & Health Institute
Online
December 2-3, 2026
Commercial Property Institute
Online
CPIA
May 20, 2026
Special Topic: An Agent’s Guide to Understanding & Mitigating Cyber Exposures
August 18, 2026
CPIA 1: Position for Success
September 17, 2026
CPIA 2: Implement for Success
October 21, 2026
CPIA 3: Sustain Success
November 19, 2026
Special Topic: Disaster & Continuity Planning for Businesses & Families
WE ARE LIVING LONGER
Life Expectancy in the US is a Record High 79 Years
It usually takes a year or so for government agencies to assess a huge volume of data. The life expectancy figures from the National Center for health Statistics are for 2024. And the 2024 figures say life expectancy in the U.S. is now 79 years. That’s up from the COVID-19 low of 76.
Robert Anderson of the National Center said it is the highest we have ever gone. Declining deaths from heart disease, cancer and drug overdoses drove the rise.
In 2024 the 3.07 million deaths is 18,000 below 2023. Death rates fell for all racial and ethnic groups and for both men and women. Heart disease continues to be the top killer in the U.S. However, it dropped by 3% in 2024. Unintentional deaths like drug overdoses dropped the most at 14%.
"It's pretty much good news all the way around," Anderson said and pointed out that improved numbers are also expected for 2025.
Andrew Stokes is a researcher at Boston University. He said the bad news is the United States life expectancy is still below dozens of other countries.
Source: CBS News
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