Eroding: The Personal Lines Implosion and What Happens Next

Includes a Live Web Event on 06/12/2025 at 9:00 AM (EDT)

Personal Lines markets continue to deteriorate. Agents and account managers are scrambling, carriers are changing course daily, and the insured often is left with reduced coverage and higher premiums. This course will explain how we got here and what insurance pros can do to understand, explain, and advise insureds as to how to protect themselves until conditions (hopefully!) improve.

Nicole Broch, CIC, CISR

Territory Sales Manager

The Hanover Insurance Group

Nicole Broch spent over a decade as an Independent Insurance Agent and Manager of a successful partnership between a community financial institution and a local independent agency in Springfield, Illinois. She attended The Hartford School of Insurance and achieved her National Underwriter awarded Personal Lines Coverage Specialist (PLCS) designation in 2005. She went on to receive the National Alliance CISR designation in 2007 and CIC designation in 2009.

In addition to teaching National Alliance CISR modules, IIABA Errors & Omissions, Ethics, and customer service and professional development topics for IIAs, PIAs, and trade associations throughout the country, she is the Territory Sales Manager for The Hanover Group, supporting independent agents throughout Central and Southern Illinois. Originally from Florida, Nicole has a Bachelors degree in English from Florida State University and a Masters degree in Public Administration from the University of South Florida. Nicole has two children, Natalie and T.J., and enjoys playing golf, running, spending time with family, and volunteering in her community and in the insurance industry.