Climate volatility is no longer a future threat — it's today's reality. Wildfires, floods, hurricanes, and other natural disasters are increasing in both frequency and severity. And with that comes an unavoidable side effect: rising premiums.
As risk models are recalibrated and capacity tightens, insureds are shopping more than ever. Retention is slipping. Distribution is reshuffling. And the stakes are higher than they’ve ever been.
The question isn’t if your clients will shop around — it’s what experience they’ll have when they do.
When catastrophe losses mount, carriers respond with:
From California property to Florida contractors, risks that were once easy to place are now drawing multiple declines. Policyholders are often caught off guard — and brokers are left scrambling.
“A business owners policy that was $15,000 last year is now $21,00. The client isn’t just upset. They’re shopping. And fast.”
It’s not just about who has the markets — it’s about who can get to them efficiently, and who delivers confidence to the insured in a moment of uncertainty.
In this new landscape:
Those that deliver a seamless quoting experience win not just the deal, but the renewal.
At CoverForce, we believe that quoting velocity + broker confidence = market leadership.
That’s why we’ve built our platform to:You don’t win by having the cheapest price. You win by being the most reliable, responsive, and ready when your clients need you most.
When natural disasters force your insureds to shop, they don’t just want a quote — they want answers. The broker who delivers that with speed, clarity, and options becomes their long-term partner — even if the premium went up.
In an era of rising risk, those who invest in experience will win in spades.