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October 2, 2025 7 mins

Every week, Michael Jans cuts through the noise to deliver six signals that matter for independent agency owners. In this 7-minute briefing:

  • Why slowing premium hikes point to an impending soft market 📉
  • M&A trends: fewer deals, bigger valuations 💰
  • California’s wildfire model shift — and what it could mean for the nation 🌲🔥
  • AI’s overlooked growth power (hint: it’s not cost-cutting) 🤖
  • Cyber coverage: new capacity, low penetration, big opportunity 🔐
  • Record profitability… but is it real? 📊

Plus: who got bought this week, and why niches always win.

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