A-O Summit Details
Commercial Lines 2026: Market Pressures & Growth Opportunities: Get insight into commercial market trends, underwriting priorities, and where we see profitable opportunities for growth.
Cyber Security: Real Threats. Real Coverage. Real Consequences: Cyber-attacks aren’t hypothetical — they’re happening every day. Learn what today’s most common cyber threats look like, how they impact businesses and agencies, what Auto-Owner's coverage provides, and what steps to take if your agency experiences a breach. Walk away better prepared, better protected, and more confident in advising your clients.
Inside the Claims Process: How to ensure your customers have a successful claims experience: Our claims team will share common loss trends, how to streamline the claims process, and how underwriting and claims partner to prevent coverage gaps.
Personal Lines 2026: What’s Changing & What’s Coming: Hear what we’re seeing across the industry, emerging trends impacting your book, and what AO has on the horizon.
Survey Says: How Your Feedback Shapes AO’s Decisions: Have you ever completed a survey with Auto-Owners and wondered if it actually mattered? In this session, we’ll pull back the curtain on how survey data influences decisions, drives improvements, and impacts products, processes, and agency support. You’ll see how your feedback turns into action — and why your voice carries more weight than you think.
The Evolving Vehicle Fleet: What It Means for Claims, Costs & Safety: Vehicles today are safer but far more expensive and complex to repair. From advanced tech to electric vehicles, the auto landscape is shifting fast. We’ll break down what’s changing, why it matters, and how it’s impacting claim frequency, severity, and risk so you’re better prepared for what’s ahead.
What Customers Really Value: Insights That Can Grow Your Agency: We partnered with a third-party vendor to uncover what customers truly care about when choosing and staying with an insurance provider. In this session, we’ll share the key findings, surprising insights, and practical ways you can apply this data to strengthen relationships, improve retention, and drive growth.
Audit Readiness: A Competitive Advantage: Prepare your insureds for a successful audit. Learn how audit types are determined and what to do if results don’t match the policy.
Beyond Policies: Unlocking Bond Opportunities: Did you know AO writes bonds? Discover which insureds typically need them and how to identify cross-sell opportunities
Billing Made Simple: Options That Improve Retention: Billing can either create friction or build loyalty. Learn the options available to your clients, how to navigate the system efficiently, and how to position billing as a service advantage.
Builder’s Risk Without the Risk: Write It Properly the First Time: Builder’s Risk isn’t one-size-fits-all. Learn the available options, common coverage gaps, and how to structure policies correctly with AO to protect both your insured and your agency.
Closing Coverage Gaps with Umbrella Solutions: Umbrellas are one of the simplest ways to deepen relationships. Learn where we compete best, how to present effectively, and how to use umbrella coverage to strengthen accounts
Commercial Auto Classifications: Building Confidence and Achieving Accuracy: Classifying Contractor auto policies can be tricky— and mistakes are expensive. We’ll walk through the quoting system together and show you how to confidently select the right class for every risk.
Cross-Selling Life: Protect More, Earn More: Are you maximizing opportunities by asking about life coverage? Learn key sales triggers and how offering life insurance strengthens relationships and revenue.
Digital Expectations: What Your Clients Want Now: Today’s customers expect digital access. Learn how the app enhances their experience, how to enroll insureds, and how it supports your agency.
E&O Exposures: Protecting Your Agency Before It’s Too Late: What are the most common E&O risks agencies face? Learn prevention strategies and review the E&O coverages AO offers
Garage Coverage Decoded: Liability, Garagekeepers & “On the Hook” Explained: Confused about “On Hook” coverage or the difference between Garagekeepers and Garage Liability? We’ll break down the key coverage parts, common pitfalls, and how to confidently target the right garage risks.
Identifying Your Ideal Personal Lines Client: Who fits the AO personal lines profile? We’ll review common characteristics, coverage preferences, and how to identify strong opportunities.
Importance of High-Value Home Surveys: Home surveys can raise questions. Learn why they’re required, what we evaluate, and how the information supports underwriting decisions.
Leading Productive Conversations About RCE's and Building Values: RCE conversations can be uncomfortable. Learn how to explain increases, handle objections, and navigate needed changes while strengthening client trust.
Personal Auto Quoting: Tips, Tricks & Faster Results: In this interactive session, we’ll walk through personal auto quoting, explore coverage options, and share practical shortcuts to improve efficiency and accuracy.
Portal Power: Find What You Need in Minutes: Explore the agency portal’s most valuable tools and resources to save time and improve efficiency.
Property Managers: Rating Them Right Before Audit Time: Property management risks can create audit surprises. Learn how AO defines them, how to rate them correctly upfront, and how to avoid uncomfortable post-audit conversations.
Quote Smarter. Bind Faster. Earn More Commercial Business: Join us for a live, interactive walkthrough of the quoting system. We’ll explore coverage selections, efficiency shortcuts, and practical strategies to move from quote to bind with confidence.
RCE Deep Dive: What’s Driving Values (And How to Limit Increases): What really goes into the Replacement Cost Estimator? We’ll break down assumptions, what drivees changes to values, and how to improve accuracy so you’re not caught off guard at renewal.
Roofs, Rating & Reality: What Really Matters: How much does roof type impact premium? How do you verify roof age? What’s the difference between cupping and curling? We’ll answer common roofing questions and their underwriting impact.
Sticker Shock: What Claims Really Cost (And What Happens Next): How much does that claim actually cost? We’ll review common loss types, their average payouts, and walk through the First Notice of Loss process so you can set clear expectations to avoid surprises in the claims process.
Survey Recommendations: What They Mean & What to Do Next: Did a commercial survey come back with multiple recommendations? Learn how to interpret them and how they impact underwriting decisions.
Turn Personal Lines Into Commercial Revenue: You insure their home and auto — why not their business? Learn conversation starters, cross-sell triggers, and positioning strategies to grow account value.
When to Go E&S: Making the Most of Atlantic Casualty: Not every risk fits the standard market. Learn when Atlantic Casualty makes sense, what their appetite looks like, and how to use them strategically to keep business in-house.
Where We Compete Best: Commercial Lines Appetite Update: What types of business are we aggressively targeting? Get clarity on profitable segments and how to align your prospecting efforts for growth with A-O.
Who Do I Call? Navigating AO Resources with Confidence: Underwriting? Marketing? Billing? Claims? We’ll clarify who to contact, when to contact them, and how to get answers quickly.
Why Auto-Owners? The Values Behind Our Brand: What sets Auto-Owners apart? Explore the values, service mindset and brand philosophy behind the A-O experience - and learn how our simple human sense approach helps you confidently answer the question: "Why Auto-Owners?