Road leading to city with years 2019, 2020, and 2020

2021 Property & Casualty Market Outlook

Like many other sectors of the economy, the commercial insurance industry is experiencing changes to both its market cycles and its operating procedures. In particular, 2020 brought an acceleration of a hardening insurance marketplace—one that is less friendly to insurance buyers—which is now nearly two years old. Capacity has left the market, reinsurance has become more expensive, underwriting has gotten stricter and, most importantly, premiums are on the rise for nearly every line of insurance.

In the Crane Agency 2021 Q1 P&C Market Outlook, we discuss what is driving current trends and how to navigate them.  We also provide a more in-depth look at the year ahead, including detailed information about what to expect by line of coverage in the Crane Agency 2021 Property & Casualty Outlook.

In any economic climate, it is of the utmost importance to partner with an insurance broker who has the experience and resources to suggest ways to mitigate risk. Implementing effective long-term risk management strategies can help businesses become more desirable to insurance companies in a difficult market and sometimes even assist in negotiating better coverage terms and pricing. At Crane Agency, we understand our clients’ needs because our organization was built by business owners and families just like you. We can help you prepare for uncertainty by suggesting the types of insurance products and services to help support your commercial and personal needs.  For more information, please contact your Crane Agency Broker, or call us today.

Crane Agency Receives Top Workplaces Honor 3 Years in a Row

Crane Agency is proud to announce that we have been identified as one of St. Louis’ Top Workplaces for the 3rd year in a row.

How does a company make the Top Workplaces list? By inspiring employees.  “Top Workplaces put the employee at the center of things and focus on creating the right environment to unleash potential and inspire performance,” said Doug Claffey, CEO of Energage, the Post-Dispatch’s research partner for Top Workplaces. 

For this year, 222 organizations agreed to take the survey. Combined, they employ 94,356 people in the St. Louis area. Of those employees who received questionnaires, 46,194 responded, either on paper or online. For this year’s winners list, 150 St. Louis-area employers earned recognition as Top Workplaces based on the employee feedback.  The employee engagement survey of 24 questions gathers responses regarding issues relating to workplace culture:

Alignment – where the company is headed, its values, cooperation
Connection – employees feel appreciated, their work is meaningful
Effectiveness – doing things efficiently and well, sharing different viewpoints, encouraging new ideas
My Manager – cares about concerns, helps employees develop
Engagement – motivation, retention and recruiting
Leadership – confidence in company leaders
The Basics – pay, benefits, flexibility, training, expectations

Employees consistently rate issues of “connection” and “alignment” most important to them, while statements related to pay and benefits rate less important.  Employers are ranked among groups of similar size to most accurately compare results. Within those size groupings, companies are ranked, and those that score high enough are recognized as Top Workplaces. Crane Agency came in at number 25 out of 55 in the “midsized” category.  Midsized is defined as companies with 150 to 499 employees in the region.

For the complete article, please visit the STL Today website:  St. Louis Post Dispatch 2019 Top Workplaces Announcement

Welcome Chief Growth Officer Dave Linhardt to Crane Agency!

Dave Linhardt – Chief Growth Officer

Crane Agency’s strategic vision for the future is growth.  We are dedicated to supporting our existing Producers and expanding our geographical footprint throughout the Midwest.  With that, I am excited to announce Dave Linhardt has been appointed as Crane’s new Chief Growth Officer.  Dave will be responsible for seeking new growth opportunities by identifying reputable insurance agencies to join Crane, recruiting brokers who fit our entrepreneurial model and seeking other growth opportunities that will continue to increase our brand.  In addition, Dave will be responsible for mentoring our newest Producers and providing sales support that will leverage our production teams to be the best in the industry.  He will also help develop and support carrier relationships for our offices outside of St. Louis, as well as oversee Crane’s expansion into the Kansas City marketplace.

Dave brings more than 25 years of experience in the insurance industry to his current position.  Prior to joining Crane, he held the title of Regional Insurance President for Regions Insurance, an affiliate of Regions Bank.  During his time at Regions, Dave led insurance operations in Arkansas and Texas that included managing 7 offices totaling $30 Million in revenue.  Before joining Regions Insurance, Dave was Regional Vice President with Hartford and CNA.  He was also Regional Director at Travelers.  During his time with each carrier, Dave helped cultivate talented groups of sales and underwriting professionals with one goal in mind – achieving profitable growth in a positive and rewarding culture that promotes teamwork and accountability.

If you are an established Producer or Agency Owner interested in hearing more about joining Crane Agency, please reach out to Dave by email at or by phone at (636) 537-5011.  Also, be sure to look for our ad in the May-June edition of MO Agents Magazine.

Crane Agency – One of St. Louis’ Largest Employee Benefits Firms

Did you know for the last two years, Crane Agency has been named one of St. Louis’ Largest Employee Benefits Firms by the St. Louis Business Journal?  Crane is your single-source solution for benefits consulting and cost management. We maintain strong relationships with all national and regional medical insurance companies, as well as all the major life, dental, disability, and voluntary worksite underwriters.  More importantly, we are committed to efficiency, transparency, and service. We don’t just manage your benefits—we serve as your advocate in an uncertain world.

Crane Agency Joins RiskProNet International

Crane Agency is proud to announce that we have recently joined RiskProNet International.   This network of leading insurance brokers consists of 24 independently owned agencies from across the United States and Canada.  It’s purpose is to connect a global network of independent brokers to share knowledge and best practices with similar sized agencies in different regions throughout North America.  Levering relationships with more than 5,000 insurance professionals world wide, RiskProNet members are kept at the forefront of the most pressing issues facing businesses today.  We believe our clients, carriers and the entire Crane Agency family will benefit greatly from this strategic partnership.

For more information, see our press release on or visit the RiskProNet website.