// BRIEFS

TEASER PREVIEWS

Texas Distribution Intelligence Briefs

The pages below are teaser previews — executive headlines and top-line market pulse only. Full briefs, with named agency reads, carrier narratives, and case studies, are available to subscribers.

LAST UPDATED: MAY 10, 2026

TEASERMay 3 – May 10, 2026

10 MAY 2026

An Austin agency lost 84 carriers in one snapshot — and two county mutuals are moving in opposite directions.

01.An Austin agency lost 84 carriers across 43 unrelated families on Monday. That is total termination — every relationship severed in a single snapshot. If McKinley & DiMarco had an active book, it is now homeless.

02.Redpoint County Mutual ($1.1B TX DWP, +15% YoY) dropped 19 agencies in one day while Old American County Mutual ($725M, +37% YoY) onboarded 9. Two fast-growing nonstandard-auto carriers moving in opposite directions midweek.

03.A 17-year Friendswood agency lost its entire Chubb suite — 14 entities — plus Berkshire Hathaway in one day. That is upper-market commercial and specialty volume going somewhere. Two other established agencies also went dark across Liberty Mutual and mixed P&C panels.

607P&C•~1387 AGENCIES•5 EVENTSVIEW BRIEF →

TEASERApril 26 – May 2, 2026

3 MAY 2026

The heaviest week in the dataset — and Redpoint is pruning while growing.

01.A Houston agency lost 30 P&C carriers across 11 unrelated families in a single day. The Movement Agency LLC went from appointed to dark. If there is a book behind this, it is unplaced right now.

02.Redpoint County Mutual ($1.1B TX DWP, +15% YoY) pruned 23 agencies on April 30. Growing carrier, shrinking distribution footprint. Deliberate network tightening, not retreat.

03.Travelers dropped three separate Texas agencies in the same week — Bill Haddox in Robinson (27 years), Blue Eagle in Corpus Christi, and Texas Affordable near Houston. All single-family wipeouts. All established agencies. That is a pattern.

709P&C•~2587 AGENCIES•5 EVENTSVIEW BRIEF →

TEASERApril 19 – April 25, 2026

26 APR 2026

Two veteran agencies went dark in the same week — and Consumers County Mutual is reshuffling, not retreating.

01.Two established agencies — one 24-year, one 26-year — lost all carrier access this week, both carrying standard-market books. MPowell Enterprises (The Woodlands) dropped Liberty Mutual, Progressive, Nationwide, Farmers, and Zurich in a single window. Texas Valley Insurance Agencies (Mercedes) lost its entire Travelers relationship. If either has active production, the book is unplaced today.

02.Consumers County Mutual ($779M TX DWP) is reshuffling its agency network: losing 8, gaining 12, with producer-confirmed movement at Guardify Insurance Group. Net growing, not retreating.

03.Al Thurmond Agency in Houston lost 61 carriers across 35 unrelated families in one day. The widest single-agency contraction in weeks. The breadth is unmistakable — the carrier roster included standard-market AIG, Chubb, and Liberty Mutual alongside specialty Berkley and Tokio Marine paper.

605P&C•~1169 AGENCIES•6 EVENTSVIEW BRIEF →

TEASERApril 13 – April 19, 2026

19 APR 2026

The week the Farmers/Foremost bifurcation hit week two — and Kemper started looking like an exit.

01.Farmers / Foremost added 39 net Texas agency appointments this week with zero removes — identical to the April 6–12 net. Two consecutive weeks at +39 confirms a deliberate, multi-week distribution rebuild on Foremost specialty paper while Farmers Property and Casualty TX remains -30% YoY. Foremost County Mutual is now $559M TX DWP at +43.3% YoY; Foremost Insurance Co Grand Rapids is at $142M and +53.6%.

02.Four Travelers-anchored independents lost a combined ~74 P&C appointments in five business days — Highpoint (Friendswood, 17y, mid-market, 7 producers), Donna Frazier (Taylor, 15y), Steward Risk (San Antonio, 6y), Bradley (Plano, 12y) — in the same week Travelers itself net-added agencies on three separate snapshots. The carrier is reshuffling, not retreating; the four named shops are this week's cleanest book-replacement leads.

03.Kemper appears to be exiting Texas P&C, not pruning it. Unitrin Preferred / Unitrin Safeguard lost appointments at 11 agencies on April 17 (-76% YoY DWP at $4M), then three more on April 18 with the affected entity's 2025 TX DWP collapsing to roughly zero. Consistent with Kemper's publicly signaled 2024 runoff of preferred home and auto.

04.Homeowners of America (paired with Porch Insurance Reciprocal Exchange) added agencies on four straight snapshots — 11, 6, 12, 8 — for 37 new appointments in five days. Largest non-Foremost carrier-side build of the week. TX DWP $330M, stable YoY.

644P&C•~1185 AGENCIES•5 EVENTSVIEW BRIEF →

TEASERApril 6 – April 12, 2026

12 APR 2026

The week Farmers pruned its legacy auto book and quietly doubled its non-standard bench.

01.Farmers / Foremost added 47 Texas agency appointments against 8 removes this week (net +39) — while Farmers Property and Casualty TX continued a 30% YoY contraction. On the same parent’s shelf, Foremost County Mutual grew 43% YoY to $559M. One holding company, two directly opposing distribution strategies, visible in real time.

02.Thirteen Texas agencies lost 10+ P&C carrier appointments in a single snapshot this week. Five rated high-confidence distress. One 17-year Katy shop dropped 26 carriers across 22 families in a single day — the kind of pattern that almost always resolves as an acquisition or principal cascade.

03.Travelers ran a clean producer-confirmed shrinking-network redistribution on April 11: six losing agencies, three gaining, anchored by a 14-appointment single-day revocation at one Dallas shop. The pattern is geographically concentrated in DFW, not statewide.

04.Gateway Insurance Company onboarded 51 Texas agencies on April 8 against a 2024 TX direct written premium of $48,000 — down 99.8% YoY. Flagged as shell-paper / fronting-style noise, not real distribution capacity. If a producer waves a Gateway appointment at you, that is what it is.

3315P&C•~1666 AGENCIES•4 EVENTSVIEW BRIEF →

TEASERMarch 29 – April 5, 2026

5 APR 2026

01.Harding Conley in San Antonio swapped declining Zenith workers’ comp paper for a full AmTrust P&C suite (~$325M TX premium, mostly growing). Producer-confirmed. Highest-scoring event of the week.

02.Farmers/Foremost ran a 36-agency batch onboarding campaign while simultaneously terminating a long-tenured San Antonio agency. Network restructuring: expanding $187M in declining entities, cutting a $4.7B full-suite relationship.

03.Rust Ewing Watt & Haney in Texas City may be undergoing a generational transition. 8 of 13 producers contracting across 20–144 appointments each, while the agency added a full Utica National P&C suite.

04.State Auto (Liberty Mutual) legacy paper running off in East Texas. Negative premiums at Meridian Security, double-digit declines across the family. Confirmed at producer level.

1431P&C•~1484 AGENCIES•8 EVENTSVIEW BRIEF →

TEASERMarch 22–28, 2026

29 MAR 2026

01.Chubb/ACE appointed two more Texas agencies (DFW, Austin) with identical entity slates, bringing the 2-week total to four agencies across four metros — a sustained carrier distribution push now evident across the state.

02.The Hartford terminated full P&C suites at two DFW agencies (Pro-Source, JGS Advisors) in a single run, which may signal production-minimum enforcement in that corridor.

03.Pflugerville Insurance Agency (Austin metro) lost a second unrelated carrier family with zero adds — extending the pattern flagged in Week 1, though both lost relationships had very stale appointments.

5363P&C•~972 AGENCIES•3 EVENTSVIEW BRIEF →

TEASERMarch 16–22, 2026

22 MAR 2026

01.A San Antonio agency (Versatile Insurance Planners) appears to have dissolved, losing 43 carrier appointments. Nationwide may have pre-appointed a replacement agency (Elias Insurance Solutions) in the same metro two days prior.

02.Chubb/ACE appointed at least two Texas agencies (Houston and El Paso) with identical entity slates in a 48-hour window, pointing to a coordinated distribution expansion.

03.Homesite Insurance batch-terminated 18 agencies in a single run — the largest single-carrier P&C block action this week.

275P&C•~60 AGENCIES•3 EVENTSVIEW BRIEF →

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