The technology of the carrier-agent interface is critical to both parties. For carriers it represents a very large investment and its effectiveness profoundly affects the volume of business agents write with them. For agents and brokers, it has an equally profound impact on productivity and work frustrations.

This report identifies the themes in agents’ responses and cites dozens of direct quotes from agents in response to four questions:
· What irritates or bugs you the most about the technology of the P/C carriers you represent?
· What do you like best about the technology that carriers provide for you?
· What are the two most important things P/C carriers should do to improve their technology?
· What are your suggestions for how P/C carriers can more effectively help you use their technology?

In addition, agents and brokers identified and ranked the importance of specific technology functionalities they want but are not currently provided by carriers. Finally, along with its detailed analysis of agents’ responses, the report includes recommendations for what carriers can do to formulate technology strategies as well as design and deploy technology solutions in a way that supports their eager acceptance and use by agents.