The standards

Standard: claims advocacy

Staying engaged through the claim, and telling a client the truth when a loss is not covered — including what would have covered it.

Matthew Henry · Aug 2026

Standard: documented annual review

Offering every active client a coverage review each year and logging the offer whether or not it is accepted — the standard that catches what the others miss.

Tyler Woodall · Aug 2026

Standard: no state-minimum limits by default

Why a certified agency starts from a meaningful liability floor, what the standard actually requires, and what to do when a client cannot afford it.

Tyler Woodall · Aug 2026

Standard: replacement cost, not market value

Insuring dwellings to rebuild cost, explaining the difference to the client in writing, and why the underinsured home is the industry's quietest failure.

Tyler Woodall · Aug 2026

Standard: UM/UIM matched to liability

Offering uninsured and underinsured motorist coverage at limits matching liability, and why the mismatch is one of the most common gaps in personal auto.

Matthew Henry · Aug 2026

Standard: written declination letters

The single most protective document an agency can produce, why it is so rarely produced, and how to make it a by-product of the sale rather than extra work.

Matthew Henry · Aug 2026

The Client First practice standards

Eight practice standards and seven ethical ones. What each commits an agency to, and why they are written as procedures rather than intentions.

Matthew Henry · Aug 2026