The 15,000-Agent Moat — Independent Distribution as Strategy

Unlike State Farm or Allstate (captive agents) or GEICO and Progressive (direct-to-consumer), Travelers sells almost exclusively through more than 15,000 independent agents and brokers. This module explains why that distribution model is a strategic choice, what it means for any sales, underwriting, or relationship-management role, and how to talk about agents intelligently in an interview.