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xagent provides a 50 state submission platform for you to expedite service for your commercial clients. By becoming a part of the xagent community, you are prepared to meet the changing needs of your insureds. A March 2016 report by McKinsey & Company entitled Small commercial insurance: A bright spot in the US property-casualty market concludes: Shifting behavior of Small Business Owners towards online purchasing over the next 5 years means Agency carriers will have to innovate and agents must develop marketing and online customer-facing capabilities. xagent was built to help you do much more than simply survive the industry trend towards online sales and disintermediation. It is your opportunity to lead the digital revolution by giving consumers the best of both worlds—an online experience backed by local expertise from you, their independent agent!