Cross Sell Bundles Opportunity to formalize cross-sell campaigns across Horihan’s existing personal and commercial lines. With offerings spanning home, auto, farm, business, life, and health, there is potential to increase wallet share by bundling multi-line policies, offering targeted add-ons during key life events, and using a customer lifecycle approach to identify upsell moments for farm and small-business clients. Leverage regional carrier partnerships to present competitive bundles to Minnesota, Wisconsin, and Iowa clients.

Farm Market Focus Horihan lists farm coverage as a specialty and serves rural communities in MN/WI/IA. This creates a scalable vertical opportunity to target farmers and agribusiness through tailored farm risk packages, equipment and liability coverage, and bundled auto/home insurances for farm households. Build relationships with local agricultural associations, lenders, and co-ops to generate referrals and co-marketed campaigns.

Medicare Growth The health and Medicare solutions offering positions Horihan to pursue the aging population in its footprint. Target near-retirees and seniors with Medicare plan education, cross-sell life and supplemental coverage, and partner with local clinics or retirement communities to host educational seminars that drive quotes and policy conversions.

Community Partnerships Horihan emphasizes community involvement and local events. Use this as a sales engine by establishing a formal referral program with small businesses, chambers of commerce, and community organizations; offer group or business owner policies and sponsor events to build awareness, generating warm leads and building a reputation as the local advocate.

Digital Enablement The tech stack and emphasis on carrier partnerships indicate an opportunity to optimize digital quoting, policy servicing, and lead management. Propose a modernization plan for an online quoting portal, CRM integration, and marketing automation to accelerate quotes, improve conversion rates, and better track cross-sell opportunities across MN/WI/IA.