On one side, there is Community Broker Network (CBN) doubling down on equity investment in its ARs through an expanded partner model, pitched as a way to “back brokers to achieve their business ambitions” with capital, capability and shared expertise. On the other, insurers are rapidly upgrading how they service the AR segment, with Zurich‘s recently launched AR-only underwriting and distribution team the latest and clearest signal that ARs are now treated as a strategic channel rather than a broker sub-category.