Market displacement intelligence · Texas P&C
IRMA monitors Texas P&C appointment data daily to identify the exact moment agencies lose market access. When carrier appetites shift and agencies lose access, the premium remains — we identify the resulting market openings before the competition knows they exist. The output is a weekly action queue of agencies in transition, not a stale lead list.
20
multi-carrier loss
38
active carrier shifts
70
premium watchlist
904
agencies losing carriers
20/20 verified · 20/20 contact present · 18 strong / 2 adequate · 97% with premium context · Rolling 60-day window · Data as of 2026-05-12
20 agencies have lost appointments across multiple carrier families — verified, enriched, ready to call. 38 have active carrier movement building toward the threshold. 70 are on the premium watchlist with carrier-level context attached. 904 total agencies with carrier appointment losses— tracked daily in a rolling 60-day window. 275 lost five or more carriers.
These aren't leads aging on a list. They're agencies that just lost market access — with premium that needs a new home.
Redacted workspace specimen
Verified Texas agency
HOUSTON, TX
30 P&C carrier appointments removed in the verified diff window.
11 carrier families — detail in subscriber view
Premium detail available in subscriber view.
In the subscriber workspace:
Agency name, EIN, Phone number, Carrier family breakdown, Premium detail, Evidence lead card, Recommended next step
Current displacement events
Every row below represents a Texas agency that lost carrier appointments across multiple families within the last 60 days. These are not cold calls — they are market-access conversations waiting to happen.
Verified Texas agency
HOUSTON, TX
30 P&C carrier appointments removed in the verified diff window.
11 carrier families — detail in subscriber view
Premium detail available in subscriber view.
In the subscriber workspace:
Agency name, EIN, Phone number, Carrier family breakdown, Premium detail, Evidence lead card, Recommended next step
Verified Texas agency
SAN ANTONIO, TX
28 P&C carrier appointments removed in the verified diff window.
5 carrier families — detail in subscriber view
Premium detail available in subscriber view.
In the subscriber workspace:
Agency name, EIN, Phone number, Carrier family breakdown, Premium detail, Evidence lead card, Recommended next step
Verified Texas agency
MISSION, TX
21 P&C carrier appointments removed in the verified diff window.
14 carrier families — detail in subscriber view
Premium detail available in subscriber view.
In the subscriber workspace:
Agency name, EIN, Phone number, Carrier family breakdown, Premium detail, Evidence lead card, Recommended next step
These are 3 of 20 agencies currently action-ready. Beyond the action queue: 38 agencies with active disruption signals and 70 on the monitored watchlist with carrier premium context.
Beyond the action queue, IRMA is tracking 904 agencies and 1,169carrier displacement events in the current 60-day window — 97% with carrier premium context attached. The action queue is the highest-conviction tier. The subscriber workspace includes the full list with agency names, direct phone numbers, carrier-family breakdowns, premium estimates, evidence lead cards, and recommended next steps.
How IRMA works
Texas files four appointment datasets to a public portal every business day. IRMA pulls all four each morning: agency appointments, individual producers, business entities, and the registry.
Each download is compared to the prior snapshot. New appointments, removed appointments, and changed relationships are extracted as discrete events. Nothing is inferred; the diff is deterministic.
Every event is cross-referenced against carrier premium filings, Comptroller franchise-tax status, TDI complaint and disciplinary history, and verified contact sources. Context is attached, not assumed.
A rule-based engine scores and ranks events by movement volume, carrier concentration, premium context, and regulatory signal. If nothing clears the threshold on a given day, the system says so. Quiet days are logged, not backfilled.
What you get
Everything behind the redactions above — agency identity, carrier detail, premium context, and recommended action — plus the full monitoring scope and weekly intelligence brief.
Ranked agencies with verified multi-carrier appointment loss, scored by movement volume, proof quality, premium context, and regulatory signal. Updated weekly.
Per-agency lead cards with carrier-family breakdown, movement timeline, carrier premium estimate where available, complaint and disciplinary history, and contact information.
The action queue is the top tier. Below it, hundreds of agencies with single-carrier or early-stage displacement are tracked with carrier premium context. The Watchlist gives you visibility into these shifts before they escalate.
Narrative intelligence brief covering the week's highest-conviction signals, carrier strategy patterns, and market context. Written for operators, not analysts.
When the data doesn't clear the quality bar, the system says so. No backfill, no filler, no noise.
Full proof-of-work on two published reference days - one busy, one quiet - so you can evaluate signal quality before subscribing.
See it working
Two published reference days. One busy, one quiet. Real data, real formatting, real quiet-day behavior.
Curated demo
A curated walkthrough of the intelligence workspace: action queue, lead cards, and agency dossiers.
Busy day
A high-signal day with multiple qualifying agencies. This is what a good week looks like.
Quiet day
A low-signal day where nothing cleared the quality bar. This is what restraint looks like.
The quiet day matters. Any system can find something to show you every day. IRMA tells you when there's nothing worth your time.
Methods and safety
Every agency on the action queue traces back to a specific TDI appointment snapshot pair. We record the snapshot dates, the exact rows that changed, and the diff that produced the event. If the source record is ambiguous or the snapshot pairing is unclear, the event is suppressed.
Each event carries a proof-quality grade assigned by the backend evidence chain: strong or adequate. The action queue only includes events at adequate or above.
Current action queue proof mix: 18 strong / 2 adequate.
Where available, IRMA attaches carrier-level premium estimates derived from TDI Page 14 filings. These are allocated estimates, not confirmed book values. Public-facing premium descriptions use qualitative language — never dollar figures.
County-level and market-level context is shown as regional context only. IRMA does not attribute county or market facts to specific agencies. Regional context appears only when the source data supports it and the attribution is explicit.
Pricing
$3,000 / month
Weekly action queue. Agency dossiers with contact and carrier detail. Premium context where available. Narrative weekly brief. Quiet-day restraint. Texas P&C coverage.
Evaluate IRMA against one question: would identifying one agency with significant newly displaced premium justify the workspace for the year?
Displacement signals have a shelf life. The action queue refreshes weekly.
Join the waitlistWaitlist open to Texas wholesale and distribution teams (workspace available today). Carrier distribution and MGA inquiries also welcome.
Real appointment movement. Verified daily. Curated weekly.
Built on public filings from the Texas Department of Insurance and the Texas Comptroller. Subscriber workspace and public demos link to source records where available.