Insurance panel

Definition

A carrier's approved-shop network that routes glass claims and sets the rates.

Why It Matters

Panel standing decides whose phone rings when a carrier's claim routes, and it is the volume engine a buyer cannot rebuild quickly. Rates and steering vary by carrier and state, and M&A guidance for the trade treats each active panel as a measurable add to the multiple, with single-carrier concentration the matching discount. List the panels, the claim volume by carrier, and what actually transfers at closing before pricing the book.