Starting in 2021, an individual going by the name Brandon White began taking actions over the intellectual property rights associated with Cookie’s Bustle, including claiming copyright ownership and filing trademark registrations. In some cases, he has used his personal name. In others, the filings were made under the corporate name Graceware, SL. While there is no explicit connection between these two entities, takedowns sent on behalf of Graceware cite Brandon White as the copyright owner.
While bulls argue that large insurance brokers do not heavily participate in personal lines or small commercial markets, BofA counters that years of constant “tuck-in M&A” have created a “snowball effect.” Hundreds of small acquired shops have brought a significant amount of low-complexity, small-ticket business under the umbrellas of large brokers, a vulnerability that is often obscured by subpar public disclosures. Furthermore, even large-case, complex business—which is unlikely to face direct disintermediation—could experience pricing deflation as AI demystifies the insurance markets for sophisticated corporate buyers.
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