The use of multiple channels is probably the most common distribution strategy nowadays. On the other hand, it also triggers certain challenges. Unfortunately, prior studies have provided few insights for insurance decision makers related to hybrid-channel conflict, especially in terms of exploring the causes of multiple channel conflict in an insurance sector and investigating the frequency of causes of channel conflict. The purpose of this study is to identify the hybrid-channel conflict factors and to assess the frequency of the factors that cause hybrid-channel conflict. The methods used in this study are Delphi and analytic hierarchy process (AHP). According to the results of this study, the intrachannel conflict is more serious than interchannel conflict. Furthermore, "differences in perception of reality used in joint decision making", "using coercive powers", and "incompatibility of goals" are the three most important factors of overall causes. According to the finding, distribution managers can identify the causes of channel conflict and modify their distribution strategy to minimize channel conflict