Get Appointed in Florida Without Waiting Years for Carriers

How to get appointed with insurance companies as a new agent

There are only three realistic ways to get appointed with insurance companies when you have no production history: apply directly and wait twelve to twenty-four months, join a cluster or aggregator and accept their ownership and exit terms, or write through an established agency's carrier appointments while you build the production history carriers ask for. This page is the third route.

Carriers grant appointments based on production history, so newly licensed Florida agents holding a 2-20 or 4-40 licence are almost always declined. Market access solves that: you write home, auto, condo, renters, flood and small commercial business through Bell & Lyons' established carrier appointments, and you run the whole agency inside the ARLO CRM.

How it works

1. Apply with your Florida license number, E&O certificate and W-9. No production history, no book of business and no entry fee required.
2. We place you on our carrier appointments so you can quote the Florida markets that matter, including admitted and surplus lines.
3. You quote and prepare the proposal inside your own CRM; our bind desk finalizes the policy with the carrier, typically within about two hours.
4. You are paid a commission split starting at 65% and rising to 75% as you produce, and the client stays yours.

What is included

• Personal lines: home, auto, condo, renters, flood through NFIP and private markets
• Commercial lines through the commercial quote desk
• The full ARLO agency management CRM: clients, policies, renewals, commissions
• ACORD forms and certificates of insurance generated automatically
• Client-facing proposals under your own brand

Compared to a cluster or aggregator

No entry fee, no exit fee, no production minimum to start and no claim on your book of business. Market access is $99 a month for a solo agent, $149 for a producer and $199 for an agency, flat for the whole agency rather than per user, with the CRM included.

Market access plans and carriers · Market access in Florida · Starting an insurance agency in Florida · CRM pricing