Market access is how a newly licensed Florida agent writes business while carriers still say no. You quote and sell; the policy is placed through established appointments; you keep the client, the renewal and a commission split that starts at 65% and grows to 75%. No production minimums, no exit fee on your book, no per-user software bill.
A carrier appointment is a contract between an insurer and an agency. Without one, no policy can be written in your name. Market access lets you place business through an agency that already holds those appointments — you own the client relationship and the renewal, the appointed agency handles the carrier side of the transaction.
Homeowners with the Florida domestic carriers and the takeout companies, Citizens where nothing else fits, surplus lines for older roofs and coastal exposure, flood on both NFIP and private, auto with the national and Florida-specific carriers, plus commercial GL, BOP, commercial auto and workers' comp. Over 50 carriers quotable from one screen.
You enter the risk in the CRM and get comparative quotes. When the client picks, the request goes to the desk, which finalizes the rate with the carrier and binds — typically a two-hour turnaround during business hours. The policy, the documents and the renewal date land back on the client record automatically.
Clusters and aggregators generally require a signup fee, monthly dues, production commitments, and — the part people miss — often claim an interest in your book or charge an exit fee to take it with you. Market access here is a flat monthly platform fee plus a commission split, with no fee to join and no claim on your clients.
$99 a month for a solo agent, $149 for a producer or $199 for an agency, flat, including the full CRM: clients, policies, renewals, ACORD forms, certificates, proposals, commission tracking and quoting. Commercial lines quoting through the CL desk is included on the $199 plan.
An arrangement that lets a licensed agent quote and place business through an appointed agency's carrier contracts. The agent owns the client and receives a commission split on every policy placed.
The split starts at 65% to the agent and grows to 75% as production builds. There is no signup fee and no monthly minimum beyond the platform subscription.
Yes. Your clients and your renewals are yours. There is no exit fee and no claim on the book, which is the main practical difference from most Florida clusters.
Over 50, covering homeowners with Florida domestics and takeout carriers, Citizens where required, surplus lines, NFIP and private flood, personal auto, and commercial GL, BOP, commercial auto and workers' comp.
The desk finalizes the rate and binds with roughly a two-hour turnaround during business hours, and the bound policy and documents flow back onto the client record automatically.
Yes, active E&O coverage is required before you can place business, and expiration is tracked automatically at 60, 30 and 7 days so access is never suspended by surprise.
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