CARRIER ACCESS

Look beyond the carrier logos.

Understand how an agency gets access, who holds the relationship, and what that means for your business.

Why can appointments be difficult for a new agency?

Carriers evaluate fit, experience, production potential, and the ability to service business. A new agency may have limited operating history to demonstrate those qualities. The right starting point is a clear plan for the customers you want to serve.

Read the carrier-access guide

UNDERSTAND YOUR OPTIONS

Different paths. Different responsibilities.

Direct appointments

Ask about your own carrier relationship, qualifications, production expectations, and service responsibilities.

Networks, clusters & franchises

Explore market relationships alongside training, support, costs, ownership, and the terms of departure.

Wholesalers & placement facilities

Understand who submits business, communicates with underwriting, services accounts, and receives commissions.

Ask every potential partner

Whose carrier code and appointment will I use?
Can I quote and bind, or submit through someone else?
Who services the client and receives commissions?
What are the new and renewal economics?
What happens to records and relationships if I leave?

Choose the model that fits you.

Compare the actual services and written terms, rather than relying on labels such as “network” or “aggregator.”

Explore organization models Find carrier-access providers