Carriers are very hesitant to appoint new agencies and the volume requirements can often be prohibitive. We have the ability to offer direct sub-codes with much less volume needed to satisfy the relationship. Lower volumes allow your agency the ability to represent multiple companies.
Our members own their books of business whether sub-coded or run through our brokerage unit.
Sub-coded business will show your agency's name, business written through the brokerage unit will show First Choice Insurance as the agent of record, but contractually you own that business.
We pay you 70% of all excess compensation we negotiate on your behalf for sub-coded business based on your level of participation and loss ratio where applicable.