Commercial Insurance Markets for Virginia Agents

 

Smart Choice Agents Program for Virginia Agents

Access to Commercial & Personal LInes  Insurance Markets

UPDATED November 2015

Smart Choice Commercial Insurance Markets for Nationwide Insurance Agents | Call Roger Gill (804) 731-3050BREAKING NEWS:  Smart Choice, an alliance of over 4000 agents, provides Independent and Captive Agents with a Leter of Authority with access to diverse, competitive commercial markets with no fees and 100% agency ownership of book.

The Smart Choice Commercial Agreement Is Now Available:  Call Roger Gill (804) 731-3050 to get your copy today.

The following is an overview that will provide some insight as to why I believe this program is the best opportunity for Virginia Independent and Captivie Agents with a Letter of Authority (Nationwide Agents) to expand their commercial markets with top rated, diverse carriers, receive higher commissions and bonuses, and have unequaled support services.

Highlights of the Smart Choice Agents Program for Virginia Agents:

(1)  Access to Top-Rated, Competitive Commercial Carriers

(2)  No Startup or On Going Fees

(3)  Own 100% of Your Book of Business

(4)  Perpetuate Your Agency the Way You Would Like–Smart Choice Has No Equity Position.

(5)  No Restrictions on adding Non Smart Choice Carrier Appointments

(6)  Direct Access to Carrier Support and Underwriting–Same as with Nationwide

(7)  Quick Quote and Write Service via our Smart Start Commercial Program (See Details Below)

(8)  Bonuses—Special and Contingency

(9)  No or Low Minimum Annual DWP Commitments (Depending on Program)

(10)  Many Money Saving Benefits and Support Services to Assist You in Writing Commercial Business.

In summary, you get access to top rated, insurance carriers without a large upfront fee or ongoing perpetual fees.  Smart Choice shares a commission split up to a cap each year; after the cap is reached, the agent receives 100% of commissions over the cap.

If and when you decided to sale or give away your agency—no problem, you can.  Smart Choice does not own an equity position in your agency—you own 100% of the agency and book.  Smart Choice does not limit your ability to add direct appointments with other non Smart Choice carriers.  We simply provide access to markets and support.

DOWNLOAD THE 2015 SMART CHOICE COMMERCIAL MARKET ADVANTAGE REPORT

**************************************************************************************

Smart Choice Insurance Agent Program

Access to Commercial Insurance Markets for Virginia Agents

Smart Choice Virginia Carrier Partners:  Below are our current Virginia Insurance Carrier Partners that provide a broad segment of diverse commercial markets.  The Express and Smart Start Commercial Lines carriers do not require a direct appointment and do not require any DWP commitment.

Direct appointments with our commercial carriers generally only require minimum commitments of one to two policies per month average or about $50,000 in new DWP annually.

Virginia  Company Partners

Atlas   (EXPRESS Commercial Lines Class A Contractors up to 100% Subs, Artisans, and more..)

BTIS  (EXPRESS Commercial Lines GL and WC mainly for Artisan Contractors–Startups and Lapses welcomed!)

Burns & Wilcox Brokerage  (EXPRESS  Broad Risk Brokerage–pays agents directly)

CNA  (Commercial Lines – Smart Start Commercial and Direct)

Donegal  (Commercial Lines Direct)

Five Star (EXPRESS Commercial Lines — Transportation — Trucking, Limos, & Taxis, and more)

Liberty Mutual  (Commercial Lines Smart Start Commercial and Direct)

Main Street   (Commercial Lines Direct)

NetComp   (EXPRESS   Stand Alone Workers Comp–Startups and Lapses Welcomed!)

TAPCO Brokerage   (EXPRESS    Broad Risk Brokerage–pays agents directly)

The Hartford   (Commercial Lines – Smart Start Commercial and Direct)

Travelers  (Commercial Lines – Smart Start Commercial and Direct)

Starr DoveTail   (EXPRESS    Commercial Lines BOPs – Smart Start Commercial and Direct – Startups and Lapses Welcomed!   )

MetLife Small Business (EXPRESS    Commercial Lines BOP available via Dovetail)

USLI  (EXPRESS   Commercial Lines–Available via Tapco Direct)

 

Download The 2015 Smart Choice Commercial Market Advantage Report

 

********************************************************************************

ACCESS TO Personal INSURANCE MARKETS FOR VIRGINIA AGENTS

Smart Choice Virginia Carrier Partners:  Below are our current Virginia Personal Lines Insurance Carrier Partners that provide a broad segment of diverse,  markets.

Virginia  Company Partners

ALFA Vision & Select (Personal Lines)

Allstate (mainly for rural areas)

ArrowHead   (Personal Lines Mono Homewoners– pays agents directly)

Augusta Mutual  (Personal Lines Homeowners)

Dairyland (Motorcycle and Non Standard Auto)

Donegal (Peronal & Commercial Lines)

Foremost   (Personal Lines)

Grange  (Peronal & Commercial Lines and Life)

Kemper   (Personal Lines)

Lincoln Financial  (Life and Annuities)

Main Street   (Personal & Commercial Lines)

Mercury  (Personal Lines and Business Auto)

MetLife  Auto & Home  (Personal Lines and Flood)

Omni  (Personal Lines)

Quick Life Program  (Life Insurance–Quick & Easy Quote engine for multiple carriers–Professional Team will do it all for you!)

TAPCO Brokerage   (Broad Risk Brokerage–pays agents directly)

Travelers  (Peronal & Commercial Lines- Smart Start Commercial)

Safeco    (Personal Lines)

MetLife Auto & Home (Personal Lines)

Stillwater  (Personal Lines)

 

********************************************************************************

NEWS & Information

NEW Monthly Smart Choice Update: I will be providing agents with a NEW Monthly update. Our Virginia Agents program and benefits are growing so fast that this monthly communication is needed to keep you informed and up to date.  You will have access to our Carrier Information Spreadsheet that is continuously updated.   Insurance Marketing News and Information will be included also.

NEW Markets Added Recently: Many top-rated carriers and a few large brokerage firms have been added to our diverse portfolio of markets.  Recently added for General and Artisan Contractors is Atlas.  They provide competitive standard commercial markets coverages for large and small contractor risks–including General “Paper” Contractors with sub-outs to 100%..   You now have the ability to provide competitive coverages for most any risk–including startups and lapses in coverage.

We are currently working on Transportation Markets.  More on this front soon.

Smart Start Commercial Program:  For those smaller risks that you may not have time for, fill out the three minute quote request form on the Smart Choice website, and a specialist with a Carrier we will quote and write the business for you — as your commercial sales and service back office.  A specialist from one of these companies will be working for your agency:  Travelers, The Hartford, Liberty Mutual, CNA, DoveTail which includes MetLife Small Business.

Agents face the daunting task of learning every carrier’s different coverage forms, terminology, different marketing techniques and obtaining competitive carrier appointments.

But with our Smart Start Commercial Program, agents simply use our easy-to-navigate carrier preference guide to determine the proper underwriting market, fill out and submit a prospect opportunity form to Smart Choice®, and we process and submit the form to our carriers’ in-house sales centers. We do the work for you!

NEW Smart Choice Carrier Spreadsheet: (Coming Soon)  To provide a quick overview and a detailed review of the many carriers that Smart Choice has provided for Virginia agents, I am creating a Master Virginia Carrier spreadsheet with many features and components—Market Segmentation, Underwriting Guidelines, Coastal Guidelines, etc…..to keep you informed.  This Tool is intended to provide you with a quick determination of carrier markets and the information to move quickly toward meeting the needs of your clients.

 

********************************************************************************

Smart Choice Programs and Benefits

The following links will provide additional information about the Smart Choice Agents programs and benefits.  You can visit the website directly at:  www.smartchoiceagents.com

NOTE:  The Vendor Services and Products are discounted for Smart Choice Agents!  Go to the links below for Details.

Smart Start Commercial Program  http://www.smartchoiceagents.com/new-agents/

CE Authority   http://www.smartchoiceagents.com/foragents/ancillary-products/ceauthority/   Online CE only $29.

Smart Choice Historical Time Line–Company History and Current Information  Please check out this Company info in our Smart Choice Magazine

 

********************************************************************************

 

Call Roger Gill (804-731-3050), Virginia Smart Choice Territory Manager for more information.

Click the following link to download this document: Smart Choice Program for Virginia Agents

 

Virginia Insurance Agent Program

Virginia Insurance Agent Program Update

Access to Markets and More

Updated June 2016

 

Virginia Insurance Agent Program | Call Roger Gill (804) 638-9024

 

Roger Gill, Virginia Smart Choice Territory Manager

Virginia Independent Insurance Agent Update on the Smart Choice Agents Program (804) 638-9024

 

Over the past two years,  the Smart Choice Team  has been working hard to make their Virginia Insurance Agent Program even better.   The following is an overview that will provide some insight as to why I believe this program is the best opportunity for Virginia Independent and Captive Agents with a Letter of Authority (Nationwide Agents) to expand their markets with top rated, diverse carriers, receive higher commissions and bonuses, and have unequaled support services.

  1. NEW Monthly Smart Choice Update: I will be providing you with a NEW Monthly update beginning now–Our Virginia program and benefits are growing so fast that this monthly communication is needed to keep you informed and up to date.  You will have access to our Carrier Information Spreadsheet that is continuously updated.  See #7 below.   Insurance Marketing News and Information will be included also.
  1. NEW Markets Added Recently: Many top-rated carriers and a few large brokerage firms have been added to our diverse portfolio of markets.   You now have the ability to provide coverages for most any risk.
  1. NEW: Smart Choice Express Market Program — One Page App for Appointment to Carriers who pay direct to agents–no commission split with Smart Choice–Tapco, Starr/Dovetail, NetComp, BTIS, Atlas, Five Star, Arrowhead, Burns and Willcox, and The Willis Programs.
  1. New Territory Managers Assignments: Smart Choice Agents have been assigned a designated Territory Manager to help support their agency.
  1. Smart Start Programs in commercial and personal lines makes it easy for experienced and star-up agencies to grow their book of business. These programs have been expanded and improved.
  1. NEW Quick Life Program makes providing  Life Insurance to your clients easy;  you do as much of the process as you like or let the professional team at Quick Life do it all for you–just provide the contact info.  Quick and Easy Quoting engine for 50 plus carriers.  Call Roger Gill (804) 638-9024 for details and appointment.
  1. NEW Smart Choice Carrier Spreadsheet: (Available Now)  To provide a quick overview and a detailed review of the many carriers that Smart Choice has provided for Virginia agents, I am creating a Master Virginia Carrier spreadsheet with many features and components—Market Segmentation, Underwriting Guidelines, Coastal Guidelines, etc….. and that will keep you informed.  This Tool is intended to provide you with a quick determination of carrier markets and the information to move quickly toward meeting the needs of your clients.

Download This Article: SmartChoice_Agent_Program_News

Major Reasons to recommend our Smart Choice Agents Program in Virginia:  I chose the Smart Choice Agents program over the other alliance and aggregate opportunities for the following main reasons:

(1)  Access to Top-Rated, Competitive CarriersVirginia Smart Choice Agents Program | Call Roger Gill (804) 638-9024

(2)  No Startup or On Going Fees

(3)  Own 100% of Your Book of Business

(4)  Perpetuate  Your Agency the Way You Would Like

(5)  Bonuses

(6)  Many Money Saving Benefits and Support

In summary, the Virginia Insurance Agent Program provides you with access to top rated, insurance carriers without a large upfront fee or ongoing perpetual fees.  Smart Choice shares a commission split up to a cap each year; after the cap is reached, the agent receives 100% of commissions over the cap.  (Details about commissions are explained in the Smart Choice Agents Agreement (request one from Roger Gill).

If and when you decided to sale or give away your agency—no problem, you can.  Smart Choice does not own an equity position in your agency—you own 100% of the agency and book.

The Smart Choice Virginia Insurance Agent Program

Access to Commercial Lines Insurance Carriers for Virginia Agents

Smart Choice Virginia Carrier Partners:  Below are our current Virginia Insurance Carrier Partners that provide a broad segment of diverse commercial markets.  The Express and Smart Start Commercial Lines carriers do not require a direct appointment and do not require any DWP commitment.

Direct appointments with our commercial carriers generally only require minimum commitments of one to two policies per month average or about $50,000 in new DWP annually.

Virginia Insurance Agent Program Commercial Company Partners

All Risks  (EXPRESS    COMING Soon —  Broad Risk Brokerage–pays agents directly)

Atlas   (EXPRESS Commercial Lines Class A Contractors up to 100% Subs, Artisans, and more..pays agents directly)

Berkshire Hathaway Guard    (Commercial Lines Direct)

BTIS  (EXPRESS Commercial Lines GL and WC mainly for Artisan Contractors–Startups and Lapses welcomed!  Pays agents directly)

Burns & Wilcox Brokerage  (EXPRESS  Broad Risk Brokerage–pays agents directly)

CNA  (Commercial Lines – Smart Start Commercial and Direct)

Donegal  (Commercial Lines Direct)

Five Star (EXPRESS Commercial Lines — Transportation — Trucking, Limos, & Taxis, and more…  pays agents directly)

Liberty Mutual  (Commercial Lines Smart Start Commercial and Direct)

Main Street   (Commercial Lines Direct)

NetComp   (Stand Alone Workers Comp–Startups and Lapses Welcomed!)

TAPCO Brokerage   (EXPRESS    Broad Risk Brokerage–pays agents directly)

The Hartford   (Commercial Lines – Smart Start Commercial and Direct)

Travelers  (Commercial Lines – Smart Start Commercial and Direct)

Starr DoveTail   (Commercial Lines BOPs – Smart Start Commercial and Direct – Startups and Lapses Welcomed!)

MetLife Small Business  (EXPRESS  Commercial Lines BOP available via Dovetail)

USLI  (EXPRESS   Commercial Lines–Available via Tapco Direct)

Willis Programs  (EXPRESS  Commercial Lines Programs; i.e., PizzaGuard Package–Everything for Pizza Shop and Delivery)

 

 

Download The Smart Choice Commercial Market Advantage Report

 

********************************************************************************

ACCESS TO Personal LINES INSURANCE CARRIERS FOR VIRGINIA AGENTS

Below are the current Smart Choice  Virginia Personal Lines Insurance Carrier Partners that provide a broad segment of diverse, markets with limited commitments.

VIRGINIA INSURANCE AGENT PROGRAM PERSONAL LINES INSURANCE CARRIERS

ALFA Vision & Select (Personal Lines)

Allied (Nationwide)  (Personal Lines)

Allstate (mainly for rural areas)

ArrowHead   (Personal Lines Mono Homewoners– pays agents directly)

Augusta Mutual  (Personal Lines Homeowners)

Dairyland (Motorcycle and Non Standard Auto)

Donegal (Peronal & Commercial Lines)

Foremost   (Personal Lines)

Grange  (Peronal & Commercial Lines and Life)

Kemper   (Personal Lines)

Lincoln Financial  (Life and Annuities)

Main Street   (Personal & Commercial Lines)

Mercury  (Personal Lines and Business Auto)

MetLife  Auto & Home  (Personal Lines and Flood)

Omni  (Personal Lines)

Quick Life Program  (Life Insurance–Quick & Easy Quote engine for multiple carriers–Professional Team will do it all for you!)

TAPCO Brokerage   (Broad Risk Brokerage–pays agents directly)

Travelers  (Peronal & Commercial Lines- Smart Start Commercial)

Safeco    (Personal Lines)

State Auto   (Personal Lines)

MetLife Auto & Home (Personal Lines)

Stillwater  (Personal Lines)

 

****************************************************************************************************

Smart Choice Programs and Benefits 

The following links will provide additional information about many of the Smart Choice programs and benefits.  You can visit the website directly at:  www.smartchoiceagents.com   Please review the Smart Start Personal Lines and the Smart Start Commercial Lines Programs, as these were designed to provide start-up agencies with the markets, support, and processes they need to be successful.

Smart Start Personal Program  http://www.smartchoiceagents.com/new-agents/personal-lines/

Smart Start Commercial Program  http://www.smartchoiceagents.com/new-agents/

Smart Choice Life  http://www.smartchoiceagents.com/foragents/life-and-health/

Smart Choice Express Markets  http://www.smartchoiceagents.com/foragents/express-markets/

Smart Choice Group E&O   http://www.smartchoiceagents.com/foragents/ancillary-products/smart-choice-group-eo/

EzLynx Rater  http://www.smartchoiceagents.com/foragents/ancillary-products/ezlynx/

QQ Solutions Management System   http://www.smartchoiceagents.com/foragents/ancillary-products/qq-solutions/

SEMCAT   http://www.smartchoiceagents.com/foragents/ancillary-products/semcat/

Website Builder   http://www.smartchoiceagents.com/foragents/ancillary-products/smart-choice-website-builder/

CE Authority   http://www.smartchoiceagents.com/foragents/ancillary-products/ceauthority/

Smart Choice Historical Time Line–Company History and Current Information  Please check out this Company info in our Smart Choice Magazine

______________________________________________________________________________________

 

 

Smart Start Personal Program

Virginia Insurance Agent Program | Call Roger Gill (804) 638-9024

 __________________________________________________________________________________________

Smart Start Commercial Program 

Virginia Insurance Agent Program | Call Roger Gill (804) 638-9024

 __________________________________________________________________________________________

Download This Article: SmartChoice_Agent_Program_News

 

Again,  please let me know if you have any questions.  I look forward to working with you.

 

Roger L. Gill
___________________________

President
The Insurance Advisor, LLC

Virginia Territory Manager
Smart Choice

7633 Hull Street Rd, Ste 100
North Chesterfield, VA  23235

P: 804-308-9424
C: 804-731-3050
F: 804-638-9900
roger@tia-llc.com
www.the-insurance-advisor.net
www.facebook.com/TheInsuranceAdvisorLLC

Virginia Insurance and Financial Services Information and Education

Thank You for Visiting Our Virginia Insurance News & Education Blog

The Insurance Advisor is a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  You get the best value for the insurance you need.  In addition to personal and business insurance, we also represent many Financial Services and Health Insurance companies.

 

Virginia Insurance News, Information & Educational Resources

This blog and our site is dedicated to providing useful Insurance and Financial Services information and resources.   Below  is a summary of our resources:

  • Blog Post are segmented by Categories which are links found on the right sidebar.
  • Relevant Insurance and Financial Services Authority Sites are also links on the right sidebar.
  • Relevant Feeds of Summary Articles from Authority Sites are on the right sidebar.T
  • Authority Links are often found on individual Posts as referenced documentation.
  • Quotes–get a free, no obligation risk assessment and  quote—Call or eMail a request.
  • Client Services–From Claims to Policy Changes–click Client Services tab on the top Nav Bar.

Thank you again for visiting our Blog.  Please let me know if you have any suggestions with a comment.  Enjoy!

 Press Release: The Insurance Advisor is the 2013, 2014, and 2015 Best of Richmond Award recipient for the Insurance Company category.

The Insurance Advisor | Recipient of the Best-of-Richmond-2013-Award-Winner for Insurance Agencies | (804) 638-9024Best of Richmond Insurance Company 2014 award recipient The Insurance Advisor is Awarded "Best of Richmond" for the Insurance Category.

 

 

 

 

 

 

 

The Insurance Advisor, LLC is the “2015 Best of Richmond Award” recipient for the Virginia Insurance Company category. This makes the third year in a row we have received this award (2013, 2014, & 2015)!  Thanks to our clients, carriers, service providers, Smart Choice, and associates!!

The Richmond Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

Each year, the Richmond Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the area a great place to live, work and play.

 

Why Choose The Insurance Advisor?

For our clients’ convenience, our Agents are available in and out of the office and during non office hours.  Yes,  we give our clients our cell phone numbers. We also answer our office phone–no multi-layered prompts.  We are dedicated to providing the most exceptional and timely customer service in the industry.

A few Virignia Insurance Companies we represent include:  AIC,  Allied,  Anthem,  Arrowhead,  Atlas, ASI, Augusta Mutual,  Blue Cross Blue Shield,  BTIS, CNA,  Dairyland,  Donegal,  Dovetail, Encompass,  Foremost,  Grange,  Hagerty,  Humana;  Kemper,  Main Street,  Lincoln Financial,  Liberty Mutural, Mercury,  MetLife Auto & Home,  Mutual of Omaha, NetComp,  Safeco,  Starr DoveTail, Tapco,  The Hartford,  Titan,  Trans America, Travelers,  and many more.

Access Risks    Shop Companies    Save Money

“We Do The Shopping For You”

Virginia Insurance Compaines Represented by The Insurance Advisor | North Chesterfield VA (804) 638-9024

 

Insurance For Your Business

Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the coverages and services for your business.

Insurance For Your Personal Life

Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.

The Best Virginia Insurance Value and Customer Service

We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia insurance and financial services you need.

Call, request a quote by email, or visit us at one of our offices today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Virginia Insurance you need.