Commercial Insurance Markets for Virginia Agents


Smart Choice® Agents Program for Virginia Agents

Access to Commercial & Personal Lines Insurance Markets


Smart Choice Commercial Insurance Markets for Nationwide Insurance Agents | Call Roger Gill (804) 731-3050BREAKING NEWS:  Smart Choice®  is an alliance of over 5000 agents and provides Independent and Captive Agents (with a Letter 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 Captive 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.



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.  Express Carriers pay commissions directly to the agent with no split to Smart Choice®.

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..)

Bershire Hathaway Guard   (Commercial Lines Direct)

BTIS  k(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)

Hamilton  (EXPRESS    Commercial Lines available via Dovetail)

Liberty Mutual  (Commercial Lines Smart Start Commercial and Direct)

Main Street   (Commercial Lines Direct)

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

RMS   (EXPRESS   Commercial Lines–Hospitality Industry and More)

Starr DoveTail   (EXPRESS    Commercial Lines BOPs – Smart Start Commercial and Direct – 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)

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

USLI  (EXPRESS   Commercial Lines–Available via Tapco Direct)


Download The Smart Choice® Commercial Market Advantage Report




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 Homeowners– pays agents directly)

Augusta Mutual  (Personal Lines Homeowners)

Dairyland (Motorcycle and Non Standard Auto)

Donegal (Personal & Commercial Lines)

Foremost   (Personal Lines)

Grange  (Personal & 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  (Personal & 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, NetBop, and Hamilton.

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:   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… 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.  Call Roger Gill (804) 731-3050 for access.



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:

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

Smart Start Commercial Program

CE Authority   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



Roger has been an Insurance and Financial Services Professional since 1997. He earned a BA in Economics, a Masters and EdS graduate degrees from The College of William and Mary. Roger is the founder of The Insurance Advisor, LLC and MyBiz OnLine Services, LLC an online marketing and advertising agency, both located in Richmond, Virginia. He also serves as a Virginia Territory Manager for Smart Choice Agents.
Smart Choice is a network of over 6,300 independent agencies and more than 80 carriers. Collectively our agency partners represent more than $5 billion in written premium. We provide independent insurance agents with access to top-rated markets, product training, and sales and marketing support-and we're the only no-fee program of our kind.

The Insurance Advisor is a full service independent insurance agency representing over 3 dozen carriers.

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