Smart Choice® Virginia Agents Program News

Updated April 2018

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

 

Roger Gill, Virginia Smart Choice Agents Program Territory Manager

 

 

The Smart Choice Agents Program Virginia Independent Insurance Agent Update on the Smart Choice Agents Program (804) 638-9024 has provided insurance agents with access to carriers and brokers since 1994.  Over the past several years,  the Smart Choice Agents Program 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 to expand their markets with top rated, diverse carriers, receive higher commissions and bonuses, and have unequaled support services.  Bookmark this page for easy future reference.

 

IMPORTANT REMINDER:  Smart Choice provides access to direct appointments with many personal and commercial lines carriers with limit commitments.  All production with direct appointment carriers adds to the DWP CAP — the pathway toward 100% commissions, contigency bonues, and more!  See the Advantages of becoming a Smart Choice Leadership Agency below.

 

IMPORTANT RECENT NEWS

  1.   NEW:   Smart Start Personal Lines–Join the Quick Start Club! 
    1.     Earn an extra $25 for every new policy bound for the first 60 days for up to five policies. 
    2.     Use the Smart Start PL program to earn a sub-code direct appointment!
  2.   NEW:    Assurant Flood is a full service provider of NFIP and private market flood insurance–Available Now!
  3.   NEW:    HISCOX Available Now!   Fifteen (15%) Commission!  Click Here To Quote and Bind HISCOX
  4.   NEW:    HISCOX APPOINTMENT!  Go to email from Hiscox- Smart Choice®  on April 9 and click Submit Producer LIcensce.
  5.   NEW:    Tokio Marine CL Appointments available now–no DWP commitment–Easy-to-Use Online System.
  6.   NEW:    Grange Commercial Insurance is Available in Virginia NOW!
  7.   NEW:    Liberty Mutual – New Bonuses for Virginia in 2018 — Up TO 8.5% BONUS!  
  8.   NEW:    Nationwide PL & CL Appointments Available in Virginia NOW!
  9.   NEW:    All Agencies writing commercial business should have Express Markets to expand market offering.
  10.   NEW:   MetLife Auto & Home has lowered rates in Virginia–Combos pay 25% on new business and 15% on renewals.
  11.   NEW:   State Auto Commercial is now available in Virginia.
  12.   NEW:   State Auto Connect Available in Virginia April 12, 2018.  NEW SYSTEM; NEW PREMIUMS!.
  13.   NEW:   Liberty Mutual CL Available in Virginia NOW!  Special LOW commitment level for Smart Choice Agents!
  14.   NEW:  SES (EXPRESS MARKET)  Habitational Landlord Tenant Risks with no limit on properties!
  15.   NEW:   RPS  (EXPRESS MARKET) Broad & High RISK Markets E&S and Standard Markets are now available!
  16.   NEW:   Main Street is now open for new direct appointments!
  17.   NEW:   BH Guard is now offering TOWING Coverages!
  18.   NEW:   The Willis Programs sold to AmWins and is no longer available to Smart Choice agents.
  19.   NEW:   FREE Insurance Agent Resources NOW Available — Send a Gmail email request to RGill@SmartChoiceAgents.com.

 

Smart Choice Agents Program Important Information

 

Monthly Smart Choice Agents Program Virginia Update: I will be providing my Smart Choice agents 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.  Insurance Marketing News and Information will be included also.

 

PRIMARY GOAL:  Become a Smart Choice Leadership Agency.   As a member of the Smart Choice® Leadership Agent Club, you get special access to a variety of special bonuses and incentives.  You’ve proven yourself to be a successful agency owner, who over time has written a level of business through Smart Choice carriers, that has earned you the right to receive the following benefits:

 

•  Exclusive Smart Choice Gify Box
•  100% Commissions
•  First opportunity to purchase other Smart Choice agencies  (as available)
•  Access to exclusive contests and additional compensation opportunities from Smart Choice carrier partners
•  Eligible to qualify for the annual Leadership Agent Trip
•  Opportunity to earn bonus and contingency sharing each year
-Loss Ratio Forgiveness: If your agency’s loss ratio doesn’t meet the annual requirement, the agency’s two year average will be considered
-Growth Forgiveness: If your agency’s growth is 1% or less with a carrier, but total growth with Smart Choice carrier partners exceeds 10%, the agency will still qualify

 

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.  See List Below.

 

Smart Choice Express Market Program — Carriers pay agents directly–no fees or commission split with Smart Choice– AllRisks,  Arrowhead, Atlas, BTIS, Burns and Wilcox, Cabrillo, Dovetail, Five Star, Hagerty,  RMS, RPS, SES, Tapco, and USLI.  More Express Markets are coming soon!     See the EXPRESS Commercial Carriers in the list below.

 

Smart Start Programs in commercial and personal lines makes it easy for experienced and start-up agencies to grow their book of business. These programs have been expanded and improved.  See Smart Start Commercial & Personal Lines  “How It Works” below.

 

VIVA Life and Quick Life Programs make providing  Life Insurance to your clients easy.  Viva Life is an online portal for your website that allows customers to buy direct and get instant coverage.  Quick Life allows you to 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) 731-3050 for details and appointment.

 

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

 

Book Rolls and Book Aggregations may immediately increase your current and future income.  For example, one carrier currently pays an 8% bonus (Pays directly to agent–no split) on personal lines DWP for a book roll. Carriers generally do most of the work for books over 250,000 DWP.   Call Roger Gill (804) 731-3050 for details.

 

CE  Authority $29 a year for a Library of Insurance Courses and Complete CE Requirements!   Click Here to Sign up now!   

 

Smart Choice Agents Referral Program.  Get paid by simply referring insurance agents to Smart Choice.   Call Roger Gill (804) 731-3050 to obtain your Smart Choice Referral Agreement.

 

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Why Choose Smart Choice Agents Program? 

 

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 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

(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 sell 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.

 

 

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COMMERCIAL LINES DIRECT APPOINTMENTS

 

Smart Choice Agents Program Virginia Carrier Partners:  Below are our current Virginia Insurance Carrier Partners that provide a broad segment of diverse commercial markets.  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.  Agents have direct access to directly appointed carriers.

 

 

Berkshire Hathaway Guard    (Commercial Lines Direct—NOW offering TOWING Coverage!)

CNA  (Commercial Lines – Smart Start Commercial and Direct)

Donegal  (Commercial Lines Direct)

Grange  (Commercial Lines Direct)

Liberty Mutual  (Commercial Lines Smart Start Commercial and Direct–Offering Bonuses for 2018)

Main Street   (Commercial Lines Direct)

MetLife Small Business  (Commercial Lines – Smart Start Commercial and Direct via Dovetail-Offering Bonuses for 2018)

Nationwide / Allied  (Commercial Lines Direct)

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

State Auto   (Farms–BOPs, BA, WC, & UM)

Tokio Marine  (Artisan Contractor BOP — Admitted & Non Admitted Commercial Lines Direct)

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

Travelers  (Commercial Lines – Smart Start Commercial and Direct)

 

IMPORTANT REMINDER:  Although Direct Appointment Access to Smart Choice Carriers require only a small commitment, Carriers may reduce commissions or cancel the appointment, if the minimum commitment is not met.  Please check and prepare to meet your commitment with each directly appointed carrier.

 

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EXPRESS MARKETS

 

Smart Choice Agents Program Virginia EXPRESS MARKET Carrier Partners:  Below are our current Virginia EXPRESS MARKET Insurance Carrier Partners that provide a broad segment of diverse Commercial and Personal Lines coverages from Admitted Standard Markets to Non Admitted E&S.  The Express Market carriers pay 100% commissions to Agents with no split to Smart Choice,  most do not require any DWP commitment, and the appointment process is quick.

 

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

Arrowhead  (EXPRESS    Personal Lines Homeowners.  Pays agents directly)

Assurant Private Flood   (EXPRESS Personal and Commercial Private Flood Program–pays agents directly)

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

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–E&S and Standard Markets–pays agents directly)

Cabrillo  (EXPRESS    Personal Lines Coastal Homeowners — Admitted & Surplus lines with A rating. Pays agents directly)

DoveTail   (EXPRESS Commercial Lines BOPs – Smart Start Commercial and Direct – Startups and Lapses Welcomed!–pays agent 100% via Smart Choice)

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

Hagerty  (EXPRESS    Personal Lines Classic & Antique Auto.  Pays agents directly)

HISCOX  (EXPRESS Commercial Lines BOPs via BTIS – Direct – Startups and Lapses Welcomed–pays agents directly)

RMS   (EXPRESS    Hospitality Industry – Motels to Night Clubs — pays agents directly)

RPS  (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly)

SES  (EXPRESS    Habitational Landlord Tenant Risks with no limit on properties!–pays agents directly)

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

USLI  (EXPRESS   Commercial Lines–Available via Tapco Direct–pays agents directly)

 

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PERSONAL LINES

 

Access to Personal Lines Insurance Carriers for Virginia Agents

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

 

 

ALFA Vision & Select  — Now TREXIS (Non Standard Personal Lines)

Allied (Nationwide)   (Personal Lines)

Allstate  (Mainly for Rural Areas)

ArrowHead   (EXPRESS Personal Lines Mono Homeowners– pays agents directly)

Augusta Mutual  (Personal Lines Homeowners- PC 9&10s Welcomed!)

AVIA Life  (Online Direct Purchase Client Portal Term Life)

Cabrillo  (EXPRESS  Personal Lines Coastal Homeowners — Admitted & Surplus lines with A rating. Pays agents directly)

Dairyland  (Standard Motorcycle and Non Standard Auto)

Donegal  (Personal & Commercial Lines)

Encompass  (Smart Start and Personal Lines Direct)

Foremost   (Personal Lines & Commercial Lines)

Grange   (Personal Lines Smart Start, Personal & Commercial Lines Direct, and Life)

Hagerty  (EXPRESS    Personal Lines Classic & Antique Auto.  Pays agents directly)

Kemper   (Personal Lines Smart Start and Direct)

Lincoln Financial  (Life and Annuities)

Main Street   (Personal & Commercial Lines Direct)

Mercury  (Personal Lines and Business Auto Direct)

MetLife  Auto & Home  ( Personal Lines Smart Start, Direct and Flood)

Nationwide  (Personal & Commercial Lines Direct)

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

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

Travelers  (Personal & Commercial Lines Smart Start —  Direct)

Safeco  (Personal Lines Smart Start — Direct)

State Auto  (Personal and Commercial Lines and Farms Direct)

Stillwater  (Personal  Lines Smart Start — Personal and Commercial Lines Direct)

 

IMPORTANT REMINDER:  Although Direct Appointment Access to Smart Choice Carriers require only a small commitment, Carriers may reduce commissions or cancel the appointment, if the minimum commitment is not met.  Please check and prepare to meet your commitment with each directly appointed carrier.

 

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Smart Start Programs

 

Smart Choice Agents Program offers opportunities for agents to access commercial and personal lines carriers without a direct appointment.  These no fee programs provide instant access, no volume commitments, have a 70/30 commission split with Smart Choice (Agent gets 70%), and are a pathway to a direct appointment.  The personal lines program requires a subscription to the Ezlynx Comparative Rater.

 

Smart Start Personal Program

Smart Start Personal Lines User Guide

 

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

 

 

Smart Start Commercial Program 

Smart Start Commercial Program User Guide

 

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

 

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Smart Choice Agents Program Information and Benefits

 

The following links will provide additional information about many of the Smart Choice programs and benefits.  Visit the website directly at:  www.smartchoiceagents.com.  The following links will provide additional information about many of the Smart Choice Programs, Vendor Discounts, and Benefits.  

 

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.

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

Smart Start Personal Lines Program    Immediate Access to Top Rated National Carriers

Smart Start Commercial Program    Complete a two minute online form & get quotes from Top Commercial Carriers

Smart Choice Life  One of easy ways to provide Life Insurance

Smart Choice® Express Markets  Many markets and carriers with no commitment — Pays Agent Directly

Smart Choice Group E&O    Get E&O coverage in minutes —  Online Form from CalSurance

EzLynx Comparative Rater & Management System   Discounted for Smart Choice Agents

QQ  Solutions Management System   Discounted for Smart Choice Agents

SEMCAT RATER  Discounted for Smart Choice Agents

CE  Authority $29 a year for a Library of Insurance Courses and Complete CE Requirements!

Smart Choice® Magazine  Learn  about the history and development of Smart Choice in our Monthly Magazine.

 

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TERRITORY MANAGER

Why Choose Roger Gill and The Insurance Advisor Team for Your Smart Choice Agents Program Territory Manager?​

  • ​Over Twenty years of Agency Management Experience–Both Captive and Independent.
  • ​Founder of the Fast Growing Independent Agency — The Insurance Advisor — Founded in 2012​.
  • ​Built The Insurance Advisor from Scratch ​to a Smart Choice CAP Agency in Less Than Four Years.
  • Provides Training and Resources to Enhance Profitable Agency Growth.
  • ​Provides Professional Level of  Online Marketing for Insurance Agencies via MyBiz OnLine Services.
  • Provides Assistance with Business Development — Startups to Large, Experienced Agencies.
  • ​Ezlynx Comparative Rater and Agency Management System Experience–We use and know Ezlynx!​
  • We Share our Agency Processes and Technologies — Value Added Resources to Enhance Efficiency & Effectiveness.
  • Extraordinary Agency Services and Responsiveness — We Give Our Cell Numbers to Our Agents.
  • Learn More About Roger on LinkedIn

 

Want to know what Insurance Agency Owners and Carriers say about Roger Gill?   CLICK HERE  

 

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

 

Roger L. Gill
___________________________

Virginia Territory Manager
Smart Choice®

 

Founder
The Insurance Advisor, LLC

 

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

 

C: 804-731-3050
F: 804-638-9900

 

rgill@smartchoiceagents.com

 

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