Smart Choice^® Virginia Insurance Agents Network Program 

Updated April 16,  2021

Watch The Video Below To Learn About

The Smart Choice Virginia Insurance Agency Network Program

To Talk With Smart Choice® State Director Roger Gill, Call (804) 731-3050

The Smart Choice Insurance Agents Network Program has provided insurance agents with access to carriers and brokers since 1994.  Over the past several years,  the Smart Choice Virginia Team has been working hard to make their Virginia Insurance Agents Network Program even better.   The following is an overview that will provide some insight as to why I believe this program is the best Insurance Agent Network or Insurance Agent Cluster opportunity for Virginia Insurance Agents 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 (Ctrl  D).

IMPORTANT REMINDER:  The Smart Choice Virginia Insurance Agents Network Program provides access to direct appointments with many personal and commercial lines carriers with limited commitments.  All production with direct appointment carriers adds to the DWP CAP — the pathway toward 100% commissions, contingency bonuses, and more!  See the Advantages of becoming a Smart Choice Virginia Leadership Agency below.

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Smart Choice is The Fastest Growing Insurance Agent Network for Good Reasons

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Why Choose Smart Choice Virginia Agents Program? 

(1)  Access to Top-Rated, Competitive Carriers – Top-Tier Commissions & Small or No Commitments!

(2)  No Startup, On-Going, or Exit Fees –  NO FEES!

(3)  Own 100% of Your Book of Business – You have 100% Control!

(4)  Perpetuate Your Agency the Way You Would Like – And We Help!

(5)  Book Rolls & Aggregation Opportunities with Bonuses – And We Help!

(6) Contingency Sharing and Bonuses – Mostly at the TOP TIER

(7) Training & Support – And We Have Some of The Best Support & Resources!

(8)  Many Money Saving Benefits – Large Vendor Discounts!

Our Agent Partners Earn Higher Net Commissions and

Have Lower Production Commitments!

In summary, the Smart Choice Virginia Insurance Agents Program provides you with access to top-rated insurance carriers with No or Small Production Commitments, Higher Net Commissions, AND Without Any FEES!   Smart Choice Agents receive 100% commissions directly from our Express Market Partners.  In the Smart Choice Agents Program, Agents share 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).  It is important to understand that with the large national production volume of over 7500 agents, our Smart Choice Carrier and Wholesale partners generally pay TOP TIER commissions.  The result is more net commissions to Smart Choice Virginia Agents–from the Base and Contingency Sharing Commissions to additional bonuses and incentives.

If and when you decided to sell or give away your agency—no problem, you can–AND WE WILL HELP!.  Smart Choice does not own an equity position in your agency—you own 100% of the agency and book.   Contact me for details about any of the above summary reasons why I believe Smart Choice Virginia Agents Program is also the BEST CHOICE for Independent Agents.

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Stay Informed:  Subscribe to Our Smart Choice Virginia Agents Newsletter 

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VISIT THE SMART CHOICE VIRGINIA MODEL AGENCY

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Smart Choice Virginia Insurance Agent Programs

Six Programs with Market Access and Support

Smart Choice Virginia offers Six Programs for agents to access P&C carriers:  Smart Start Personal Lines Program, Smart Start Commercial Lines Program, Smart Start Commercial Specialty Program, Express Markets, and Sub-Code Direct Appointments.

I.  SMART START PERSONAL LINES PROGRAM  allows agents instant access to 7 top-rated personal lines carriers without needing an appointment and with no premium commitments.  Has a 70/30 commission split with Smart Choice (Agent gets 70%) and are a pathway to a direct appointment.  Requires a subscription to the Ezlynx Comparative Rater (available at a discounted rate).  Features include:

• Instant Access to 16 Top-Rated Carriers
• No Appointment Needed with Carriers
• No premium volume requirements
• Receive competitive commissions (most companies pay 15% on new business)
• Dedicated underwriter to assist and bind coverage
• Uses the Ezlynx Comparative Rater
• Carriers Include: Allstate, Nationwide, Travelers, Grange, Safeco, MetLife, National General, Encompass, Kemper, Mercury, Stillwater, Bristol West, and Foremost Specialty
• Pathway to Smart Choice Sub-Code Direct Appointments

Smart Start Personal Lines Program

II.  SMART START COMMERCIAL LINES PROGRAM  allows agents instant access to 10 top-rated commercial lines carriers without needing an appointment and with no premium commitments.   Has a 70/30 commission split with Smart Choice (Agent gets 70%) and are a pathway to a direct appointment. Features include:

• Instant Access to 10 Top-Rated Carriers
• No Appointment Needed with Carriers–write in 45 States with VA License
• No premium volume requirements
• Receive competitive commissions (most companies pay 20% on new business BOP)
• Dedicated underwriter to assist and bind coverage
• Uses an Online Form on the Smart Choice Agents Business Center Portal
• Carriers Include: Nationwide, Travelers, Liberty Mutual, Guard, Chubb, CNA, Metlife, The Hartford, Dovetail, Westchester, and Tapco
• Pathway to Smart Choice Sub-Code Direct Appointments

Smart Start Commercial Program 

III.  SMART START COMMERCIAL SPECIALITY LINES PROGRAM allows agents instant access to specialty niche programs managed by Michael DePasquale in our Smart Start Commercial Department.  No appointment needed and No premium commitment.   Has a 70/30 commission split with Smart Choice (Agent gets 70%).  Two specialty programs are currently available and will be expanding.

•   Chubb Dentistry BOP Insurance for General Dentistry, Oral Surgeons, Orthodontists and Endodontists  
•   GuideOne Commercial Package Policy for Churches.  
•   Liberty Mutual Farm and Agribusiness
•   Nationwide Farm & Agribusiness
•   State Auto Middle Market

IV.  SMART CHOICE INSURANCE AGENTS PROGRAM — Sub-Code Direct Appointments allows agents to obtain appointments with some of the top-rated Personal and Commercial Lines carriers in the industry, with limited premium commitments through sub-codes with Smart Choice. Has a 70/30 commission split with Smart Choice (Agent gets 70%) up to an annual Commission CAP, then agent receives 100%.  Sub-Code Direct Appointments are the pathway to the primary agency goal of Leadership Agency Status with enhanced earnings and benefits.  Although the carriers make the appointment decision, Smart Choice Territory Managers and State Directors work closely with carriers and assist agencies in the appointment process.  See a list of the Smart Choice Carriers below.

• Access Carriers Directly
• Low Minimum Premium Commitments
• Potential to Earn Bonuses & Contingency Sharing
• Potential to Earn 100% Commissions
• Book Roll Services with Bonuses via Carrier Partners
• Aggregation Opportunities to Enhance Net Commissions
• Only Sub-Code Appointments Count Towards the CAP
• Pathway to Leadership Agency with Enhanced Earnings & Benefits

Smart Choice Agents Program — Sub-Code Direct Appointments

V.  SMART CHOICE EXPRESS MARKETS PROGRAM allows agents nearly instant access to Top-Rated Carriers & Brokers that provide a broad segment of diverse Commercial and Personal Lines coverages from Admitted Standard Markets to Non Admitted E&S via a direct appointment.    The Express Market carriers pay 100% commissions to Agents with no split to Smart Choice;  most do not require any premium commitment, and the appointment process is quick.  Click to Learn more about the Smart Choice Express Markets.   

  EXPRESS MARKERT FEATURES INCLUDE:

• Nearly Instant Access
• 100% commission paid directly to agent
• Access to Personal, Commercial, Excess/Surplus, & Specialty Markets
• Directly appointed with the carriers
• No or very limited production requirements
• No fees

Watch the Express Market Video 

Book Rolls and Book Aggregations may immediately increase your current and future income.  For example, one carrier currently pays a 15% bonus on top of the base commission (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   $29.95 a year for a Library of over 200 Insurance Education Courses and Complete CE Requirements!   

Smart Choice Agents Referral Program  Get paid by simply referring insurance agents to Smart Choice.   Download Smart Choice Referral Agreement and return to Roger Gill.

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

Applied Rater (Formerly SEMCAT RATER)   Discounted for Smart Choice Agents

Smart Choice Website Builder    Professionally-designed and maintained websites for extremely reasonable prices!  Sign up for monthly hosting and get your website creation free! 

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

Live Oak Bank   Financial Solutions to support agency growth

Oak Street Funding   Financial Solutions to support agency growth

Smart Choice Virginia 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 developing 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.

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Become a Smart Choice Virginia Leadership Agency

PRIMARY GOAL:  Become a Smart Choice Virginia 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

Contact Roger Gill to develop your plan to become a Smart Choice Virginia Leadership Agency.

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IMPORTANT RECENT NEWS

1. NEW:   MMG Commercial Appointments Available in Virginia NOW!
2. NEW:   ATTUNE BOP & WC (EXPRESS MARKET) Admitted BOP with Coastal Property & WC 
3. NEW:   Sports Underwriters Now Available!  All Sports Insurance Programs–Online Portal.
4. NEW:   HISCOX Available Now!   Fifteen (15%) Commission Paid Directly to Agents! NO Split.
5. NEW:   GuideOne  BOP available in Virginia NOW. 
6. NEW:    Smart Start Commercial Specialty Program is Ready to Write with Chubb, Westchester, and GuideOne.
7. NEW:   CRC  (EXPRESS MARKET)  Access 300+ Standard & E&S Carriers; e.g.; Transportation, Energy.
   1.     One-Stop-Shop:  MGU Programs, and Underwriting Wholesaler & Specialty Markets.   Learn More 
8.  NEW:   Insurance LEADS Now Available with Discounted Rate:  Learn More About EVERQUOTE PRO LEADS 
9.  NEW:   Utica direct sub-code appointments available soon!
10.  NEW:   Safeco is offering full and partial Book Roll incentives–Up to 15% Bonus paid directly to Agent!
11.  NEW:   ALL Risk QuickHome Program–One-Stop for Non-Standard Home including Coastal.  
12.  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!
13.   NEW    Increased Benefits for Smart Choice Leadership Agencies.  Click Here for more Info.
14.   NEW:   Assurant Flood (EXPRESS MARKET) Provider of NFIP and private market flood insurance.
15.   NEW:   Tokio Marine (EXPRESS MARKET) Artisan Contractor–Easy-to-Use Online System.
16.   NEW:   Grange Commercial Insurance is Available in Virginia NOW!
17.   NEW:   Nationwide PL & CL Appointments Available in Virginia NOW!
18.   NEW:    All Agencies should have EXPRESS MARKETS to expand market offerings.  See Listing Below.
19.   NEW:    MetLife Auto & Home has lowered rates in areas of Virginia and is Offering Book Roll Incentives!
20.   NEW:   The New State Auto Commercial Platform will be available in Virginia earl Fall 2018.
21.   NEW:    Liberty Mutual CL Available in Virginia NOW!  Special LOW commitment level for Smart Choice Agents!
22.   NEW:   SES (EXPRESS MARKET)  Habitational Landlord Tenant Risks with no limit on properties!
23.   NEW:   RPS  (EXPRESS MARKET) Broad & High RISK Markets E&S and Standard Markets are now available!
24.   NEW:   BH Guard is now offering Mono Line Home and TOWING Coverages

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COMMERCIAL LINES SUB-CODE DIRECT APPOINTMENTS

Smart Choice Virginia Agents Program 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.

Allstate  (Commercial Lines Direct)

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)

Guide One (Commercial Lines Direct)

Liberty Mutual  (Commercial Lines Smart Start Commercial and Direct–Offering Bonuses for 2021)

Main Street   (Commercial Lines Direct)

MMG  (Commercial Lines Direct)

Nationwide / Allied  (Commercial Lines Direct)

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

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

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

Travelers  (Commercial Lines – Smart Start Commercial and Direct)

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EXPRESS MARKETS DIRECT APPOINTMENTS

Smart Choice Virginia Agents Program 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.

Aegis  (EXPRESS   Mobile and Manufactured Homes–pays agents directly)

American Modern (EXPRESS   Mobile, Manufactured, Dwelling, Condo, Motorcycle, ATV, Boat, Classic Cars & more!  Pays agents directly) 

Attune  NEW:  BOP & WC (EXPRESS)  Admitted BOP with Coastal Property & WC

Arrowhead  (EXPRESS    Personal Lines Homeowners–pays agents directly)

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

BTIS  (EXPRESS Commercial GL and WC including Artisan Contractors–Startups and Lapses welcomed!  pays agents directly)

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

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

Dairyland  (EXPRESS  Standard Motorcycle and Non Standard Auto–pays agents directly)

DoveTail   (EXPRESS Commercial Lines–Smart Start Commercial and Direct–pays agent via Smart Choice)

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

Gainsco  (EXPRESS  Non Standard Auto–pays agents directly)

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

HISCOX  (EXPRESS Commercial Lines BOPs, Professional Liability & More; 15% Commission; No Split)

Legends  (EXPRESS Commercial Environmental Insurance Services–pays agents directly)

National General Insurance (EXPRESS  PL & CL Auto, RVs & Toys — 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)

SIS  (EXPRESS)  General Liability, Builders Risks, Inland Marine & Workers Comp   

1. Monoline GL for 70+ classes of business including tougher to place Roofers, Tree Trimmers, GC’s, Excavation, Class A Contractors with 100% Subs 
2. Workers’ Compensation – Appetite for “GHOST” policies, new ventures, and lapses in coverage
3. Builders Risks & Inland Marine Coverages
4. One of the Easiest and Most Comprehensive Brokerage with Leading Edge Online Portal

Sports Underwriters (EXPRESS Now Available!  All Sports Insurance Programs–Online Portal)

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

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

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

Wright Flood  (EXPRESS MARKET) NFIP and private market flood insurance

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PERSONAL LINES SUB-CODE DIRECT APPOINTMENTS

Access to Personal Lines Insurance Carriers for Virginia Agents

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

Aegis  (EXPRESS   Mobile and Manufactured Homes–pays agents directly)

Allied (Nationwide)   (Personal Lines)

All Risks  (EXPRESS   Brokerage and Quick Home plus Broad Risk Brokerage–pays agents directly)

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)

Chubb  (Smart Start and Personal Lines)

Donegal  (Personal & Commercial Lines)

Encompass  (Smart Start and Personal Lines Direct)

Foremost   (Personal Lines Specialty, Dwellings, and Non Standard Auto)

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 Smart Start and Direct)

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

NBIC  Narragansett Bay Insurance (EXPRESS: GREAT Coastal Property Coverage)

National General Insurance (EXPRESS  PL & CL Auto, RVs & Toys 

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)

TREXIS formerly ALFA Vision & Select  (Non Standard Personal Lines Auto)

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)

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VISIT THE SMART CHOICE VIRGINIA MODEL AGENCY

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Request A Copy of the Smart Choice Agents Agreement

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SMART CHOICE VIRGINIA TEAM & STATE DIRECTOR

• ​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 Online and Offline Marketing Support.
• 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 The Smart Choice Virginia Team?   CLICK HERE  

Please let me know if you have any questions.  I look forward to working with you.

Roger L. Gill
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Smart Choice^® Virginia State Director

C: 804-731-3050

rgill@smartchoiceagents.com

www.smartchoiceagents.com
www.facebook.com/SmartChoiceVirginia