(804) 731-3050

"THE PARTNER FOR INDEPENDENT INSURANCE AGENTS"

Smart Choice® Virginia Agents Program News

Updated July 14, 2021

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

 

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Table of Contents

 

NEW:   SC Agency INFO UPDATE FORM 2021

Current Smart Choice Virginia Newsletter

CURRENT BREAKING NEWS IN GREEN

Carrier Appointments Available to All SC Agents

Smart Choice Carrier 2021 Commissions, Bonuses & Incentives

Smart Choice Programs BREAKING NEWS

Smart Choice Support Contact Guide

Smart Choice Virginia Model Agency

Smart Choice Agent User Guide

EARN 100% Top Tier Commissions 

SMART CHOICE AGENT PROGRAMS

     Carrier Sub Code Appointments

     Smart Start Personal Lines 

     Smart Start Commercial Lines

     Smart Choice Express Markets 

     Smart Choice Life & Financial

Vendor Products-Discounts

Smart Choice Virginia Carriers

Smart Choice State Director Information

 

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Learn About The Smart Choice Virginia Insurance Agents Program

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

 

The Smart Choice Agents Program Virginia Smart Choice Insurance Agent Update on the Smart Choice Agents Program (804) 731-3050 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 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:  Smart Choice 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 Leadership Agency below.

 

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NEED HELP?  CLICK:  SMART CHOICE SUPPORT CONTACT GUIDE

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AGENT USER GUIDE:   SMART CHOICE VIRGINIA AGENT PLAYBOOK

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VISIT THE SMART CHOICE VIRGINIA MODEL AGENCY

 

Check Out A Smart Choice Virginia Model Agency! "Smart Choice is The Independent Agency Partner!" Call (804) 731-3050

 

 

<< BREAKING NEWS >>

 

ALL PROGRAMS

  1. NEW:  Virginia Insurance Rules, Regulations and Laws COMPLIANCE INFO
    1. Virginia Insurance Compliance Common Problems–All Agents Must Know
    2. Virginia Insurance Compliance Enforcement and Penalties
    3. Virginia Laws & Regs Title 38.2
    4. Learn More about the NEW Virginia Information Security Law and Required Compliance  (Effective July 1, 2020).
  2. NEW:  INFORMATION SECURITY PROGRAM “TOTAL SOLUTION” Now AVAILABLE from Burns & Wilcox.
    1. GET APPLICATION:  Download the Burns & Wilcox NODE Information Security Program Application (No Underwriting & Heavily Discounted).
    2. Learn More about the NEW Virginia Information Security Law and Required Compliance (Effective July 1, 2020).
    3. Learn More about the Burns & Wilcox NODE Information Security Program
      1. GET APPOINTED with Burns & Wilcox and Earn Commissions on sales of this and other products!   Get Appointed  
      2. Get Your Burns & Wilcox Free Agency Branded Sales Materials  Burns & Wilcox Commercial Solutions     Burns & Wilcox Client Services & 2020 INFO
  3. NEW:  CE  Authority   $29.95 a year – 200 Insurance Course Library – Complete CE Requirements Online! 
    1. Sign up now!   Recommended CL & PL Educational Courses
  4. NEW:  MUST HAVE Express Markets,  Sub-Code Carriers, and CE Authority AVAILABLE to ALL Virginia Agents!
    1.    Visit  CARRIER APPOINTMENTS AVAILABLE to ALL VIRGINIA SMART CHOICE AGENTS and expand your markets and resources!
    2.    EXPRESS MARKET CARRIERS PROVIDE: Almost Instant Access, Little or No Commitments, 100% Commissions Paid Directly to Agents
  5. NEW:  Your Smart Choice Agency Business Report (ABR) is NOW available on SmartChoiceAgents.com! 
    1. After you login to SmartChoiceAgents.com, goto the Commissions Tab and then the Reports Tab to the right.  
    2. This ABR provides a monthly production status of Carrier DWP, a graphical view of Leadership Status, & more!
  6. NEW:   Insurance LEADS Now Available with Discounted Rate:  Learn More About EVERQUOTE PRO LEADS 
  7. NEW:  All About Lexis Nexis

 

BREAKING NEWS SMART START COMMERCIAL LINES

    1. NEW:  Liberty Mutual will pay additional 7% Commission Incentive for 2nd Quarter 2021 on Small Business Policies.
    2. NEW:  Chubb has opened up artisan contractors in Smart Start.  Sub-Codes will be available soon!  Learn More

      The Chubb Contractor BOP product includes FULL Property Enhancement and GL Enhancement Endorsement:

      1. Contractors Property Enhancement endorsement with over 60+ coverages including installation floater starting @ $50
      2. Contractors’ Installation coverage available up to $100,000
      3. Contractors’ Tools & Equipment blanket coverage available up to $100,000
      4. Scheduled Tools available up to $100,000 per item
      5. Contractors’ Equipment – Extra Rental Expense available up to $100,000
      6. Primary/Non-Contributory optional wording available
      7. Waiver of Subrogation option available
  2. NEW:  NATIONWIDE INSURANCE is AVAILABLE  in SSCL effective 02/08/2021!   
    1. SSCL Carrier Service Center Contact Guide
    2. Download Nationwide AOR Form
  3. Smart Start Commercial Lines User Guide
  4. NEW:  Smart Start CL Training (Must be Logged in to Agency Business Center
  5. NEW:  Smart Start CL Resources  (Carrier Contact Info, Carrier Guides, Accord Forms, AOR Forms, Applications, & More)
  6. NEW:   Smart Start CL Quote Submission Guide
  7. NEW:  Middle Market Available with State Auto via SSCL.  Only For Premiums over $50K, send the following to Roger Gill:
    1. Copy of Current Policy or Current Carrier and Target Premium
    2. Full Completed ACORD Apps
    3. 3-5 Years of Loss Runs
    4. Needs to be over $50K in premium
    5. Needs to be 60 days out or further
      State Auto Middle Market Appetite        State Auto Middle Market Recent Wins
  8. NEW:  We are now writing Farm in Smart Start!  Below are the Farm appetites & Info for Liberty and Nationwide.
    1. Liberty Mutual eCliq State Available for SSCL
    2. Liberty Mutual Farm Appetite for SSCL
    3. Nationwide Farm Application for Smart Start Commercial
    4. Nationwide Farm Appetite for Smart Start Commercial
  9. Chubb Dentistry BOP Insurance for General Dentistry, Oral Surgeons, Orthodontists and Endodontists  Get Started
  10.   GuideOne Commercial Package Policy for Churches.  Learn More  Get Started

Agents can send Apps and loss runs to Joey Duggins in our Smart Start Department: Joey Duggins | 888-264-3388   x3085 | duggins@smartchoiceagents.com

 

BREAKING NEWS SMART START PERSONAL LINES

  1. NEW:  SMART START PL UPDATE:  Agents can now SERVICE CLIENTS DIRECTLY!  
    1. Effective January 18, 2021, Agents will have the ability to call Smart Start Personal Lines carrier partners directly to service client policies.  Access Carrier Contact Info and Carrier Codes.  Simply call the carrier and provide the unique code to authenticate yourself. Please note that this code only gives you access to service policies, not to write new business. You may also email the carriers to service your customers’ policies. Of course, we are always here to assist, but we are excited with this operational change and hope you will find it beneficial to your agency’s success.*Please Note: Allstate, Metlife, and Travelers follow a different workflow: Allstate flows through the Smart Start Personal Lines team, Metlife and Travelers require the client to call. You may be on the line; however, the client will need to lead the call. We cannot provide our agent code for Travelers at this time, but you also may email them directly with servicing needs.
  2. NEW:  Kelly Klee. High Value Homes & High Net Worth Clients with AIG and CHUBB now available through Kelly Klee.
    1. Available to ALL agents through SSPL
      1. Click Here to Quote Now!
    2. Available as a direct appointment in the Agents Program (counts toward the cap!)
      1. Contact Roger or Daniel to learn more.
  3. NEW:  We always want to make sure that Smart Choice® agency partners receive accurate and timely responses. We are aware that depending on your location and time zone, the wait could be longer, as the Smart Start Personal Lines Underwriting Team is working in the Eastern Time Zone.  Effective immediately, our operating hours are Monday – Thursday from 8:00 AM to 7:00 PM EST and Fridays from 8:00 AM to 5:00 PM EST.  We no longer offer Saturday hours.
    1. HOW DO YOU REACH THE SMART START PERSONAL LINES TEAM AFTER HOURS?   Email us at smartstartpl@smartchoiceagents.com
    2. EZLynx Technical Issues: support@ezlynx.com or 877-932-2382
    3. Add or Disable Users/Add Rating States: smartstartpl@smartchoiceagents.com
    4. Quote Questions: smartstartpl@smartchoiceagents.com
  4. REQUIRED Smart Start PL Live Training Webinar REGISTRATION SIGN UP 
  5. Smart Start Personal Lines Training and Resources  (Login into Agency Business Center)
  6. Smart Start Personal Lines Resources  (Carrier Guides, AOR Forms, Applications, Underwriting Guide & More)

BREAKING NEWS AGENTS PROGRAM CARRIERS

  1. Quick View of 2021 Agent Program Carrier Commissions & Incentives
  2. NEW:   COVER WHALE TRUCKING INSURANCE Now Available!   Learn More   Quote Guide  Welcome Pak   Get Appointed 
  3. NEW:  MMG  (Commercial Lines Direct) NEW! Comprehensive Commercial Carrier — Competitive with Erie and Auto Owners. Contact Roger Gill or Daniel Brown to Request Appointment.
  4. 2021 FAST START BONUS:  FOR  2021 Smart Choice® Agents or Agents with newly appointed  Participating Carriers in 2021:
    1. Will Earn 50% of  any bonuses or contingencies that Smart Choice receives based on the following eligibility:
      1. Agency writes a minimum of $50,000 in premium with the Carrier in 2021
      2. The Agency Loss Ratio for the Carrier must be less than 75%
      3. The State must qualify for the Carrier Bonus.    Learn More
  5. NEW:  SAFECO 2021 Additional Sales Incentive:  Progressive Book Transfer
    1. Everyone guaranteed 20% price match. Higher price match levels available for any agency with less than a 60% loss ratio
    2. If anyone has up to $250k, they can receive 8% extra commission
    3. $250k or more with a loss ratio between 55% and 60% – 11% extra commission
    4. $250k or more with a loss ratio below 55% – 13% extra commission
    5. Extra commissions are paid out quarterly to Smart Choice corporate who will allocate to participating agents
  6. NEW:  Mercury Insurance Advantage Update—Many New Discounts — 07082020
  7. NEW:   Travelers Advance Quote Discount Began February 16, 2020
    1. February 16, 2020 Early Quote Discount on Quantum Auto 2.0 policies in Virginia.
    2. Maximum Early Quote Discount will increase from 10% to 15% for account rounded business and 5% to 10% for monoline business.
    3. Discount applies if the quote is completed at least 15 days before the policy effective date.
  8. NEW:  Travelers 2nd Quarter Incentives   Click Here to Check Them Out!
  9. NEW:  Liberty Mutual Surety is Available in Virginia!   Learn More and Get Appointed
  10. NEW:  Liberty Mutual Incentive Bonuses:  LEARN MORE
    1.  3% Bonus on new business until the end of the 2021 year!!!
    2.   Instant Incentives: Up to $50 paid for each quote submitted & written via eCLIQ d
  11. NEW:  Liberty Mutual Helps your WC clients navigate challenging times with Your Way Pay™  
    1. Liberty Mutual Insurance’s convenient pay-as-you-go billing option for workers compensation policies issued in eCLIQ®
    2. New sell sheet for you to share with prospects and clients
    3. New policy stuffer for all eCLIQ WC renewal policies, directing policyholders to contact you if they’d like to switch their billing method to Your Way Pay
    4. Enhanced Your Way Pay consumer website outlining features and benefits
    5. Additional resources to help you explain the benefits of Your Way Pay and get your clients set up
  12. NEW:  Click for Liberty Mutual Commercial Training  Recorded Webinars, Live Webinars, and Written Content!

 

BREAKING NEWS EXPRESS MARKETS 

  1. New:  Lemonade Homeowners Insurance now available.    Learn More     Get Appointed
  2. NEW:  Burns & Wilcox will write your TRANSPORTATION RISK!  Burns and Wilcox Transportation Solutions
    1. Trucking
    2. Public for Hire
    3. Garage
    4. Dealerships & More.   Burns and Wilcox Transportation Solutions
  3. NEW:  GAINSCO Non Standard Auto  Competitive Minimum Limits NS Auto with Int License. Smart Agents earn 12%.  Carrier Spotlight Video  Learn More   Get Appointed
  4. NEW:  Orchid Coastal Property   Learn More   Get Appointed   Training  Please Notify Roger Gill or Daniel Brown after completing appointment process.
    1. Agent receives 100% commission and is paid directly by Orchid.
    2. Orchid offers some of the best and most comprehensive coverages for  Coastal Property.
    3. Online and Quick Quoting options for Agents.
      1. All of Orchid’s solutions are with A- or better A.M. Best rated companies
      2. Qualifying Minimum Coverage A amounts vary by state
      3. Multiple policy forms, including HO3, HO5, HO6, DP3, and Builder’s Risk
      4. Multi-peril, Excluding Wind, Wind-only, Excess Flood, Inland Marine
      5. Orchid has over 11 unique carrier relationships (several are proprietary)
      6. Everything is handled electronically and paperless via Orchid’s online system. If you need assistance or a demo, we can help facilitate that.
      7. Experienced underwriters can assist with any risk
      8. Turnaround time on most quotes is 24 hours or less. Several states offer real-time rating.
  5. NEW:  SIS Brokerage—(EXPRESS)  General Liability, Builders Risks, Inland Marine & Workers Comp   LEARN MORE  GET APPOINTED
    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
      1. GL Commissions 15% paid directly to agent; WC Commissions 7% paid directly to agent.
      2. Leading Edge Online Rater & Portal:  Quote Multiple Carriers, Bind, eSignature, and Print in minutes.
      3. Branding for Agents
    5. LEARN MORE
  6. NEW:  ATTUNE BOP & WC (EXPRESS)   Admitted BOP with Coastal Property & WC 
    1. Learn More      UW Guide
    2. Get Started VIDEO    Get Appointed
  7. NEW:  Visit  the NEW EXPRESS MARKETS Website To Learn More About Smart Choice Express Markets! 
  8. IMPORTANT E&S TRAINING–READ BEFORE BINDING COVERAGE with an EXPRESS MARKET CARRIER!
  9. NEW:  CannGen Insurance Services–Coverages include; WC Transportation MTC Property Crop GL Excess   www.canngeins.com
    1. CannGen Program Highlights   CannGen Agent Quick Start Guide 
    2. Get CannGen Appointment Forms
  10. NEW:  NBIC — GREAT Coastal Property Coverage — Narragansett Bay Insurance    LEARN MORE   Get Appointed
  11. NEW:  AEGIS — Mobile and Manufactured Homes    Learn More   Get Appointed
  12. NEW: American Modern  (EXPRESS   Mobile, Manufactured, Dwelling, Condo, Motorcyle, ATV, Boat, Classic Cars & more!  Pays agents directly) 

    Appointment LINK   Click HERE for American Modern Appt. Link  Webinar training schedule   Click HERE for webinar registration 

    Learn More: American Modern Home Products   About American Modern – Learn More  American Modern All Products

 

BREAKING NEWS SMART CHOICE LIFE

  1. NEW:   Back9, Smart Choice, and Ezlynx Partner to offer Full Life Marketing & Management–Quote Life on every P&C offer–new & renewal automatically.  
    1. Learn More   Video of Quote Process    Back9 Fact Sheet 
    2. Contact Jake Hering, Back9 Senior Director – White Glove Services Team:    Phone: 866-693-4546    Email: jake@broadstonebenefits.com
  2. NEW:   Rohrer & Associates available for Life, Health, Financial Products and Services:  Get Appointed & INFO   
    1.   Learn More about Rohrer & Associates Resources, Products, and Extraordinary Services   
    2. Smartphone Life Insurance APP Available Now! Clients Can Quote & Bind from their Smartphone in less than 10 minutes!  Learn MoreGet APP & INFO
      1. Check Out The New TERM LIFE Phone APP
    3.   WHY ROHRER & ASSOCIATES?  Your Full Service Financial Brokerage.
  3. NEW:   Smart Start Life–The system is live; Give it a try!  Log into your  Business Center and Click on Smart Start Life.
  4. NEW:   Smart Choice Quick Life is powered by InsureNOW Direct, Lincoln Financial, & AgentLink.
    1.   Watch the Quick Life Video Demo 
    2.   Download the Quick Life Info Sheet

 

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Smart Choice® Programs

Six Programs with Market Access and Support

 

Smart Choice offers Five Programs for agents to access P&C carriers:  (1) Smart Start Personal Lines Program, (2) Smart Start Commercial Lines Program, (3) Smart Start Commercial Specialty Program, (4) Express Markets, and (5) Sub-Code Direct Appointments.  Smart Choice also offers a complete Life and Financial Services Program through partnerships with Rohrer & Associates, InsureNOW Direct, Lincoln Financial, & AgentLink.

 

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).  NOTE:  For Faster “FAST LANE” Service send request for bind by email to smartstartpl@smartchoiceagents.com.   Include Insured Name, Quote Number, and ALL Instructions for BIND.

Features include:

  • Instant Access to 12 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
  • NEW:  “Fast Lane” now available–Quote to Bind coverage FASTER when needed!!  Request Access!
  • Pathway to Smart Choice Sub-Code Direct Appointments
  • Virginia Carriers: 
    • Allstate
    • Bristol West
    • Chubb
    • Encompass
    • Foremost Specialty
    • Grange
    • Kemper
    • Mercury
    • MetLife Auto & Home
    • National General (Auto only)
    • Safeco
    • Travelers
  • Washington DC Carriers:
    • Encompass
    • Travelers

Smart Start Personal Lines User Training and Resources

 

 

 

Smart Choice® Smart Start Personal Lines Program | Call Roger Gill for More Info | (804) 731-3050

 

Smart Start Personal Lines Training and Resources

  1. REQUIRED Smart Start PL Live Training Webinar REGISTRATION SIGN UP 
  2. NEW: SMART START PL UPDATE:  Agents can now SERVICE CLIENTS DIRECTLY!  
    1. Effective January 18, 2021, Agents will have the ability to call Smart Start Personal Lines carrier partners directly to service client policies.  Access Carrier Contact Info and Carrier Codes.  Simply call the carrier and provide the unique code to authenticate yourself. Please note that this code only gives you access to service policies, not to write new business. You may also email the carriers to service your customers’ policies. Of course, we are always here to assist, but we are excited with this operational change and hope you will find it beneficial to your agency’s success.*Please Note: Allstate and Travelers follow a different workflow: Allstate flows through the Smart Start Personal Lines team and Travelers requires the client to call. You may be on the line; however, the client will need to lead the call. We cannot provide our agent code for Travelers at this time, but you also may email them directly with servicing needs.
  3. NEW:  Smart Start PL Recorded Webinar Training  
  4. “Fast Lane” now available–Quote to Bind coverage in minutes when needed!!  FAST LANE INFO!
    1. NOTE:  For Faster FAST LANE Service send request for bind by email to smartstartpl@smartchoiceagents.com 
  5. NEW:  Smart Start PL Training
  6. NEW:  Smart Start Personal Lines Resources  (Carrier Guides, AOR Forms, Applications, Underwriting Guide & More)
  7. NEW:  Smart Start PL Quick Reference Guide
  8. NEW:  Smart Start PL FAQs –  All of Your Questions Answered–Well Almost!
  9. Welcome to Smart Start Personal Lines Email REQUIRED Smart Start PL Live Training Webinar REGISTRATION SIGN UP 
  10. “Fast Lane” now available–Quote to Bind coverage in minutes when needed!!  FAST LANE INFO!
    1. NOTE:  For Faster FAST LANE Service send request for bind by email to smartstartpl@smartchoiceagents.com 
  11. SSPL Carrier Service Centers Contact Info  (Phone Numbers, Emails, Hours of Operation)
                NOTE: Client MUST BE On Phone Call to give permission for Agent to assist with service.  
  12. NEW:  Ezlynx Rater 101 Training Video for Smart Start PL 
  13. NEW:  Ezlynx Management System 101 Basic Training Video

 

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 8 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 an Online Form on the Smart Choice Agents Business Center Portal
  • Pathway to Smart Choice Sub-Code Direct Appointments
  • SMART START CL VIRGINIA CARRIERS:  
    • Nationwide
    • Chubb
    • CNA
    • Dovetail – MetLife Small Business
    • Guard
    • Liberty Mutual
    • Tapco
    • The Hartford
    • Travelers
  • SMART START CL WASHINGTON DC CARRIERS:
    •  Tapco
    • Travelers

 

Smart Start Commercial Lines User Training and Resources

 

 

Smart Choice® Smart Start Commercial Lines Program | Call Roger Gill for More Info | (804) 731-3050

 

Smart Start Commercial Lines Training and Resources

  1. Smart Start Commercial Lines User Guide
  2. NEW:  NATIONWIDE INSURANCE is AVAILABLE  in SSCL effective 02/08/2021!   
    1. SSCL Carrier Service Center Contact Guide
    2. Download Nationwide AOR Form
  3. NEW:  Smart Start CL Training (Must be Logged in to Agency Business Center
  4. NEW:  Smart Start CL Resources  (Carrier Contact Info, Carrier Guides, Accord Forms, AOR Forms, Apps, & More)
  5. NEW:   Smart Start CL Quote Submission Guide
  6. NEW:  Middle Market Available with State Auto via Smart Start Commercial.  Only for Premiums over $50K, send the following to Roger Gill:
    1. Copy of Current Policy or Current Carrier and Target Premium
    2. Full Completed ACORD Apps
    3. 3-5 Years of Loss Runs
    4. Needs to be over $50K in premium
    5. Needs to be 60 days out or further
      State Auto Middle Market Appetite        State Auto Middle Market Recent Wins
  7. NEW:   Chubb now available in the Smart Start Commercial Program (ALSO CYBER SECURITY SOLUTIONS)
  8. NEW:   GuideOne Commercial Package Policy for Churches via Smart Start Commercial.  Learn More  Get Started
  9. NEW:   Chubb Dentist Insurance with Malpractice NOW AVAILABLE via Smart Start Commercial  Get Started
  10. NEW:    GuideOne Non Profit:  We can now write Non-Profits and larger Church Business through Joey Duggins out of the home office with Guide One.
    1. Please see marketing materials and applications needed for Non-Profits below.  Guide One Non Profit Supplement Application Guide One Fillable Non Profit Application
      Guide One Non Profit Agent Training
      Guide One FaithGuard Church App Supplement 
    2. Guide One would like coverage lines equal $10,000+ in premium and a good loss history.

 

III.  SMART START COMMERCIAL SPECIALTY 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.

Agents can send Apps and loss runs to Joey Duggins in our Smart Start Department:  888-264-3388   x3085 | jduggins@smartchoiceagents.com

 

IV.  SMART CHOICE 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
  • Top-Tier Base and Contingency Bonuses for Many Carriers
  • Potential to Earn Top Tier Commission Bonuses & Contingency Sharing
  • Only Sub-Code Appointments Count Towards the CAP
  • Book Rolls with Top Tier Bonuses
  • Aggregation Opportunities to Enhance Total Commissions
  • Pathway to Leadership Agency with Enhanced Earnings & Benefits
  • See All Carriers

Smart Choice Agents Program — Sub-Code Direct Appointments

Smart Choice® Agents Sub-Code Appointment Program | Call Roger Gill for More Info | (804) 731-3050

 

Smart Choice Agents Program Sub-Code Direct Appointments 

  1. Quick View of 2021 Agent Program Carrier Commissions & Incentives
  2. NEW:  MMG  (Commercial Lines Direct) NEW! Comprehensive Commercial Carrier — Competitive with Erie and Auto Owners. Contact Roger Gill or Daniel Brown to Request Appointment.
  3. NEW:   Cover Whale Trucking Insurance Now Available!   Learn More   Quote Guide   Get Appointed
  4. NEW:  2021 FAST START BONUS:  FOR  2021 Smart Choice® Agents or Agents with newly appointed  Participating Carriers in 2021:
    1. Will Earn 50% of  any bonuses or contingencies that Smart Choice receives based on the following eligibility:
    2. Agency writes a minimum of $50,000 in premium with the Carrier in 2021
    3. The Agency Loss Ratio for the Carrier must be less than 75%
    4. The State must qualify for the Carrier Bonus.    Learn More
  5. NEW:  Mercury Insurance Advantage Update—Many New Discounts — 07082020
  6. NEW:   Travelers Advance Quote Discount Began February 16, 2020
    1. On February 16, 2020 we’re increasing the Early Quote Discount on Quantum Auto 2.0 policies in Virginia.
    2. Maximum Early Quote Discount will increase from 10% to 15% for account rounded business and 5% to 10% for monoline business.
    3. Discount applies if the quote is completed at least 15 days before the policy effective date.
  7. NEW:  Nationwide Insurance PL & CL Appointments Available in Virginia NOW!  New 2020 Production BONUS!
    1. PL & CL each have a $50,000 NB DWP Annual Commitment; PL & CL 2021 NB Commission `17%; Renewals 12%
    2. Nationwide Contingency Bonuses: Up to 3% for PL and up to 8.5% for CL.  More details coming soon!
    3.  Learn About Getting an Appointment with Nationwide 
  8. NEW:  Safeco is offering full and partial Book Roll incentives!  Up To 15% Paid To Agent–NO SPLIT!
    1. Safeco is offering 8-13% Bonuses for Progressive Partial Book Rolls
  9. NEW:  Liberty Mutual Surety is Available in Virginia!   Learn More and Get Appointed
  10. NEW:  Liberty Mutual Incentive Bonuses: 
  11.  3% Bonus on new business until the end of the year!!!
  12.  2nd Quarter 7% New Business Bonus written via eCLIQ
  13.   Instant Incentives: Up to $50 paid for each quote submitted & written via eCLIQ – Ongoing – Double Spins for 3Q Farm Policies.
  14. NEW:  Liberty Mutual Helps your WC clients navigate challenging times with Your Way Pay™  
  15. Liberty Mutual Insurance’s convenient pay-as-you-go billing option for workers compensation policies issued in eCLIQ®
  16. New sell sheet for you to share with prospects and clients
  17. New policy stuffer for all eCLIQ WC renewal policies, directing policyholders to contact you if they’d like to switch their billing method to Your Way Pay
  18. Enhanced Your Way Pay consumer website outlining features and benefits
  19. Additional resources to help you explain the benefits of Your Way Pay and get your clients set up
  20. NEW:  Click for Liberty Mutual Commercial Training  Recorded Webinars, Live Webinars, and Written Content!
  21. NEW:   HISCOX GL & PL.  Fifteen (15%) Commission! NO Split.   Quote and Bind HISCOX     NOTE:  Download HISCOX–Smart Choice BOR Process and BOR Form Template
  22. NEW:  Foremost has developed special product training for our Smart Choice Agents.  VIEW & Download Access Info
  23.    Go to the Foremost Education section of  ForemostSTAR.com and IAProducers.com.   
  24. NEW:  GuideOne Available for Commercial Producers!   GET APPOINTED  LEARN MORE  GuideOne Training Video
  25. NEW:  State Auto has reduced preferred auto rates in Virginia an average of 14% beginning January 15, 2020.

AGENTS PROGRAM CARRIER 2021 BONUSES

  1.  2021 CARRIER COMMISSIONS & INCENTIVES AS OF JANUARY 12, 2021
  2. NEW:  2021 FAST START BONUS:  FOR NEW 2021 Smart Choice® Agents or Agents with newly appointed  Participating Carriers in 2021:
    1. Will Earn 50% of in any bonuses or contingencies that Smart Choice receives based on the following eligibility:
      1. Agency writes a minimum of $50,000 in premium with the Carrier in 2021
      2. The Agency Loss Ratio for the Carrier must be less than 75%
      3. The State must qualify for the Carrier Bonus.    Learn More
  3. NEW:  Nationwide Exclusive SC Bonuses:
    1. NW Personal Lines: 2% on all New Business written Jan 1 – Dec 31, 2021.  Paid at year-end. Renewals 12%
    2. Commercial Lines:  3% on all New Business written Jan 1 – Dec 31, 2021.  Paid at year-end.
  4.  MORE BONUS and Profit Sharing Info Coming Soon.

V.  SMART CHOICE EXPRESS MARKETS 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.    Get Appointment — Scroll down to the Express Market Section (Green Font Color) and click on the GET APPOINTED links—then  follow the instructions—some Express Market Partners have an online appointment process—other have forms that you will need to download, complete, and return directly to the carrier. Just Follow the Instructions.   IMPORTANT E&S TRAINING: READ BEFORE BINDING COVERAGE with an EXPRESS MARKET CARRIER!

  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
  • See All Carriers

Express Markets Training and Resources

  1. New:  Lemonade Homeowners Insurance now available.    Learn More     Get Appointed
  2. NEW:  GAINSCO Non Standard Auto  Competitive Minimum Limits NS Auto with Int License. Smart Agents earn 12%.  Carrier Spotlight Video  Learn More   Get Appointed
  3. NEW:  Burns & Wilcox will write your TRANSPORTATION RISK!  Burns and Wilcox Transportation Solutions
    1. Trucking
    2. Public for Hire
    3. Garage
    4. Dealerships & More.   Burns and Wilcox Transportation Solutions
  4. NEW:  INFORMATION SECURITY PROGRAM “TOTAL SOLUTION” Now AVAILABLE from Burns & Wilcox.
    1. GET APPLICATION:  Download the Burns & Wilcox NODE Information Security Program Application (No Underwriting & Heavily Discounted).
    2. Learn More about the NEW Virginia Information Security Law and Required Compliance (Effective July 1, 2020).
    3. Learn More about the Burns & Wilcox NODE Information Security Program
      1. GET APPOINTED with Burns & Wilcox and Earn Commissions on sales of this and other products!   Get Appointed  
      2. Get Your Burns & Wilcox Free Agency Branded Sales Materials  Burns & Wilcox Commercial Solutions     Burns & Wilcox Client Services & 2019 INFO
  5. NEW:  Orchid Coastal Property   Learn More   Get Appointed   Training  Please Notify Roger Gill or Daniel Brown after completing appointment process.
    1. Agent receives 100% commission and is paid directly by Orchid.
    2. Orchid offers some of the best and most comprehensive coverages for  Coastal Property.
    3. Online and Quick Quoting options for Agents.
      1. All of Orchid’s solutions are with A- or better A.M. Best rated companies
      2. Qualifying Minimum Coverage A amounts vary by state
      3. Multiple policy forms, including HO3, HO5, HO6, DP3, and Builder’s Risk
      4. Multi-peril, Excluding Wind, Wind-only, Excess Flood, Inland Marine
      5. Orchid has over 11 unique carrier relationships (several are proprietary)
      6. Everything is handled electronically and paperless via Orchid’s online system. If you need assistance or a demo, we can help facilitate that.
      7. Experienced underwriters can assist with any risk
      8. Turnaround time on most quotes is 24 hours or less. Several states offer real-time rating.
  6. NEW:  SIS Brokerage—(EXPRESS)  General Liability, Builders Risks, Inland Marine & Workers Comp   LEARN MORE  GET APPOINTED
    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
      1. GL Commissions 15% paid directly to agent; WC Commissions 7% paid directly to agent.
      2. Leading Edge Online Rater & Portal:  Quote Multiple Carriers, Bind, eSignature, and Print in minutes.
      3. Branding for Agents
  7. NEW:  Visit  the NEW EXPRESS MARKETS Website To Learn More About Smart Choice Express Markets! 
  8. IMPORTANT E&S TRAINING–READ BEFORE BINDING COVERAGE with an EXPRESS MARKET CARRIER!
  9. NEW:  INFORMATION SECURITY PROGRAM “TOTAL SOLUTION” Now AVAILABLE from Burns & Wilcox.
    1. GET APPLICATION:  Download the Burns & Wilcox NODE Information Security Program Application (No Underwriting & Heavily Discounted).
    2. Learn More about the NEW Virginia Information Security Law and Required Compliance (Effective July 1, 2020).
    3. Learn More about the Burns & Wilcox NODE Information Security Program
      1. GET APPOINTED with Burns & Wilcox and Earn Commissions on sales of this and other products!   Get Appointed  
      2. Get Your Burns & Wilcox Free Agency Branded Sales Materials  Burns & Wilcox Commercial Solutions     Burns & Wilcox Client Services & 2019 INFO
  10. NEW:  Hagerty Contest June 1 — September 30  Win $$$   Get The Details
  11. NEW:  CannGen Insurance Services–Coverages include; WC Transportation MTC Property Crop GL Excess   www.canngeins.com
    1. CannGen Program Highlights   CannGen Agent Quick Start Guide 
    2. Get CannGen Appointment Forms
  12. NEW:  NBIC — GREAT Coastal Property Coverage — Narragansett Bay Insurance    LEARN MORE   Get Appointed
  13. NEW:  AEGIS — Mobile and Manufactured Homes    Learn More   Get Appointed
  14. NEW: American Modern  (EXPRESS   Mobile, Manufactured, Dwelling, Condo, Motorcyle, ATV, Boat, Classic Cars & more!  Pays agents directly) 

    Appointment LINK   Click HERE for American Modern Appt. Link  Webinar training schedule   Click HERE for webinar registration 

    Learn More: American Modern Home Products   About American Modern – Learn More  American Modern All Products

  15. BTIS VICTORY GL is BACK!  (EXPRESS MARKET)  Admitted GL–Startups Welcomed!  Learn More   Get Appointed
  16. ATTUNE BOP & WC  NEW:  (EXPRESS)  Admitted BOP with Coastal Property & WC Learn More  UW Guide  Get Started VIDEO  Get Appointed
  17. Sports Underwriters (EXPRESS MARKET) Sports Insurance Programs–Online Portal Learn More   Get Appointed
  18. MUST HAVE Express Markets, Carriers, and CE Authority Discount AVAILABLE to ALL Virginia Agents!
    1.    VISIT  CARRIER APPOINTMENTS AVAILABLE to ALL VIRGINIA SMART CHOICE AGENTS and expand your markets and resources!
    2.    Almost Instant Access, No Commitments, 100% Commissions Paid Directly to Agents
  19. Visit  the NEW EXPRESS MARKETS Website To Learn More About Smart Choice Express Markets!   National General Insurance is NOW AVAILABLE!   Learn More   Get Appointed
  20. NEW:  2019 Dairyland Auto & Motorcycle––Now Available in Ezlynx Rater—NO SPLIT with Smart Choice!  
  21. Arrowhead   NO LONGER AVAILABLE as of 03-24-2021 
  22. Tokio Marine (EXPRESS MARKET) CL  Artisan Contractors–Easy-to-Use Online System. Get Appointed
  23. RMS Group  (EXPRESS MARKET)  Coverage for Night Clubs, Restaurants, & Franchise Food.  Get Appointed & INFO 
  24. Mexico Insurance On-Line.  (EXPRESS MARKET)  Provides liability and property coverages to visitors of Mexico.
    1. Learn More
    2. Get Appointed
  25. 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 
    2.   Get Appointed:   Download CRC Appointment Forms
  26. Wright Flood (EXPRESS MARKET)  NFIP and private market flood insurance. Learn More   Watch Video About Portal   Get Appointed 

 

VI.  SMART CHOICE LIFE & FINANCIAL  allows agents instant access to a user-friendly, online rating platform that makes it easy to provide Individual and Group Benefits and Life, LTC, DI and Annuities.. We offer a complete service which can handle all of the paperwork and para-med scheduling for you.  Smart Choice also offers easy-to-use products through Smart Choice Quick Life powered by Rohrer & Associates, InsureNOW Direct, Lincoln Financial, & AgentLink. We also offer hands on assistance and training from our dedicated Life Insurance representative Choco Harwell–CALL  (336) 217-4650 x 3013   Watch the Quick Life Video Demo  Download the Quick Life Info Sheet.  Smart Choice Life & Financial Features Include:   

NEW Smart Start Life Program

If you are life-licensed, busy selling P&C, and would like to have an experienced life specialist handle your clients’ life insurance needs, this program is for you!    The system is live so go ahead and give it a try!  Log into your Smart Choice Business Center and Click on Smart Start Life.  It takes only a few minutes to provide the quote referral.

 

How Does Smart Start Life  Work?

Smart Choice® Smart Start Life Program | Call Roger Gill for More Info | (804) 731-3050

 

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Smart Choice Vendor Products & Discounts

 

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

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   $29.95 a year – 200 Insurance Course Library – Complete CE Requirements Online!  Sign up now!   Recommended CL & PL Educational Courses

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.

EVERQUOTE LEADS   NEW 2019: Insurance LEADS Now Available with Discounted Rate:  Learn More About EVERQUOTE PRO LEADS 

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 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.

 

NEED HELP?   Smart Choice Help and Support Contact Information

 

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Become a Smart Choice Leadership Agency

 

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:

  • 100% Commissions–Mostly at TOP TIER
  • 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
  • Exclusive Smart Choice Gify Box

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

 

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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 – 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 Resources!

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

 

Our Agent Partners Earn Higher Net Commissions and

Have Lower Production Commitments!

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).  It is important to understand that with the large national production volume of over 6400 agents, our Smart Choice Carrier and Wholesale partners generally pay TOP TIER commissions.  The result is more net commissions to Smart Choice 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.  Smart Choice does not own an equity position in your agency—you own 100% of the agency and book.

 

For details about any of the above summary reasons why I believe Smart Choice is also the BEST CHOICE for Independent Agents–CONTACT Roger Gill 804-731-3050

 

VISIT THE SMART CHOICE VIRGINIA MODEL AGENCY

 

Check Out A Smart Choice Virginia Model Agency! "Smart Choice is The Independent Agency Partner!" Call (804) 731-3050

 

 

COMMERCIAL LINES SUB-CODE 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.  Contact Roger Gill or Daniel Brown to Request Appointment Information.   NOTE: Click the Carrier Name Link for Additional info.

 

Berkshire Hathaway Guard    (Commercial Lines Direct—NOW offering Mono Line HomeOwners and TOWING Coverage!) 

Cover Whale Trucking Insurance Now Available!  NEW  Learn More   Quote Guide  Welcome Pak  Get Appointed

CNA  (Commercial Lines – Smart Start Commercial and Direct)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

Donegal  (Commercial Lines Direct)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

Grange  (Commercial Lines Direct)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

Guide One (Commercial Lines Direct)  NEW!   GET APPOINTED  LEARN MORE  GuideOne Training Video

Liberty Mutual  (Commercial Lines Smart Start Commercial and Direct)  Liberty Mutual Commercial Training 

Liberty Mutual Inland Marine  (In Package or Stand Alone — Call Nancy Wilson 804-420-3765 or Holly Scholz 513-603-7231)

Liberty Mutual Surety  (Surety Portal Loaded with Tools & Resources to Quote & Bind Bonds)   Learn More and Get Appointed

Main Street   (Commercial Lines Direct)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

MMG  (Commercial Lines Direct) NEW! Comprehensive Commercial Carrier — Competitive with Erie and Auto Owners. Contact Roger Gill or Daniel Brown to Request Appointment.

Nationwide / Allied  (Commercial Lines Direct — VA and DC)   Learn About Getting an Appointment with Nationwide   Nationwide Insurance Resources

State Auto   (Farms–BOPs, BA, WC, & UM)  Get Appointed   NEW: Middle Market Available via Smart Start:  See SSCL Above.   

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

Travelers  (Commercial Lines – Smart Start Commercial and Direct — VA and DC)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

Utica  (Coming Soon!)

 

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 DIRECT APPOINTMENTS

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.  TO learn more:   Download Smart Choice EXPRESS MARKETS INFO.  IMPORTANT E&S TRAINING: READ BEFORE BINDING COVERAGE with an EXPRESS MARKET CARRIERS!  NOTE:  All Smart Choice Agents should get appointments with the Yellow Highlighted Express Market Partners.  Others as needed.

 

Aegis NEW:  (EXPRESS   Mobile and Manufactured Homes–pays agents directly)  Learn More   Get Appointed

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

Appointment LINK   Click HERE for American Modern Appt. Link  Webinar training schedule   Click HERE for webinar registration 

Learn More:  American Modern Home Products   About American Modern – Learn More  American Modern All Products

Attune  NEW:  BOP & WC (EXPRESS)  Admitted BOP with Coastal Property & WC Learn More  UW Guide Get Started VIDEO  Get Appointed

  1. $300 First Sale Incentive  Until EOY 2020.

Arrowhead  NO LONGER AVAILABLE as of 03-24-2021  (EXPRESS    Coastal Mono Line Homeowners–pays agents directly)

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

BTIS  (EXPRESS Commercial Lines GL & WC — Artisan Contractors–Startups!  Pays agents directly) Get Appointed

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

  1. NEW:  Burns & Wilcox will write your TRANSPORTATION RISK!  Burns and Wilcox Transportation Solutions
    1. Trucking
    2. Public for Hire
    3. Garage
    4. Dealerships & More.   Burns and Wilcox Transportation Solutions
  2. NEW:  Burns & Wilcox will write your TRANSPORTATION RISK!  Burns and Wilcox Transportation Team  
  3. NEW:  INFORMATION SECURITY PROGRAM “TOTAL SOLUTION” Now AVAILABLE from Burns & Wilcox.
    1. GET APPLICATION:  Download the Burns & Wilcox NODE Information Security Program Application (No Underwriting & Heavily Discounted).
    2. Burns & Wilcox Appointment Process for Agents purchasing the Node Information Security Program
    3. Learn More about the NEW Virginia Information Security Law and Required Compliance (Effective July 1, 2020).
    4. Learn More about the Burns & Wilcox NODE Information Security Program
    5. NOTE: GET APPOINTED with Burns & Wilcox and Earn Commissions on sales of this and other products! 
  4. Get Your Burns & Wilcox Free Agency Branded Sales Materials
  5. Burns & Wilcox Commercial Solutions     Burns & Wilcox Client Services & 2019 INFO

CannGenn Insurance Services (EXPRESS NEW:  CannGen Insurance Services–Coverages include; WC Transportation MTC Property Crop GL Excess)

  1.  CannGen Program Highlights  CannGen Agent Quick Start Guide   www.canngeins.com  
  2.  Get CannGen Appointment Forms

CRC   (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly) Learn More   Appointment INFO  CRC Programs  Get Appointed

Five Star (EXPRESS  Owned by CRC–Transportation & MORE–Trucking, Limos, & Taxis)  Access via CRC APPT  Learn More

Negley Associates (EXPRESS  Owned by CRC–Behavioral Healthcare & Social Services)  Access via CRC APPT  Learn More

Pro-Praxis (EXPRESS  Owned by CRC–Unique Healthcare Risk)  Access via CRC APPT  Learn More

SHU Hospitality  (EXPRESS  Owned by CRC–Hotels — Hospitality Risk)  Access via CRC APPT  Learn More

Target PL (EXPRESS  Owned by CRC–Professional & Management Liability Risk)  Access via CRC APPT  Learn More

Hunter PL (EXPRESS  Owned by CRC–Professional Liability Risk)  Access via CRC APPT  Learn More

JH Blades  (EXPRESS  Owned by CRC–ENERGY SECTOR RISK)  Access via CRC APPT  Learn More

InsureRisk  (EXPRESS  Owned by CRC–Tech E&O, Contractors, Investment Advisors,  & Many Other RISKS)  Access via CRC APPT  Learn More

Dairyland  (EXPRESS Standard Motorcycle and Non Standard Auto)  Get Appointed

DoveTail   (EXPRESS Commercial Lines–Smart Start Commercial and Direct–pays agent 100% via Smart Choice)  Get Appointed

GAINSCO  NEW  Non Standard Auto  Competitive Minimum Limits NS Auto with Int License. Smart Agents earn 12%.  Carrier Spotlight Video  Learn More   Get Appointed

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

HISCOX  (EXPRESS  Commercial Lines GL & PL; 15% Commission; No Split)    Quote and Bind HISCOX  NOTE:  Download HISCOX–BOR Process and Form Template

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

Lemonade Homeowners Insurance NEW available 06-2021.  (EXPRESS  Standard PL Property)     Learn More     Get Appointed

NBIC   Narragansett Bay Insurance (EXPRESS: GREAT Coastal Property Coverage)     LEARN MORE   Get Appointed

National General Insurance (EXPRESS  PL & CL Auto, RVs & Toys)  Learn More  Comms Schedule  Get Appointed

RMS   (EXPRESS    Hospitality Industry – Night Clubs to Franchise Fast Food — pays agents directly)  Learn More  Get Appointed

RPS  (EXPRESS  Broad Risk Brokerage–E&S and Standard Markets–pays agents directly)  Get Appointed with Online Registration

SES  (EXPRESS    Habitational Landlord Risks with no limit on properties!–pays agents directly) Learn More   Get Appointed 

  1.  How to Grow Your Landlord Tenant Risk Business — Download the SES Guide:   SES Landlord PLAYBOOK
  2.  Get Your Co-Branded Brochures with Your Agency Logo & Phone Number:  SES Customized Co-Branded Brochure
  3. SES Client Application 

SIS Brokerage—(NEW EXPRESS)  General Liability, Builders Risks, Inland Marine & Workers Comp   LEARN MORE  GET APPOINTED

Sports Underwriters (EXPRESS MARKET Sports Insurance Programs–Online Portal)  Learn More   Get Appointed

TAPCO Brokerage   (EXPRESS    Broad Risk Brokerage–pays agents directly)  Get Appointed  Learn More  

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

USLI  (EXPRESS   Commercial Lines–Available via Tapco Direct–pays agents directly)  Learn More  Call To Get Appointed

Wright Flood  (EXPRESS MARKET) NFIP and private market flood insurance. Learn More  Watch Video About Portal  Get Appointed 

 

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PERSONAL LINES SUB-CODE DIRECT APPOINTMENTS

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.

 

Aegis NEW:  (EXPRESS   Mobile and Manufactured Homes–pays agents directly)  Learn More   Get Appointed

Allied (Nationwide)   (Personal Lines — VA and DC)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

Allstate (NEW Smart Start and Personal Lines Direct  — VA and DC–Available NOW!) Contact Roger Gill or Daniel Brown to Request Appointment Information.

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

Appointment LINK   Click HERE for American Modern Appt. Link  Webinar training schedule   Click HERE for webinar registration 

Learn More:  American Modern Home Products   About American Modern – Learn More  American Modern All Products

ArrowHead   (EXPRESS Personal Lines Mono Homeowners– pays agents directly) Contact Roger Gill or Daniel Brown to Request Appointment Information.

Augusta Mutual  (Personal Lines Homeowners- PC 9&10s Welcomed!) Contact Roger Gill or Daniel Brown to Request Appointment Information.

AVIA Life  (Online Direct Purchase Client Portal Term Life) Contact Roger Gill or Daniel Brown to Request Appointment Information.

BH Guard (Personal Lines Monoline Homeowners) Contact Roger Gill or Daniel Brown to Request Appointment Information.

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

Dairyland  (EXPRESS Standard Motorcycle and Non Standard Auto)  Get Appointed

Donegal  (Commercial Lines Only)  

Encompass  (Smart Start and Personal Lines Direct  — VA and DC)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

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

Grange   (PL Smart Start, PL & CL Direct, & Life) Contact Roger Gill or Daniel Brown to Request Appointment Information.

Hagerty  (EXPRESS    Personal Lines Classic & Antique Auto—pays agents directly)

Kelly Klee   (PL Smart Start & PL Direct) High Value Homes (+$1m) and High Net Worth Clients written with AIG / CHUBB Contact Roger Gill or Daniel Brown to Request Appointment Information. SSPL  Click Here to Quote Now!

Kemper   (Personal Lines Smart Start and Direct)  Get Appointed

Lincoln Financial  (Life and Annuities)  

Main Street   (Personal & Commercial Lines Direct)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

Mercury  (Personal Lines Smart Start and Direct)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

MetLife  Auto & Home  ( Personal Lines Smart Start, Direct and Flood)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

NBIC   Narragansett Bay Insurance NEW (EXPRESS: GREAT Coastal Property Coverage)     LEARN MORE   Get Appointed

Nationwide  (Personal & Commercial Lines Direct — VA and DC)   Learn About Getting an Appointment with Nationwide    Nationwide Insurance Resources

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 — VA and DC)  Contact Roger Gill or Daniel Brown to Request Appointment Information. Apply for Lexis Nexis JNode (DO NOT apply for JNode until AFTER speaking with Roger or Daniel)

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

Safeco  (Personal Lines Smart Start — Direct)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

State Auto  (Personal and Commercial Lines and Farms Direct)  Contact Roger Gill or Daniel Brown to Request Appointment Information.

Stillwater  (Personal  Lines Smart Start — Personal and Commercial Lines Direct)    Contact Roger Gill or Daniel Brown to Request Appointment Information.

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 CHOICE STATE DIRECTOR

​

About Your Smart Choice Agents Program State Director Roger Gill ​

  • ​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 | Smart Choice® State Director of Virginia | (804) 731-3050

 

Roger L. Gill
___________________________

 

Smart Choice® Virginia State Director

C: 804-731-3050

rgill@smartchoiceagents.com

​https://www.linkedin.com/in/rogerlgill

www.smartchoiceagents.com
https://smartchoicevirginia.com
facebook.com/SmartChoiceVirginia

 

 

 

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