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How to Contract With Insurance Companies

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If you are an independent insurance producer, the ability to offer policies and products from multiple insurance carriers is one of the aspects of your independence that can help you attract and retain more clients than those agents who are captive producers. Getting contracted and appointed with multiple carriers is an easy process, and is the first step to growing your business. The New York Insurance Department explains that, “A certificate of appointment names a licensed insurance agent that an authorized insurer permits to ‘represent such insurer.’”

Decide which insurance companies you want to represent. Although there is no limit or restriction regarding what carriers you contract with, it is best to limit yourself to only those companies rated “A” or better by independent rating organizations such as Moody’s and Standard & Poor.

Contact those insurance companies whose products you wish to service and/or solicit and request their New Agent Contracting and Appointment kit. This package will contain all the information you need to understand a carrier’s products, services, processes and rules in order to represent them properly.

Complete the appointment paperwork and return it to the insurance company, along with a copy of your resident insurance producer’s license.


If you are affiliated with a general agency, contact your representative and ask for their assistance in getting appointed with multiple insurance carriers. The GA's function is to act as your liaison and work on your behalf with issues related to the insurance companies.


There are severe penalties that may be imposed if you are caught soliciting or attempting to service policies written by carriers with which you are not contracted.


About the Author

Gregory Gambone is senior vice president of a small New Jersey insurance brokerage. His expertise is insurance and employee benefits. He has been writing since 1997. Gambone released his first book, "Financial Planning Basics," in 2007 and continues to work on his next industry publication. He earned a Bachelor of Science in psychology from Fairleigh Dickinson University.

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