State-licensed independent brokerage,
per-state appointed.
Licensure is the floor. Appointment is the ceiling — a licensed brokerage still needs each carrier's written appointment to place business with them. We publish both.
Where we hold producer licenses.
License numbers are confirmed in each state's Department of Insurance public licensee lookup. Status below is operator-verified; specific license numbers are confirmed via the state portal at quote time and on the bind certificate.
State-specific broker-fee disclosures.
States marked above require a state-prescribed broker-fee disclosure form to be signed by the customer before bind. We deliver the form electronically as part of the intake-to-bind workflow; signed forms are retained per state record-retention rules.
California, Florida, New York, and Texas have the most-cited disclosure requirements. Other states have requirements that activate at specific fee thresholds. We surface the applicable form during intake based on the risk state of the operation.
Why we enforce A- as the floor.
A.M. Best is the dominant credit-rating agency for the insurance industry. The rating gates we hold:
- A++ / A+ / A / A- — clearable for bind without escalation
- B++ / B+ — operator escalation required; customer consent on file before bind
- Non-rated — never bound without explicit per-bind customer consent
Shipper contracts increasingly require A- minimum certificate-holder rating. Binding below A- without consent creates a contract-compliance gap that surfaces months later — typically when a shipper requests an updated COI and the carrier's rating fails the contractual minimum.
License is permission to sell — appointment is permission to place.
A state producer license authorizes us to act as a licensed brokerage in that state. It does NOT authorize us to place business with any specific carrier. That requires a separate, carrier-issued, written appointment.
For each of the 12 day-one carriers on our panel, we hold direct appointment wherever the carrier offers direct (vs. wholesale-only) appointment. Where a carrier is wholesale-only, we access through an aggregator or MGA and disclose that channel at quote time so the customer sees the path.
Operating in a state we don't show?
Tell us at intake — we'll evaluate licensure expansion or refer you to a brokerage that holds the appointment.