Smart Choice^® Virginia

 
Updated October 9, 2025

TABLE OF CONTENTS

AGENT BREAKING NEWS  CHECK & READ OFTEN!

AGENT HARD MARKET SOLUTIONS–CARRIER STATUS  “What’s Working Now”  Continuously Updated

Agent Onboarding and User Guide  

BECOME A PIA MEMBER  SMART CHOICE VIRGINIA PARTNERS WITH PIA – 50% Discount!

BECOME A LEADERSHIP AGENT—-EARN 100% Top Tier Commissions

Bonuses and Incentives 2025

CE REQUIREMENTS–Complete Online $29.95 with CE Authority
   Recommended CE Authority CL & PL Educational Courses

Contact Guide for Smart Choice Support

 eBilling  SMART CHOICE PAYMENT LINK    Pay Bills owed to Smart Choice–Commission Charge Backs and Ezlynx Rater Bills.  Click on Guest and enter agency code and zip code, system will provide total amount due.  Updates monthly on the 15th.    SET UP PROCESS  &  LEARN  MORE

Ezlynx Rater and AMS Information and Support

E&O  Update.  Send Current E&O Policy Certificate to:  E-O@SmartChoiceAgents.com 

GET APPOINTED WITH CARRIERS AND BROKERS 

LICENSE UPDATE LINK  –  Upload Your Updated Licenses to Smart Choice

NEW!  Trucking & Transportation NOW AVAILABLE in Smart Start CL!

SMART CHOICE PROGRAMS

     Smart Start Personal Lines
     Smart Start Commercial Lines
     Smart Choice Agents Program
     Smart Start Commercial Specialty Program
     Smart Start Commercial Specialty Trucking and Transportation  
     Smart Choice Express Markets 
     Smart Choice Life & Financial

SMART CHOICE VA CARRIER & BROKER PARTNERS APPOINTMENT INFO

      Express Market Carrier & Broker Partners Info & Appointments
      Personal Lines Carrier Info & Appointments 
      Commercial Lines Carrier Info & Appointments

SC 2025 Agency INFO UPDATE FORM  

VENDOR PRODUCTS – DISCOUNTS

   Forge Insurance Agency Website — Discounted 50% for SC Agents
   Ezlynx 
   CE Authority   
  Imperial PFS    The Only Premium Finance Solution Insurance Agents Need! 
  E&O Insurance from CalSurance or from Hiscox  —  Discounted for Smart Choice Agents!

Virginia Page on SmartChoiceAgents.com/Virginia Website

Virginia Smart Choice Support Team Information

Welcome to Smart Choice Video for New Appointed Agents

Learn About The Smart Choice Virginia Agents Program

The Smart Choice Agents Program  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.

NEED HELP?  SMART CHOICE SUPPORT CONTACT GUIDE

 AGENT USER GUIDE:   SMART CHOICE VIRGINIA AGENT PLAYBOOK

VISUAL OF SMART CHOICE VIRGINIA CARRIERS

Smart Choice^® Programs

Six Programs with Market Access and Support

Smart Choice offers Five P&C Programs for agents to access P&C carriers and ONE LIFE & Financial Program to access Life and Financial companies:  (1) Smart Start Personal Lines Program (SSPL), (2) Smart Start Commercial Lines Program (SSCL), (3) Smart Start Commercial Specialty Program, (4) Express Markets, and (5) Agents Program (Sub-Code Direct Appointments).  (6)  Smart Choice also offers a complete Life and Financial Services Program through partnerships with Rohrer & Associates, Crump Life Insurance Services, Kansas City Life, & Lincoln Financial.

I.  SSPL PROGRAM  The Smart Start Personal Lines Program allows agents instant access to 15 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 an Ezlynx Rater subscription (available at a discounted rate).  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.

NOTE: HARDMARKET UPDATE September 25, 2025.  APPOINTMENTS ARE COMING for many Carriers 3rd and 4th Q 2025.   UW RESTRICTIONS are being reduced; RATES coming down.  ACTIONS REMAIN FOR PREFERRED PL:  REQUIRE COMBO ONLY PACKAGES,  NO LAPSES, NO PRIOR MINIMUM LIMITS, and mostly CLEAN.

CURRENTLY, Safeco, AAA, and Elephant (Elephant–mono line Auto requires rater to write NB) remain open for new appointments;  Safeco, AAA, Elephant, Travelers are our core PL Standard Markets that are writing NB, although some UW Restrictions remain in place.

Non Standard PL Carriers  are mostly still open for business.  

Features include:

• Instant Access to 15 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
• Agents can Direct Service all Carriers except Travelers & Allstate
• “Fast Lane” Quote to Bind FASTER when needed!  SSPL FAST LANE INFO
• Pathway to Smart Choice Sub-Code Direct Appointments

Smart Start PL Virginia Carriers: 

• Bristol West
• Chubb
• Clearcover
• Dairyland
• ePremium
• Foremost Choice
• Foremost Signature (Formerly MetLife)
• Gainsco
• KleeCO
• Lemonade
• Nationwide
• National General Specialty  (Auto only)
• National General Custom 360 Preferred (Formerly Allstate)
• Openly 
• Progressive
• Safeco
• Steadily
• Trexis

Washington DC Carriers:

• Nationwide
• KleeCO

Smart Start Personal Lines User Training and Resources

Smart Start Personal Lines Training and Resources

NEW: SMART START PL UPDATE:  Agents can now SERVICE CLIENTS DIRECTLY! 

• 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.
  
• NOTE:  For Faster FAST LANE Service send request for bind by email to smartstartpl@smartchoiceagents.com 

Chubb    Chubb provides coverage for High Value Client Property and more.  Contact Amanda Preece for support.   Email: apreece@smartchoiceagents.com   Call: (888) 264-3388, ext 6100

NEW:  As of February 15, 2024,  KLeeCO Insurance will provide High Net Worth coverages.  The Smart Choice website SSPL Business Center has been updated along with the manual quote form. Learn More  Visit their website:  https://kleecoinsurance.com/

NEW:  Smart Start PL Training

NEW:  Smart Start Personal Lines Resources  (Carrier Guides, AOR Forms, Applications, Underwriting Guide & More)

NEW:  Smart Start PL Specialty Brokerage: High Net Worth Client Solutions.  March 10, 2025.   We are thrilled to announce a new offering at Smart Choice—Private Client Solutions. This premium service is specifically designed to meet the unique needs of your high-net-worth clients, providing customized protection for their most valuable assets. 

Carriers include Chubb, AIG, and the High Net Worth Divisions with Burns & Wilcox, CRC, and RPS.

To Get Started with the Private Client Solutions program contact Amanda Preece.

Amanda Preece
Private Client Risk Specialist | Smart Choice
(888) 264-3388, ext 3067    
apreece@smartchoiceagents.com

II.  SSCL PROGRAM  The 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.  Contact Smart Start Commercial at comm@smartchoiceagents.com or 888.264.3388 with any questions!

Features include:

• Instant Access to 20 Top-Rated Commercial Carriers
• No Appointment Needed with Carriers
• No premium volume requirements
• Write in all Carrier States with Only a Virginia Insurance License
• Receive Competitive Commissions (most companies pay 15-20% on new business)
• Dedicated Underwriter to Assist Agents with Writing Risk
• 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:  

• AmTrust
• Berkshire Hathaway Homestate (Trucking Only)
• Chubb
• CNA
• CoverWhale   (Trucking Only)
• Fairmatic  (Trucking Only)
• GEICO NEW! (On the Way–October-November Appointments Expected)
• Guard
• GuideOne
• Hanover
• Hospitality Insurance Group
• Indigo NEW!
• Liberty Mutual
• Liberty Mutual Surety
• Nationwide
• Progressive  
• Philadelphia NEW!
• Secura  NEW!
• Tapco
• The Hartford
• Travelers
• Victor

SSCL WASHINGTON DC CARRIERS:

• Nationwide
• Tapco
• Travelers

SSCL User Training and Resources

SSCL Training and Resources

1. Smart Start Commercial Lines User Guide

2. NEW:  Smart Start CL Training (Must be Logged in to Agency Business Center)

3. NEW:  Smart Start CL Resources  (Carrier Contact Info, Carrier Guides, Accord Forms, AOR Forms, Apps, & More)

4. NEW:   Smart Start CL Quote Submission Guide

5.  NEW:   Chubb now available in the Smart Start Commercial Program

6. NEW:   GuideOne Commercial Package Policy for Churches via Smart Start Commercial.  Learn More  Get Started

7. NEW:   Chubb Dentist Insurance with Malpractice NOW AVAILABLE via Smart Start Commercial  Get Started

8. NEW:  GuideOne Non Profit:  We can now write Non-Profits and larger Church Business through Celeste Murphy in SSCL with Guide One.  See SSCL Specialty Lines below.

• 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 
• Guide One would like coverage lines equal $10,000+ in premium and a good loss history.

III.  SSCL SPECIALTY LINES PROGRAM  allows agents instant access to specialty niche programs managed by Joey Duggins and Celeste Murphy 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%).  

• Transportation and Trucking  Cover Whale and  Fairmatic Transportation and Trucking are now available through Smart Start Commercial Specialty Brokerage in select states!  SSCL has a team of Trucking Underwriters to get trucking risks up and running.  LEARN MORE  in the Agent Business Center SSCL Trucking Resources Page.
  
  We are excited to announce that as of April 1, 2023, Smart Choice has partnered with Fairmatic; a company that focuses on transportation and trucking, specifically Non-Emergency Medical Transport, Cannabis Delivery, Amazon Last Mile accounts and Artisan Contractor Fleets.  All industry segments are 5 vehicle fleet and larger. Fairmatic has adjusted their appetite specifically for Smart Choice (they normally want 10 vehicles).  The Fairmatic addition continues to expand our SSCL Trucking division. This business will be written as Brokerage through our Trucking Team out of the Home Office and will transact similar to a Middle Market account. 
  
    Contact  trucking@smartchoiceagents.com for more info.    Learn More   Request A Quote via SSCL Portal  (Must be logged into the SC Agency Business Center.)
  
  
• AmTrust Non Profit & More  AmTrust offers coverage tailored to non-profit organizations of varying types and sizes including Children’s Day Care, Private Schools, Adult Day Care, Churches,  & Food Banks.   Call Joey Duggins for more info.
  
  
• Chubb Dentistry BOP Insurance for General Dentistry, Oral Surgeons, Orthodontists and Endodontists  Get Started

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

  • Need by Effective date
  • ACORD Applications and supplements
  • Loss Runs
  • Financial information 

• Farms and Agriculture    We are now writing Farm in Smart Start!  Below are the Farm appetites & Info for Liberty and Nationwide.  This program is managed by Celeste Murphy cmurphy@smartchoiceagents.com ,  (888) 264-3388, ext 4680.
• Liberty Mutual eCliq State Available for SSCL
• Liberty Mutual Farm Appetite for SSCL
• Nationwide Farm Application for Smart Start Commercial
• Nationwide Farm Appetite for Smart Start Commercial
  
  
• Churches and Non Profits   GuideOne Commercial Package Policy for Churches and Non Profits.  Supplementals will be required and available in the Smart Choice Agent Business Center on the Commercial Resources Page.   Learn More  Get Started    Please see marketing materials and applications needed for Non-Profits below. 
• Habitational  –  Honeycomb   
  
  Guide One Non Profit Supplement Application Guide One Fillable Non Profit Application
  Guide One Non Profit Agent Training
  Guide One FaithGuard Church App Supplement 
  Guide One would like coverage lines equal $10,000+ in premium and a good loss history.

For Farms and Churches, Agents can send Apps and Loss Runs to Celeste Murphy in our SSCL Department:  888-264-3388   x:4680 cmurphy@smartchoiceagents.com

• • Need by Effective date
  • ACORD Applications and supplements
  • Loss Runs
  • Financial information

IV.  AGENTS PROGRAM The 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.  Mostly Top Tier Commissions are split 70/30 with Smart Choice (Agent gets 70%) up to an annual Commission CAP, then agent receives 100% of commissions over the CAP annually.  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 Commission CAP
• Book Rolls with Top Tier Bonuses
• Aggregation Opportunities to Enhance Total Commissions
• Pathway to Leadership Agency with Enhanced Earnings & Benefits
• See All Carriers  Travelers, Nationwide, Guard & KleeCo available in DC
• 2025 Additional Bonuses for Select Agent Program Carriers 

Agents Program — Sub-Code Direct Appointments

Agents Program Sub-Code Direct Appointments 

   Please visit the List of Commercial and Personal Lines Carriers.    

AGENTS PROGRAM CARRIER BONUSES    2025 INFO COMING SOON

V.  EXPRESS MARKETS   The 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.    Get Appointments — 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

• MUST HAVE Express Markets, Carriers, and CE Authority Discount AVAILABLE to ALL Virginia Agents!     VISIT  CARRIER APPOINTMENTS AVAILABLE to ALL VIRGINIA SMART CHOICE AGENTS and expand your markets and resources!     Almost Instant Access, No Commitments, 100% Commissions Paid Directly to Agents
• Visit  the NEW EXPRESS MARKETS Website To Learn More About Smart Choice Express Markets!  
• New:  Propeller Bonds.  The Only Bond Program Agents will Need!   Learn More   Get Appointed
• New:  Lemonade Homeowners Insurance now available.    Learn More     Get Appointed
• NEW:  GAINSCO Non Standard Auto  Competitive Minimum Limits NS Auto with Int License. Smart Agents earn 12%.  Carrier Spotlight Video  Learn More   Get Appointed
• NEW:  Burns & Wilcox will write your TRANSPORTATION RISK!  Burns and Wilcox Transportation Solutions    Transportation Team  Contact Gene M. Cain (404) 487-1982  in Georgia First. 
  • Trucking
  • Public for Hire
  • Garage
  • Dealerships & More.   Burns and Wilcox Transportation Solutions
    
• Wright Flood (EXPRESS MARKET)  NFIP and private market flood insurance. Learn More   Watch Video About Portal   Get Appointed 

VI.  LIFE & FINANCIAL  Access top-rated life carriers through Crump Life Insurance Services, Rohrer & Associates, Back Nine, Lincoln Financial, and Kansas City Life. We also offer assistance and training from our dedicated life insurance partners.

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 Crump Life Insurance Services. 

The Smart Choice Life and Financial Program 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.  Our life platforms are automated, giving you the ability to quote and complete a drop ticket or eApp online in 10 to 15 minutes, and DTC widgets and marketing abilities at no cost.

We also offer hands on assistance and training from our dedicated Life Insurance representative Choco Harwell–CALL  (336) 217-4650 x 3013 

• BackNine   Agents have the ability to add life insurance with every Ezlynx auto or home quote By clicking the teaser, a quote is launched with prefilled information already in EZLynx to avoid double-entry of data.  Pick between term or permanent coverage (exam & no exam). Once coverage is selected, choose apply to start an application.  
  

  Let BackNine’s White Glove Team handle the sales process for you.   Provide Basic information about your client and White Glove will reach out within 24 hours.  The White Glove Team Handles the application and underwriting process so your agency can focus on P&C sales without any interruption.    Learn More  BackNine Flyer    Get Appointed

• Covr Life Insurance Covr Pro simplifies the insurance process with cutting-edge technology, industry-leading products, and exceptional compensation. Covr Pro makes your life simple by providing top service from experienced professionals. Learn more    Get Appointed 

• Get Appointed with Rohrer

  Corey Proctor,  Senior Marketing Specialist  
  Main Phone: 763-424-3521 ext. 206
  Direct Dial: 763-273-8918   
  coreyp@rbrokers.com

  Matt Rohrer, President | mattr@rbrokers.com  |  763-424-3521 ext. 203 | Mobile: 763-242-4409  

• NEW:  Rohrer & Associates available for Life, Health, Financial Products and Services:  Get Appointed & INFO  Learn More about Rohrer & Associates Resources, Products, and Extraordinary Services
• Please note that our 1-800# is no longer in service.  You can reach our team by calling our main phone number (763) 424-3521.
  
• Appointments Available with Many Carriers
• Smart Choice Quick Life by InsureNOW Direct — Three Easy Options — Over 40 Carriers
• Agent Link–Quick Quote & Access to about 50 Carriers
• Smart Start Life — Our Life Specialist will write Life for your clients!
• Other Resources for Hard-to-Place Life Risks
• Pathway to Higher Retention & More Agency Revenue
• CALL Choco Harwell   (336) 217-4650 x 3013

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?

Kerry Belcher, Territory Manager and Director of Life & Financial 

Our Virginia Smart Choice Team is please to announce that as of March 1, 2023, Kerry G. Belcher will be serving our VA & DC Agents as Director of Life & Financial Services. Kerry has decades of personal and commercial insurance experience, including Life and Financial Services.  In addition to his role as a Territory Manager–which includes the provision of a comprehensive Agency Development Program,  Kerry brings great opportunities for Smart Choice Virginia Agents to better serve their clients by offering a comprehensive Life and Financial Services program.  As the Independent Insurance Agency model contiues to evolve, the revenue stream from Life and Financial products continues to become vital for agency success. 

Kerry will offer flexible programs and support to assist Smart Choice Agencies to grow or to add Life and Financial Services revenue, regardless of size or stage of development.  Visit Kerry’s LinkedIn Profile
Cell: (276) 492-3975  Office:  (276) 865-5144  Email Kerry

 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 – 180+ 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.   Click the following link to eSign and submit your referral form.  Smart Choice Referral Agreement.

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

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

Oak Street Funding  Financial Solutions to support agency growth with Acquisition Analysis

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

 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.

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

SMART CHOICE CARRIER AND BROKER PARTNERS

Smart Choice Agents Program Virginia Carrier Partners:  Below are our current Virginia Insurance Carrier Partners that provide a broad segment of diverse markets.   Contact Roger Gill or Daniel Brown to Request Appointment Information.   

The Smart Choice Carrier and Broker Partners Information has been moved to another location.  Please visit Smart Choice Carrier and Broker Partners.

SMART CHOICE VIRGINIA SUPPORT TEAM 

(1) Over 70 years of combined Agency Management Experience–Both Captive and Independent.
(2) Provides Training and Resources to Enhance Profitable Agency Growth.
(3) Provides Online and Offline Marketing Support.
(4) Provides Assistance with Business Development — Startups to Large, Experienced Agencies.
(5) Ezlynx Comparative Rater and Agency Management System Experience — We use and know Ezlynx!
(6) We Share our Agency Processes and Technologies — Value Added Resources to Enhance Efficiency & Effectiveness.
(7) Extraordinary Agency Services and Responsiveness — We Give Our Cell Numbers to Our Agents.

What Agency Owners and Carriers say about The Smart Choice Virginia Team?   CLICK HERE

Meet the Team

We look forward to working with you.