What is Markets for Agencies?
Markets for Agencies are distribution programs that let independent insurance agencies place business with carriers they may not be directly appointed with. These markets expand an agency’s toolkit beyond standard commercial lines to include specialty coverages such as cyber liability, professional liability (errors & omissions), participant accident coverage, and event liability, while still delivering standard commercial lines through partner carriers. They help agencies serve niche industries more efficiently — for example, clubs, associations, retailers, contractors, manufacturers, and event organizers — by giving access to commercial liability, property and equipment coverage, and commercial auto exposure. See our Markets for Agencies page for details.
Who Needs It
Independent insurance agencies and brokers benefit most from Markets for Agencies. Whether you’re a startup expanding product offerings or an established firm seeking access to specialty lines, these programs help when clients need coverages outside your direct appointments. Typical users include small organizations and operators such as clubs, associations, retailers, contractors, and event organizers. Agencies looking for broader specialty solutions can also review related program options like CompleteMarkets — Specialty Programs & Insurance Markets (Storefront Unavailable) and storefront services such as CompleteMarkets - Storefront Unavailable (Managed Social Media for Retailers) for additional agent-facing tools and resources.
What It Typically Covers
Markets for Agencies may provide access to a broad mix of commercial and personal lines, for example:
- General liability and commercial liability
- Professional liability (errors & omissions)
- Commercial property and equipment coverage
- Cyber liability
- Workers’ compensation
- Auto and home insurance, including commercial auto exposure
Many programs also offer specialized products like event liability and participant accident coverage. Actual availability varies by partner carrier and state; underwriting factors and state rules determine which lines are offered in each market.
Common Exclusions and Limitations
Markets for Agencies increase access but don’t eliminate underwriting limits. Common exclusions include very high-risk industries (heavy construction, hazardous materials), known or pre-existing losses, and illegal or unethical operations. Programs may enforce underwriting guidelines, minimum premium or volume requirements, and specific liability exposures. Underwriters will also consider operational hazards and transportation risks when evaluating submissions. For example, a vendor’s faulty equipment causing property damage at a trade show may prompt additional underwriting review or a specific exclusion.
Factors That Influence Cost
Pricing depends on business type and size, industry risk level, claims history, coverage limits, and deductibles. Carrier underwriting factors, loss control and risk management practices (safety programs, job-site controls), and the insured’s operations influence final premiums. Coverage forms and state-specific rules can further affect policy terms and cost.
Proof of Insurance & Compliance
When coverage is placed through these markets, clients receive standard policy documents and certificates of insurance to satisfy licensing, contractual, or state requirements. Always confirm the policy language meets any specific compliance obligations for your client’s state or industry before relying on coverage for contractual purposes.
How to Get a Quote
To explore available markets and request pricing, start by completing a short submission or storefront application. Our team can connect your agency with appropriate solutions — begin at Markets for Agencies or submit details directly via our Get a quote page.
Frequently Asked Questions
What are insurance markets for agencies?
They are programs that allow agencies to access insurance products from carriers they may not be directly appointed with.
Do I need a license to use these markets?
Yes, your agency typically needs to be licensed in the state where you're placing business.
Can small or new agencies use these markets?
Yes, many markets are designed to support small or independent agencies looking to grow their offerings.
Are there volume commitments?
It depends on the market. Some may require minimum production levels, while others do not.
How fast can my client get coverage?
Turnaround times vary but can be quick once all required information is submitted and underwriting is complete.
Still have questions? Talk to a local insurance expert.