An on-line platform that allows agents to access to personal and commercial lines carriers immediately and without appointments

Agencies face the daunting task of learning every carrier's different coverage forms, terminology, different marketing techniques, and obtaining competitive carrier appointments.

But with Smart Start, agents use our easy-to-navigate carrier preference guide to determine the proper underwriting market, fill out and submit a prospect opportunity form to Smart Choice®. We process and submit the form to our carriers' in-house sales centers. We do the work for you!

Become an agency partner

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Instant access

You receive instant access to top personal and personal lines national carriers, and in most cases, underwriting approval within 24 hours.

User-friendly processes

The Smart Start platform makes policy information available online for quick reference. Through the program, you will also work with a dedicated underwriter to assist and bind coverage for you.

Competitive commissions

Most companies pay 15% on new business, and you receive 70%, but Smart Start offers competitive commissions — with no premium volume requirements.

Use Smart Start to write...

Commercial LinesPersonal Lines

Writing commercial lines business should be a goal of every agency, and Smart Start can assist you in meeting this goal. Many agencies attempt to write commercial business and give-up after only a few weeks or months when they don't see immediate results.

Fill out an on-line prospect form and submit it to Smart Choice®.
Smart Choice® will submit the prospect form to the carrier. Carriers usually respond within 24 hours or less.
The carrier’s sales team will contact the prospect, or the submitting agent, and return a quote valid for 30 days.
The carrier will notify Smart Choice® of the results and Smart Choice® will notify you.
Commissions are paid to you on the 15th and 30th of each month as received from the carrier. You will receive a detailed commission report by policy for each carrier.
The carrier will work with you to service and renew the account during the calendar year.

Pay no fees, get appointed with 100+ carriers, and write business immediately.

Become an Agent

See all carriers in our network and which ones are available in your state.

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Smart Start frequently asked questions

Do I have to be a Smart Choice Agent?

You have the option to get direct sub-codes (subject to insurance company approval) through Smart Choice and/or markets through Smart Start. The majority of our agents will have both direct subcodes and additional markets through Smart Start.

Do I have binding authority?

No. Our dedicated underwriter will approve personal lines. The underwriting company will approve commercial lines.

How will I know when the account is written?

The carrier will notify Smart Choice®, and our representative will notify you. The client will receive the policy directly from the carrier, and you will have access to policy information through our online portal.

Who's name is on the policy as the producing agent?

Smart Choice's ® name is on the policy as "Worldwide Insurance Network." Customers will call the carrier for certificates of insurance.

Do I need E&O insurance?

Yes, $1,000,000 limits. If you need to secure competitive E&O coverage, we have our own discounted program. Receive a quote from CalSurance, and you can receive an E&O binder within minutes!

Who owns the business?

You own the account, and the carriers may consider you for a direct appointment. The insurance carrier will service the business, but you have access to the carrier’s service center if needed.

How many carriers do you offer?

We’ve partnered with over 100 carriers and are continuously working to partner with more.

What are the close ratios with each carrier?

Our carriers have as high as 70% close ratios.

Smart Choice Gives You the Freedom to Succeed.

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