What is market access?

Market access lets a licensed agent write and bind business through an established agency’s carrier appointments instead of applying to each carrier alone. You quote, you bind, you keep the client.

Florida market access

Get appointed in Florida — market access for licensed agents

Q: Do I need production history?

No. The program is built for agents who just passed the 2-20 or 4-40 exam. There is no book requirement, no entry fee and no production minimum to start.

Q: Who owns the clients I write?

You do. The policy is written under Bell & Lyons appointments, but the client relationship, the renewals and the book belong to you, and there is no exit fee if you leave.

You passed the 2-20 or the 4-40 and the carrier applications keep coming back declined. Carriers grant appointments on production history, and a brand-new agent does not have any yet. Bell & Lyons opens its Florida appointments to independent agents so you can quote and bind on day one, and keep every client you write.

Start writing this week

Send your license, E&O and W-9. Most agents are quoting the same day.

Get appointed in Florida →

How it works

1. Apply in a few minutesYour Florida license number, your E&O certificate and a W-9. No book of business required, no fee to join.

2. We put you on our appointmentsPersonal lines — home, auto, condo, flood and renters — plus small commercial through Bell & Lyons' carrier relationships.

3. Quote and bind inside ARLOThe client record, the quote, the proposal, the ACORD forms and the certificate live in one system. Our desk finalizes the bind, usually within about two hours.

4. You get paid, and you keep the clientCommission split starts at 65% and moves to 75% as you produce. Your name, your renewals, your book.

Which Florida markets you can quote

Progressive, Citizens, Universal Property, Slide, Tower Hill, Kemper, National General and Bristol West, plus admitted and surplus lines markets for the risks Florida carriers decline — coastal wind, older roofs and prior claims. Commercial risks go through our CL quote desk.

Why this is not a cluster

No entry fee and no exit fee. Clusters commonly charge $2,500 to $10,000 to join and buy-out clauses to leave.
You own the book. The client, the renewals and the commissions follow you if you leave.
No production minimum to get started.
The CRM is included — you are not paying a separate agency management system on top.

Terms are set out in the Market Access Producer agreement you sign.

Who this is for

Newly licensed 2-20 or 4-40 agents

You have the license and no appointments, and every carrier application comes back declined.

Producers going independent

You left a captive agency and need markets under your own shingle before your book follows you.

Agents missing a market

You have a few appointments but keep losing coastal, flood or commercial risks you cannot place.

Common questions

What does getting appointed actually mean?

A carrier appointment is the contract that lets you write and bind business for that carrier. Carriers grant them based on production history, so a newly licensed agent is almost always declined. Market access solves that: you write through Bell & Lyons' existing appointments until you qualify for your own.

Do I need production history or a book of business?

No. There is no minimum book, no entry fee and no requirement to move existing business.

Who owns the client?

You do. The policy is written under our appointments, but the client relationship, the renewals and the book belong to you.

Ready to get appointed?

No entry fee. You keep your book. Binds in about two hours.

See plans and get appointed →

Questions first? Call (954) 998-3860 or read the full program on ARLO Market Access.