Market Access

Agents Program

Smart Choice® has partnered with top-rated carriers to provide agents with hard to obtain appointments. When an agency joins Smart Choice®, they have the opportunity to become appointed with desirable national and local carriers. Agency partners enjoy reduced production requirements, their agency name on the policy, and the opportunity to share in bonus and contingency.

  • No monthly or up-front fees
  • Maintain 100% ownership of your book
  • Bonus and contingency sharing
  • Low volume commitments 

Smart Start

Smart Start is an online program that gives agency partners an alternative way to access both personal and commercial lines markets, without needing an appointment.

COMMERCIAL: Writing commercial lines business should be a goal of every agency, and Smart Start can help you start today! Gain immediate access to national carriers with competitive compensation to ultimately give you an edge in the marketplace and allow you to focus on driving new business to your agency.

PERSONAL: Access personal lines markets with no commitments! Smart Start was created to help agencies start writing business immediately, without waiting on lengthy appointment processes. 

Express Markets

Express Markets gives agents nearly instant access to multiple standard and non-standard insurance carriers at the click of a button.

  • No Fees
  • Minimum Production Requirements
  • 100% Commission Paid Directly To
  • Your Agency

Express Markets offers independent insurance agencies access to a broad portfolio of excess & surplus (E&S) carriers. Express Markets includes E&S carriers in a number of specialty markets—from the construction and marine industries to commercial transportation and environmental remediation, and more. This program includes over 25 highly regarded insurance carriers, including CRC Group, Burns & Wilcox, Aegis, Dovetail, Tapco, SES, and RPS.

Whether you need to access a single carrier or a handful, Express Markets gives you a comprehensive group of non-standard business carriers to meet your client’s unique requirements.

Insurance agencies do not pay any fees to participate in Express Markets and there are little to no volume requirements. A full 100% commission is paid directly to your agency by the carriers participating in Express Markets.

Access to Express Markets carriers is available online, at the click of a button! Once you fill out a simple form, you’ll deal directly with Express Markets carriers.


Please contact Megan Vaught, [email protected] (317) 228-3028, or Dave Moore, [email protected], (317) 228-3033.

Schedule an Appointment with Luke Royal: