Insurance Carriers for Independent Agents in California

Aegis offers affordable insurance for affordable housing. Their core products are manufactured homes, rental properties, affordable homeowners, and vacant structures.

Ahoy! Has a deep knowledge of boating, insurance and technology, so you can provide your clients with an innovative recreational boat insurance policy tailored for the 21st century.

Alchemy Insurance Solutions offers a fifty-state program for builder's risk with rates engineered to beat the competition. Alchemy Insurance Solutions offers policies as both a single shot, and on a reporting form. Alchemy's flexible underwriting allows us to entertain risks up to and above $5m. In Florida & Texas Alchemy offers competitive rates with wind for CAT affected, and Coastal risks, as well as high value homes.

AmTrust is a leading writer of small commercial insurance covering over 500K small businesses and is the third largest writer of Workers Compensation in the U.S. Our extensive workers’ compensation appetite makes us an ideal fit for a vast number of small businesses. AmTrust also has extremely responsive underwriting. If a quote is not bind online eligible, we will routinely review and return an underwriting decision by the next business day.

Coastal and high-risk homeowners deserve choice, service, and certainty. Annex Risk partners with A.M. Best "A" rated insurance carriers to offer an HO-3 product for high-risk homes along the Gulf Coast and Eastern Seaboard. They work in some of the most natural catastrophe exposed regions to provide peace of mind to homeowners.

Aon Edge is a leading provider of customizable private flood insurance with superior policy administration, claims processing, customer service, and agency support for your property owners.

Assurity is a mutual insurer with a long-standing reputation for excellence, offering competitive Life products.

Attune's sophisticated platform aggregates the necessary data from different sources, and then uses incredibly advanced analytics to create tailored products that can be delivered in mere minutes, not days or weeks!

Authentic Insurance leverages cutting-edge technology to offer agents the ability to design and implement their own bespoke commercial insurance programs. Our platform handles all aspects of submissions, underwriting, COIs, claims, and capital management - providing a custom tailored comprehensive solution that meets the specific needs of your clients. We specialize in the franchise & affinity group space, with a robust appetite offering direct access to admitted commercial products.

Back9 offers real-time case management with 40+ carriers, helping agents sell life, disability, and annuities faster. With 24/7 support, all data in one place, and Quote & Apply™ to quote, eSign, and submit in minutes, you can drive business anytime.

biBerk is part of the Berkshire Hathaway Insurance Group with over 75 years of insurance experience. More than half a million business owners get their business insurance from biBerk nationwide. biBerk’s online quote process enables agents to submit a policy, get a quote and bind online in minutes saving you and your client valuable time. Coverage is affordable and tailored to meet the needs of your clients. biBerk writes 95% of all class codes for workers' comp and professional liability, handles all the service and billing, and renewals are automatic.

Blitz is a technology-driven insurance company revolutionizing the $100B E&S market with a fast, simple underwriting platform for small commercial property & casualty risks. Agents can quote in 5 minutes and bind in 10, with 80% of risks requiring no underwriter review. Covering industries like retail, contractors, and special events, Blitz offers a streamlined, no-accords process, dynamic applications, bundled products, and a centralized communications platform.

Smartphones keep us connected to the people and information that matter and are an integral part of our life. bolt Protect covers every phone in your household and at only at $150/year instead of an average of $589/year, there is no need to pick and choose who’s phone to cover. Families can now afford to cover everyone’s phones, parents and kids.

Bristol West Insurance, part of the Farmers Insurance Group, offers non-standard auto insurance solutions designed for drivers who may not qualify for preferred markets. You’ll find Bristol West valuable for clients with prior violations, lapses in coverage, or limited insurance history. The carrier provides broad underwriting eligibility, competitive commission, and a user-friendly portal for quoting and servicing policies.

CIS offers Insurance for a wide range of collectibles – from A (Advertising Collectibles) to Z (Zippo Lighters). Deductibles start at $0 for collector policies and CIS provides coverage for the market value of your client's collection for losses in excess of $50. CIS is an agency founded by collectors, for collectors, so they understand that your client’s collection is often more of an emotional investment than a financial one.

Coterie Insurance is a tech-forward commercial insurer focused on making small-business insurance fast, simple, and transparent. It delivers instant, bindable quotes for policies like general liability, professional liability, cyber, and business owners’ coverage across all 50 states. Through its data-powered underwriting platform, Coterie enables agents, brokers, and business owners to skip the traditional delays and get protection when they need it most.

Effortless umbrella insurance with a single form for multiple carriers (RLI, Hudson, Markel, Monoline). Instant views of state appetite and pricing estimates pre-quote.

Cowbell Cyber is the leading provider of cyber insurance for small and medium-sized enterprises. Cowbell's easy-to-understand cyber insurance offerings innovate across all three insurance pillars: underwriting, distribution, and claims.

Offering Auto and Home Protection Plans with Deductible Reimbursement benefits provides you with an invaluable tool to compete in this Hard Market. The innovative products available exclusively through R+R Insurance Advisors will help you differentiate your agency, generate additional revenue, win more new business, and retain your existing book.

Delos offers coverage for properties in CA wildfire risk zones. Many Californians struggle to find coverage if they live in an area perceived to have high wildfire risk. Delos is best-equipped to underwrite this market because they can identify thousands of safe homes that exist in these areas using their proprietary data and cutting-edge AI. They also use their dynamic data to proactively send homeowners personalized advice for home hardening as their risk changes.

For over a century, we’ve been providing America’s small businesses with cost-effective workers’ compensation insurance. With our emphasis on financial stability and fast, efficient claims service, we now serve clients in 46 states and the District of Columbia. EMPLOYERS remains focused on keeping America’s Main Street businesses not only working, but working safely.

A simple and easy solution for your insured's HO-4 needs. You can go from quote to bind in under 5 minutes, and we will handle all servicing of the book. We do not use credit in our rating. You have automatic approval to bind up to $75K in contents and up to $300K in liability coverage automatically. We offer endorsement options for Pet Damage, Water Backup coverage, Identity Theft, and more (endorsements offered vary by state).

**FLEET COMPANY COMMERCIAL AUTO** Show your commercial clients that you have their back by offering a unique auto insurance option that helps them save money. Fast rate, quote & bind, and an intuitive fleet safety dashboard empowers you to offer excellent service, and attract and retain more business.

Fetch provides the most comprehensive pet insurance in the US. We cover sick-visit exam fees, every adult tooth and gums, alternative and holistic care, breed specific issues, behavioral therapy, televet services -- which other providers charge extra for or don’t cover at all. Fetch has a 100% quote rate and instant issue process. You only need to provide age, breed and zip code to get a quote. There are no declinations, underwriting referrals or third party reports to run.

Revolutionizing Small Business Insurance: First Insurance & Risk Management isn't just an insurance provider we're your strategic partner in risk management. Say goodbye to the frustration of waiting for carriers to respond. With us, agents experience real-time empowerment – from quoting to issuing and servicing accounts. We seamlessly blend cutting-edge technology with personalized service, transforming insurance into a proactive risk management plan. Stay ahead in protecting what matters most, as we align with the dynamic pace of today's business landscape. Welcome to a new era of efficiency, responsiveness, and tailored protection with First Insurance & Risk Management

The Foremost Choice suite of products is built on a simple idea: Specialized Value. Foremost has been offering specialized insurance policies since 1952 and they understand your clients' lifestyle.

GeoVera provides stand-alone earthquake insurance to fill the coverage gap for your clients. Earthquake insurance for stability in shaky times!

For more than 150 years, our customers have trusted us to protect what matters most to them. We offer specialized coverage to meet your business’s unique needs—giving you the peace of mind you deserve.

Our approach to the collectible car insurance business and our strategy for growth is centered on our unwavering pursuit to build the world's most loved automotive enthusiast brand and deliver on our purpose to save driving and car culture for future generations.

**QUALIFICATION WILL BE REQUIRED** Hanover is a top-tier, A-rated national carrier offering a wide range of commercial insurance products. Known for their strong financial backing and commitment to independent agents, Hanover provides robust small business solutions backed by dedicated underwriting and support teams to help agents grow with confidence.

Hiscox NOW provides same-day coverage for small businesses with up to $5MM IN ANNUAL REVENUE. We offer instant binding for GL, PL, BOP and Cyber Security coverage though a fast an easy, all-digital quote and bind experience. Policy docs are delivered immediately via email.

IDIQ offers an array customizable employee benefits and identity protection products designed for your customers, each offering unique features and benefits. By embracing these innovative solutions, you'll be able to enhance customer satisfaction, foster loyalty, and boost retention rates.

Insur-Fi is your Boutique Wholesale Broker offering markets for Habitational, Hotel, Motel, Restaurant, Bar, Tavern, Artisan Contractors, Lessor Risk, Real Estate GL, Distribution, Warehouse, Manufacturing, Large WC and so much more.

Integrated Specialty Coverages (ISC) is a tech-driven program administrator specializing in commercial insurance. Backed by private equity firm KKR, ISC partners exclusively with A-rated carriers and offers a proprietary platform for seamless quoting and binding. With a focus on high-quality service, competitive commissions, and innovative product delivery, ISC helps agencies expand their footprint in the commercial market.

Jewelers Mutual is the only insurer in North America dedicated to jewelry insurance for over 100 years. They’ve received their 38th consecutive A+ Superior rating from A.M. Best and their 14th consecutive Ward’s 50® top performing insurance companies award. Jewelers Mutual is available nationwide and you'll earn 10% on new and renewal policies.

LightSpeed Specialty Insurance Solutions is a wholesale excess and surplus broker offering AM Best A+ rated Homeowners, Condo and Landlord insurance in the state of California.

LIO Insurance is a niche specialty carrier driven by a next generation digital ecosystem offering Community Association Insurance. Their motto is Insurance Made Simple. LIO operates without legacy burdens, enabling them to leverage cutting-edge technology that allows you to enter new business and get a quote in minutes

Monoline is a tech-powered platform that makes it easy for agents to quote, bind, and manage standalone personal umbrella insurance. It offers instant quotes, same-day underwriting, and policy limits from $1M to $5M, backed by A-rated carriers. Agents can also easily transfer existing policies using their SimpleSwitch tool.

National General, an Allstate company, has a dedicated agency processing system, enabling you to be nimble, with your needs in mind.

Neptune Flood insurance delivers affordable coverage in an effortless, intuitive, and on-demand platform.

NEXT uses groundbreaking AI-based technology that allows agents to sell more commercial policies, faster. They offer instant quote and binds and immediate access to certificates of insurance.

Obie specializes in landlord policies for properties with 1-4 units. With Obie, you'll have the ability to instantly compare competitive rates, receive quick quotes, and easily bind policies for your real estate investor clients. What's more, they offer a seamless experience with no post-bind paperwork, the flexibility to cover harder to place properties, and no surcharge for LLC's or trusts as named insured.

Palomar provides a range of catastrophe insurance for personal and commercial property. They develop customized coverage options for client specifications.

Pathpoint is a digital Wholesaler that gives you access to AM Best A-rated E&S carriers such as Markel, Westchester, Nautilus, and Crum & Forster. Most popular classes include contractors, lessors risk, short term rentals, vacant land/buildings, restaurants/bars/taverns and more

Pie Insurance is leveraging technology to transform how agents quote and sell commercial insurance, with the goal of making it affordable for customers and as easy as pie for agents!

Propeller is a digital MGA which completely automates the entire lifecycle of surety bonding. Propeller streamlines the billing with credit/debit card direct bill for customers which allows bond-heavy agencies to create massive efficiencies within their business, but also allows inexperienced bonding agencies the confidence to market bonds and use bonds as a lead generation tool. With Propeller, you get access to multiple surety markets (appetite aggregator), the best surety technology, and surety underwriters! With a name and email address, Propeller can send the agency an onboarding packet via DocuSign. Within 10 minutes the contract is completed, and we are creating your custom URL to put on your website, email signature, or social media. We will follow up to make sure all staff are familiarized and answer any questions.

Rainbow partners with local agents to offer hand-crafted coverage for restaurants and beauty & wellness businesses. Offering broad appetites, including ghost kitchens, wine bars, fine dining, and new ventures (up to $10M in revenue and 65% liquor sales) for restaurants, and salons, spas, nail studios, fitness centers, and body piercing (up to $10M in revenue and 250 employees) for beauty & wellness. Agents enjoy admitted BOPs with customizable coverages, a fast online quote-to-bind platform with same-day answers from real underwriters, competitive premiums, self-service billing for clients, strong commissions, and added perks like marketing support, webinars, and referral-friendly quoting. All of this is backed by a carrier rated A- (Excellent) with an IX Financial Size Category by AM Best, built for speed, service, and specialization.

RLI provides personal umbrella insurance with innovative approaches to underwriting and unsurpassed levels of client service.

As a First Connect member, you have direct access to write surety bonds through RLI. Simply use your First Connect account to access RLI Surety’s online system to write commercial bonds or apply for contract bonds electronically!

Semsee’s Market Access program is a dedicated solution that expands your reach in small commercial insurance by granting access to additional markets through its streamlined quoting and binding platform. By leveraging Semsee’s robust small commercial insurance tools and market access infrastructure, partners benefit from increased quoting power, licensed underwriting expertise, competitive commissions, and tailored support for hard‑to‑place risks, enabling more efficient submissions and faster decision-making.

SES Risk Solutions is a leading, tech-enabled insurance provider for residential investment properties. Program Appetite: Residential long term rental properties only. Including SFR 1-4 single location and portfolio, MFR 5+ unit and Property Manager portfolios.

Simplicity gives independent agents access to top carriers, innovative digital tools, and dedicated support—so you can sell more, streamline your process, and grow your business with confidence. Our LifeLink platform makes quoting, comparing, and submitting life insurance cases easier than ever—all in one place.

Simply Business is dedicated to making small business insurance simple and accessible. Our robust digital marketplace allows small business owners to find and buy the insurance they need online, matching them with coverage from multiple top insurers to offer choice, transparency, and value.

Skywatch.ai has developed an amazing broker web portal to give you real time, comprehensive quoting and binding for broad drone insurance coverage. Liability limits range from $500k to $5M!

Slice is an insuretech platform designed to provide Contractors General Liability coverage focused on artisans, general contractors, and remodelers. Agents can enjoy coverage in hard to place classes, quotes in 30 seconds and unlimited instance COIs!

Sterling Surplus Underwriters is there to meet your customers need for private residential flood insurance.

Tend is an innovative home essentials protection company, offering home warranty products.

Thimble is a first of its kind carrier that is offering short-term coverage that is completely unique. Workers can now get coverage for an hour, a day, a week, and all the way up to a year!

THREE was created out of Berkshire Hathaway, drawing on decades of insurance experience, unmatched financial strength, together with expert and responsive claims teams. They offer simple, innovative, all-encompassing policies to fit the needs of small business owners. This means one single policy, one bill, and one number to call to file a claim.