Best Insurance Companies for Independent Agents: 2025 Rankings
One of the biggest benefits of being an independent insurance agent is having the freedom to choose which insurance companies you want to work with. Unlike captive agents, you’re not stuck with just one insurance carrier, which gives you more flexibility.
However, every insurance provider is different, and so are their offerings. Some provide agents with competitive commissions and extensive training, while others offer diverse product portfolios to meet client needs.
So, how do you pick the right one for you? This article will help you explore the best insurance companies for independent agents in 2025.
Key takeaways
- Independent agents should evaluate insurance carriers based on various factors, such as competitive commissions, a wide range of product offerings, ongoing training, and more.
- Insurance platforms like First Connect (FC) can provide independent agents easy access to multiple top-rated carriers.
- As an agent, working with a trusted carrier can enhance your reputation, improve client retention, and boost long-term revenue.
Key factors to consider when looking for an insurance carrier
Choosing the right insurance carrier is crucial for independent agents and agencies – and for various reasons. After all, your choice affects your ability to attract and retain customers, grow your business, and maximize your revenue.
With so many carriers available, agents must evaluate them based on key factors that align with their professional goals and clients’ needs.
Let’s discuss the factors you should consider when selecting an insurance carrier.
A wide range of products and coverage options
Some of the best insurance companies for independent agents offer many options for policyholders and agents.
With numerous product choices such as home, auto, life, health, and commercial insurance, you can help your clients find competitive plans that fit their budget and needs. The First Connect Carrier Store provides agents with quick – sometimes instant – access to more than 120 top carriers across commercial and P&C lines of business. Find the correct insurance for your client using our carriers search page.
You can also look for specialized products, like high-net-worth insurance or small business coverage, that can significantly enhance your revenue potential.
Competitive rates for clients
In a competitive market, your clients will likely compare premiums among carriers. Attracting cost-conscious clients through competitive rates can increase policy volumes and revenue.
As an independent agent who offers competitive rates, you will close sales faster and build long-term client relationships. Make sure to:
- Collaborate with carriers known to provide fair pricing without compromising on coverage quality.
- Check if the insurance company offers bundling discounts or other incentives to make their policies more attractive.
- Choose a provider that strikes a balance between affordable rates and comprehensive coverage.
Competitive commissions and timely payments
Your revenue as an independent agent largely depends on commission rates. A reliable commission structure helps secure consistent revenue streams.
Independent agents or agencies that sell a carrier’s policies should earn a fair share of their sales and receive payments without long delays. They should know when to expect to get paid, which helps reduce unnecessary stress.
So, choose an insurance company with a reliable, competitive commission plan and consistent payment schedule. This will motivate you to deliver value to your clients by offering excellent coverage options.
Ongoing training and marketing support
It’s crucial to have a solid understanding of your insurance carrier’s products. Without adequate product knowledge, your independent agency may struggle to sell the policies effectively. Training equips agents with the skills to sell more effectively and increase revenue.
That’s why you need an insurance provider that offers a dedicated support team and regular product training for independent agents. Some carriers even compensate agents for continuing education opportunities.
In addition, agents should receive ongoing marketing support. This includes providing the tools and resources needed to communicate the value of their products to clients.
Exceptional customer service
Independent agents should partner with insurance carriers that consistently deliver excellent customer service. This strengthens loyalty and drives repeat business, ensuring stable revenue growth.
When customers call the carrier with questions, they receive helpful support. Similarly, agents can rely on the carrier for assistance when troubleshooting issues.
Look for carriers that prioritize superior customer service. No phone trees, automated systems, and chatbots — but real people who walk policyholders through every step of resolving their concerns.
Top 10 insurance companies
Independent agents depend on strong partnerships with leading insurance companies to provide their clients with the most competitive coverage options.
Here’s a quick look at the ten best insurance companies for independent agents in 2025, each providing unique benefits to help you thrive. These property and casualty insurance companies stand out regarding coverage options, support, and commissions. The best part? Almost all of them are available without a direct appointment on First Connect.
1. Nationwide – the top pick
Nationwide is a household name in the insurance industry. It offers a comprehensive range of products, including auto, home, life, and commercial insurance. With its origins dating back to 1926, Nationwide has built a reputation for support, stability and innovation.
Some features that make it stand out among competitors for independent agents include the following.
Broad product portfolio
Nationwide’s extensive lineup of products allows agents to meet various client needs, from personal to business insurance.
Strong agent support
Nationwide offers dedicated agent support, ensuring quick answers and streamlined processes for policy management.
Competitive commissions
Nationwide’s commission structures are designed to maximize agent revenue.
Marketing help service
Agents can benefit from co-branded marketing materials by partnering with Nationwide to grow their agencies.
2. National General Insurance
National General Insurance – now part of the Allstate family – specializes in auto, RV, and home insurance. Established in 1939, this company is known for its focus on niche markets, making it a competitive partner for independent agents.
Some unique features include the following.
Specialized products
National General focuses on auto and RV insurance, helping agents tap into niche markets. Their emphasis on niche markets helps agents unlock unique revenue streams.
Allstate backing
This insurance company provides agents access to Allstate’s resources and market presence, adding credibility and stability.
Agent technology
National General offers innovative tools to simplify quoting and policy management for agents.
Comprehensive training service
National General ensures agents are well-versed in their products through extensive training programs.
3. Clearcover
Clearcover is a digital-first auto insurance provider that uses technology to deliver competitive rates and fast service. With its streamlined processes, this insurance company appeals to tech-savvy agents and customers.
Clearcover is ideal for agents looking to provide modern, budget-friendly insurance solutions. Some of its unique features include the following.
Tech-driven efficiency
It offers a user-friendly platform that simplifies quoting and claims processes.
Competitive pricing
Clearcover’s competitive pricing model supports agents in building steady revenue growth.
Quick claims service
A highly efficient claims process ensures customer satisfaction and retention.
Innovative marketing tools
Independent agents can gain access to modern marketing materials to attract digital-first clients.
4. NEXT Insurance
NEXT Insurance helps self-employed and small business owners find affordable insurance coverage. Their digital-first approach makes them a go-to carrier for independent agents serving entrepreneurs.
Some standout features of NEXT Insurance for independent agents include the following.
Small business focus
Specializes in commercial policies, including general liability, workers’ compensation, and more.
Fast quotes and policies
NEXT’s digital platform allows for quick policy issuance, a major advantage for busy customers.
Affordable options
Affordable options attract entrepreneurs, offering agents substantial revenue opportunities.
Agent-friendly tools
Provides advanced tools for efficient policy management and sales tracking.
5. Attune
Attune is a modern insurance provider that helps simplify small business commercial insurance. Their platform is designed to make it easy for agents to quote and bind policies quickly.
Let’s look at the features Attune offers to independent agents.
Ease of use
This insurance company provides an intuitive, easy-to-use platform that minimizes time spent on administrative tasks.
Customizable coverage
Agents who partner with Attune can tailor policies to fit their unique business needs.
Fast underwriting service
Fast underwriting translates into quicker policy issuance and faster revenue generation for agents.
Niche specialization
Attune is particularly strong in retail, hospitality, and professional services.
6. Burns & Wilcox
Burns & Wilcox is a leading wholesale insurance broker that offers access and support to specialty and surplus lines markets. This company is ideal for independent agents seeking to maximize their revenue and expand their reach into non-standard insurance.
It helps agents tackle complex insurance needs with confidence. Here are some other unique features.
Specialty expertise
Bruns & Wilcox offers agents access to niche markets, such as high-risk auto, property, and commercial insurance. Specialty expertise allows agents to access unique markets and expand their revenue potential.
Broad market access
This insurance company works with multiple carriers, providing agents with diverse options.
Dedicated customer support service
Its experienced underwriters help agents find the best solutions for complex cases.
Flexibility for unique risks
Burns & Wilcox is ideal for customers with specialized or high-risk needs.
7. Coterie
Coterie is a forward-thinking insurance provider focusing on small business insurance. Their tech-driven platform simplifies the agent experience and helps them manage more clients and optimize their revenue potential.
Some unique features of Coterie for independent agents include the following.
Fast policy issuance
With Coterie, agents can quote and bind policies in minutes.
Industry-specific options
Coterie offers tailored coverage for various industries, from contractors to consultants.
Agent-friendly technology
The insurance company’s advanced tools streamline operations and improve productivity.
Transparent pricing
Cooterie’s simple pricing structure helps agents build trust with customers.
8. Aegis Specialty Insurance
Aegis Specialty Insurance provides tailored solutions and support for complex risks, including specialty commercial and personal lines. Partnering with this insurance carrier allows agents to serve niche markets effectively.
Some unique features include the following.
Custom solutions
Aegis is an ideal insurance partner for agents who have customers with non-standard needs or high-value properties.
Agent support
Aegis offers strong underwriting and claims assistance to agents.
Specialized training service
Aegis Specialty Insurance provides resources to help agents navigate complex products.
Niche expertise
Aegis provides coverage for hard-to-place risks.
9. Annex Risk
Annex Risk is known for its focus on creative risk management and specialty coverage. Their innovative approach appeals to agents looking to offer unique insurance solutions.
The following features make Annex Risk stand out for independent agents.
Creative risk solutions
Creative risk solutions empower agents to generate high-value revenue from unique cases.
Broad product range
This insurance company offers specialty insurance products that stand out in the market.
Dedicated agent support service
Agents can access tools and resources that help them excel by partnering with Annex Risk.
Strong market knowledge
Annex Risk helps agents identify emerging opportunities in specialty markets.
10. Foremost Insurance
Foremost Insurance, part of the Farmers Insurance Group, specializes in specialty lines such as mobile homes, RVs, motorcycles, and landlord insurance. Independent agents value Foremost for its strong niche focus and reliable support.
Let’s look at what independent agents find compelling about Foremost Insurance.
Niche products
It offers unique coverage options for products like RVs, mobile homes, and specialty properties. Its niche focus makes it a dependable revenue source for agents.
Reliable backing
The carrier is supported by Farmers Insurance, which means it has financial stability.
Agent training service
Foremost Insurance’s comprehensive training equips agents with the knowledge to sell effectively.
Flexible appointment process
Foremost welcomes agents from various backgrounds and experience levels.
Benefits of having access to an insurance company as an independent agent
Partnering with an insurance company as an independent agent offers a variety of benefits that can help grow your business, improve your skills, and maximize your revenue potential.
Here’s a list of benefits you can get by partnering with insurance providers.
Access to markets
Insurance companies often have a strong presence in the market and a well-known brand. When you partner with reputable carriers, not only do you get support and benefit from their marketing efforts, but you also build trust.
This collaboration can also increase the visibility and credibility of your independent agency, making it more appealing to potential customers.
Better product choices
Every client is different, and so are insurance providers. Some of the best companies for independent insurance agents allow them easy access to various insurance products.
With a broad product portfolio at hand, agents can better meet their client’s needs with customized solutions that cover a variety of risks. This helps attract customers who value having options and personalized plans.
Growth opportunities
Insurance carriers allow agents to boost their revenue. Whether through new product lines or additional training, you can expand your skills and services over time and increase your revenue and overall bottom line.
Financial stability & trust
Reliable insurance companies are financially stable, which means they have the funds to support claims and meet their responsibilities to policyholders.
When an independent agent partners with a strong, reliable insurance carrier, their clients feel confident knowing their policies are backed by a company that will be there when needed. It helps create trust between you and your clients, something you need to maximize your revenue for long-term business success.
Independence and flexibility
As an independent agent, you’re your own boss.
While you partner with insurance companies, you retain control over your business operations and revenue, including choosing your clients and setting your schedule.
- Flexibility allows you to create a work-life balance that suits your lifestyle.
- Independence lets you market and brand your agency in a way that aligns with your vision.
Tips for selecting the best insurance company to maximize your revenue
We know how challenging it is to find the right insurance company to work with.
However, it’s increasingly important as it directly affects one’s ability to serve customers effectively, maintain a good reputation, and increase revenue.
To help you find the right fit, here are some of the top insurance company qualities an independent agent should look out for.
Research the insurance carrier’s reputation
Before you team up with an insurance carrier, it’s best to do some research.
Check the company’s reputation in the industry and among other independent agents. Do they pay claims on time and offer great customer service? What reviews do other agents give about working with them? Do they offer customer support?
Choosing a company with a strong reputation will not only build confidence with your clients but also help you gain trust as an agent.
Make sure to read online reviews, check their ratings with organizations such as A.M. Best and the Better Business Bureau, and ask other agents for recommendations. This will help you understand their reputation better.
Align product offerings with your niche
As an independent agent, you should consider whether the potential insurance company’s product lines align with your agency’s specialization and target market. Do they offer the types of coverage your clients need, like home or health insurance?
Working with a company offering products that fit your niche will support you in meeting your clients’ needs and increase your chances of higher revenue.
Streamline your operations with user-friendly systems
Insurance carriers with intuitive and efficient systems and processes can support independent agents in streamlining their operations and customer experience.
Look for a provider that offers user-friendly online platforms, automated processes, and great customer service. A company that excels in these areas will make your work smoother and provide a better experience for your clients.
Simplify the appointment process
Before you decide on a company, ask about their appointment process and how long it takes.
Some insurance carriers have a simple, quick process, while others may take longer and need more paperwork, First Connect on the other hand, streamlines the entire process for you!
Choose a company that makes it easy to get appointed so you can start selling their products and revenue commissions sooner.
Final thoughts
Independent agents succeed when they partner with the right insurance carriers. Make sure to consider factors such as commission structures, product variety, support, and technology so you can align with companies that empower you to maximize your revenue.
With our curated list, you can sell insurance quickly and enjoy the benefits of working with some of the best independent insurance agency picks. Take some time to research and choose the company that fits your needs and business goals.
FAQ
Which insurance company gives competitive commissions?
Although commission rates vary widely by company and product, Nationwide and Foremost provide competitive commissions than most other carriers. Still, the rates often depend on your experience and sales volume.
Can I get appointed and sell various carriers?
Yes, independent agents can work with multiple carriers, either through direct appointments or by joining an aggregator such as First Connect, which provides access to a wide network of insurers.
What is the most lucrative insurance niche?
Commercial insurance, particularly small business and specialty lines, is among the most lucrative niches due to higher premiums and renewal rates.
I just opened my agency, can I still get direct appointments?
Yes, but it may be challenging to secure appointments with certain carriers. Partnering with an aggregator like First Connect can help new agencies gain access to top carriers without meeting extensive credential requirements.
