Selling P&C from home

Jun 24, 2019

  1. Lizzelbeez
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    Lizzelbeez New Member

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    Do you know of any carriers that will appoint you and allow you to sell from a home office/agency? I am needing to work from home due to my husband’s health and needing to be home more. I am licensed in P&C as well as Life Accident & Health.
     
  2. fed up
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    fed up Guru

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    Farmers used to allow this and I'm sure you can find some smaller carriers but most majors want an office which they can brand in company color schemes. and since some P&C customers CAN be really weird, do you want them coming to your home to make a premium payment or to make an endorsement?
     
    fed up, Jun 24, 2019
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  3. rbadoux
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    rbadoux Expert

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    Most carriers like to see a physical office location. However if you are 100% home based, get appointed with MGA's instead. They usually don't require a physical location to write business with them
     
    rbadoux, Jun 24, 2019
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  4. marindependent
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    marindependent Guru

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    Many carriers will not allow this, sad as it is to say.

    There are several ways around this though, none of them being perfect.
    1. Join and use a cluster that knows what they are doing. Broach the subject with them when you interview them.
    2. Sign up with a REGUS type office and use them as your professional address. Some carriers will accept this.
    3. Focus on Commercial P&C. Work from home for commercial seems to be slightly more common.
    4. Go to selling life insurance. This is far more normal in Life then P&C.
    Best of Luck in your business venture.
     
  5. BADTROUT
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    BADTROUT Guru

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    @Lizzelbeez Of the nearly 30 agencies we have started in the last year I can tell you that just shy of half of them work selling P&C out of their home. It is more conducive to selling commercial lines than PL of course, but it certainly isn't something that is a hindrance like it used to be 10 years ago.
     
    BADTROUT, Jun 26, 2019
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  6. Mike007
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    Mike007 Expert

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    You can get an appointment using a home office for Life and Medicare. So why don't you test out Final Expenses & Medicare first?

    As for your P&C, find a local agent that allows you to place your clients there for the meantime and split commissions with him/her. Just make sure you have in writing that one day, you may be pulling out your clients as you get your own P&C appointment.
     
    Mike007, Jun 26, 2019
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  7. Steven Chesnut
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    Steven Chesnut New Member

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    Just getting appointments is the easy part. Running an agency is totally different. Best advice is work from home as agent. In in FL let me know.
     
  8. Dreamiekid
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    Dreamiekid Expert

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    Getting the first appointment is not easy. After you get then it’s a bit easier.
     
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