How would I access carriers as a new agency?

Market access is one of the hardest parts of starting an agency. We expect to help coordinate options, but we can't guarantee any appointment or arrangement.

I have a non-solicit agreement. Can I apply?

Yes, but you must honor your agreements. We will not ask you to violate them, and we'll discuss how they affect timing and approach.

Our focus is commercial lines, where relationships and expertise matter most. Some agencies add personal lines over time.

You've built the book. Own the agency.

Renewals should build your asset, not someone else's.

We're looking for experienced Bay Area commercial insurance producers who want to go independent. We help the people we back get launched, access markets, find prospects, and handle the business side.

Apply now What we do

No fee to apply. About 5 to 8 minutes.

Where we're starting

Built for the Bay Area. Five counties first.

Every business in the first cohort launches in one of five counties. That is where we know the market, the licensing, and the neighborhoods, and where we can show up in person.

Marin CountySan Rafael, Novato, Mill Valley
San Francisco CountyThe city, all neighborhoods
San Mateo CountyDaly City to Menlo Park
Alameda CountyOakland, Berkeley, Fremont, Hayward
Contra Costa CountyWalnut Creek, Concord, Richmond

Live outside these counties? Apply anyway and tell us where. We expand based on where strong candidates are.

Why ownership

Why owning this business is worth it.

Renewals build a real asset

Commercial policies renew. A book of business you own has lasting value and predictable income.

Clients buy from people they trust

Business owners stay with the agent who understands their risks and picks up the phone. That should build your agency, not someone else's.

Room to add producers

Independent agencies grow by adding producers and account managers. That is a durable business with real enterprise value.

The honest part

What usually makes it hard

Most people who are excellent at this work never start a company. It is rarely the work that stops them. It is everything around it.

Getting agency licensing, E&O coverage, and entity setup right
Getting appointed with carriers or accessing markets as a new agency
Finding prospects without a corporate brand or marketing team
Choosing and setting up an agency management system
Servicing accounts, certificates, and renewals while selling
Non-solicit and non-compete restrictions from prior employers

What Framework does for a commercial insurance business

You bring the skill and reputation. We help build everything around it.

If selected, we build a launch plan with you. It includes:

Agency setup
Licensing and compliance coordination
Carrier and market access coordination
Brand and website
Prospect acquisition
Agency management system setup
Quoting, servicing, and renewal workflows
Phones and inquiry response
Billing and bookkeeping systems
Hiring and growth

The specifics depend on the business and on you. We work them out together, in writing, before anyone commits.

No fee to apply. About 5 to 8 minutes.

Apply now

Who we look for

Who is a strong candidate

We care more about your ability and ambition than whether you've started a business before.

Several years of commercial lines experience
Active California property and casualty producer license, or a realistic path to it
Strong relationships with business owners
Organized and detail-oriented on service
Genuine desire to own an agency

Licensing and eligibility

In California, selling insurance requires a producer license issued by the Department of Insurance, and agencies require a business entity license. Carrier appointments and market access are not guaranteed. Applicants must honor any restrictions in prior employment agreements. We can help coordinate the process, but you must meet all applicable requirements to operate.

Applicants must satisfy all applicable licensing, professional, and regulatory requirements for their field. Framework can help coordinate the process but does not grant, waive, or substitute for any license or credential.

The Framework deal

We invest up to $25,000. We take 7%.

Read the full terms

We put up to $25,000 into customer acquisition for each business we back.
Framework also covers year-one setup and software costs where applicable, and works alongside you on systems, hiring, and growth.
You own and control the company.
There is no franchise fee and no ongoing royalty.
If your business becomes more valuable, our 7% becomes more valuable too.

Some regulated professions, including law practices, require a different legal structure with similar economics. We review the exact terms with you, in writing, before anyone commits.

Questions

Common questions

Ever seriously thought about owning your own commercial insurance business?

Tell us about your experience. If it looks like a fit, we'll set up a conversation. No fee, no commitment.