Can I work for more than one insurance company?

Can I work for more than one carrier at a time? I recently left my last employer and I am thinking of opening up my own insurance agency.

“Congratulations, starting your own agency will be an adventure!
Yes, you can write policies with more than one carrier, depending on the contract you set up with each carrier. Keep in mind that not all insurance providers allow their products to be sold with other insurance.
GEICO and State Farm are good examples.
They are both considered captive insurance agencies. This means your local GEICO and State Farm agents can only sell and manage their own respective books of business. They cannot sell or service any other insurance carrier.
If you would like to work with more carriers, you will want to become an independent agent or insurance broker. Insurance brokers work for the customer, not the insurance agency.
Some companies will allow their business to be written by an independent agent, such as:
To get started, you will need to make sure that your licenses are in order and you will need to contact multiple carriers to set up a contract.
Also see if buying a book of business is an option. There are times when insurance agencies are shutting down or an agent is retiring. They will sell their existing customers and this will give you a little head start.”
Shannon Martin
Answered on Jul 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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