For Licensed Agents
Stop Fighting for Appointments. Start Writing Business.
Bright Coast Insurance is a Florida-based independent agency appointing licensed P&C agents with access to top commercial carriers — workers' comp, general liability, commercial auto, and more. No franchise fees. No production minimums to start.
Getting Carrier Appointments in Florida Is Hard. We Make It Simple.
If you have recently passed your 2-20 or 4-40 exam, you already know the frustration: carriers want production history you do not have yet, networks like SIAA charge $20,000 upfront and require three years of experience, and captive agencies lock you into one carrier's products with no flexibility to serve your clients.
Bright Coast Insurance was built by agents who lived through that same struggle. We appoint licensed agents with access to our carrier relationships — so you can write commercial lines business in Florida from day one, without the gatekeeping. Our focus is the Florida contractor market: roofers, electricians, plumbers, HVAC contractors, and general contractors who need workers' comp, general liability, and commercial auto fast.
Whether you are a brand-new licensee who cannot get a direct appointment, a captive agent who wants the freedom to offer clients the best option instead of the only option, or a bilingual producer ready to tap into Florida's underserved Spanish-speaking contractor market — there is a place for you here.
What You Get
What Bright Coast Agents Get Access To
Carrier Appointments
Access to admitted and non-admitted carriers for workers' comp, general liability, commercial auto, BOP, and umbrella — without building those relationships from scratch.
Contractor Niche Playbook
Our specialty is Florida contractors: roofers, electricians, plumbers, HVAC, general contractors. You get proven workflows, class code knowledge, and audit defense tools.
Agent Portal Access
Quotes, submissions, COI requests, and production tools in one place. Built for speed — same-day certificates of insurance are our standard.
No Franchise Fees
We do not charge upfront fees to join. You earn commissions on what you write. No $20,000 buy-in. No 3-year experience requirement before you can participate.
Back-Office Support
Certificates of insurance, policy servicing, audit support, and carrier communication handled by our team — so you can focus on selling.
Bilingual Capability
Serve Florida's massive Spanish-speaking contractor market with bilingual tools, landing pages, and support. A market most agencies are not equipped to reach.
Is This Right for You?
Who This Opportunity Is Designed For
New 2-20 / 4-40 Licensees
Just passed your exam and can't get direct carrier appointments yet? We give you a home base with real carrier access from day one.
Captive Agents Seeking Freedom
Tired of being locked into one carrier's products? Join an independent agency where you can offer clients the best option — not just the only option.
Bilingual Producers
Spanish-speaking agents who want to dominate Florida's underserved Latino contractor market with the tools and support to do it right.
Experienced Commercial Producers
Seasoned agents looking for a commercial lines specialty with strong contractor market access and a team that understands the niche.
Agency Owners Adding Commercial Lines
Personal lines agencies that want to add commercial lines revenue without building carrier relationships and back-office workflows from scratch.
Our Specialty
Florida Contractors Insurance — A Market Built for Independent Agents
Florida's contractor market is one of the largest and most active commercial insurance segments in the country. Roofers, electricians, plumbers, HVAC contractors, general contractors, and concrete workers all need workers' comp, general liability, and commercial auto — and they need it fast. A missed certificate of insurance means a missed job start.
When you join Bright Coast, you are not starting from zero. You step into a proven niche with established carrier relationships, a deep knowledge base on Florida workers' comp class codes and experience mods, and a reputation built on same-day certificates of insurance. Our agent portal is built around the speed this market demands.
How It Works
Three Steps to Get Started
Apply Through Our Agent Portal
Submit your license information and background through the Bright Coast agent portal. The process takes about 10 minutes.
Onboarding & Carrier Appointments
We walk you through our carrier appointments, systems, and contractor niche playbook. Most agents complete onboarding within one to two weeks.
Start Writing Business
Begin quoting and binding commercial lines coverage for Florida contractors. Our back-office team handles COIs, servicing, and audit support.
Common Questions
Do I need prior commercial lines experience to join?+
Are there production minimums or franchise fees?+
What carriers will I be appointed with?+
Can I keep my existing personal lines book?+
Do you support bilingual agents?+
What is the difference between a 2-20 and 4-40 license for this opportunity?+
How quickly can I start writing business?+
Ready to Stop Fighting for Appointments?
Join Bright Coast Insurance and start writing commercial lines business in Florida with real carrier access, a proven contractor niche, and a team that supports your growth.