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THRIVE

EAT THE LION'S SHARE &

Marcus Flesher

Alliance Development Director

208-938-4197

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FOOTPRINT & SCALE

$1M+
average agency size

$260+
million premium

240
agencies

34
states

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Active

Not Active

BENEFITS OF TRUE INDEPENDENCE

Your Choice

Having more than one option for your clients is certainly a benefit but more importantly we believe that the real power is in the choice for yourself. Working with several carrier partners will allow you to grow the type of agency that you want rather than the one a captive company tells you to grow. The world becomes your oyster when you go independent.

Flexibility

Starting a new agency can be very time consuming but eventually your efforts will pay off if the business is self-sustaining. Picture yourself working the amount of time that you want rather than the amount of time that’s required of you. More time to share with your family and loved ones while doing the things you want to do is the reward of independence.

Your Legacy

Whatever you choose to build can be passed down as your legacy. How do you want to be remembered and what impact do you want your agency to make when you’re done?

Your Destiny

Building what you want also gives you the control to build the lifestyle that you want for yourself and your family. Nobody can hold you back from reaching your goals.

Freedom

Nobody wants to feel like they are captive to someone else’s control. Going independent gives you the freedom you deserve as a business owner.

THRIVE

5 STAR GOOGLE RATING

105 Reviews

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Michel Hambrick
Former Farmers Agent

The team is always available to step in and assist whenever asked. If you're looking for a true partner that will help you grow your business, this would be an awesome company to partner with.

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Jorge Wetenkamp
Former AAA Agent

Amazing personalized service. Everyone on the team truly cares about the brand image and future of the company.

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Kristi Patton
Former Farmers Agent

I have been very pleased with the decision to go this route and my business has grown tremendously! I said a few years ago that I would never be a scratch agent, but here I am and I’m so happy!

MEMBER BENEFITS

Carrier Appointments

We work with each agent to make sure they get appointed with the carriers they need to be successful. Appointments are provided through a sub-code that gives you binding authority and a direct relationship with the carrier.

Training & Development

We train you on the operating systems, appetites of the carriers and their websites. Additional development is offered for agents that desire to learn complex commercial, life insurance and financial services. This development is performed through one-on-one training while the member is writing business and earning money.

Higher Commissions

More volume as a group means higher commissions for both of us.

Data & Analytics

Every member receives the Agency Dashboard (Power BI) to help them understand the details about the overall health of their agency. We empower our members with the data that can help them manage their business to perform at its highest potential.

Policy Downloading

We download the policy from Ivans for you. We then upload it into the client management system so that it’s there when you need to service your clients.

Commissions Reconciliations

Commissions are paid to Pacific Crest Services by the carriers. We reconcile them by accounting for any chargebacks, MVR or CLUE report fees that your agency accrued during the pay period. Commissions are paid on the 5th and the 20th of each month.

Compliance

Carriers want agents to maintain a compliant book of business. We regularly audit member books and notify them of any potential threats that could harm their carrier relationship or become a future Errors & Omission claim. We are looking out for your best interest.

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PRODUCTS

Get access to a full lineup of products and carriers

THRIVE

PERSONAL LINES

COMMERCIAL LINES

LIFE LINES

TOOLS

HawkSoft - Client Management System

There are several client management systems on the market today. We have chosen HawkSoft because of its capabilities to organize and track information efficiently while keeping costs economical for our agents. HawkSoft is hosted on a virtual server and all data is accessible 24/7 to both the agent and Pacific Crest Services.

EZLynx - Comparative Rating Software

One of the largest learning curves for agents is the process of quoting while comparing several carriers. EZlynx simplifies the task of quoting and comparing rates by collecting the data from each carrier and compiling it into one centralized location. After the agent has chosen a quote, it is easy to bridge to the carrier website where the policy can then be bound. EZLynx is one of the most commonly used rating software platforms in the country and they work with almost all Personal Lines carriers.

Microsoft Power BI - Agency Dashboard

Pacific Crest Services is proud to boast a proprietary business intelligence tool, the Agency Dashboard. This Dashboard provides our agents real time data on their agency and producers. Our agents have the ability to access their entire book of business at the click of a button, in one frame of view. Having this capability allows agents to focus on the health of their agency from anywhere at anytime without running reports through the Client Management System or going to each carrier site for their specific data. Production, retention, loss ratio, opportunities and Income reports can help an agent determine where to focus their time, energy and resources on a daily basis.

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Initial Investment - $2,500

Monthly Systems Cost - $350

Included

  • HawkSoft (Client Management System)

  • EZLynx (Comparative Rating Software)

  • Microsoft Power BI (Agency Dashboard)

  • Google (Email Business Solution)

Commission Splits

  • 80% / $0 - $2,000,000 (Premium)

  • 85% / $2,000,000 - $3,000,000 (Premium)

  • 90% / $3,000,000 + (Premium)

Profit Sharing Splits

  • 0% / $0 - $100,000 (Premium Per Carrier)

  • 50% / $100,000 - $200,000 (Premium Per Carrier)

  • 60% / $200,000 - $400,000 (Premium Per Carrier)

  • 70% / $400,000 + (Premium Per Carrier)

Profit sharing is calculated annually and paid out during the first quarter of the following year it was earned. 

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COST AND COMPENSATION STRUCTURE

FAQ's

Book Ownership

Members own their book of business and have complete control of their destiny.

Timeline to Receive Carrier Appointments

Members usually start to receive their first carrier appointments by the end of the first or second week after contracting. This timeline can depend heavily on the member’s availability during the on-boarding process and how quickly carriers are to respond to applications. Some things are out of our control; however, you can rest assured our staff is working diligently to expedite your appointments.

Commission Timeline

Members are paid in the same manner as the carrier pays Pacific Crest Services. Most P&C commissions are paid in whole. Members can expect to be paid their commissions on the 5th and the 20th of each month and the amount of time they can expect to wait is 30-45 days from the date the policy goes into effect.

Additional Fees

  • $4.50 Payroll fee per payroll period

  • MVR & CLUE report fees are reconciled against any commissions owed to members

Additional Staff

Pacific Crest Services charges $150 per licensed staff member per month. This cost is associated to the seats the staff member will need in HawkSoft and EZlynx. These systems will not allow agents to share logins.

Other States

Pacific Crest Services is licensed in 34 states. We encourage agents to write in multiple states if they are properly licensed to do so.

A HEALTHY AGENCY EXAMPLE

P&C Book Mix

Members are encouraged to write a strong amount of commercial lines. The complex nature of the product makes it less of a commodity than personal lines and clients are less rate sensitive.

 

Commercial risks often carry higher premiums than personal lines and can pay higher commissions. Agencies with at least 30% or more commercial mix have a far better bottom line.

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>30%
Commercial

<70%
Auto/Home

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>20%
Life

Life Insurance & Benefits Products

Building a well-rounded agency is very important and the more complex the product lines are the better the retention of your clients will be.

Pacific Crest Services offers a variety of ancillary products and carriers to their members and encourages agents to offer these products to their clients as much as possible and aim for at least 20% cross sold or more.

 

The compensation on these products can be very high and can make a very large impact to the strength of your bottom line.

Agency Growth

A healthy agency should grow at least $500K per year for the first 3 to 5 years. This model of growth will create a stable income stream while generating enough profitable premium to sustain a healthy relationship with your carrier partners. The right mix of business and choosing the right clients to write should prevent a high rate of attrition.

5th YR
1st YR
$500K
2nd YR
$1M
3rd YR
$1.5M
4th YR
$2M
$2.5M
5% Attrition
10% Attrition
15% Attrition
15% Attrition
15% Attrition

CARRIERS

The following carriers could have requirements that must be met in order to qualify and maintain the appointment. Please discuss the details with your Pacific Crest Services representative.

Progressive Auto

Progressive Home

Travelers Personal Lines

Travelers Commercial Lines

Safeco 

Liberty Mutual 

The Hartford

Nationwide Personal Lines 

Nationwide Commercial Lines

Allstate

Encompass

National General

Mercury

Chubb Personal  Lines

Chubb Commercial Lines

Kemper Specialty

Lemonade 

Branch

American Modern

Dairyland / Viking

Foremost

Bristol West

Aegis

Citizens

Foremost Signature

Peoples Trust

Markel

Great American Ins

Southern Oak

The General

Berkshire Hathaway Guard

Berkshire Hathaway Homestate

Slide Ins

Attune Builders & Tradesman

MetLife

Wellington

GeoVera

Edison Ins Co

Sagesure

Typ Tap

California Fair Plan

Employers

Security First

CNA

Heritage Ins

Swyfft

Granada Ins

Cypress P&C

American Traditions Ins Co

American Integrity

Texas Mutual

Olympus

Florida Peninsula

Tower Hill

Utica

Infinity

Frontline Ins

Universal Property & Casualty

Guide One

United Property & Casualty

Allied Trust

Wright Flood

Ski Safe

Florida Family Ins

Sublimity

Global Marine Ins

North Carolina Fair Plan

Farmers P&C Ins Co

Assurant Flood

The Surety Place

Abacus

US Risk

Frontier Bonding

Washington Fair Plan

Med James Inc

Sea Horse Underwriters

RPS

State Compensation Ins Fund

Pacific Star Ins

American Bankers

Bankers

Pacific Specialty

Homeowners Choice

RIC/CA State Fund

Monarch National Ins Co

Idaho State Ins Fund

Hagerty

TWIA

Cabrillo Coastal / Safe Harbor

Tokio Marine

Philadelphia

Hippo

NFIP

Neptune

Gainsco

NCIP

US Assure

FAIA

HCIT

Brashfield Associates

Grundy

Scottsdale Ins

Lexon Ins Co

Fidelity & Guaranty Ins Co

Main Street America Group

Homeowners of America

QBE

Southern Fidelity Ins

Progressive County Mutual

Anchor Ins California

Earthquake Authority

ING

Mapfre Ins

Mission Select

Federated National

CBIC

Prime Property & Casualty Ins

RLI

Next Ins

NCJUA

CNA Surety

Personal Umbrella

VYRD

Texas Fair Plan

Safepoint

Saif Corp

RLI Surety

Proper Ins

Universal North America

Columbia Lloyds

Flood Risk

Lighthouse

American Mobile

Gem State

Universal Cypress Ins Group

Vault Reciprocal Exchange

ICAT

Hiscox

AON Edge

Assurance America

RSG

US Liability

Hallmark

Alliance United

Diamond Ins Group

NCCi

Minico

S. Philips Surety & Ins Services

CCI Surety Inc

Tapco

Voyager

The Bond Exchange

AAIC

Century Surety Co

Equitrust

Evanston Ins Co

MGA's

Burns & Wilcox

Amwins

Hull & Co

Cochrane

BTIS

Ryan Turner Specialty

Texas Security General

Appalachian Underwriters

Scottish American

Orchid

Breckenridge Ins

Nationwide Brokerage Solutions

Bass Underwriters

U.S. Risk

Arrowhead Ins

Johnson & Johnson

Amsuisse

 

Concord

XPT Partners

McClelland & Hine

Allrisks

Irvin B Green & Associates

Peachtree Special Risk Brokers LLC

American Risk Management

K & K Insurance

Novatae

Halcyon Underwriters

Atlas

Texas Specialty Underwriters

Colonial General

SIS Ins Services

Legacy Underwriters

GIG Ins Group

Big Sky Underwriters

 

Frank Winston Crum

Velocity Risk Underwriters

CRC Ins Services

TAPCO Underwriters

Amelia Underwriters

BIG I

Griffin Underwriting Services

Delta General Agency

National Risk Solutions

Clearwater Underwriters

Apogee Ins Group

AMS Professional Liability

Jencap

Gateway Specialty Ins

USG Ins Services Inc

Brown & Brown

Shield Commercial Ins Services

St. James Ins Group

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