#1 Digital Commercial Insurance Platform for Agents™

Hey Prospective & Current Hiver's,

Here are the top questions from your fellow agents:



Currently we are licensed to write business in 22 states. With plans for other states rolling out in Q3 of this year. To request a state be added in our priority waiting list, send us a quick email and we will place in our que for future roll out or if you don't see your state, contact us for an updated list. Active states are: MI, FL, PA, IL, OH, WI, IN, KY, IA, TN, MO, SC, NC, NV, VA, WA, OR, AZ, CO, KS, TX, GA
It’s simple, just click on JOIN THE 'HIVE' TODAY and complete a short application to get appointed and our territory marketing director for your state will contact you.
Once you apply, your appointment will be activated upon verification of your credentials and acceptance into the Hive by our marketing and licensing and compliance team. Usually 3-5 business days.
InsureHive requires you to be an active licensed property & casualty agent with your state department of insurance. In addition, we require you to have an E&O policy with at least $1MM limits that is written with an AM -Best company rated A or higher. E&O coverage needs to remain in force in order to maintain access to the platform.
We have no premium volume requirements, but producer benefits increase as your premium hits $100,000. So our goal with every producer is to get you to at least $100,000 in written premium with us in first 24 months. Our marketing team will work their tails off to assist you to accomplish all your growth goals.
The expirations are the producers property and will be left in the producers possession. However, if you do decide to ever sell your agency, the Insure Hive acquisition team requests the first right of refusal to acquire your agency’s assets if you decide to sell. It’s a win-win.
No, there is no fee to you as a producer to access the Insure Hive’s technology platform and carrier marketplace; it’s totally free. We make our money just like you… only when a policy is sold do we earn a small commission of the net premium from the carrier.
No- It’s free for our licensed producers. One of the greatest benefits of being a producer of the Hive and booking policies through our platform is you don’t have to waste your valuable selling time answering billing questions, processing “what if quotes” and general time consuming service requests that drain you and your staff’s valuable time with small accounts. We do all the back office admin work for you.
No. InsureHive holds the direct appointment with the carriers. We appoint you as a sub-producer through Insure Hive to get access and get paid commissions with all the carriers.
Ouch that would sting. We hope that doesn’t happen, but you will still be able to log on to the website and continue to service any existing clients. You will not receive renewal commission on any business you have in force and you will be unable to submit new business until your producer agreement is re-activated and accepted back into the Hive.


You as the agent collects the initial premium payment from your insured with a credit card or EFT. Then the carrier partner bills your client direct. The client pays the carrier. The carrier pays Insure Hive™ and then the Insure Hive™ accounting team mails you a commission check on the 20th of every month (with a detailed commission statement included). NOTE: Direct deposit is available as well. InsureHive also has a partnership with PayPal and can wire commission checks into any active PayPal account.
Charging a Broker Fee is between you and your client, and is contingent upon your state laws.
Yes. Before you purchase a policy for your client, you will be offered payment options for your client.
Yes. You are responsible for collecting the initial down payment or if your client pays their policy in full you would collect that and then at renewal time all the policies you place through Insure Hive™ are on a direct-bill basis.


  • Log in to your account at InsureHive.com
  • Click get started and the application wizard will guide you through the quoting and submission process.
  • Review your quote proposal options and present to your client.
  • Log back into your InsureHive account to request binding. That’s it!
Within your account, you can use the live chat feature, or just call, text or email one of our product experts to discuss product availability in your state.
The InsureHive.com quoting platform is able to return a bindable quote in less than 7 minutes. If underwriting intervention is required, quotes may take 2-4 hours.
Each carrier has its own underwriting guidelines. Your client's risk profile will not fit all guidelines for every carrier. You will usually receive two to three quotes for each risk you submit.
Claims are handled by the carrier and all claims should be reported directly to the carrier by the insured. Your client's policy will have a toll free number where they can contact the carrier directly.

Endorsements, certificates, and billing questions can all be requested online or through our direct carrier service center option.

InsureHive provides you direct access to most carrier service centers for service processing with our carriers. Service requests can also be requested through your InsureHive online account.

No. InsureHive’s parent company, Hannigan Specialty Group, LLC holds the direct appointments with the carriers so they are listed as the licensed producer. If a client accidentally contacts InsureHive directly, we provide them with your name and phone number and direct them to call you.
Yes, with some carrier partners you will. However, with other’s you will NOT have binding authority. It all depends on the product line and carrier appetite.

Yes, at your insureds renewal date we can process AOR’s for you, no problem.

They must be submitted at least 30 days prior to renewal date. Once your producer agreement is activated with us, you will have access to instructions within your online account outlining how to submit AORs to our underwriting team.

Yes. InsureHive employs a dedicated book rollover team to assist you in 4 easy steps for a streamline book roll:

  • Email your request listing: the carriers name, the reason for the roll, the loss ratio, the type of business in the book, and total premium.
  • Once this information is received, the InsureHive management will review it.
  • We will contact the carrier for its review.
  • If the carrier approves, the book will be moved to InsureHive on your behalf.