Carriers & Appointments

Manage carrier appointments and commission splits

Carriers & Appointments

Manage which carriers you're appointed with, set commission structures, and control underwriting appetite.

Your Carrier Roster

View all appointed carriers at Settings > Carriers.

Each carrier shows:

  • Name (with carrier logo)
  • Status (Active, Inactive, Pending)
  • Commission Split (standard and new business rates)
  • Appetite (Full, Selective, Closed)
  • Last Quote (when you last shopped this carrier)

Adding a Carrier

Appoint a New Carrier

  1. Go to Settings > Carriers
  2. Click Add Carrier
  3. Search by name (e.g., "State Farm", "Travelers")
  4. BindPilot auto-populates carrier info (address, phone, rating data)
  5. Set your appointment details:

Commission Structure

Standard Commission: Your default rate (e.g., 15%)

New Business Commission: Higher rate for new policies (e.g., 18%)

Renewal Commission: Explicit renewal rate (optional; defaults to standard)

BindPilot tracks commission earned per policy and per carrier for commission reconciliation.

Underwriting Appetite

Control which risks you want this carrier to see.

Options:

  • Full — Accept all risks (default)
  • Selective — Customize appetite
  • Closed — Don't quote this carrier

Selective Appetite:

  • Exclude zip codes (e.g., high-hazard areas)
  • Exclude risk types (e.g., no business use auto)
  • Exclude claims history (e.g., no more than 1 claim in 3 years)
  • Set minimum/maximum coverage limits

When you run a comparative quote, BindPilot only returns carriers whose appetite matches the risk.

Renewal Settings

Auto-Shop Days: When should the Renewal Agent re-shop this carrier?

  • Standard: 60 days before expiration
  • Early: 90 days (for carriers with slower turnaround)
  • Late: 45 days (for carriers with quick decisions)

Editing a Carrier

  1. Go to Settings > Carriers > [Carrier Name]
  2. Update commission splits, appetite, or renewal settings
  3. Click Save

Changes take effect immediately for new quotes.

Deactivating a Carrier

You can temporarily pause a carrier without losing appointment data:

  1. Click [Carrier Name] > Deactivate
  2. The carrier disappears from new quote shopping
  3. Existing policies and renewal tracking continue
  4. Re-activate anytime

Removing a Carrier

Permanently remove a carrier (use cautiously):

  1. Click [Carrier Name] > Remove
  2. Historical data is archived but inaccessible
  3. Cannot be undone without contacting support

Carrier Performance Metrics

BindPilot tracks per-carrier metrics (available in Analytics > Carriers):

  • Quotes Generated — How many times you quoted this carrier
  • Policies Placed — How many policies bound
  • Close Rate — % of quotes that became policies
  • Average Premium — Your average premium per risk type
  • Commission Earned — Total commission earned

Use this data to:

  • Identify over/under-leveraged carriers
  • Negotiate better commission splits
  • Decide which carriers to emphasize in sales

Next: Set up renewals to auto-shop carriers at renewal time.

Last updated: Recently