Keep 100% of Your Commissions. Own Your Book. Let AI Handle the Rest.
BrightCoast gives independent insurance agents carrier access to 40+ markets, a custom-built AMS, and AI agents that do the work of 2–3 CSRs — starting at $497/month.
The Insurance Industry Is Rigged Against Producers
The Franchise Trap
Goosehead, Brightway, and Estrella charge $25K–$60K franchise fees, take 50% of your renewal commissions, and don't let you own your book. You build the business. They own the asset. If you leave, you walk away with nothing.
The Solo Struggle
Going fully independent means 12–18 months getting carrier appointments, $150K+ in startup costs, and hiring staff before you write your first policy. Most solo agencies fail within 2 years because they run out of cash before they build enough volume.
The Cluster Compromise
Agency networks like SIAA give you carrier access but no technology, no AI, no marketing support, and limited control. You're on your own with a shared agency code and a CRM from 2015.
There's a better way. BrightCoast gives you everything you need to build a real agency —
without giving up your commissions, your book, or your sanity.
One Platform. Three Ways In. You Choose Your Level.
Start lean at $497/month with carrier access and a modern AMS. Scale up to AI automation, dedicated support, and managed marketing.
Carrier access + AMS. Start writing business immediately.
Add AI agents + VA support. Buy your book after month 12.
Full ownership from day one. Dedicated team. Full marketing.
Book ownership progression: BrightCoast owns → Buyout path → You own
See Full Pricing DetailsThe Technology That Replaces Your Back Office
Our AI agents reduce administrative workload by 60–70%, allowing one producer with one CSR to manage a book that traditionally requires 3–4 staff members.
Cloud-based, multi-tenant agency management system built from the ground up for AI integration. Client management, policy management, commission tracking, document storage, task workflows, reporting dashboards, and a client-facing portal. Every BrightCoast agent gets their own instance configured under their agency name.
- Client & policy management
- Commission tracking & reporting
- Document storage & workflows
- Client-facing portal
- Built-in AI integration layer
Six task-specific AI agents that handle the administrative work that buries most agencies.
Prepares complete carrier submissions from raw prospect data in minutes, not hours.
Compares issued policies against quoted terms and flags discrepancies automatically.
Handles COI requests, tracks additional insured requirements, manages cert holder databases.
Starts renewal process 90 days out, identifies accounts needing remarketing vs. straight renewals.
Monitors public data sources to identify businesses that need insurance and routes leads to you.
Drafts professional correspondence, policy summaries, and coverage recommendations.
Reduction in administrative workload. One producer + one CSR manages what traditionally requires 3–4 staff.
Transparent Pricing. Real Numbers.
No franchise fees. No commission splits. One flat monthly subscription — you keep everything you earn.
Get started with carrier access and a modern AMS.
- Carrier access to 40+ A-rated markets
- Agency Nexus AMS — your own instance
- 100% commission retention¹
- Compliance oversight & carrier appointment mgmt
- Standard reporting dashboards
- AI agents
- VA support
- Marketing execution
- Book ownership
Add AI power and start building toward book ownership.
- Everything in Launchpad
- Full Sourcy AI Agent Suite (all 6 agents)
- Shared VA support (1 VA per 4–5 agents)
- CRM automations for referral partner tracking
- Monthly strategy call with account manager
- Book buyout available after month 12 at 1.0x trailing commissions
Full ownership. Full AI. Full marketing team. Your agency, your way.
- Everything in Accelerator
- You own your book of business from day one²
- Priority VA support
- Sourcy Growth marketing execution — strategy, content, social media, email campaigns, and event promotion included. You fund your own ad spend separately.
- Quarterly business review with BrightCoast leadership
- Priority access to new carrier appointments
- 100% commission retention¹
Book ownership note: You retain all policy expirations and client relationships. Carrier appointments are held by BrightCoast. Upon departure, you are responsible for obtaining your own carrier appointments and processing Agent of Record changes during the 90-day transition period.
Full Feature Comparison
| Feature | Launchpad | Accelerator | Producer Pro |
|---|---|---|---|
| Monthly Cost | $497 | $1,497 | $4,497 |
| Carrier Access (40+ markets) | |||
| Agency Nexus AMS | |||
| AI Agent Suite (Sourcy) | — | ||
| VA Support | — | Shared | Priority |
| Marketing Execution | — | — | Strategy & execution included (ad spend separate) |
| Book Ownership | BrightCoast | Buyout Path | YOU OWN |
| Commission Retention | 100%¹ | 100%¹ | 100%¹ |
| Minimum Term | 12 months | 24 months | 24 months |
¹ Commission Transparency: Agent retains 100% of standard carrier commissions on all policies written. BrightCoast may receive override commissions and contingent profit-sharing from carriers based on aggregate network volume. These override payments are made by carriers to BrightCoast and do not reduce agent commissions.
See How BrightCoast Compares
BrightCoast Producer Pro vs. the major alternatives. The math speaks for itself.
| Model | Entry Cost | Ongoing Fees | Commissions | 📋 Book Ownership | AI/Tech | Marketing | Time to Start |
|---|---|---|---|---|---|---|---|
| BrightCoast Producer ProYou | No franchise fee — $4,497/mo subscription | $4,497/mo flat subscription | 100% | YOU OWN | Managed (you pay spend) | Days | |
| Goosehead | $25K–$60K fee | 50% renewals | 50% renewals | THEY OWN | Limited | 3–6 months | |
| Brightway | $30K–$50K fee | Commission split | Varies | THEY OWN | 3–6 months | ||
| Estrella | $15K–$25K fee | Commission split | Varies | THEY OWN | Limited | 2–4 months | |
| SIAA | Membership fee | Override split | Varies | THEY OWN | 1–3 months | ||
| Go Independent | $150K+ startup | None | 100% | YOU OWN | 12–18 months |
Everything You Need. Nothing You Don't.
BrightCoast was built by insurance professionals who believe producers deserve better economics, better technology, and real ownership of what they build. We know what it takes to grow a book, and we built the platform we wished existed when we started.
- Carrier access from day one40+ A-rated markets, no waiting period
- Technology that actually worksAgency Nexus AMS + Sourcy AI Suite
- A path to ownershipBuy your book or own it from day one at Producer Pro
- Real support, not a call centerDedicated account managers and VA support
- Valid P&C license in your operating state
- E&O insurance — minimum $1M per occurrence (BrightCoast can assist with group rates)
- Completed BrightCoast onboarding
Straight Answers to Real Questions
Ready to Own Your Agency?
Book a free 15-minute call. We'll walk through the platform, answer your questions, and help you pick the right tier.
Fill out the form below and we'll reach out within one business day to schedule your call. No sales pressure — just a real conversation about whether BrightCoast is the right fit.