Personal Lines Markets

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Personal Lines Products for Smaller Agencies

IIAT Advantage helps members agencies regain or grow their personal lines business through an innovative joint venture with top carriers. Several of these agencies have grown sufficiently to meet the program's profitability and other requirements, and have graduated to a direct, full-appointment with the carrier.

Standard Personal Lines Offered Through:

  • Travelers Property Casualty
  • The Hartford
  • Safeco Insurance
  • UPC
  • Cypress Texas Insurance
  • Tower Hill Specialty

How the program works

  • IIAT has joined forces with Travelers Property Casualty, The Hartford, Safeco, UPC Insurance and Cypress Texas to help established small and primarily suburban IIAT member agencies unable to meet one or more company direct appointment requirements for standard personal lines products due to volume requirements or agency location.
  • IIAT identifies prospective agencies, screens for acceptable loss ratio, location and financial information for the companies and seeks an appointment with the appropriate company. 
  • IIAT staff provide training, help the agency staff learn company business processing procedures, review agency progress and provide ongoing support and communication.

Appointment criteria

  • Agency owner/principal must have at least two years insurance experience
  • Acceptable three-year loss ratios (may still qualify if in business less than three years)
  • Agency location must meet the company's marketing plan 
  • Company approval required for appointment
  • Agency must demonstrate favorable financial condition
  • Agency must maintain an E&O policy with at least $1,000,000 limits
  • Agency storefront preferred

Products offered

  • Personal auto
  • Homeowners
  • Dwelling fire
  • Boat coverages
  • Inland marine
  • Umbrellas
  • Flood
  • Non-standard auto

Program features

  • Low minimum volume requirements
  • All policies written on direct bill basis
  • Competitive commissions on new and renewal business
  • Competitive pricing and coverages
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For More Information Contact:

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Lisa Webb
Director of 
IIAT Advantage Markets

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Donna Biles, CIC
Marketing Operations
Member Services