A wholesale insurance broker provides retail brokers access to a variety of insurance carriers. Instead of directly selling to customers, insurance wholesalers provide agents with access to more carriers, allowing those agents to better serve and expand their customer base through offering more carrier options and insurance lines.

An insurance aggregator can mean a couple of things in the insurance industry. Agency aggregators are networks of small agencies that are formally associated for mutual support, utilizing their network for higher commissions and/or profit share. You may also see insurance aggregators refer to comparison shopping sites, offering quotes from various carriers for an insurance policy.

On the surface insurance aggregators and wholesalers are very similar as they both are designed to help small insurance agents improve their business. However, bolt access is uniquely positioned as a wholesaler who aggregates sub-agent’s volume with placement specialists who adhere to carrier guidelines and offer appointment and carrier products while allowing agencies to continue to operate independently and still own 100% of their book.

An agency management system, or AMS, is software that insurance agencies use to organize their book of business while improving their agency operations. bolt access offers agency management tools that help our agents store, track, prioritize, and follow up on their customers and potential leads.