Start your independent insurance agency.

Direct Carrier Appointments, a 90% Split, and a Money-Back Guarantee.

Firefly is an independent agency network that gets experienced P&C agents appointed fast, then gets out of the way. You bring the experience. We bring the carriers, the tech, and the plan.

Backed by our money-back guarantee.

  • 90%Commission on new business and renewals
  • ~72 hrsTo your first carrier appointments
  • 50+Carriers in the network
  • 35States served
  • $0Upfront fee at risk, with our money-back guarantee

Carriers Want You to Bring a Book. You Need Carriers to Build One.

That’s why most captive agents stay captive. Going independent alone means months of paper applications, production minimums you can’t hit yet, and a lot of “not at this time.” Meanwhile, you’re building a book somebody else owns.

Firefly breaks the loop. You join, we handle the appointments, and you start writing with carriers that want your business.

Which one sounds like you?

What Is Firefly Agency?

Firefly Agency is an independent insurance agency network for experienced property and casualty agents, and producers. Agents who join Firefly get direct appointments with carriers including Progressive, Travelers, Nationwide, and GEICO. They keep 90% of commissions on new business and renewals, with no production tiers, and they own their book. Firefly’s Carrier Infusion process handles appointment paperwork electronically, and Firefly provides the technology and training to launch. Firefly works with agents in 35 states.

We built Firefly for agents who are good at insurance and are ready to bet on themselves.

  • 2005Founded
  • 500+Agents in the Firefly network
  • 4,000+Carrier appointments processed
  • Up to 17New agents launched a month. We stay selective so every one gets real support.

More Options for Your Clients. More Control for You.

You’ll Get Direct Appointments

Quote, bind, and service in carrier systems yourself. No broker in the middle, no waiting.

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Pick the Right Carrier for Each Client

No per-carrier production minimums. Place business based on fit, not a quota.

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Keep Your Outside Appointments

We’re not exclusive. Keep carriers you already have, and Firefly doesn’t take a cut on that business.

Learn More

See the Carriers in Your State

Click your state to see your carrier lineup.

Carriers available through Firefly include those shown below, and more. Your lineup depends on your state.

States Firefly serves: Alabama · Arizona · Arkansas · Connecticut · Georgia · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Maine · Maryland · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Mexico · North Carolina · Ohio · Oregon · Pennsylvania · South Carolina · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin

A Clear Split. A Business Worth Building.

90% On new business and renewals. From day one. No production tiers to unlock it. Firefly keeps 10% on business written through Firefly carriers. Run Your Numbers

Startup Costs, Stated Plainly

A $1,000 upfront fee covers onboarding, appointment coordination, and initial training.

A Book You Own

Build your book under your own agency name. Your agreement spells out ownership, sale, and transfer rights before you sign.

Leave With 30 Days’ Notice

No multiyear contract. Separation fees and policy transfers are in the agreement, so there are no surprises.

Money-Back Guarantee

Make back at least your upfront fee within six months, or Firefly pays you the difference. All you have to do is quote 75 unique prospects in that time. How the guarantee works

Three Ways to Go Independent

How starting from scratch, a typical agency network, and Firefly compare on the things that decide your first year.

Feature On Your Own Typical Agency Network Firefly
Book required to get appointed Usually Often No
Time to first appointments Months Varies About 72 hours
Production per carrier minimums Yes Yes None
Commission split 100%, if appointed Varies by tier 90%, day one
Vesting period None 2–10 years None

Comparing specific networks? Read Firefly vs. SIAA.

How It Works

  1. 1

    Check the Fit

    Talk through your P&C experience, your state, and your plans for the agency.

  2. 2

    Review the Details

    See your carrier lineup, the fees, the split, and the agreement before you commit.

  3. 3

    Get Appointed

    Complete electronic applications. Carrier Infusion sends them to every carrier in your state.

  4. 4

    Start Writing

    Write with your first carriers while the rest of your lineup comes online.

How fast? A few appointments typically land within 72 hours. Most are done in 30–40 days. One or two carriers can take up to 60.

From Captive Agent to Agency Owner

Justin, a former captive agent, built an independent agency from home with Firefly. Here’s his first year.

  • 12+Carrier appointments
  • $60KAverage monthly premium in year one
  • $5M+Total premium written

Figures from Firefly’s case study with Justin. Premium is not agency revenue or profit. One agent’s experience; results vary.

Read Justin’s Story

Agents Who Made the Move

4.6 average from 64 reviews on Google

★★★★★

Danielle at Firefly is amazing! She’s incredibly communicative, easy to reach, and always takes the time to explain everything in a way that’s easy to understand. We’ve run multiple insurance policies through Firefly, and Danielle has made the entire process simple and stress-free. We would highly recommend her to anyone looking to simplify their insurance policies and make sure they’re getting the right coverage. Great experience all around!

Jill Schneibolk Wolfrey · Aug 2026
★★★★★

If you are looking to start your own P&C Agency this is the place to do it. Bill, the initial gentlemen we got in touch with was accurate with his information and up front with the setups and expectations. TJ, who trained us on the back end and with all of the carriers truly supports you. He gets back to you; he helps and educates at every interaction so you can start successfully and shorten the learning curve. You pick Firefly because they answer the phone, reply to your email, and help you every step of the way. Thank you to the Firefly Team!

Brandon Allison · Apr 2025
★★★★★

TJ is great!

Leslie Vogel · Feb 2025
★★★★★

working with the commercial team at Firefly was a great experience. The training was very efficient and the onboarding with great carriers has been great! I made the right decision to work with firefly!

Chase Applegate · Nov 2025
★★★★★

Joining Firefly- I did a ton of research before becoming an Independent Agent . If you are looking into an independent agency then you know who all of the big players and most of these companies are aggregators, clusters and networks, not Firefly. Firefly is an Agency, so there are no production requirements for the individual agents. You will receive direct appointments, which take place immediately and their agent support is second to none. Before I signed a contract, I called a random agent in another state. The agent was very satisfied a few years into the new agency , I too am a few years in and am completely satisfied . Best of luck! Bill~ Pennsylvania Agent

william shanahan · Feb 2025
★★★★★

From the first call with Bill at Firefly, to meeting with Hans to start my Firefly journey, I just knew that this was a company that truly cares and wants to help agents succeed in agency ownership. The Commercial orientation was top notch and so well put together - I am a seasoned agent but this orientation just absolutely furthered my knowledge. I have only been with Firefly for 2 weeks....and I have been appointed with 10 carriers and have been quoting all week! The marketing reps partnered with Firefly are amazing and I feel confident that we are all here to support each other in our successes. I just bound a high premium policy in just 2 weeks! Any concerns I had opening my own agency have been washed away by the amazing support and guidance Firefly has provided!

Kelly · Sep 2024
★★★★★

My relationship with Firefly started out more or less rocky. Once I took a step back I realized this was because of me. My background was CSR for an agency that turned into me being the only agent with an MIA owner for 3.5 of the 5 years I was there. After I left the place closed. I felt like I had done my customers so dirty I had no choice but to open my own agency for them. This is when I found Firefly. I was pretty happy with the direct appointments I was able to get. I am now selling policies with the companies I would cringe to quote against. But this is where the problem started. Why do I have to document every little thing I do? I'm old school. I like my file cabinet with my paper trail telling me everything I need. My way is the only way.... HAHAHAHA no. That is nonsense. If my way was working I wouldn't be sniffing around Firefly to start with. Next... I spent 5 years selling Commercial policies... I'm Licensed.. I do my CE.. why do I have to do more?! If you find yourself in this same mind set you need to take a big step back. For me, I had to let go and hit reset. I had to allow myself to accept my way is not the only way. Firefly gives you all the tools you need and more. I can imagine I am a bit harder to work with being hard headed and all, but they have showered me with patients. They have given me the helping hand I needed even when I was too pig headed to see it. My trainer, Jaime is amazing. Hans is amazing. Higher ups from Firefly have reached out to my phone when I was throwing my tantrums to help me with different solutions to my issues. You need extensions? Use your words. They don't succeed unless you do so they only have the best intentions for you... and its genuine. Keep your file cabinet and paper trail if your heart desires, but take the required steps and trust the process. If you can do that, you will be better off for it. You will succeed in a very competitive market if you just let go of what you think you know and use their program the way it is very *simply* written out for you. Advice to brand new to the industry. Congratulations on your new endeavor. I sincerely hope that you can help as many people possible, not only in finding them affordable coverage but understanding the important aspects of insurance. If you're doing your homework on where to begin, Firefly will be everything you need bundled in one package. As any new challenge, it's hard in the beginning. I cannot stress enough how important it is to trust the process and keep moving forward.

Jessica Odson · Jul 2025
★★★★★

Firefly has done everything they said they could do so far! They got me over 20 carrier appointments with the first 3 weeks and I can't thank TJ Scott enough. Not only does Firefly break down their system to make everything easy to navigate/place, but TJ knows the system like the back of his hand and helped me get all the carriers linked with Ezlynx so I could start quoting right away! I am truly thankful for the opportunity Firefly has given me!

Guy DiGiacomo · Feb 2025

4.6 average from agent reviews on Google · Read them all

Frequently Asked Questions

How do I start an independent insurance agency?
You need a P&C license, at least one year of experience in the insurance industry, and a plan to find clients. The hard part is appointments. Firefly gets experienced agents appointed with direct carrier appointments, and a few typically come within 72 hours.
How much does it cost to start an independent agency with Firefly?
There is a $1,000 upfront fee.  It covers onboarding, appointment coordination, and initial training. Full EZLynx access is included in a monthly fee.
How long does it take to get carrier appointments?
A few appointments typically land within the first 72 hours. Almost all the rest are complete within 30-40 days, and a few carriers can be slower. One carrier can take as long as 60 days.
Can I go independent without an existing book of business?
Yes, you can go independent with Firefly Agency without an existing book of business. Firefly functions as a network model that welcomes startup agents and provides direct carrier appointments.
What commission split do Firefly agents get?
Firefly agents earn a 90% split on new business and renewals, from day one, with no tiers of production.
Do I own my book? What happens if I leave?
You own your book. When you leave, you can move your book with a flat rate of 30% of your last 12 months’ commission.
Can I keep carrier appointments I already have?
We allow you to have outside appointments, and we don’t require any split from you for those outside-carrier relationships.
Which carriers are available in my state?
It depends on the state. Pick your state on the carriers-by-state map to see who is available, or view the full Carriers by State page.
How is Firefly different from other agency networks?
Direct binding appointments with all in-state carriers,  a 90% split with no tiers of production, no long-term lock-in and full EZLynx access included in a fixed monthly fee.
How does the money-back guarantee work?
See the guarantee page for details.

Learn Before You Leap

The Independent Agent Field Guide

Everything you’d get with Firefly, in one free download. Read it on your own time, before you talk to us.

Download It Free
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