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.
Learn MorePick the Right Carrier for Each Client
No per-carrier production minimums. Place business based on fit, not a quota.
Learn MoreKeep Your Outside Appointments
We’re not exclusive. Keep carriers you already have, and Firefly doesn’t take a cut on that business.
Learn MoreSee 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.
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
Check the Fit
Talk through your P&C experience, your state, and your plans for the agency.
- 2
Review the Details
See your carrier lineup, the fees, the split, and the agreement before you commit.
- 3
Get Appointed
Complete electronic applications. Carrier Infusion sends them to every carrier in your state.
- 4
Start Writing
Write with your first carriers while the rest of your lineup comes online.
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 StoryAgents Who Made the Move
4.6 average from 64 reviews on Google
See all reviews on Google (opens in a new tab)
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 2026If 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 2025TJ is great!
Leslie Vogel · Feb 2025We joined the Firefly network in early 2024. We have been nothing but pleased with our experience in becoming a Firefly Agency! I was very hesitant to make the move because we had tried joining an aggregator in the past. We paid our very large sign-up fee along with substantial monthly fees and were left to figure out where to go from there. We had three names of ladies who we told were our reps that were not helpful and one was downright rude. They required us to use EZLynx with no training or insight. As a new user of their platform as well as EXLynx, we were lost and continued to write business with the few carrier options we already had. We were only able to get a direct appointment with two carriers, which meant the master agency kept a larger portion of commission from any business placed outside of these few carriers. It was an absolute nightmare and cost a fortune to get into, and then to leave! Firefly is not like that at all! I'm so happy that we decided to take a chance with them! The Firefly team is so involved in the training process in regards to the carriers as well as learning to effectively utilize EZLynx. The agency dashboard has SO much educational material and so many valuable tools available to help with furthering your insurance knowledge, but also in creating processes to make daily life as an agent run much more streamline! There are countless classes in the training portal. We have been appointed with several new carriers already, and Firefly seems to always be working to partner with additional new carriers. We have also had fantastic support! If we have a question, we can reach out and they will help us or direct us to the appropriate place to get the help we need! Everyone in our office has a great deal of appreciation for Firefly team and have faith in a long lasting relationship with them! Can't say enough good about our experience here! If you're on the fence about who to partner with, this would be my recommendation hands down!
April Johnson · Aug 2024Faith Mozeihem was great! Very helpful!
James C · Jan 2023FireFly is one of the best companies I have ever worked with! My first conversations were with Bill and Ben who have been straightforward and honest since the beginning. Modern Agent has been a huge help to our agency, training with TJ Scott has been phenomenal, and working with Sam has been extremely helpful. Everyone I have had conversations and interactions with including Fritz, Sara, Liz Ann, Hans, Ted, and Miranda have been extremely helpful. The culture at FireFly is top night and I highly recommend reaching out to them! I look forward to my continued relationship with them. Thanks FireFly!
Cory Chase · Nov 2022Switched companies to Firefly and very glad I did. Everyone here is very helpful. TJ Scott and Jay Davis are the best trainers. If you are a independent agent, I highly recommend Firefly. You will not be Disappointed.
Lesa Jacoby · Sep 2022As a new Firefly Agent, I can't say enough good things about my experience with Firefly and the team. Huge shout out to TJ for being an awesome trainer and wealth of knowledge!
The CardBoard Stash (Brandon Ellis) · Sep 2022FIrefly is hands down the best company and the greatest decision I've made. Having been in the industry for 12 years as a captive agent, I was ready to be an independent agent. After doing A LOT of research, I landed on Firefly. Ever since joining I have felt supported, opinions heard, and a true sense of family from the organization. They truly want you to succeed and work tirelessly to implement new things to make our lives easier. I can't give them more than 5 stars, but they definitely deserve 20! Look no further, a Firefly agent is the place to be :)
Alex Stewart · Jun 2022The team at Firefly has definitely exceeded my expectations! I've been in the insurance business for over 20 years "both independent and captive" and my only regret was that I didn't join the Firefly team earlier in my career. They have made owning my agency a breeze; between the training, the insurance companies they offer, the affordability, and friendliness it doesn't get any better. The only thing you have to do as the owner is put in the work and the Firefly team will help you with the rest! Donnie Musilli
Donnie Musilli · Mar 2021I came on to Firefly after being with State Farm for nearly 5 years. I moved to another independent agency in hopes of owning my own book of business. After realizing this agency wasn't the best fit, I reached out to Firefly. After a few phone calls and some training I was all set. I can finally say I feel at home. Partnering with Firefly has been the most rewarding thing I've done since entering the insurance industry. The options, the support, and the ability run my business off of my own business plan has been absolutely great. After finding myself unhappy and not sure where to turn, firefly answered the call. I couldn't be happier and look forward to working with firefly for the remainder of my time in the insurance world (Which I hope to be for a very long time).
William Berry · Mar 2020First time calling their main office. They were vary helpful and got me what I needed vary quickly.
Nathan Swinehart · Sep 2019Firefly is awesome to work with! They are a great company to be insured through.
Mark Chadwell · Aug 2019Love what Firefly has been able to do for my Insurance Agency
Phil Ruth · May 2019I truly enjoy being part of the Firefly family. As an agency Owner / producer, I couldn't be happier! They are always there for me when I need them, very responsive and always willing to help. If you are tired of the "Captive world" then you need to call Firefly, you wont regret it!
J. Canizal · Feb 2019I have been insured through IHT for over a decade. Any time my rates go up I know I can get in touch with my agent and get quoted with other companies right away. They have helped me save a lot of money over the years. I would highly recommend buying insurance with IHT.
Rachael K · Mar 2017working 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 · Jun 2025Joining 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 2025From 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 2024So far they have been wonderful to work with. Really happy.
Bruno Bruno · Aug 2024These guys are absolutely awesome to work with!! Great platform, great array of carriers, and most of all great people!! HIGHLY recommend!!
Aaron Anderson · Aug 2023Firefly was a great option to launch my own independent agency as they provided the resources and necessary training to be successful on my new journey. The hands on training and continued support by the entire team really has allowed me to grow my business and focus on sales! I couldn't be happier with my decision to join Firefly when I did.
Glen O'Canna · Jun 2023I've been an agent with Firefly since July but officially setup in August. The training, the support, and additional resources are golden. If you are on the fence of leaving the captive agency like I was, I highly recommend contacting Firefly Agency. They made my decision easy after me being captive for 5 years. I'm on track to replace my captive agency premium within a year, that's how much I don't miss Captivity.
Damian Wright · Dec 2022I would do 100 stars if I could! When we decided to get with Firefly we definitely did our researcher with the other aggregators that are out there. Our first meeting was with Ben Griffioen who spelled everything about Firefly out for us...with no hidden anything. Ben had also told us that we would be appointed with most of our carriers within the first 30-45 days and that was 100% the truth--we were blown away! Once we got the official Firefly approval, I met with Fritz Griffioen who wanted to meet with me to find out my insurance history and answer any questions. Then I had a week of training (we calendared about an hour a day) with TJ Scott who was absolutely amazing! I came from a captive agency and I could maneuver the software like a champ, so learning 15 + platforms was new for me. TJ was very thorough and has a way of training that captivates you to pay attention and also made himself super accessible for any questions. I still reach out weekly to TJ as he is an incredible resource. I have been trying to figure out my niche for commercial, and Ted Habak has been super helpful and informative, as again, I came from a captive agent where we didn't dabble into the commercial scene. I am incredibly impressed with Firefly and if you are looking to start your own agency and are have been looking into other aggregators, my advice is stop looking and set up a call with Ben Griffioen and make the best decision for your future business, you will be so glad that you did!
Amy Remigio · Oct 2022I recently signed up with Firefly and I am so impressed with how quickly the appointments start, training and the encouragement from the staff. Everyone has been so helpful getting my agency up and running.
Tammy Salvatore · Sep 2022My name is Robert Ely . I was a previous agency owner for 30 years. When I decided to look a my options to start a new agency Firefly was my first choice. From the beginning Firefly has exceeded every step of the way starting this new agency . Its great knowing that they are my partner .
Robert Ely · Aug 2022It was always a dream of mine to own my own agency but always seemed just out of reach, until I spoke with Firefly Agency. The knowledge and support received, from the entire Firefly team, has been astonishing. They actually care about you and your agency, not just about the money you are bringing to them. Their response time is incredibly quick because they understand the importance of time when it comes to sales. They have gone above and beyond for me and I can't thank them enough. If you are looking to go out on your own or just find another agency to work with, I highly recommend Firefly.
Casey Barnett · Jun 2022I was at first looking to buy a book of business through farmers. Every obstacle I got through led to more and more issues. I figured out that it would never happen and the agent who owned the book of business was forced to be bought out. I was told about a agency that I quickly looked up online but it wasn’t firefly. I found firefly by accident and I immediately jumped on board. Since late 2018. I’ve had a ton of support and training. The team at firefly is there every step of the way. I couldn’t be any happier with the decision I made that day. I wouldn’t change a thing.
Mike Manley · Dec 2021I jumped onboard with Firefly in 2020 as one of their agents and I’ve been nothing but impressed. They delivered on all their promises and have really given me the tools necessary to run an effective and profitable independent agency!
Christopher Barnhart · Sep 2021If you are an agent that is looking for great home office support without layers of management, no product pushing and autonomy to run a successful independent insurance agency, then contact Ben Griffioen now. If you are looking for a company that provides you with the right tools to run your agency like modern rating software vs captive carriers antiquated systems call Ben now. In my states, Firefly has added 2 additional carriers to work with in less than a year which gives its agents even more options to help their clients. If this sounds like the kind of support / technology / and forward progress that will make you an even more successful agent or if you are just starting out in the insurance industry. Do yourself a favor and call Ben now.
Adam · Sep 2020Excellent company for independent Agents. A dedicated team to help you to grow your agency and make sure you get the best experience in the insurance world. I highly recommend it since for me it's been a blessing to be part of this beautiful, dedicated and helpful family which is Firefly!
Maria Caba · Jan 2020The team at Firefly Agency are great to work with. They are knowledgeable and upfront about expectations. I have personally worked with Bill, Hans, Andy and Sam. They are great guys and I highly recommend them.
Hinkai Yee · Aug 2019My agency partnered with Firefly Agency at the end of 2018, and thus far I have been happier than ever. The freedom and flexibility to offer so many great carriers to my clients for their P&C needs is fantastic! I would highly recommend that any captive, new, or even existing independent agents give them a look. It has been the best decision of my career thus far in my 10 years within the industry.
RMB Financial · Aug 2019Joining Firefly has been the perfect choice for me! Obviously an agent can get appointments from many different places, just like Firefly can. However, Firefly is different because their tools and support are by far superior than others in the marketplace. Being armed with these resources are essential to take your agency to the next level! You can't go wrong with joining forces with Firefly!!
Cliff Andersen · Mar 2019Joining Firefly has been the best career move I have ever made. The ease of doing business now and the access to so many carriers has really allowed our agency to grow exponentially! I now have a market for any customer that calls us rather than having to turn people away. I used to wonder how our quotes compared to other carriers and now I don’t have to wonder as we have ability to quote many carriers. Anyone looking to take their business to the next level or simply looking for a streamline way to be able to place more business with multiple carriers should give Firefly a look!
Justin Stetnish · Feb 2019My 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 2025Firefly 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 2025Aligning with Firefly has been nothing short of a great experience. If you are looking to go independent and want a company and team that is there to support you this is the place. Everyone has been incredibly helpful and responsive anytime ive needed it. TJ is a phenomenal trainer and always finds the time in his busy schedule to share screens, build processes, and troubleshoot.
Nicholas Shepherd · Aug 2024I joined Firefly in April of 2024 and it was the best decision I could have made for my agency. I came from one of the largest insurance clusters where I was promised direct appointments but only got appointments with non standard carriers. Within 2 of months of making the change, not only had all the appointments promised to me, but two others as well. They helped me get all set up and I wrote more business in my first 2 months than I did in my previous 6 months at my old cluster. Thank you Firefly!
Dylan Bakker · Jun 2024Partnering with Firefly for our scratch agency has been a great decision. They make onboarding with carriers a breeze. There have been a few hiccups along the way, but the team at Firefly has been extremely helpful and responsive! Looking forward to a very successful partnership!
Jenny Bell · Aug 2023Starting out with Firefly was made very easy by their onboarding staff, they really help you along the way with all your carriers so that you can focus on the task at hand. There is never a moment where you feel like you are unsure of what to do or who to contact as Firefly provides you with just about everything you need and a team to help you figure out the next step if you are unsure of what to do next.
Jay · Jun 2023I have had a great experience with Firefly since we started a couple months ago! TJ Scott has been a great trainer for our group! You can tell that the staff at Firefly really cares about us and wants to help us become successful!
Brittany Bennett Spencer · Dec 2022I have been with Firefly agency for about a year and they have been awesome! When I first started my own agency having never been in the P&C insurance world I did not know where to start. I first found a so called "cluster" that promised a bunch of carrier's with direct access but the experience was awful and the threshold to get even one carrier was impossible! After a few months, I started looking around at other options. This is when I found Firefly agency and it was a breath of fresh air! I can't say enough about how great the support, training, and carrier selection Firefly has to offer! If you want to get into the P&C insurance business, starting your own agency with Firefly is the only way to go!
George Jameson · Sep 2022TJ, and the whole team at Firefly have been amazing. Fast to respond even to an emergency question, great interactive training, and they are a major system of support for incoming agents. I couldn’t dream up a better team.
Meg O · Sep 2022After having an agency in the captive market and being stuck with only one option to service my clients, I reached out to Firefly as a potential next stop. Ben was great to work with throughout the process. Him and his team didn't "sell" you to join Firefly, but instead listened, answered questions, and supported me in making the decision to make sure it was a good fit for both of us. After looking at numerous options in the market, I knew Firefly was by far the best opportunity. If you want to work with an amazing group of people that help support your business and look out for you and your clients best interest, then Firefly Agency is the spot for you. They have been great in all aspects of the journey; from onboarding, to training, to support, and beyond. Thank you Firefly for being an unbelievable place to call home for Bella's Brokers!
Erik Westrum · Jul 2022I came to Firefly after being an exclusive agent for 8 years. I have to say that I am very happy to have made the switch. I'm still very new to Firefly and am learning the processes but the level of support available is awesome. Phone calls and emails have been returned very quickly so I haven't been left waiting for answers before being able to proceed. I could not be happier with my experience up until now!
John Pollick · Feb 2022I have looked at numerous contracts over the years from various aggregators, clusters, and networks. Firefly's contract stands out as one of the most agent friendly.
Leon Binstock · Nov 2021My experience with the Firefly Agency the short time I have worked with them, has been nothing short of exceptional. They have not only met my expectations, they have exceeded them! I am looking forward to a long lasting business relationship.
Terry Moore · Nov 2019I don't know really what I can say with regard to NOT liking Firefly. I am just about to complete year 1 of my partnership with them and they've come through on everything they promised and so much more. Their staff provides support and they go above and beyond to assist you in writing new business. I look forward to our future working together.
Phil Lovison · Aug 2019I have been a proud Firefly agent for over 6 months now and looking from the outside in i can truly say they have kept up with everything they said they would do! When it come to calling them for assistance on a quote they always have someone ready to assist you which is a really big plus for me! Then they are always on top of things when they need to be done and always provide you with updates.
Gustavo Orozco · Aug 2019Amazing on-boarding experience, support, licensing, carrier appointments, training and the trainers. Fantastic! Great turnaround and response times. Was up and running in no time. Resources available to help new agents. A+ 5-Star company. They really make you feel like your part of the Firefly Agency family. Garrett Fox Insurance Agency, Frisco, TX
Garrett Fox · Mar 2019I am a current agent with Firefly and couldn't be happier! I have been able to do more business and save people more money than I could have before I started with them. They are super helpful and responsive. I definitely do not have any complaints! They are fantastic to work for and with.
Mary Lake · Oct 2018Frequently Asked Questions
Learn Before You Leap
How Carrier Appointments Work Through Firefly
Our Insurance Agent Commission Structure
Firefly vs. SIAA: Which Network Fits You?
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.