For Established Agency Owners

The Partner Program.
Your Network. Your Terms.

Direct carrier contracts. Full book ownership. Industry-leading splits. Built for experienced P&C agency owners who are done leaving money on the table.

The Deal

More of What You Earn.
None of the Fine Print.

Direct carrier contracts. Commission splits from 90% to 96% based on your volume. Full book ownership. No entry fees, no exit fees, no surprises. Just a network that works as hard for you as you work for your clients.

Your Commission Split
96
/
4
UP TO 96% — BASED ON AGENCY VOLUME
  • 90% starting split — no minimums to maintain it
  • Direct appointments
  • Annual Profit Sharing bonuses paid directly to you
  • Personal and commercial lines & financial services
  • $0 entry fees. $0 exit fees. Ever.
The Comparison

Built to Be Compared.
Impossible to Match.

Here's how the Partner Program stacks up against a typical insurance network — point by point.

Sphere Group
✓Direct carrier appointments — not sub-codes
✓100% book ownership & full equity stake
✓Commission splits up to 96%
✓No entry or exit fees — ever
✓Access to carrier profitability bonuses
✓Personal and commercial lines & financial services
✓Agencies pre-vetted before contracts signed
✓Flexibility — secure your own appointments
Typical Network
✗Often sub-codes, not a direct appointment
✗Restricted carrier appointments
✗Lower splits that reduce your income
✗High entry and exit fees
✗Profitability bonuses retained by the network
✗Often personal lines only
✗You sign first, hope for appointments later
✗All appointments must go through the network
Split Comparison

See Exactly What You Keep.

How Sphere's splits compare to a typical network at every production level.

Annual Written Premium
Sphere Group
Typical Network
Under $1M
90%
70–75%
$1M – $3M
93%
75–80%
$3M+
96%
80–85%
Profitability Bonuses
Yours
Kept by network
Entry Fee
$0
$500 – $5,000+
Exit Fee
$0
Varies / restricted
How It Works

Simple. Transparent. Fast.

From application to first contract — straightforward, because we pre-vet everything before you sign anything.

1

Apply

Week 1
  • Submit your application
  • Intro call with our team
  • Share current carrier relationships
  • We review your production history
2

Get Appointed

Weeks 2–4
  • We pre-vet appointment eligibility
  • Carrier paperwork completed
  • Direct appointments
  • Onboarding calls & system access
3

Write & Grow

Ongoing
  • Explore new lines and market opportunities
  • Track production & bonuses
  • Split upgrades as volume grows
  • Keep building — the best is ahead
Your Options

Stay. Grow. Your Choice — Always.

96%
Top Tier Split

At $3M+, You Keep
96 Cents on Every Dollar.

Reach $3M in earned premium and you'll earn our highest split tier — plus direct access to carrier profitability bonuses, priority placement, and dedicated underwriting relationships.

Option A

Stay in the Network

Continue leveraging Sphere's infrastructure, carrier relationships, and back-office support while keeping your full split and bonuses. Many partners stay for life — because it keeps making financial sense.

Option B

Exit on Your Terms

If you ever outgrow the network or find a better fit, you're free to leave. No exit fees. No clawbacks. No restrictions on selling your book. It's your business — it always was.

Ready to Write More
and Keep More?

Sphere Group is designed for experienced P&C agency owners. Complete an application and let's find out if we're the right fit — for both of us.

Apply to Join → Read the FAQ