BGA stands for brokerage general agency. If you are considering a brokerage relationship, start with the services and terms that apply to your business.
What support do you need?
Identify the work you need help coordinating: contracting, product information, application requirements, case follow-up, or commission reconciliation. Ask which services are available, which organization performs them, and who is responsible for the next action.
What carrier access is available to you?
Confirm the relationship for the intended product and state, including any intermediary. Your own licensing, appointment, training, and carrier approval still need to be checked. A general carrier list does not prove case eligibility.
How will the work be handled?
Request a walkthrough of the current workflow and the authorized channels for sensitive information. Ask which records come directly from a carrier and which are entered manually. Confirm where to raise a discrepancy or outstanding requirement.
What are the written terms?
Review the producer agreement and applicable commission schedules before proceeding. Ask about payment, adjustments, chargebacks, renewals, vesting, termination, and exclusivity. Compensation and rights should be established from those records, not a general description of a BGA.
Submit a broker inquiry with your resident state, license lines, intended states, and product interests. Our team can review the request and confirm the appropriate next step. Do not include client personal information.
For insurance professionals. Carrier approval, product availability, compensation, and processing timelines are not guaranteed.