Tier 2 Document Builder
Producer Agreement
Secure your revenue and defend your valuation. This builder replaces generic templates with a wizard built for insurance: commission structures, chargebacks, and protections that transfer to a new owner.
Producers drive growth, but without a solid contract they're your biggest valuation risk. Buyers often treat handshake deals as unsecured revenue and discount it to zero.
If due diligence finds your top producer has no contract, the buyer may refuse to close until one is signed—handing leverage to the producer. This builder turns your staff into a secured, transferable asset.
Pay and Commissions in Writing
Set rates for new business vs renewals; advance notice before changing pay
Protected from surprise cuts
Set different rates for new business vs renewals, by line if you want. The tool requires advance notice before changing pay, so you're protected from surprise cuts.
Chargeback and Premium Responsibility
Chargeback period and premium responsibility so the agency isn't the unpaid bank
Clear who pays when
Set a chargeback period (e.g. 90 days) and who's responsible for premium. The agency isn't left as the unpaid bank when producers leave or policies lapse.
Non-Piracy and Transfer to Buyer
If they take your clients they pay a set penalty. Agreement transfers so you don't re-sign everyone at close.
Deterrent in writing; M&A-ready
Non-piracy (not a broad non-compete) with a set penalty if they take your clients. The agreement and covenants transfer to the buyer so you don't re-sign everyone at close.