In commercial insurance, broker codes are how producers get credit, access, and commission for the business they place. It’s the credential that connects the agent to the market.
Historically, Broker Codes Have Been a Point of Restriction
You’re either appointed or you’re not.
You either go direct, or you go through a wholesaler.
You work through a network, or you maintain your own access.
But at CoverForce, we’re helping unlock a new model—where broker codes are flexible, layered, and built for collaboration.
Not just restriction.
Because in today’s world, how you access a market shouldn’t be limited by static code setups. It should be enabled by connected infrastructure.
Here’s What’s Changing
Agents often ask:
- Can I quote through my wholesaler and still track my business?
- Can I work through my network and still see which markets I’m using?
- Can I load my own broker codes while still accessing shared carrier access?
The answer is yes.
CoverForce Allows:
- Agency networks and wholesalers to extend their carrier codes to appointed retail agents
- Retail agents to load and prioritize their own direct carrier codes
- Business to be booked cleanly under the correct relationship—every time
This is not a workaround. It’s infrastructure that respects:
- Ownership
- Channel structure
- Reporting visibility
- Producer-level tracking
How It Works: Code Flexibility, Built In
In a typical flow:
A retail producer logs into CoverForce. The system checks for available access based on:
- That agent’s direct carrier codes
- Their wholesaler’s codes
- Their network’s codes
The quote is returned—and the bind request routes to the appropriate party. The business is booked under the correct code, regardless of how it was accessed.
This ensures:
- The retail agent is always credited
- The wholesaler or network partner maintains control
- The carrier has accurate distribution data
Everyone wins. No double submissions. No confusion. No phone calls asking, “Who placed this?”
Why This Matters
For Agents:
You no longer have to choose between access and control.
You can use shared carrier access through trusted partners—but still see your own pipeline, use your own codes, and bind with clarity.
For Wholesalers & Networks:
You can extend access without giving up visibility.
You support your producers with more efficient tools, but still own your relationships and data.
For Carriers:
You see cleaner submissions, better data, and more structured producer-channel mapping.
You know who placed what—and why.
The Bigger Picture: Building a Connected Ecosystem
We’re not just digitizing quoting.
We’re creating the framework for flexible, collaborative distribution.
By allowing code layering and extension, CoverForce supports:
- Multi-channel appointments
- Downstream access clarity
- Scalable partner relationships
It’s not about controlling access. It’s about enabling production—without the chaos.
We’re building the ecosystem where:
- Producers don’t have to guess where to route business
- Partners don’t lose visibility just because a retail agent has access
- Everyone can scale without losing sight of who owns what
Conclusion
CoverForce is building the infrastructure to reflect the real-world relationships that drive this industry.
If you're:
- A network looking to empower your members
- A wholesaler wanting to extend access cleanly
- A carrier looking for better downstream visibility
- Or a retail agent ready to own your production—direct or downstream
Let’s talk about how code extension works, and how it’s changing the game.
