Darkhorse isn’t a cluster, aggregator, or franchise. We’re an industry-first hybrid platform designed to remove the roadblocks that slow agents down: marketing, training, back-office support, and more. Everything you need to build, scale, and win is already wired in.
Going independent sounds great. But many agents quickly realize how much support they’re leaving behind. Darkhorse gives you the freedom to build your own agency while keeping the structure and guidance you’re used to. With access to more carriers and the potential for stronger commissions, you get the best of both worlds without the micromanagement or territorial limits.
Darkhorse Insurance Brokers is built for agents who want to build something that lasts. You should have the drive to build an agency targeting at least $10M in premium and $1M in revenue. Personal lines experience is important, and if you're not yet writing commercial, you should be ready to learn. We’re looking for agents who want access to real systems, expert guidance, and a network that helps shorten the learning curve. If you’re serious about scaling, we’re built to help you move faster and smarter.
Time matters. The Rapid Launch Timeline is built to get your infrastructure in place and carrier appointments secured. Many agents write their first policies as early as the first week, while full setup is typically completed within 4 to 6 weeks. It's a faster path forward, designed to help you gain traction without unnecessary delays.
The Darkhorse Agreement is a 12-month term built for serious growth and long-term commitment.
We’re connected to a strong nationwide network of personal and commercial carriers. Right now, Darkhorse Insurance Brokers offers personal and commercial carrier access in 48 states. Some regions may face more market challenges than others, but we're continually working with our partners to adapt and expand opportunities as conditions improve.
You can earn up to 90% commission, depending on the size of your book.
Once your setup is done and carrier appointments are locked in, you’re clear to start. Most agents are live in 4 to 6 weeks, depending on how fast you get us the required information.
We provide access to personal and commercial lines, as well as flood, specialty, excess & surplus lines.
Our rapid launch carrier panel typically includes around 15 high-performing carriers across personal, commercial, flood, specialty, and E&S lines. The exact lineup depends on your area of focus and resident state.
There are no production requirements. You're free to grow at your own pace. Some national carriers may request initial activity before issuing a direct code, but we’ll guide you through that process and help you hit the ground running.
Absolutely. Darkhorse is all in on helping its agents succeed. If you have P&C appointments outside our carrier mix, we’ll consider them on a case-by-case basis to ensure they support your long-term growth.
You do. You get full access to quoting systems and the authority to bind business yourself. No waiting, no unnecessary steps.
Yes. From day one, you own your book 100%. You control how it grows, how it runs, and where it goes.
No. There are zero vesting periods. You control your book 100% from the start, under the terms of your agreement.
Yes. Your book is an asset, and it can be transferred to your heirs when you step away.
Darkhorse Insurance gets the first right of refusal to buy your book back. If Darkhorse elects to waive this right, the book can then be sold on the open market.
No, we don’t charge a monthly membership fee, but there is a monthly pass-through. Any ongoing monthly fees are pass-through costs for real expenses paid upfront by Darkhorse to keep your agency running smoothly, with no added markup.
You’ll invest a one-time fee of $4,975 to launch your agency under the Darkhorse model.
Everything you need to get moving fast. That includes compliance, accounting setup, AMS configuration, cloud servers, phone systems, your full tech stack, and carrier appointment processing. You’ll also have access to ongoing support from our subject matter experts, the kind of team that knows how to get results.
Yes. You’ll have access to our proprietary reporting tools, giving you full visibility into quotes, close ratios, cross-sells, retention, premium performance, carrier metrics, referral partners, and more.
We’re investing heavily in technology, including AI, automation, and smarter lead generation tools. At the same time, we’re building deeper relationships with top carriers. Everything we do is designed to give agents like you an edge that lasts.
We’re selective about who joins the Darkhorse platform. If you decide it’s not for you, we can buy your book back, subject to the terms of the agreement.