How INVO works
An insurance placement marketplace built for independent agents
Search the markets first. Get appointed when the account requires it. Here's exactly how agents use INVO day to day.
- Carrier markets
- 101+Carrier markets
- Digital quote-and-bind markets
- 58Digital quote-and-bind markets
- Underwriter-assisted markets
- 43Underwriter-assisted markets
- Specialty divisions
- 6Specialty divisions
- States searchable
- 50States searchable
What INVO is
A wholesale marketplace with underwriters attached
INVO Underwriting is a wholesale insurance marketplace and workflow platform for independent retail agents. One appointment gives your agency digital markets you can quote yourself plus six specialty divisions staffed by underwriters who write the class.
You don't need an appointment to search. Look for the market first — if the account can be placed, we'll show you the access step it requires.
Two ways to place
Digital placement or underwriter-assisted placement
Every search result tells you which path the account belongs on.
Digital placement
Eligible commercial and selected personal lines accounts rate, quote and bind online through digital carrier pathways in the agent portal — no email, no waiting.
- Instant appetite match by state, line and class
- Quote and bind without an underwriter in the loop
- Best for Main Street, small commercial and personal lines
Underwriter-assisted placement
Tougher classes, larger exposures and prior-loss accounts route to the specialty division that writes them, with a named underwriter on the file.
- Division-specific submission workflow
- A real underwriter who knows the class
- Admitted and E&S paper where it fits
The workflow
Three steps from an account on your desk to a bound policy
The same workflow whether the risk quotes digitally or needs an underwriter.
- 1Step 1
Search the marketplace
Pick the state and line of business, then type the class in plain language or drop in a class code. Results come back ranked and split into markets you can quote yourself and markets that go to an INVO underwriter.
- State-level appetite filtering
- Plain-language class or class code
- Digital and submit lanes clearly separated
- 2Step 2
Quote directly or submit to the right division
Bind eligible business online through the agent portal, or send the account straight to the division that owns the class with the documents already listed for you.
- Quote and bind online
- Pre-listed submission requirements
- Routed to the correct division
- 3Step 3
Get support from the underwriting team
Unusual exposure, prior losses, or a class nobody wants? Talk to a specialist underwriter who works the class every day.
- Named division contacts
- 24–48 hour response on complete files
- Marketing support for tough accounts
Inside the platform
How market search, submissions and the portal fit together
Market search
Pick market type, state, line of business and class. INVO matches your risk against structured carrier appetite records — not a PDF appetite guide — and shows what's actually available in that state.
Submissions
Each result tells you the next step: quote it now, sign in to the portal, request access or submit to INVO. Submission forms collect what the division actually needs and route straight to that underwriting team.
The agent portal
Once appointed, the portal is where you quote digital markets, manage accounts and access your carrier pathways in one place.
Alongside your direct markets
INVO isn't a replacement for your direct appointments — it's what you use when a class falls outside them, when a carrier declines, or when you need a market in a state you don't write in yet.
Divisions
Six divisions, one appointment
Each division pairs digital markets with underwriters who specialize in the class.
Commercial lines
Commercial Specialty
E&S, habitational, hospitality and tough classes
Carrier panel
A sample of the carriers inside the INVO marketplace
Digital direct markets and submit-division paper, all reachable through one INVO appointment.
- Active markets
- 100+
- Underwriting divisions
- 6
- States served
- 50
- Appointment required
- 1
Active markets
Underwriting divisions
States served
Appointment required
Commercial, personal lines, workers' comp, transportation, staffing and specialty — one search across all of it.
See the full marketplaceNationwide market access
Find opportunities across the country.
Search INVO's digital and submission markets by state, line of business, and class. Availability varies by carrier and risk, so the marketplace shows the most relevant path for each account.
- Digital and submission markets
- State- and class-level appetite search
- Admitted and E&S options
Hover, tap or tab to a state to see how many active markets INVO can search there.
View market availability as a list
- Alabama84
- Alaska63
- Arizona90
- Arkansas80
- California67
- Colorado74
- Connecticut76
- Delaware73
- District of Columbia64
- Florida75
- Georgia91
- Hawaii64
- Idaho72
- Illinois86
- Indiana90
- Iowa76
- Kansas72
- Kentucky78
- Louisiana66
- Maine74
- Maryland77
- Massachusetts72
- Michigan76
- Minnesota75
- Mississippi83
- Missouri81
- Montana76
- Nebraska77
- Nevada78
- New Hampshire75
- New Jersey76
- New Mexico88
- New York64
- North Carolina81
- North Dakota61
- Ohio73
- Oklahoma81
- Oregon77
- Pennsylvania80
- Rhode Island72
- South Carolina86
- South Dakota71
- Tennessee92
- Texas88
- Utah81
- Vermont70
- Virginia84
- Washington55
- West Virginia75
- Wisconsin79
- Wyoming57
Agent results
Agents place accounts faster when they stop guessing
What independent agents say after their first 60 days with an INVO appointment.
“I used to email three wholesalers to find out who'd even look at a sand-and-gravel hauler. Now I search it, see who writes it, and have a quote back the same afternoon.”
Dana R.
Principal, independent agency — Tennessee
Bound in 2 days
“The digital markets alone paid for the appointment in the first month. Small BOPs I used to turn away now rate and bind while the client is still on the phone.”
Marcus T.
Commercial lines producer — Georgia
18 small BOPs in 60 days
“What I value most is being told 'no' quickly and pointed somewhere else. INVO's underwriters actually answer, and that saves me more time than any portal.”
Priya S.
Agency owner — North Carolina
Same-day underwriter reply
“I used to email three wholesalers to find out who'd even look at a sand-and-gravel hauler. Now I search it, see who writes it, and have a quote back the same afternoon.”
Dana R.
Principal, independent agency — Tennessee
Bound in 2 days
“The digital markets alone paid for the appointment in the first month. Small BOPs I used to turn away now rate and bind while the client is still on the phone.”
Marcus T.
Commercial lines producer — Georgia
18 small BOPs in 60 days
“What I value most is being told 'no' quickly and pointed somewhere else. INVO's underwriters actually answer, and that saves me more time than any portal.”
Priya S.
Agency owner — North Carolina
Same-day underwriter reply
Alongside your direct markets
Why agents use INVO next to their direct carrier relationships
INVO doesn't compete with your direct appointments — it picks up the accounts they can't take.
Classes your carriers decline
Roofing, trucking, staffing, habitational, tough workers' comp — the accounts your direct markets send back.
States you aren't appointed in
One INVO appointment opens markets across the country without chasing new direct contracts state by state.
No production requirements
The appointment is free and there are no premium commitments, so INVO can sit unused until you need it.
Admitted and E&S in one place
When the risk falls off standard paper, the same search shows the surplus lines option and the underwriter who writes it.
Why agents keep INVO next to their direct markets
Free appointment, no volume requirements, admitted and E&S paper, and a named underwriter when the account needs one. You keep your direct carriers — INVO covers everything they won't.
FAQ
Questions agents ask before getting appointed
Everything you need to know about working with INVO — in plain language.
A single wholesale appointment gives you access to every INVO digital market and all six specialty underwriting divisions. There are no volume requirements, minimum premiums, or separate carrier appointments to chase.
Get appointed
Become an appointed INVO agent today.
Get access to 100+ digital and submission markets, six specialty divisions, and a named underwriter—without premium minimums or appointment fees.
- $0 appointment
- No volume minimums
- Typical response within 1 business day