Garcia Insurance Brokerage LLC
Insurance has 5 layers of licensing · individual, agency, line of business, state, and surplus lines authority. File.Business helped me sequence them so I could open without delay.
Stephen Garcia, Founder · $420K revenue · 2 producers + 1 admin · Formed 2024
The situation
Stephen left a captive insurance agency to start his own independent brokerage. Arizona insurance department requires both individual producer license AND agency license, plus E&O insurance.
What File.Business did
Formed Arizonan LLC. Filed Arizona insurance agency license application (separate from individual producer license). Coordinated E&O insurance ($2,400/year). Set up appointments with 14 carriers. Created agency-employee agreements and producer agreements for sub-agents.
The outcome
Agency licensed in 14 days from filing. Appointments active with 14 carriers. Year-1 revenue: $420K. Three producers earning commissions plus admin support.
Key facts
| Industry | Insurance |
|---|---|
| Entity structure | Arizonan LLC |
| Year formed | 2024 |
| Scale at story point | $420K revenue |
| Team | 2 producers + 1 admin |
About this case study
This is a representative composite case study based on patterns we see across many similar customers. Names and identifying details have been changed. The structure, services, and outcomes described are typical of customers in this segment.
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File.Business handles formation, compliance, and the operational layer needed to run a business in this industry. $0 service fee. Penalty-free guarantee.
Start my business See pricingOn the $129/yr Compliance Annual Filings plan, we cover state late fees.
When you autofile your annual report through the $129/yr plan and we miss the deadline, we pay the state's late fee. The guarantee applies to that specific plan and the filings it includes. Other File.Business services are billed at the prices on this page.