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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- What is it
- Garcia insurance brokerage llc: how a insurance business set up with file.business is a regulated business process governed by federal or state agencies. File.Business handles the paperwork, filings, and tracking for you.
- Why it matters
- Doing this correctly the first time avoids penalties, late fees, and personal liability exposure for owners.
- Who needs it
- Any US business that has triggered the relevant requirement - usually based on entity type, state, or business activity.
- When it is due
- Deadlines vary by agency and state. We track your specific dates and remind you ahead of any filing window.
- How it works
- Tell us what you need, review the prepared filing, and we submit through the agency's official channel.
- What it costs
- Pricing is shown on this page with state and federal fees disclosed separately from our service fee.
- Risks of skipping
- Penalties, administrative dissolution, loss of liability shield, blocked transactions, or audit triggers depending on the filing.
- Alternatives
- File directly with the agency yourself, hire a law firm, or use a competing service. File.Business is the fastest premium option.