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Banyan Theory runs two website platforms for independent agencies, LightRail and Webtricity. New buyers go to Webtricity, where you edit an insurance template yourself or pay Webtricity to build it.
Plans run $49 to $199 a month per site. There is no setup fee if you build it yourself, and Design+Build adds a one-time $599 to $1,999.
Banyan Theory sells under the Webtricity name. Webtricity is a template platform with a choice: build it yourself for nothing up front, or pay once for Design+Build. Every plan comes with 70+ prewritten insurance pages.
It suits a cost-minded independent agency that wants month-to-month billing. PRO is the plan to look at if leads should reach AgencyZoom, Applied Epic or HawkSoft.
What you give up is portability. The site can't leave Webtricity hosting, and the prewritten pages stay behind.
| Plan | Setup | Monthly | Minimum term | What it adds |
|---|---|---|---|---|
| DIYOne office building its own site | $0, or $599 built for you | $49 | Billing period | Hosting, templates, 50 pages, 4 forms, 2 users and email support |
| MIXSmall agencies that want a rater | $0, or $599 built for you | $79 | Billing period | 2 locations, 10 forms, 5 users, a rater embed, one blog article a month, priority email and a price lock |
| PROAgencies sending leads to an AMSWhere most agencies start | $0, or $899 built for you | $149 | Billing period | 5 locations, 20 forms, 10 users, line-by-line quote forms, AMS and CRM connections, two articles a month, phone and chat |
| VIPMulti-office agencies | $0, or $1,999 built for you | $199 | Billing period | 10 locations, 30 forms, 20 users, a dedicated website assistant and lifetime upgrades |
Prices per website as of October 2026, from lightrailsites.com/pricing.
Setup fee
Plan fees
Total
Uses monthly billing. Yearly billing saves a month each year. Your domain costs extra.
| Fee | Amount |
|---|---|
| Content security policy, a setting that blocks injected code (MIX and up) | $25 per month plus $199 setup |
| Blog articles on DIY | $10 per article/month |
| SEO services | From $99 per month |
| SEO for AI search | From $249 per month |
| Copywriting | Quoted per project |
| Domain | Paid by you to your registrar |
| Feature | DIY | MIX | PRO | VIP |
|---|---|---|---|---|
| Office locations | 1 | 2 | 5 | 10 |
| Forms | 4 | 10 | 20 | 30 |
| Users | 2 | 5 | 10 | 20 |
| 70+ prewritten insurance pages | ||||
| General quote form | ||||
| Line-by-line quote forms | ||||
| Rater embed | ||||
| Blog articles written for you | Add-on | 1 a month | 2 a month | 2 a month |
| AgencyZoom, Applied Epic and HawkSoft | ||||
| Zapier and direct form feeds to other systems | ||||
| Privacy-friendly visitor stats (Plausible) set up | ||||
| Help with updates after launch | ||||
| Support | Priority email | Email, phone, chat | Dedicated assistant |
Start building yourself, or add Design+Build now or later.
Brand colors, logo, staff, photos and any services you use. With Design+Build, a project call covers this and Webtricity pulls in your old site's content.
Check the site and make changes before launch.
You update your DNS with help from Webtricity. Design+Build also submits the site to Google Search Console and tests it for speed and accessibility.
| What | Who owns it | If you cancel |
|---|---|---|
| Domain | You, unless you agree otherwise in writing | Stays yours. Change DNS to move it |
| Content you wrote | You, but Webtricity keeps a permanent license to use it | Stays yours, and the license continues |
| Content they wrote | Webtricity or its licensors | You can't use it elsewhere |
| Design and platform | Webtricity | Can't move to another host |
Plan on a rebuild if you leave. Webtricity sites must stay on Webtricity hosting, and the 70+ prewritten pages can't go with you. Keep your own copies of anything you write.
| Connects to | Type | How | From plan | What moves |
|---|---|---|---|---|
| AgencyZoom | CRM | Built in | PRO | Creates a lead from each quote or form |
| Applied Epic | AMS | Built in | PRO | Quote requests go to the Leads Inbox for import |
| HawkSoft | AMS | File download | PRO | You download a HawkSoft file and open it |
| Blitz Sales | CRM | Built in | PRO | Quote requests |
| Zapier | Automation | Zapier | PRO | Quote, service and contact form data |
| Webhook (a direct feed to any system) | Automation | Sends each form entry | PRO | Form data to an address you supply |
| Slack | Chat | Built in | All plans | A message for each new submission |
| Raters | Rater | Embed on the page | MIX | The rater supplies the code and gets the data |
Zapier bills you separately. Turning on a connection shares form data with that service.
Templates get manual and automated checks for keyboard use, forms and contrast. Design+Build adds a Lighthouse accessibility test.
Webtricity adds your Google Analytics or other tracking code at no charge. PRO and VIP include Plausible, a privacy-friendly visitor stats tool, set up for you.
The terms don't require Webtricity to back up your data, and it can delete form entries without notice. Keep your own copies.
From the Webtricity terms, checked October 2026. Older LightRail accounts need 30 days notice to cancel.
See every option in insurance agency website design.
Plans run $49 to $199 a month, with no setup fee if you build it yourself. Design+Build adds $599 to $1,999 once.
It stays up until the period ends, then goes offline. The site can't move to another host, and the prewritten pages can't be reused.
Yes, unless you agree otherwise in writing. You pay the registrar yourself.
On PRO and VIP, yes. Leads go to AgencyZoom, the Applied Epic Leads Inbox or a HawkSoft file.
How we researched this review. We based this review on the pricing, terms and product pages published by Banyan Theory, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Banyan Theory quit selling or a contract term that reads different now, let us know and send the link to the page where Banyan Theory has it. Somebody here pulls up that page and checks it before we change anything on ours.