Jencap review for retail agents: programs, access and binding authority
Jencap handles hard-to-place business for retail agents in three ways: brokerage, its own binding authority (the carriers' permission to commit coverage for them) and more than 30 exclusive programs. Its underwriters bind small business property, casualty and transportation for the carriers.
It suits agencies of any size, new ones included. You fill in an online form and get a producer number if Jencap approves you.
- Best for
- Agencies of any size, new ones included, that want brokerage, small business binding and niche programs from one firm
- Type
- Wholesale broker, MGA and program administrator, part of Galway Holdings
- Lines
- Casualty, property, professional, transportation, workers comp, personal lines and construction programs
- Access
- Fill in the Get Appointed form. Jencap reviews it and issues a producer number
- Authority
- Jencap underwriters quote and bind small business property, casualty and transportation in house
- States
- Licensed to work with agencies in every state. Binding nationwide, with some limits
Our take
Jencap is a national wholesaler with 49 offices and, by its count, more than 20,000 agency partners. Brokers work in practices such as casualty, environmental, transportation and workers comp.
It fits an agency that wants one firm for open-market brokerage, quick small business binders and niche programs. The programs lean toward construction, from luxury home builders to EIFS and electrical contractors.
Much of the fine print isn't public. Commission, billing and surplus lines filing terms come only after you're appointed.
Pros
- Welcomes new agencies
- Small business binders from Jencap underwriters
- More than 30 exclusive programs, many for contractors
- Premium finance with no agency liability for nonpayment
- USLI quick quotes through every office
Cons
- Billing and commission terms aren't published
- Program details and carriers vary by program
- No single main phone number
- Agents never get their own binding authority
Who they work with
- Who can submit
- Licensed retail agents and brokers. Some programs also work with select wholesalers, third-party administrators and affinity groups
- How to get access
- Complete the online Get Appointed form
- Agency size
- All sizes, including brand new agencies
- Your own binding authority
- None. Jencap doesn't give binding authority to any agent or agency
Fill in the form
Send the Get Appointed form on the Jencap site. Sending it isn't an appointment by itself.
Wait for review
Jencap looks over the agency and gets in touch.
Get your producer number
Approved agencies receive a unique producer identification number.
Programs and what they write
| Program | Type | Lines | Admitted or surplus lines |
|---|---|---|---|
| Wholesale brokerageEight practices organized by industry and line | Wholesale broker | Casualty, property, professional, environmental, transportation, workers comp, personal lines and cannabis | Both |
| Binding authoritySmall business property, casualty, transportation and garage | MGA | GL, property, excess, inland marine, auto, cargo and garage | Both |
| Exclusive programsMore than 30 programs under Jencap, Jencap A&H, Eventsured and MiniCo | Program | Construction, environmental, self-storage, events, lawyers and stop-loss | Both |
Binding authority policies carry deductibles from $0 to $100, limits up to $1M/$3M and excess from $1M to $10M.
What binding authority covers
- Contractors, habitational and lessors risk
- Bars, restaurants and hotels
- Special events and vacant property
- Auto haulers, buses, couriers and dump trucks
- Food trucks, limousines, movers and wreckers
- New ventures accepted
Sample exclusive programs
- Construction managers, all but AK, HI, CO and LA
- Luxury home builders and remodelers
- EIFS contractors in 47 states, surplus lines
- Electrical and HVAC GL from $50,000 premium
- Coastal condos under $10M TIV in six mid-Atlantic states
- Lawyers with 1 to 25 attorneys
How to submit
- How it works
- Find a broker or underwriter by practice, location or name in the broker directory. One submission can reach every Jencap division
- Submit by
- A broker from the directory, a program contact or the online quoting tools at each Jencap company
- Quick quotes
- USLI quotes by phone through each office's USLI line or online at any hour, and Eventsured quotes events instantly
Quote and bind authority
"Takes your submission" means you send the risk to the firm. Binds "In house" means the firm commits the carrier on its own, with no second sign-off. Where a cell is blank, the firm publishes nothing on that step.
| Program | Takes your submission | Quotes | Binds |
|---|---|---|---|
| Wholesale brokerage | |||
| Binding authority | In house | ||
| Exclusive programs |
Binding authority means Jencap's own underwriters quote and bind for the carriers. You get an indication, quote or binder back, but you never hold that authority yourself.
Carrier paper and admitted status
- Admitted or surplus lines
- Both. Some programs state which, such as the surplus lines EIFS and coastal condo programs
Commission, fees and billing
- How to pay
- Pay the office you work with
- Premium finance
- Through Insurance Payment Company. You aren't liable if the insured stops paying, and you get full commission when the loan funds
- Financing fees
- Jencap fees can be financed, and special terms exist for garage, transportation and professional liability
Surplus lines taxes and filings
- Who files
- Jencap doesn't publish this. Ask your Jencap office who files the taxes and affidavits
Claims
- Claims handled by
- Program teams handle program claims. Brokerage claims go through the carrier
Who owns the account
- Who owns the expirations
- Not in Jencap's published material. Ask your Jencap office for it in writing
Portal and integrations
- Portal
- Online quoting tools at each Jencap company, plus a searchable broker directory
- Online quoting
- Yes, for many programs, USLI and Eventsured
| Connects to | Type | What it does |
|---|---|---|
| USLI | Quick quotes | 55 products and more than 500 classes, by phone or online |
| Insurance Payment Company | Premium finance | Finances Jencap premium and fees |
| Eventsured | Affiliate | Instant quotes and binders for event liability and cancellation |
Support for retail agents
- Contact
- No single main number. Use the broker directory or your local office line
- Underwriter access
- The directory lists brokers and underwriters with direct email and often phone
- USLI hours
- Weekdays 7 a.m. to 8 p.m. ET and Saturdays 9 a.m. to 1 p.m. ET
Jencap alternatives
- AmwinsNational wholesaler with more than 150 programs
- CRC GroupBrokerage, binding and programs with Quick Quotes online
- RT SpecialtyE&S brokerage that binds small accounts in RT Connector
- Brown & RidingBrokerage plus small E&S binding through its own platform
- Specialty Program GroupProgram group for niche classes such as tattoo shops
See every option in insurance mGAs and wholesalers.
Frequently asked questions
How do I get appointed with Jencap?
Fill in the Get Appointed form. Jencap reviews the agency and issues a producer number if it approves you.
Can Jencap bind coverage itself?
Yes. Its underwriters bind small business property, casualty and transportation for the carriers they represent.
How does Jencap premium finance work?
It goes through Insurance Payment Company. You get full commission when the loan funds and aren't liable if the insured stops paying.
Does Jencap work with new agencies?
Yes. It welcomes agencies of every size, start-ups included.
How we researched this review. We based this review on the terms and product pages published by Jencap, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
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 Jencap quit selling or a contract term that reads different now, let us know and send the link to the page where Jencap has it. Somebody here pulls up that page and checks it before we change anything on ours.