One80 Intermediaries review for retail agents: programs, access and binding authority
One80 Intermediaries is a wholesaler and program administrator that says it runs 115 in-house programs. It binds marine, trucking, builders risk, small business and personal lines through its own underwriters and the Access One80 portal. A program administrator runs a class of business for carriers under their authority.
It suits agencies that want one appointment for many niches. Brokerage covers property and casualty in all 50 states.
- Best for
- Agencies that want a big menu of programs with in-house binding, from marine and trucking to small business
- Type
- Wholesale broker and program administrator, part of Brown & Brown
- Lines
- Property, casualty, marine, transportation, professional, cyber, cannabis, flood and personal lines
- Access
- Request an appointment online, talk with a One80 representative and sign the broker agreement
- Authority
- Binds and issues in house on many programs, small business and Access One80
- States
- Property and casualty in all 50 states. Programs vary
Our take
One80 has more than 2,200 people in 55 locations across the US and Canada. Its range runs from yachts and Amazon delivery fleets to tattoo parlors and nonprofit D&O.
It fits an agency that wants to bind small and niche accounts without shopping each one. Small business binding starts at $500, and Access One80 quotes and issues homeowners, flood and package online.
Contract terms aren't public. Commission, billing and surplus lines duties are set in the broker agreement you sign.
Pros
- 115 programs, many with in-house binding
- Small business binding from $500 in all 50 states
- Access One80 quotes, binds and issues online
- Assigned underwriter in the portal
- Marine, trucking and cannabis specialists
Cons
- $25,000 minimum premium on brokerage casualty
- Broker agreement terms aren't published
- Each program has its own inbox and claims unit
- Online quotes can differ from a full submission
Who they work with
- Who can submit
- Licensed agencies with a signed One80 broker agreement
- How to get access
- Fill in the Become a Broker request form. A representative calls, and you sign the broker agreement
- What the form asks
- Your NPN, licensed states, network membership, P&C premium volume, number of locations and business mix
- One80 Network
- A separate sign-up for its market access network, with a production minimum and profit sharing
Request an appointment
Complete the online agency appointment request.
Talk it through
A One80 representative contacts you.
Sign the agreement
The broker agreement opens most One80 products and services.
Programs and what they write
| Program | Type | Lines |
|---|---|---|
| Wholesale brokerageProperty, casualty, management and professional lines | Wholesale broker | Property, casualty, cyber, transportation, comp, management and professional |
| ProgramsIn-house underwriting and binding | Program | Marine, transportation, property, construction, professional, healthcare and cannabis |
| Small business bindingBOP, package and monoline | MGA | Property, GL, comp, cyber, professional and umbrella |
| Access One80Binding portal across more than 30 carriers | Online platform | Homeowners, flood, commercial package, contractors GL and garage |
| Online quotesInstant quotes from carriers with online rating | Online platform | Small commercial, personal, cyber, flood and marine |
| One80 NetworkStandard and preferred markets for member agencies | Market access network | Commercial and personal lines |
Brokerage and small business binding cover all 50 states, while program states vary. Minimum premiums start at $200 for standalone terrorism and $500 for small business and builders risk. Brokerage casualty starts at $25,000.
Program highlights
- Boats, yachts, hull and marine facilities
- Trucking, freight brokers and Amazon delivery partners
- Builders risk up to $100M capacity
- Florida condos and franchise hotels
- Financial institutions and nonprofit D&O
- Cannasure cannabis and hemp package
Small business classes
- Dwellings, apartments and condos
- Restaurants, hotels and motels
- Artisan and general contractors
- Office, retail and lessors risk
- Coastal property and HOAs
- Tattoo parlors, day cares and billiard halls
How to submit
- How it works
- Send the class application to the practice or program team, or quote and bind eligible risks in Access One80
- Submit by
- Practice and program inboxes, Access One80 or the online quotes page
- Documents needed
- The class application. Small business binding also wants an ACORD, loss runs, a supplemental and a risk summary
Quote and bind authority
"Takes your submission" means you send the risk to the firm, and "Underwrites" means its own staff set the terms. "In house" under Binds means the firm can commit the carrier without asking first. A blank cell means the firm hasn't published that step.
| Program | Takes your submission | Quotes | Underwrites | Binds | Issues the policy |
|---|---|---|---|---|---|
| Wholesale brokerage | After carrier OK | ||||
| Programs | In house | ||||
| Small business binding | In house | ||||
| Access One80 | In house | ||||
| Online quotes | |||||
| One80 Network | In house |
Online quotes come from the carrier's own rating, and a One80 submission can come back with different terms. One80 says 90% of One80 Network commercial quotes come back instantly when the carrier wants the risk.
Carrier paper and admitted status
- Admitted or surplus lines
- Both, including admitted and surplus lines small business
- Markets
- Carriers in the US, UK, Canada and Asia
Commission, fees and billing
- Commission
- Set in the broker agreement. The One80 Network adds profit sharing
Surplus lines taxes and filings
- Who files
- One80 doesn't publish this. Ask who files the taxes before you bind
Claims
- Claims handled by
- The Report a Claim page routes each program to its own claims unit, such as marine, GMI transportation and Programs Plus habitational
Who owns the account
- Who owns the expirations
- One80 doesn't publish this. The broker agreement should say, so read it first
Portal and integrations
- Portal
- Access One80
- Online quoting
- Yes. Quote, bind and issue in Access One80, plus carrier quotes on the online quotes page
What you can do in Access One80
- Submit an application
- Quote, bind and issue
- Message your assigned underwriter
- Quote homeowners, flood, garage and commercial package
| Connects to | Type | What it does |
|---|---|---|
| ClarionDoor | Comparative quoting | Multi-carrier pricing in Access One80 |
| Surefyre | Portal technology | Insurtech partner on the Access One80 relaunch |
Support for retail agents
- Contact
- info@one80.com or the contact form
- Underwriter access
- Access One80 users get an assigned underwriter. Practice leaders are listed on the site
- Training
- Producer marketing materials, marine broker resources and a CAT mapping service
One80 Intermediaries alternatives
- AmwinsNational wholesaler with more than 150 programs
- CRC GroupBrokerage, binding and programs with Quick Quotes
- Hull & CompanyBrown & Brown wholesaler with local branches and auto binding
- RPSGallagher wholesaler with dozens of programs and small business quoting
- USG Insurance ServicesOnline sign-up and teams not split by territory
See every option in insurance mGAs and wholesalers.
Frequently asked questions
How do I get appointed with One80?
Fill in the Become a Broker request. A representative calls you, and you sign the broker agreement.
Can One80 bind coverage itself?
Yes, on many programs, small business accounts and Access One80 products. Brokerage accounts usually bind once the carrier agrees.
What is the minimum premium for small business binding?
$500, on admitted or surplus lines paper in any state.
Who owns One80?
Brown & Brown, through Arrowhead Intermediaries.
How we researched this review. We based this review on the terms and product pages published by One80 Intermediaries, 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 One80 Intermediaries quit selling or a contract term that reads different now, let us know and send the link to the page where One80 Intermediaries has it. Somebody here pulls up that page and checks it before we change anything on ours.