What Delegance charges vs a commission broker
Delegance charges a transparent 5% service fee, versus the 12% to 18% commission that traditional brokerages typically build into your premium.
Example, on a $100,000 annual commercial premium: Traditional brokerage, 15% commission: $15,000 in fees. Delegance, 5% service fee: $5,000 in fees. That is $10,000 a year less in broker pay on the same premium. Your total cost depends on the carrier quotes you get.
| Annual premium | Traditional brokerage, 15% commission | Delegance, 5% service fee | Difference in broker pay |
|---|---|---|---|
| $100,000 | $15,000 | $5,000 | $10,000 |
| $10,000 | $1,500 | $500 | $1,000 |
| $3,000 | $450 | $150 | $300 |
How a broker commission works
The carrier pays a commission to the broker out of the premium you pay. Most quotes do not show it as a separate line, so you see one premium and not the broker's share.
Questions to ask any broker
- What is your commission on this policy, in dollars?
- Do you charge a fee on top of the commission?
- Do you receive bonuses from the carrier based on volume or profit?
State rules on broker fees
States regulate how brokers disclose compensation and when they may charge a fee. New York and California publish their rules. Ask your broker which rules apply in your state.
Common questions
- What does Delegance charge?
- Delegance charges a transparent 5% service fee, versus the 12% to 18% commission that traditional brokerages typically build into your premium.
- How much is that in dollars?
- Example, on a $100,000 annual commercial premium: Traditional brokerage, 15% commission: $15,000 in fees. Delegance, 5% service fee: $5,000 in fees. That is $10,000 a year less in broker pay on the same premium. Your total cost depends on the carrier quotes you get.
- Do I get the same carriers?
- Yes. Delegance places with the same A-rated carriers a traditional brokerage uses.
Sources, checked 2026-11-03
- Delegance homepage FAQ
- New York DFS Circular Letter 2006-09 on producer compensation
- California Department of Insurance: summary of broker fee regulations
Delegance Brokerage is a licensed insurance broker (NPN 21282686). We are not affiliated with Amazon, Walmart, Etsy, Shopify or NEXT. Coverage depends on the policy you buy; read its terms.