Refer Businesses.
Earn Commissions.
Grow Together.

ATM Insurance Advisors invites professionals who work with business owners to join our referral network. You refer — we take care of the rest. It's that simple.

$0 Cost to Join
Simple 3-Step Process
Transparent Arrangement Terms
Dedicated Advisor Support

How the Partner Program Works

Three easy steps. You refer your contact — we handle all the insurance work — you earn.

1

You Refer

Tell a business owner in your network about ATM Insurance Advisors and connect them with us — by email, phone, or a simple introduction.

2

We Handle Everything

We contact your referral, conduct a free consultation, build a customized insurance proposal, and handle all the paperwork and carrier negotiations.

3

We Take Care of You

When your referral's policy binds, we honor the arrangement we discussed. Compensation terms are agreed upon during onboarding and handled transparently — no surprises.

Who Makes a Great Partner?

Anyone who regularly interacts with business owners is a potential partner. If your clients own businesses, they need insurance — and you can help connect them to the right coverage.

CPAs & Accountants

You see your clients' financials. When a business grows, it usually needs more coverage. Refer them to us and earn.

Commercial Real Estate Agents

Every business that leases or buys commercial property needs insurance. Introduce your clients to ATM before they even open the doors.

Financial Advisors

Business owners who trust you with their investments trust you with their business health. Insurance is a key part of risk management.

Business Consultants

If you advise on operations, growth, or strategy, you know your clients need the right insurance foundation. Be the one who connects them.

Attorneys & Legal Professionals

Business attorneys frequently work with owners who have insurance gaps. Refer them to ATM for expert coverage advice.

Insurance Agents (Other Lines)

Do you write home, life, or personal auto but not commercial? Partner with us to offer your business-owning clients complete coverage.

Business Owners

Know other business owners who need commercial insurance? Refer them and earn a commission as a thank-you for the introduction.

Payroll & HR Providers

If you handle payroll or HR for businesses, workers' compensation and employee benefits are natural follow-on conversations.

Bankers & Lenders

Commercial loans often require insurance. Connect your business borrowers with a trusted insurance advisor before the loan closes.

Why Partner With
ATM Insurance?

We've built our partner program to make referrals as simple and rewarding as possible. Our partners appreciate the simplicity, the transparency, and the fact that their referrals are treated with the same care and expertise we give every client.

Join the Program
  • Meaningful Compensation

    We believe your introductions have real value. Arrangements are discussed privately during onboarding and structured based on your situation and applicable guidelines.

  • Minimal Effort Required

    Just make the introduction. We handle all the consultations, quotes, paperwork, and follow-up — you stay in your lane.

  • Your Clients Are Protected

    When you refer to ATM, you're ensuring your clients get expert, honest insurance advice — which reflects well on you too.

  • Dedicated Point of Contact

    You'll work directly with our advisor, not a call center. We communicate clearly about every referral's status.

  • Reciprocal Referrals

    We refer our clients back to partners in our network when appropriate. It's a two-way relationship.

  • Free Insurance Education

    We'll keep you informed about commercial insurance trends so you can have smarter conversations with your clients.

Partnership Levels

We work with partners at different engagement levels — from occasional referrals to active co-marketing arrangements.

Referral Partner

Professionals & business owners

Arrangement Type
Case by Case
  • No minimum referral requirement
  • Simple email or phone introduction
  • We handle all follow-up
  • Arrangement terms discussed privately

Agency Partner

Insurance agents / brokers

Arrangement Type
Custom Terms
  • Sub-producer or referral structure
  • Access to ATM's commercial markets
  • Joint client service model
  • Appointment-based or referral fee
  • Custom commission negotiation

Be Your Own Boss.
We've Got Your Back.

Are you a licensed insurance professional who wants the freedom to run your own book of business — without starting from scratch? ATM Insurance Advisors provides the infrastructure, carrier access, and support so you can focus on what you do best: building client relationships.

We offer select licensed agents the opportunity to operate independently under ATM's umbrella, with access to a dedicated portal to manage your clients, track your business, and stay connected with our team.

Contact Us to Learn More

Your Own Portal

Access a dedicated platform to manage clients, track policies, and monitor your pipeline.

Carrier Access

Leverage ATM's market relationships to quote risks you couldn't access on your own.

Back-Office Support

Get support on submissions, certificates, renewals, and servicing — so you can stay client-facing.

Your Book, Your Brand

You keep your client relationships. Build your own book of business with independence and flexibility.

For Insurance Agents & Brokers

Can't Quote That Risk?
We Probably Can.

If you're an insurance agent or broker and run into a commercial risk your carriers won't touch — high-risk businesses, specialty exposures, hard markets, or difficult property risks — reach out to us.

  • Access to specialty and non-standard markets
  • Hard-to-place commercial accounts welcome
  • You keep the client relationship
  • Fast response — we know time matters on these
Contact Us About a Difficult Risk

Common Hard-to-Place Accounts

We regularly handle these:
  • Liquor stores & bars with prior claims
  • Gas stations with environmental exposure
  • Hotels with high loss history
  • Restaurants declined by standard carriers
  • Retail with unique or high-value inventory
  • Multi-location or complex commercial programs

Partner Program FAQ

Answers to the most common questions about our referral partner program.

We welcome professionals from all industries — CPAs, real estate agents, consultants, attorneys, bankers, business owners, and licensed insurance agents. If you regularly interact with business owners and want to add value to those relationships, reach out and we'll have a conversation about how we can work together. All arrangements are discussed personally and structured appropriately for your situation.
It's very simple. Just send us an email or text with the referral's name and contact information, or connect us on a group email or phone call. A quick introduction like "You should speak with ATM Insurance — they'll take good care of you" is all it takes. We handle everything from there.
Compensation arrangements vary depending on the type of partnership and are discussed during your onboarding call. We are transparent about what we can offer and how it works in practice. Everything is agreed upon upfront — no surprises after a deal closes.
Any commercial business is a potential referral — hotels, restaurants, gas stations, retail stores, liquor stores, contractors, healthcare businesses, professional services, and more. If they have employees, property, customers, or any business operations, they need commercial insurance and may benefit from our services.
There is no cost to join and no minimum referral requirement. You can refer once or regularly — entirely on your terms. We'll have a brief introductory call to align on how the partnership works before getting started.
That's actually a great referral — most businesses that already have insurance are overpaying or underinsured. We offer free policy reviews and often find significant savings or coverage improvements. We can still help them, and you still earn if they switch to or add coverage through us.
Yes! We believe in building true two-way partnerships. When our clients need services in your area of expertise (accounting, legal, real estate, financial planning, etc.), we actively refer them to partners in our network. Let us know about your services and we'll keep you in mind.

Apply to Join Our Partner Network

Fill out the form below and we'll reach out within 1 business day to discuss the program and answer any questions.

Partner Application

Tell us about yourself and how you work with business owners. We'll take it from there.

Application Received!

Thank you for your interest in our partner program. Our team will review your application and reach out within 1 business day to discuss the next steps.

Prefer to speak first? Call us at 667-419-0340 or email info@atminsurance.net

Your Network Is More Valuable Than You Think

Turn the relationships you've already built into a new revenue stream — while helping the businesses around you get properly protected.