INSURANCE PREMIUM FINANCE

A premium finance
partner built around
your agency.

HIG Premium Finance provides commercial insurance premium financing to insurance brokers and agencies: competitive terms, fast turnarounds, and a principal you can reach directly. Institutional platform, family-business service.

Appointments available to licensed retail agencies and brokers.

Institutional insurance partnership

Available in all 50 states

Quoting and billing on PBS

New York, NY

What HIG provides

✓ A principal on the phone: rate exceptions and fixes in one call, not a support ticket
✓ Proactive calls and emails on every account over $10,000 before it cancels
✓ Income on business you already place: set your own compensation, paid monthly
✓ Flexible rates, down payments, and terms, set per agency and per account
✓ Fast quoting on PBS, with clear terms and e-signed agreements
✓ Full-service billing and collections, at no cost to appointed agencies
✓ Personal lines financing in select states, at or below commercial rates

CAPABILITIES

Built around how your agency works

Everything below is standard for our agencies, not reserved for the largest accounts.

Flexible rates & down payments

Rates, down payments, and terms set per agency and per account, never one-size-fits-all.

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Fast quotes, clear terms

Quotes come back quickly, with terms laid out clearly for you and your client.

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Direct principal access

You work with an owner who can adjust terms on the spot, never a call center queue.

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Full-service billing

Invoicing, installment collection, and servicing handled end to end, with online access for your insureds.

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Pre-cancellation outreach

Every account over $10,000 gets proactive calls and emails before it cancels, protecting your book, your commission, and your client relationship.

Income for your agency

Set your own compensation on the accounts you finance, within the limits your state allows, paid monthly, at no cost to the agency.

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Rewards & agency support

An optional producer rewards program, complimentary education sessions, marketing materials, and our Broker Manual for your team.

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Free, simple appointment

Appointing your agency is free and takes one short onboarding form. We handle the setup and walk your producers through quoting.

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Institutional platform, boutique service

The systems of an institutional firm and the attention of a family business, with financing available in all 50 states.

NEW · SELECT STATES

PERSONAL LINES

Personal lines financing, too

For agencies that place their commercial business with us: personal lines financing in a growing list of states, priced at or below our commercial rates. Your personal lines clients get the same terms and the same service. Tell us where you write and we'll confirm availability.

HOW IT WORKS

The financing process, end to end

Submit the account

Your agency submits policy and premium details, and HIG returns finance terms promptly.

Execute the agreement

The insured reviews and signs a premium finance agreement with a defined down payment and installment schedule.

HIG funds the carrier

After the down payment is received, the financed premium is remitted to the carrier.

Servicing & installments

HIG administers billing and collects installments over the term, reaching out to accounts over $10,000 before any cancellation.

HOW FINANCING WORKS

Premium financing, in plain terms

Rather than paying an entire commercial premium up front, the insured makes a down payment and pays the balance in equal monthly installments. Here's how a financed account is structured.

A modest down payment

The insured pays a portion of the premium up front, typically around 20%, and coverage binds right away.

HIG finances the balance

HIG pays the rest of the premium to the carrier on the insured's behalf.

Level monthly installments

The insured repays HIG in equal monthly payments over the term, usually ten, with online account access and ACH autopay.

Appointed agent? Open the live estimator

PROGRAM TERMS

Competitive, tiered pricing

Rates are set by amount financed across eleven tiers, from the smallest accounts to $500,000+, and step down as accounts get larger. Your agency's rate sheet has the exact rate for every tier.

11 tiers

We finance from the smallest premiums to $500,000+. Every account lands on a defined tier.

Tier by tier

Rates step down at every tier as the amount financed grows.

Preferred

Lower pricing for qualifying agencies on accounts of $25,000+ financed, up to a full point below standard.

How rates step down

All eleven tiers by amount financed. Exact rates are on your agency rate sheet.

Tier	Amount financed	Preferred*
1	Up to $1,000	Standard only
2	$1,000 – $5,000	Standard only
3	$5,000 – $10,000	Standard only
4	$10,000 – $15,000	Standard only
5	$15,000 – $25,000	Standard only
6	$25,000 – $50,000	Available
7	$50,000 – $75,000	Available
8	$75,000 – $100,000	Available
9	$100,000 – $250,000	Available
10	$250,000 – $500,000	Available
11	$500,000+	Available

StandardPreferredShorter bar, lower rate (not to scale)

*Preferred rates require $25,000+ financed per policy and a $150,000 minimum average financed per policy, portfolio-wide; qualification is confirmed at setup and reviewed as portfolio volume changes. Indicative rates, not a rate lock, quote, or APR disclosure. Actual rate, down payment, and installment terms are set per agency agreement and subject to underwriting.

What this looks like in practice

A $126,000 commercial premium on our standard structure (20% down, 10 monthly installments):

Insured pays today

$25,200to bind

Instead of$126,000

Kept in the business$100,800

With preferred*

≈ $470saved over the loan

Tier 9 rateA full point lower

Down paymentSame $25,200

The other $100,800 (Tier 9) is spread over 10 equal installments of $10,080 plus an even share of the finance charge. For you: a $25,200 down payment closes the sale, and your client keeps $100,800 working in the business.

*Preferred pricing is subject to qualification. Figures are rounded and are not a quote. Your rate sheet has the exact rate for every tier; actual rate, down payment, and terms are set per agency agreement and subject to underwriting.

Standard program structure

20%

Standard down payment

Monthly installments

25%

Maximum minimum-earned premium

Equal-installment option on request

WHY HIG

Built to be the easy choice

Four things agencies tell us they don't get from the larger shops.

Speed

Quotes back fast, with a principal on hand to answer questions on the spot.

A principal, not a queue

You get an owner's cell phone. If a term needs to change, it changes on that call.

Institutional platform

Available in all 50 states, with institutional billing, servicing and documentation behind every account.

More for your agency

Agency income on every account, optional producer rewards, complimentary education sessions, and marketing support.

TECHNOLOGY

A quoting experience built for speed

Agencies quote and bind through PBS, a premium finance quoting and billing platform configured to your agency's rates, down payment structure, and workflow.

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Quick Quote, when speed matters

A single-page quoting path for straightforward accounts, with no multi-step forms when you don't need them.

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Configured to your agency

Your rates, down payment terms, and workflow are set to match your program from the first login.

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Clear, e-signed documentation

Finance agreements and disclosures generated and signed digitally, with funding visibility throughout.

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Online account access

Your insureds can view balances and payment history without a call to your office.

FAQ

Questions agencies ask us

No. Appointment is free and takes one short onboarding form. You quote; we handle billing, collections, and servicing on the financed accounts.

HIG Premium Finance pairs the systems of an institutional firm with the attention of a family business. Billing, servicing and documentation run on an institutional platform, financing is available in all 50 states, and you work directly with a principal on every account.

A principal. If an account needs a rate exception, an adjusted structure, or a late fee waived, that's one call to an owner, not a support ticket. We answer, we decide, and we follow through.

Every financed account over $10,000 gets proactive calls and emails ahead of a cancellation notice. You shouldn't be learning about a payment problem from your client. This keeps coverage in force, keeps your commission intact, and keeps the relationship yours.

Yes. You set your own compensation on the accounts you finance with us, within the limits your state allows, paid out monthly. It's income on business you're already placing, at no cost to the agency. An optional producer rewards program is also available.

HIG focuses on commercial insurance premium finance: general liability, property, and related commercial lines placed by agencies and brokers, from the smallest premiums to $500,000+. Reach out about a specific account if you're unsure whether it's a fit.

Yes, in select states. Personal lines financing is rolling out in a growing list of states, priced at or below our commercial rates, for agencies that place their commercial business with us. Tell us where you write and we'll confirm whether we're there yet. Personal lines accounts are written on a separate finance agreement with the consumer disclosures each state requires.

Onboarding is straightforward. Once your agency is appointed and configured in PBS with your rates and down payment structure, your producers can begin quoting through the standard flow or the one-page Quick Quote for simple accounts.

After a down payment, the insured pays HIG in monthly installments over the financed term. Insureds get an online account to view balances and payment history, and ACH autopay is available.

HIG does, end to end. Invoicing, installment collection, and account servicing are administered on your behalf so your team stays focused on placing business.

Yes. HIG offers commercial insurance premium finance in all 50 states. Specific terms vary by state and are subject to underwriting.

CONTACT

Talk to HIG

Questions about the program, a specific account, or getting your agency appointed? Send us a note and a member of our team will reply within one business day.

Send a message

Or email us directly

info@higpf.com

Best for quick questions, or for sending account details and documents.

What to include

Your agency name, the states you write in, the lines of business you place, and the typical premium size of the accounts you'd like to finance. That lets us come back with useful terms on the first reply.

HIG works with licensed retail agencies and brokers nationwide. Everything from quoting to onboarding is handled remotely, working directly with a principal. No office visit needed.

Appoint your agency with HIG