Commercial insurance outreach that gets your producers off the cold-calling floor.
VA Horizon runs commercial insurance outreach for agencies and producers over SMS instead of cold calling, qualifying each business owner through Human + AI SDRs on the VA Horizon Private CRM before a meeting is ever offered, for a $300 one-time setup plus $300 to $550 per held, double-confirmed meeting. Your producers only pick up the phone with a prospect who has already agreed to talk.
Pay per booked meeting. No retainer.
Cold calling is the one prospecting task producers are worst at, by the industry's own admission.
This is not VA Horizon's opinion. It is what a competing vendor said about its own market in a bylined trade-press article.
Producers admit they are bad at this specific task
Quality Contact Solutions, a vendor competing for this exact business, put it plainly in Connections Magazine: a producer's strengths lie about anywhere other than cold calling. The same article says prospecting from a producer typically looks like a flurry of activity for a couple of weeks, then it slowly dies.
A cold call is expensive even when it works
Replacing a producer costs 75 to 150 percent of their departing salary, $15,000 to $50,000 in direct cost, and three mid-level exits in a year can run $146,000 to $292,000. Burning a producer's morale and hours on a cold-calling floor is a real cost against that backdrop, not a free activity.
The industry is short-staffed for this work already
The industry faces an estimated 400,000-worker deficit as boomer-generation agents retire, with roughly 47,000 annual job openings projected for insurance sales agents through 2034. January 2026 alone saw 11,300 insurance jobs lost. Fewer people are available to sit on a cold-calling floor every year, not more.
The market is softening, which raises the stakes on prospecting, not lowers them
CIAB's own Q2 2025 survey shows commercial rates decelerating to 3.7 percent growth, with five lines outright declining, and its Q3 2025 resource is titled Soft Market Clear. More carrier capacity chasing the same accounts means less passive retention leverage for incumbents, and a stronger case for active outreach, not a reason to pull back on it.
How outreach turns into a booked producer meeting.
The mechanic behind every meeting on your calendar, not a marketing summary of it.
In-house prospect list, built to your appetite
We source and qualify the business-owner list ourselves, filtered to the line of business, account size, and renewal timing you set at kickoff.
SMS conversation, not a cold dial
Human + AI SDRs run a two-way SMS conversation with the business owner, checking current coverage and openness to a quote against your written criteria, before your producer is ever involved.
Double-confirmed before it counts
The prospect confirms once when they pick a time, and again as the meeting approaches. Only meetings that clear both checkpoints land on your calendar.
Producer picks up an already-warm conversation
Your producer's first contact with the prospect is the meeting itself, backed by the SMS transcript, not a cold introduction.
Pay per held meeting, not per hour of cold-calling.
$300 one-time setup, then typically $300 to $550 per held meeting, exact rate quoted after a fit call.
The $300 setup covers your list build, qualification criteria, and calendar integration. After that, $300 to $550 per held, double-confirmed meeting, exact rate set on a fit call. No retainer, no cost per dial, and no charge for a meeting that never happened.
Double-confirmed
Every meeting is confirmed twice before it counts toward billing: once when it is booked, once as it approaches.
Pay per held meeting
You pay when a qualified, double-confirmed meeting actually happens on your calendar.
No retainer
No monthly minimums and nothing owed between held meetings.
Small one-time setup
Covers your list build, campaign, and calendar integration, quoted on a fit call.
Your appetite, written down first.
The bar you already use to size up a submission gets written down once, before outreach starts.
Line of business and premium size
The commercial lines you write and the minimum account size worth a producer's time, set by you.
Renewal or x-date window
Whether the business is inside a realistic timing window to switch agents or carriers.
Decision-maker reached
The meeting is with the business owner or the person who actually signs off on commercial coverage.
Active interest confirmed
A real, present willingness to talk about coverage, confirmed in the SMS conversation before a meeting is offered.
Why this beats putting a producer on the cold-calling floor.
A producer's time is the most expensive resource in your agency. Here is what changes when cold calling is not what fills their calendar.
Producers stop cold calling, keep closing
Your producer's time goes to meetings that are already qualified and scheduled, not to dialing a cold list that mostly does not answer.
Double-confirmed
Two checkpoints before a meeting counts, catching a prospect who cools off before your producer gets on the call.
No-show, never billed
A no-show costs you nothing. It is replaced free instead of invoiced.
Transcript-backed
Every held meeting ships with the SMS transcript, so your producer knows exactly what was already said.
Commercial insurance outreach, answered.
Do you cold call on our behalf?
How do I outsource cold calling for my agency?
How much does commercial insurance outreach cost?
Why do producers do so poorly at cold calling their own book?
Is this worth it if the market is softening right now?
What if a prospect does not show up?
Get your producers off the cold-calling floor this week.
Book a 15-minute call. We map your appetite and renewal-window criteria, confirm your rate inside the $300 to $550 range, and give you a launch date.
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