---
title: "Web Design for Insurance Agencies"
description: "Insurance agency websites built around your lines, carriers and state rules. Starting at a $1,500 build plus $99 a month, and you own the site."
url: "https://riskado.com/services/web-design/"
lang: "en"
image: "https://riskado.com/og/page-web-design.jpg"
---

# Web Design for Insurance Agencies

![A small agency storefront on a main street with a laptop open on the front desk inside](https://riskado.com/pages/web-design/featured.jpg)

We build insurance agency websites that make it easy for nearby customers to see what you write, where you serve, which carriers or products apply, how to reach you and how to ask for a conversation. Each site connects to the systems your agency already runs, works well on a phone, protects quote information and follows carrier and state advertising rules. Pricing starts at a $1,500 build plus $99 a month for hosting, care and at least four new blog posts a month. Once the build fee is paid, you own the site, the domain and everything on it.

## What we build for an insurance agency

A typical agency site we build runs 60 to 80 pages: a page for each line you write, pages for the towns you serve, a producer page and guides. Every site starts with the pages a shopper needs before picking up the phone:

- A home page that shows your agency name, location, phone, hours, languages, service area and a clear way to request a quote or a consultation.
- A contact page with phone, email, address or a service-area explanation, a map where it fits, hours, and instructions for claims and after-hours problems.
- Separate service pages for auto, home, renters, life, health and commercial insurance, limited to the lines you actually write.
- A quote-request form that asks only for what your agency can handle securely, explains what happens next and sends the request into your own workflow.
- An agency or producer page with licenses, credentials, experience and the lines you offer.
- Carrier information that fits your status. An independent agency names the carriers it represents. A captive office names its carrier relationship clearly, without suggesting access to other companies.
- Reviews and testimonials that are genuine, current and shown with any required disclosures.
- A privacy notice, terms or disclaimers where needed, HTTPS, accessible navigation and a layout built for mobile.

Each line gets its own detail. Auto pages cover coverage types and how claims and billing questions are routed. Home and renters pages separate homeowners, renters, condo, landlord and flood questions. Life pages explain the policy types you offer and what underwriting involves. Commercial pages name the industries you work with and lines such as general liability, workers' compensation, bonds and professional liability.

We also publish your name, address, phone, URL and hours as structured data so search engines can read them, using [Google's LocalBusiness guidance (opens in a new tab)](https://developers.google.com/search/docs/appearance/structured-data/local-business). Structured data does not guarantee a rich result in Google, so we treat it as accurate labeling rather than a ranking trick. The same business details stay consistent between your site and your Google Business Profile.

## How quote requests reach your agency

Your website is the public front door. Your agency management system, comparative rater and CRM stay the systems of record, and we connect the site to them rather than creating another database for your staff to check.

There are four practical ways to connect a site to your agency, and we pick the one your setup supports:

1.  A secure quote-request form that sends a structured notice to your own email or CRM.
2.  A quote or application widget supplied by your management system or rater vendor.
3.  An approved API or partner integration that creates a prospect or task in your management system.
4.  A link to a carrier, rater or client portal when no approved integration exists.

The vendor rules shape which option fits. Production API access to [Applied Epic (opens in a new tab)](https://www1.appliedsystems.com/en-us/solutions/for-agents/agency-management-system/applied-epic) requires an approved application and credentials, according to the [Applied Dev Center (opens in a new tab)](https://devcenter.myappliedproducts.com/docs/overview). The [HawkSoft Partner API (opens in a new tab)](https://blog.hawksoft.com/partner-api-3.0) is limited to vetted partners and agencies because it reaches sensitive agency data, and HawkSoft also supports [importing website lead-capture data (opens in a new tab)](https://go.hawksoft.com/hubfs/Import%20Export%20Reference%20Sheet.pdf). Vertafore AMS360 has [published OData documentation (opens in a new tab)](https://ams360-internalservices.alpha.vertafore.com/OData/v21/), so we confirm your deployment and authentication before planning a connection. [EZLynx (opens in a new tab)](https://www.ezlynx.com/globalassets/all-documents/resources/brochures--data-sheets/ezlynx-product-guide_en-us.pdf) offers consumer quoting through an agency website, so an EZLynx agency usually keeps quote logic in EZLynx instead of rebuilding it in a separate form. [Zywave TurboRater (opens in a new tab)](https://www.zywave.com/wp-content/uploads/sites/2/2024/02/turborater_integrations_jan-2025_v8.pdf) integrates with Applied Epic, HawkSoft and AMS360, which gives some agencies a path from the website through the rater.

Whatever the connection, a form submission on your site is a request, not a quote, an application or a bind request, and the page says so. We keep Social Security numbers and payment details out of general forms, never place management system credentials in the website, and document who receives each submission, where it is stored and how long it is kept. A quoting or booking integration beyond a link or an embed changes the price, and we scope it in writing before any work starts.

![A tablet and a phone with blurred screens on a wooden reception counter](https://riskado.com/pages/web-design/site-pages.jpg)

## Websites for captive agents

A captive agent can often add a local site to what the carrier already provides, but the carrier decides what is allowed. [Allstate's agency ownership FAQ (opens in a new tab)](https://www.allstate.com/lps/startanagency/faqs) says it gives agents a free, customizable agency website and a local marketing plan, subject to the Allstate Education Agreement, so an outside site for an Allstate office is a supplement reviewed against that agreement. State Farm handles agent brand resources through internal channels, according to the [State Farm Brand Center FAQ (opens in a new tab)](https://prod.brand.statefarm/content/brandcenter/us/en/faq.html). Farmers agents confirm current website, trademark, content and preapproval requirements with Farmers before anything is published.

For a captive office, we build the local pieces that belong to your office: your biography, office hours, the towns you serve, appointment options, a contact form routed to your office, community information and accessibility improvements. We keep the carrier's approved product wording and marks exactly as approved, and the site never suggests the office can compare unrelated carriers or bind coverage outside its appointment. Every carrier-sensitive page goes through your approval contact before launch, and we keep the approved version on file.

## Advertising, review and privacy rules we build around

Insurance websites can count as advertising under state law, so we write and structure pages with those rules in place and send every carrier name, product description, license statement, comparison, testimonial and service-area claim to your agency for approval before it goes live.

In Connecticut, the [Unfair Insurance Practices Act, Conn. Gen. Stat. § 38a-815 and § 38a-816 (opens in a new tab)](https://www.cga.ct.gov/Current/pub/chap_704.htm), covers producers and lists misrepresentation and false advertising among prohibited practices. [Regs. Conn. State Agencies § 38a-819-25 (opens in a new tab)](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_38aSubtitle_38a-819Section_38a-819-25/) requires disclosures that are not minimized, obscure or ambiguous, and [§ 38a-819-5 (opens in a new tab)](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_38aSubtitle_38a-819Section_38a-819-5/) requires accident and sickness advertising to be complete, clear and truthful. In Massachusetts, [Mass. Gen. Laws ch. 176D, § 3 (opens in a new tab)](https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter176D/Section3) treats untrue, deceptive or misleading insurance advertising as an unfair practice, and the Division of Insurance [auto advertising guidelines (opens in a new tab)](https://www.mass.gov/doc/2009-14-guidelines-for-truth-in-advertising-and-marketing-in-the-private-passenger-motor-vehicle-insurance-market/download) require fair, complete comparisons and named sources for statistics. In Rhode Island, [230-RICR-20-25-5 (opens in a new tab)](https://rules.sos.ri.gov/regulations/part/230-20-25-5) counts web pages as advertising for life insurance and annuities, requires testimonials to be genuine and current, and says producer-created advertising may need prior approval. Web-based material can be advertising in New York as well, according to the [New York Department of Financial Services (opens in a new tab)](https://www.dfs.ny.gov/system/files/documents/2019/08/ah_grpmedicare.pdf). Rules differ by line and by state, so a site serving several states keeps state-specific content separate.

Reviews follow federal rules. The FTC revised its [Endorsement Guides in June 2023 (opens in a new tab)](https://www.ftc.gov/news-events/news/press-releases/2023/06/federal-trade-commission-announces-updated-advertising-guides-combat-deceptive-reviews-endorsements), and its [Rule on the Use of Consumer Reviews and Testimonials (opens in a new tab)](https://www.ftc.gov/legal-library/browse/rules/rulemaking-use-consumer-reviews-testimonials) took effect October 21, 2024. On your site, that means reviews from real clients, unedited in meaning, with material connections or incentives disclosed, and no selective display that gives a misleading overall impression.

Quote forms carry privacy duties too. The [Gramm-Leach-Bliley Act (opens in a new tab)](https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act) covers companies offering insurance and requires privacy notices, and the [FTC Safeguards Rule (opens in a new tab)](https://www.ftc.gov/business-guidance/resources/ftc-safeguards-rule-what-your-business-needs-know) requires covered institutions under FTC jurisdiction to keep an information-security program. State insurance privacy rules can apply on top of that. We link your privacy notice directly from each form, collect the minimum information needed and keep submissions behind HTTPS. Your agency or its counsel confirms the privacy notice, security controls, retention and vendor terms before the form collects quote information.

Accessibility is part of the build. The Department of Justice says inaccessible web content can deny people with disabilities equal access, and its [2022 web guidance (opens in a new tab)](https://www.ada.gov/resources/web-guidance/) points to WCAG as a technical reference. We build labeled forms, keyboard access, readable contrast, clear error messages and screen-reader support into every page.

## What it costs

Our prices are flat fees, and every price below is a starting point:

- **Website:** starting at $1,500 build plus $99 a month. That covers a full site, typically 60 to 80 pages, with hosting, care and at least four new blog posts a month.
- **Google Business Profile management:** starting at $149 a month.
- **Local SEO and AI search:** starting at $395 a month with a 6-month commitment, or $495 a month month to month.
- **Social media:** starting at $295 a month for three posts a week on two platforms.
- **Growth bundle (all three add-ons):** starting at $595 a month with a 6-month commitment, which is $244 a month less than the $839 they cost separately.

Several things change the price: the number of pages and locations, quoting or booking integrations beyond a link or embed, extra blog posts, extra social platforms and content written from scratch. Stated commitments stay exactly as priced.

No website can promise rankings, leads or a set number of calls, and we make no such promise. Google says local results depend mainly on relevance, distance and prominence, and that there is no way to pay for a better organic local ranking, according to [Google's local ranking guidance (opens in a new tab)](https://support.google.com/business/answer/7091?hl=en). What we can do is build accurate, useful pages and set up analytics that separate calls, forms and appointments, so you can see what the site actually does for your office.

## Who owns the website, and what happens if you leave

Once the build fee is paid, your agency owns its website, domain, design, copy, photos, finished videos, code, analytics, Search Console, forms and customer data. We transfer ownership of accounts such as the domain, hosting, analytics, search and Google Business Profile to your agency as needed, and accounts you already own stay yours.

The monthly website plan is optional and month to month. You can cancel any time, and the site stays yours: we transfer it and its accounts to you. It stops receiving the monthly posts and care, and you keep everything you own. If you move to another company, everything goes with you: we hand over credentials and documentation so any developer can pick up the work. We keep clients by doing good work, not by holding a site hostage.

Nothing on this page is a quote or a contract. Work starts with a signed written agreement that sets out the scope, price and timeline, and a paid setup or build fee. We do the work ourselves.

## What we need from your agency

A good agency site depends on facts only your office can confirm. Before we build, we gather:

- Your legal and public agency name, and whether you are independent or captive.
- License and producer information.
- The states, towns and industries you serve, and the lines you actually write.
- Carrier names and the logos you are permitted to use.
- Office address, phone, email, hours, holiday schedule and languages spoken.
- Claims, billing and policy-service instructions.
- Access to your existing domain, hosting and website.
- Brand assets and approved carrier materials.
- Reviews and testimonials with permission and attribution.
- Who receives form submissions and who owns the follow-up.
- Your privacy notice, vendor instructions and data-retention requirements.
- Carrier or compliance approval contacts.
- Any management system, rater, CRM or scheduling credentials, shared through the vendor's secure process.

From there, we handle the page plan, design and development, copy editing, form routing, analytics and Search Console, accessibility testing, migration of approved content, vendor coordination, and launch testing, redirects and backups. You review the facts and the compliance claims; we do the rest.

## Questions agencies ask about their website

Short answers to questions agencies ask before a website project.

### Can an insurance agency website give instant quotes?

It can when the agency's rater or management system supports it. Real-time quoting depends on your rater, carrier appointments, data requirements and approvals; otherwise the site collects a quote request and sends it to your team.

### Can the website send quote requests to the agency's own email?

Yes. A secure form can send a structured notice to a monitored agency inbox or CRM, and we document who receives it and who owns the follow-up so no request disappears.

### Can an agency website have English and Spanish pages?

Yes. A bilingual agency can have full English and Spanish pages for its lines, contact details and quote requests, with each language reviewed by the agency like any other page.

### What happens to the website if we cancel the monthly plan?

The site stays yours: we transfer it and its accounts to you, and you keep everything you own. It stops receiving the monthly blog posts and care that the plan covers.

If you run an insurance agency and want to talk about a new site or a redesign, [contact Riskado](https://riskado.com/contact/) or read more about [what we offer agencies](https://riskado.com/for-agencies/).