What we do
Retail agents win clients; wholesalers win placements. INVO's job is the second half of that sentence. When an independent agency has a risk its direct appointments can't or won't write — a roofing crew, a first-year trucking authority, a staffing firm, a bar with a band on Saturdays — INVO provides the market access and the underwriting advocacy to place it, without ever touching the agent's ownership of the client. The agent keeps the relationship and the renewal; INVO supplies the markets, the appetite knowledge, and where a risk needs excess-and-surplus-lines paper, the E&S licensing and filings.
Two paths, one appointment
| Path | Built for | Speed |
|---|---|---|
| Digital marketplace | Mainstream classes with clean history — quote, compare and bind carrier markets online | Minutes |
| Underwriter desks | Restricted classes, loss histories, high mods, new ventures, E&S placements — a person reads the file | 24–48 hours on direct submissions |
The two paths share one appetite dataset, one portal and one appointment — so the decision of where a risk goes is about the risk, never about paperwork.
The six divisions
BOP, GL, professional, cyber and small-commercial comp — instant quote and bind.
Home, dwelling, auto, umbrella and specialty personal risks across digital carrier partners.
Roofing, tree service, home healthcare, construction, staffing — hard-to-place comp in 47 states.
Trucking liability, physical damage, cargo and excess — new authorities welcome.
The flagship temp-staffing WC program: 47 states, guaranteed cost or large deductible, pay-as-you-go.
22 underwriter-desk markets — restaurants, contractors, cyber, EPLI, events, habitational and more.
Why agents work with INVO
- One appointment, everything open. A single free application — approved in 1–2 business days, no volume commitments — unlocks the digital marketplace and every underwriter desk.
- Speed that matches the risk. Digital classes bind in minutes; underwriter-desk submissions get a human answer in 24–48 hours, not a two-week silence.
- Appetite clarity. The marketplace shows which markets want a risk in which state before anything is submitted — appetite knowledge is the product, and it's searchable.
- You keep the client. Wholesale distribution means the retail agent owns the relationship and the renewal, always.
The people on the desks
Submissions at INVO land with named underwriters, not a queue. These are the people who pick up:
Underwriting desks
Digital & agent support
Your regional marketing rep
Common questions about INVO
What is INVO Underwriting?
INVO Underwriting is a wholesale insurance broker and MGA headquartered at 800 Oak Ridge Turnpike in Oak Ridge, Tennessee. It gives independent retail insurance agents access to 100+ carrier markets across six divisions, through a digital quote-and-bind marketplace and in-house underwriter desks.
Who can work with INVO Underwriting?
Independent retail insurance agents and agencies. Agents get appointed once — a free application — and that single appointment opens the digital marketplace and every underwriter desk. The retail agent always keeps the client and the renewal.
What is the difference between INVO's digital and underwriter-desk paths?
Digital markets quote and bind mainstream classes online in minutes. Underwriter desks handle the accounts that need a human — restricted classes, loss histories, high mods, new ventures and E&S placements — with direct submissions answered in 24–48 hours by division underwriters in Oak Ridge.
What is StaffShield?
StaffShield is INVO's flagship temp-staffing workers' compensation program, available in 47 states. It writes temporary staffing and employee leasing risks on guaranteed cost or large deductible structures, with pay-as-you-go billing.
Work with the desk, not the queue
One free appointment opens 100+ markets, six divisions and every underwriter listed above. Approved in 1–2 business days.
Get Appointed with INVO →