Bolt
Overview
Access software that connects insurance agents to multiple carriers, operating as the layer beneath Craft Lake in the embedded-brokerage platform farmers provides its captive agents. Agents who once held standalone Bolt access no longer need it once the carrier integrates it.
Corporate details — ownership, funding, carrier count, commercial scope — are not established; this page is built from one operator interview, not primary research.
Relationships
- farmers — integrated Bolt via Craft Lake into its “Farmers Choice” programme.
- first-connect — the comparable instant-appointment marketplace already tracked here; both solve market access without the agent holding every appointment.
- coverforce · herald — the API-first quoting rails; Bolt sits in the access/appointment layer rather than the quoting layer.
Notes
- Why it matters to the thesis: Bolt-under-Craft-Lake-under-Farmers is a working, deployed, AI-less version of “one system, many carriers, one payment relationship” — much of the surface the team describes as empty. It is worth deciding explicitly whether that makes it a competitor, a channel to ride, or a template to copy.
- It also reframes the captive/independent split this wiki has treated as a clean line: a captive agent with embedded brokerage has broad market access and the captive’s brand, lead routing, and settlement.
- Not yet assessed: carrier count, commercial-lines depth, economics of the agent’s cut, API availability, and whether a non-captive can access the same rails.
Mentioned in
- 2026-08-20-directions-jasmyne-mcdonald-farmers-captive-interview — named as the access layer under Craft Lake.
- embedded-brokerage-for-captive-agents — the pattern page.