Insurance brokers

Insurance brokers: Presence, Momentum or Flood, which plan fits your firm?

Sole broker or growing team, local book or regional ambitions: how to choose between Presence, Momentum, Flood and the exclusive plans, with the prices.

· 5 min read · Kolonell

Broking is a business built on trust and renewals. A client who places their fleet, their staff health cover or their commercial property with you tends to stay for years, renew, and refer others. Every new account is an asset that keeps paying long after the first commission. So the real question is not whether to invest in being found, but how hard to push and towards what goal.

Traffic Engine offers several monthly plans. This guide helps you match one to the size of your firm, your ambitions and the competition in your area, so you neither pay for firepower you cannot use nor stay undersized while rivals pull ahead.

What stays the same on every plan

Whichever plan you choose, the framework is identical. It begins with a Visibility Audit at $750 (where you stand on Google and AI assistants, how you compare with your sector, the potential and an action plan, delivered within 48 business hours), fully deducted from the one-time $1,650 setup if you go ahead within 30 days. Then comes a 12-month commitment, a measured review at three months, a dated report every week and results you follow in your own Search Console.

The guarantee is the same too: what your plan includes goes live on schedule, or the following month is free. What changes is the intensity of the work and the position you hold in your sector.

The plans at a glance

PlanMonthlyYear one (with setup)Best for
Presence$1,200$16,050Entry seat, steady baseline visibility
Momentum$2,100$26,850Growth seat, the most common choice
Flood$3,850$47,850Intensive seat, crowded markets
Momentum Exclusive$4,250$52,650Sector locked, growth ambitions
Flood Exclusive$6,450$79,050Sector locked, maximum effort

These are Traffic Engine's own prices. The offer page lists them in pounds, euros, Canadian dollars and dirhams as well, next to a calculator that tests them against your own numbers.

Three questions that decide it

How big is your firm?

A sole broker or a two-person office has limited capacity. Past a certain number of new cases a month, service suffers, and leads you cannot handle are worth nothing. Presence is usually the right starting point: being found consistently by households and small businesses looking for a broker in your area.

A firm with several account executives, a claims handler and panels with multiple insurers can absorb more and needs to keep its producers busy. That is the classic Momentum profile.

What are you aiming for?

Do you want to hold your book steady and replace natural lapses, or grow in a specific line such as group health for SMEs, fleet cover for haulage firms or contractors' liability? The more ambitious and commercial the target, the stronger the case for a growth plan. A single group scheme or fleet account can bring recurring commission for years.

If you plan to open a second office or cover a wider region, Flood gives you the intensity to establish yourself quickly.

How crowded is your market?

In a large city where brokers, comparison sites and direct insurers chase the same commercial clients, Presence may leave you behind firms that invest more. In a smaller town where few brokers are easy to find online, Presence or Momentum often secures an early lead.

If your sector is still open in your area, the exclusive plans lock it: no other broker is represented for the length of your contract. That is the route for firms that want to become the local name. It disappears as soon as a first standard seat is signed.

How much of your own time can you give it?

Whatever the plan, the work itself is handled for you. What does depend on you is how quickly enquiries get a reply. A household asking about home cover may compare three brokers in an afternoon; a finance director reviewing a group scheme expects a call back the same day. Choose the plan your team can actually answer, not the one that looks most impressive on paper.

Compare plans by client value, not monthly cost

The right comparison is not the monthly fee on its own but what a client is worth over the relationship, across commission and renewals. Put that figure next to the year-one cost of each plan and ask how many new commercial accounts it would take to break even. For many brokers the answer is a small number, because accounts renew. The payback calculator on the offer page runs this with your own figures and allows for the ramp-up in the first three months. For the wider budgeting question, read what visibility budget an insurance broker should plan.

Common mistakes

  • Picking the cheapest plan by reflex, then being disappointed at not catching a competitor investing far more.
  • Taking the most powerful plan without the sales capacity to answer the enquiries: leads followed up late are leads lost.
  • Leaving exclusivity too late: it can only be bought while the sector is empty.
  • Judging after six weeks: that is why the review sits at three months and the commitment at twelve. Our guide on why visibility work runs on a 12-month commitment explains the reasoning.

Making the call

If you are torn between two plans, the Visibility Audit exists to settle it: it measures your starting point, maps your competitors and recommends the right intensity. It is deducted from the setup if you start within 30 days, and each sector is capped at 3 seats per area. See the offer and check availability in your sector.

Frequently asked questions

Which Traffic Engine plan suits a sole insurance broker?

Presence, at $1,200 a month, is usually the right start for a sole broker or small office: steady baseline visibility matched to limited capacity. If your area is very competitive or you are targeting commercial accounts, Momentum can make sense. The Visibility Audit helps you decide with real data about your market.

What does the first year cost with Traffic Engine?

Year one combines the $1,650 setup with 12 monthly payments: $16,050 on Presence, $26,850 on Momentum, $47,850 on Flood, $52,650 on Momentum Exclusive and $79,050 on Flood Exclusive. The $750 Visibility Audit is deducted from the setup if you start within 30 days.

What do the exclusive plans give a broking firm?

They lock your sector in your area: Kolonell represents no other broker for the whole 12-month commitment. Momentum Exclusive is $4,250 a month and Flood Exclusive $6,450. They are only available while no standard seat has been signed in your sector and area, so timing matters.

Can I change plans during the commitment?

The natural moment to discuss it is the measured review at three months, when you have the first results in your own Search Console and several weekly reports. That is the time to look at enquiries received against your capacity to handle them. The exact terms are set out in the contract.

How do I know whether Momentum will pay off for my firm?

Start from what a new client is worth over the relationship, including renewals. Compare that with the $26,850 year-one cost of Momentum and count how many new accounts would cover it. The calculator on the Traffic Engine page does this with your own figures, month by month.

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