How Monark Makes Money

Monark is completely free for brokers. There are no subscription fees, no per-user charges, and no hidden costs for broker agencies using the platform.

So How Does Monark Make Money?

Monark is funded by carriers, not brokers.

When a broker places business through Monark, carriers pay Monark a fee in the form of an override commission. This is a standard industry arrangement — override commissions are paid by carriers at the carrier level and have no effect on broker compensation whatsoever.

To be explicit:

Brokers receive the same commission they always would. Monark's fee does not come out of broker commissions.
Carriers pay Monark separately, as a platform fee for the workflow and distribution value Monark provides.
Employers pay nothing to use the proposal review experience.

Why Is It Free for Brokers?

Monark's business model is designed to align incentives. Brokers are the primary users of the platform — the better Monark works for brokers, the more business flows through it, and the more value carriers get. That alignment means brokers get a fully-featured platform at no cost.

Is There a Catch?

No. Brokers keep 100% of their commissions. Monark does not take a cut of broker revenue, does not charge setup fees, and does not require a contract commitment to get started.

Summary

| Who pays? | What they pay | Effect on broker commissions | | --------- | ----------------------------- | ---------------------------------------- | | Carriers | Override commission to Monark | None — broker commissions are unaffected | | Brokers | Nothing | N/A | | Employers | Nothing | N/A |

For more information, visit monarkhq.com or start a chat with us anytime.