Since there are NO "retail" brokers in Texas, we call them AGENCY FEES. The law states that we are allowed to charge a reasonable fee - the thought being that there are some things that aren't covered by commission - overnight mailing, postage, extra mail expense, fax costs, printing costs.
Typically you see fees charged in non-standard auto agencies as there is usually a higher "touch factor" involved. The agent has to have a disclosure form signed at point of sale and kept on file. The fee is "market driven" as what might be appropriate in Dallas might not be approriate in Dime Box. I have seen fees run from $40-$100 per application - but keep in mind, the agent "down the street" might NOT be charging fees, so don't get greedy and ruin a good deal for the REST of us. Some agencis charge for EVERYTHING - fax copy, lost ID Cards, endorsements ($10 to add a car, $10 to delete), payment fees for taking payments in the agency ($2-$3.00), and post signs in their offices explaining WHAT the fees are.
If we get letters from attornies wanting information, we reply with a bill for $50 plus copy costs. They don't pay, but, we don't give ANY info to them - and pass along any of their correspondence to the appropriate carrier. Sooner or later - they quit calling.
In Texas, some companies may not allow their agents to charge fees - and any policy written in TAIPA (Texas Automobile Insurance Plan A) or the "assigned risk carrier" CANNOT have a fee charged with issue. I believe it is the same with the FAIR plan for property.
As far as Florida goes, they cannot charge fees, however, they are an "add on" State. Most of them will sell a motoro club or AD&D ppolicy with every application to make up for it. One group that comes to mind in FL is T&R, Inc - 1-800-742-2722 (http://www.towrent.com
) and talk to Ron Manera.
Not sure about NY, but you could contact the NYAAA for additional info.
Good luck and I hope this helps!