???? Who Owns Your Book?
Ask:
-
Do you own 100% of the business you write?
-
Can you sell your book?
-
Can you leave with your clients?
✍️ Binding Authority
Ask:
-
Can you bind policies yourself?
-
Do you have direct carrier access?
-
Are you dependent on a home office?
???? Contract Length
Know Before You Sign
-
Month-to-month?
-
1 year?
-
3 years?
-
5+ years?
-
What are the exit penalties?
???? Startup Costs
Compare:
-
Initial fees
-
Monthly fees
-
Technology fees
-
E&O requirements
-
Marketing costs
-
Hidden charges
???? Commission & Bonus Sharing
Understand:
-
What percentage do you keep?
-
Does the network share contingency bonuses?
-
Are profit-sharing bonuses paid to agents?
-
Are there production requirements?
???? Carrier Access
Ask:
-
How many carriers will you have?
-
Personal Lines
-
Commercial Lines
-
Specialty Markets
-
Life & Health
???? Support & Training
Look For:
✔ New Agent Training
✔ Marketing Support
✔ Carrier Relations
✔ Technology Assistance
✔ Licensing & Compliance Help
⚖️ Questions Every Captive Agent Should Ask
✔ Who owns my book?
✔ Can I leave without penalties?
✔ What happens if I retire?
✔ How many carriers will I have?
✔ Are bonuses shared?
✔ What does the contract really say?
Compare Ownership • Freedom • Flexibility • Long-Term Wealth
The right decision today can shape your agency for years to come.
