The Truth About Independent Commissions & Contingencies

Are you tired of taking commission "haircuts" while building someone else's book of business?

In this episode of The Independent Roadmap, James Roberts and John Scheer tackle the topic that is near and dear to every agent's heart: getting paid. They break down the exact commission structures, average renewal rates, and hidden revenue streams available in the independent insurance space.

If you are currently making 2%, 5%, or even 7% on your renewals at a captive carrier, this episode will show you the exact math of how going independent can effectively double your income on the exact same size book of business.

In this episode, we cover:

• Standard Commissions: The standard 10% to 15% (and sometimes up to 25%) ranges for new business and renewals across personal and commercial lines.
• The Captive vs. Independent Gap: Why the average independent agency with a $1M to $3M book sees an average renewal rate of 12%.
• Quarterly Bonuses (PMSF): How MIAA and SIAA pay out quarterly bonuses.
• Year-End Contingencies: Why most standard carriers require a $250,000 premium threshold to qualify for profit sharing, and how joining the alliance bypasses that hurdle so you earn contingencies immediately.
• Broker Fees: How to leverage E&S business to create an entirely new revenue stream for your agency.

Don't just produce—own your legacy.

Resources Mentioned:

• Connect with James Roberts on LinkedIn: https://www.linkedin.com/in/james-roberts-kc/
• Book a direct appointment with James: [Insert Booking Link]
• Connect with John Scheer on LinkedIn: https://www.linkedin.com/in/john-scheer-lincoln/