As a dollar floats from your agency over to the company, you get to pluck out about a dime. Out of that dime you’ll need to pay rent, payroll, printing, technology and so on. What’s left–if anything–is your profit.

Insurance is a tough business, and even tougher now than in the past.

Independent agencies are in a numbers war. Less commission dollars for additional work is forcing agencies to become more efficient. Working harder for less money is now the norm.

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