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The independent insurance model is booming. More agents than ever are leaving the safety of captive carriers behind to carve out their own path. But while the rewards can be great, the journey is not without its pitfalls.
I’ve lived both sides. After beginning my career in the captive world, I launched my own agency, Garzella Group, and grew it from scratch to more than $86 million in premium over just 10 years. Along the way, I learned some lessons the hard way - and now I help others avoid those same mistakes. If you're considering going independent, here are four essentials to keep in mind:
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