This is such a helpful and resourceful thread for insurance folks in all stages of their careers. I can personally relate as I am currently opening my own brokerage and have worked through many of these startup issues recently. I have just secured my E&O insurance and am now finalizing the business plans to begin approaching clusters. This is definitely a career changing decision in branching out on my own but I have never been more motivated and excited about work. Good luck to all those indys out there and especially to all who are just beginning such as myself!!