Commissions at an Independent Agency

Don't forget, the office, staff, software, insurance, marketing, supplies, etc. aren't free. Unless you are directly paying for any of this, then the cost is baked into your commission split. Also, the agency owner has to make a profit. If the profit doesn't justify the headache (and yes you are a headache, no matter how good you are) then the agency isn't going to do it.

Finally, if you are also getting 40% of the renewal commission, that is pretty nice. You income will only grow as you build a book of business with the agency.

This^^^^^. If you have never owned a agency it is difficult to understand all the costs that go into being open. Payroll is the biggest drain on a business and that includes payroll, taxes, benefits, etc. If a producer has a office in the agency, benefits like 401k and health insurance, computers etc then 40% is pretty good for new and renewal business imo.
 
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