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I run a really small insurance agency selling p&c. I do not have many accounts right now and I actually shy away from generating too much business right now for a few reasons. One of the main reasons is because I don't feel fully committed and not sure if I really want to do this long term. But I also need to earn a living right now so I am wondering if I were to sell a ton of insurance over the next year and don't want to deal with servicing or hiring someone to service if i could easily sell them.
Caveat, not an agent.
Sounds to me like you should consider working for someone else that can support the overhead of servicing business and provide long term agency stability for the customers.