Hello everyone. While I am not new to insurance (15 years and counting) - I opened my own agency almost 5 years ago. Starts and stops. Was a captive agent for a large national carrier, but found that being a captive agent wasn't the best fit for my clients or myself. I had been an independent agent for a decade before going captive. Quit the captive (P&C carrier) and opened an independent insurance agency. LOVE having options for my clients. If one carrier raises your rates - no worries! I have several other options for you. Due to starting over, rebuilding my book of business is all-consuming...I am in that constant battle of where is my next client coming from. I am looking forward to hearing your comments, gaining knowledge in areas that I am not as comfortable in, and networking.