The Math Behind Going Independent (as an Insurance Agency)

Richard Johnston joins Agency Ascend to share one of the most transparent conversations we’ve had yet about leaving the captive insurance model and rebuilding independently. Richard walks through the realities of operating a captive agency, including shrinking bonuses, staffing requirements, storefront overhead, and aggressive rate increases that eventually pushed him to reconsider his future. He also shares the emotional side of the transition — including being told his book “wasn’t attracti...