A three-stage system for moving from captive employee to independent asset owner. Disciplined. Repeatable. Built for operators who refuse to wait.
Auditing current captive contracts to identify exit hurdles, non-compete clauses, and the true ownership status of every client relationship in your book.
Building the tech stack — CRM, comparative raters, and direct carrier access — so the agency operates as a portable, scalable asset from day one.
Executing the transition and securing long-term asset value through ownership-grade contracts, retention systems, and a defensible exit strategy.
5-year income comparison — captive vs independent P&C agent | Sources: Big I 2025 · AM Best 2024 · Bankrate 2025 · Sica Fletcher 2025
| Year | Captive book | Renewal inc | NB inc | Captive total | Indep book | Renewal inc | NB inc | Indep total | Gap |
|---|
Tactical SOPs and templates available on Gumroad.