Thinking about going independent?

Join the Big “I” for resources, support and community you need to transition from a captive agency to an independent agency.

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Build an Agency That’s Truly Yours.

You’ve spent years building relationships, serving clients and growing your insurance expertise. If you’re considering the move from captive to independent, you are not alone. Independent agents enjoy the flexibility to offer more choices, build agency value and create a business that reflects their goals. The transition can feel overwhelming, but many agents have successfully made the move and there are resources available to help you navigate the process.

Whether you’re just exploring your options or actively planning your next chapter, the Big “I” offers tools, education and support designed to help independent agencies succeed.

Why Agents Consider Independence?

Every agent’s journey is different, but many agents explore independence to:

Offer clients more carrier and coverage options
Build a business they own and control
Diversify revenue opportunities
Create long-term agency value
Gain flexibility in how they operate and grow

Going independent isn’t about leaving something behind—it’s about creating new opportunities for your clients, your team and your future.

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Learn how the BIg “I” Can Help

How to Start an Independent Agency

Learn the key steps involved in launching and growing an independent agency, from licensing to business planning to market access and operations.

Get E&O Coverage

The Big “I” offers the largest, most stable E&O insurance programs in the country and supports agents with an extensive library of resources aimed at preventing errors before they happen.

Market Access Solutions

Explore programs designed to help agencies access carrier markets and expand their opportunities and alliance opportunities offering hands-on support. Big “I” Alliance Blue and Gold can help.

Employee Benefits

As a captive agent, many business services may have been provided for you. As an independent agency owner, you’ll have the flexibility to choose the benefits, retirement programs and business resources that best fit your agency’s goals. The Big “I” can help.

Technology Resources

With independence you get to build the tech stack that works for your agency. Understand what to consider in an AMS, cybersecurity considerations, and when to leverage AI to better service your clients.

Education & Insurance Expertise

To provide your customers with the right information, your team needs a deep understanding of various policies, forms and coverages. Ongoing learning and training are essential, and the Big “I” provides analysis, research, trends and training.

61.5%

P&C insurance written premium is placed in the independent agency channel.

87.2%

Commercial lines written premium is placed in the independent agency channel.

$1.05 trillion

Direct written premiums reached.

According to the 2025 Market Share Report.

We’re more than a Website, We are in Every State.

Find Your State Association

Comparing Captives to Independent Agencies.

Area	Captive	Independent
Book ownership	Company	You
Carrier access	One	Multiple
Income control	Company-driven	Market and motivation-driven
Exit value	Limited / structured	Sellable asset
Flexibility	Low	High

7 Steps to Build an Independent Insurance Agency

4 Ways to Embrace an Entrepreneurial Mindset

Captaining an Independent Agency in Alaska With Susan Erickson

We’re here to help independent agencies

Unlock Your Potential.

At the Independent Insurance Agents & Brokers of America (the Big “I”), we exist for one reason: to help independent agents thrive.

With a network of nearly 25,000 agency locations nationwide, the Big “I” equips agencies with the resources needed to start, grow and strengthen their businesses. From market access and education to employee benefits, E&O coverage and advocacy, members gain access to practical tools and expert guidance at every stage of their journey. Whether you’re exploring independence or leading an established agency, the Big “I” is committed to helping you build a stronger future– it’s been our mission for over 125 years.

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