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Florida Insurance Agent Commissions: Captive vs. Independent
The biggest difference in agent pay isn’t year one — it’s renewals. Many captive contracts drop renewal commission to a few percent. Independent renewals often stay close to new-business rates, so your book compounds.
- Competitive, transparent commission splits
- Renewal income that builds every year
- Upside from 100+ markets and every P&C line
- Confidential comp conversation — no obligation
Ask About Our Commission Splits
Key facts
Independent P&C agents typically earn about 10–15% commission on new business, with renewals often close to that rate; many captive contracts pay roughly 2–4% on renewals (Agentero). Trustshield Insurance, an independent Florida agency, offers competitive, transparent commission splits plus 100+ markets to grow a renewing book.
- Agency type: Independent property & casualty agency (no life or health)
- Headquarters: Jupiter, Florida — recruiting Florida agents first, open to other states
- Market access: 100+ carriers, wholesalers, MGAs, and PEO partners
- Lines: All personal and commercial P&C lines, including hard-to-place risks
- Compensation: Competitive, transparent commission splits
- Contact: (561) 943-0434 · Apply online
Last updated:
~2–4%
Typical captive renewal rate*
~10–15%
Typical independent commission*
~2×
5-yr commission in our model
$62,280
Median U.S. agent pay (BLS)*
Where the money really is: renewals
Same agent, same production, two pay structures. The gap starts small and gets wide fast.
Run your own numbers
Illustrative only. Uses 10%/3% (captive-style) and 12%/12% (independent-style) commission rates from published industry ranges, before any agency split.
Captive vs. independent pay, side by side
Ranges below come from published industry analysis. Actual carrier commissions vary by line, carrier, and volume.
| Factor | Typical captive agent | Typical independent agent |
|---|---|---|
| New-business commission | ~8–12% | ~10–15% |
| Renewal commission | ~2–4% | Often close to new-business rate |
| Contingent / profit-sharing upside | Limited | ~2–5% possible when loss ratios hold |
| Products you can sell | One carrier's | Many carriers and markets |
| Book value at exit | Often ~1–1.5× commission, if any | Often ~2–3× revenue |
What drives what you take home
Your commission split
The share of agency commission you keep. Trustshield offers competitive, transparent splits — we walk through them in a confidential call.
Retention
Every point of retention compounds. More markets means fewer non-renewals you can't replace — and fewer clients walking.
Account rounding
Writing the home, auto, umbrella, and the business policies multiplies commission per client. Trustshield agents can write every P&C line.
Commission FAQ
How much do independent insurance agents make in Florida?
It depends on book size, lines written, retention, and commission split. For context, the U.S. Bureau of Labor Statistics reports a median of $62,280 for insurance sales agents in 2025; independent agents who build a renewing book can earn well above that over time.
What commission do P&C carriers pay independent agents?
Published industry analysis puts typical independent new-business commission around 10–15%, with renewals often close to the new-business rate, plus possible contingent commission. Rates vary by carrier and line.
Why do captive agents earn less on renewals?
Many captive contracts pay a higher first-year rate and then drop renewal commission to roughly 2–4%, and the carrier typically controls the book.
What commission split does Trustshield offer?
Trustshield offers competitive, transparent splits. Details depend on your experience and book — submit the form and a principal will walk you through them confidentially.
Is the calculator a guarantee of earnings?
No. It is an illustrative model using midpoint industry commission rates, before any agency split. Your results will vary.
Sources: Agentero: Captive vs. Independent Insurance Agent · BLS Occupational Outlook: Insurance Sales Agents. Industry figures are for context only and are not a promise of individual results.
Find out what your book could earn here
Confidential comp conversation with a Trustshield principal. Bring your numbers — we'll bring ours.