Build Your Agency. Own Everything.
IPA helps experienced P&C agents build independent agencies with direct carrier access, proven training, and a clear path to full ownership. Personal lines and commercial.
Built by agents, for agents. Since 2006.
Two Programs, One Mission
Whether you write commercial or personal lines — IPA gives you the carrier access, training, and support to build an agency you own.
Commercial Lines
For experienced commercial producers who want to own their book, access top carriers, and build their own agency. BOP, commercial auto, workers' comp, GL, commercial property, and more.
- ✓Direct carrier access
- ✓80/20 split → builds to 100%
- ✓Own your book — 100%
- ✓Profit sharing & contingency bonuses
- ✓Operational support
Personal Lines
For experienced P&C agents who want to own their book, access top personal lines carriers, and build a profitable independent agency with a structured path to full ownership.
- ✓Direct carrier appointments with binding authority
- ✓Pre-Launch Masterclass (16 modules)
- ✓Structured path: Launch → Cap → Non-Exclusive
- ✓Available in AZ, IL, IN, IA, MO, PA
- ✓Profit sharing & agency cap
From Our Director of Operations
Hear From Dave — Why IPA Is Different
Dave O'Reilly breaks down what makes IPA different — and how we help you build a profitable, independent agency you truly own.
The Problem
You Built the Book. But Do You Really Own It?
Whether you're a commercial producer at a captive carrier or an experienced agent at someone else's agency — the story is usually the same.
No Path Forward
Most programs have no structured path to grow beyond them. You stay at the same split, same terms, year after year — or start over from scratch.
Shrinking Commissions
Compensation plans change every year. Your production goes up, but your take-home doesn't. The math stops working.
No Direct Appointments
Direct carrier appointments require volume most individual producers can't hit alone. So you write through someone else — and they keep the upside.
No Profit Sharing
Carrier bonuses and profit-sharing go to whoever holds the master contract. You do the work. Someone else cashes the check.
The Money
Start at 80/20. Build to 100%.
You start with an 80/20 commission split. You keep 80% of every commission dollar.
As your book grows profitably, you participate in profit sharing and contingency bonuses — real money, not promises.
When your book reaches approximately $1.3 million in written premium, you can elect to cap IPA's share. From that point forward, your commission rate only goes up as your book grows.
No hidden fees. No surprise deductions. No vague 'commission splits with carriers.'
Your Agency Size
$10M
in written premium
You Earn 100% On
$8.7M
of premium above the cap
IPA Earns On
$1.3M
the initial cap amount only
🚀 The Launching Pad
We look at ourselves as your launching pad. We get you the initial carrier appointments you need to get started. We teach you how to grow a sustainable, profitable book — for both you and the carriers. Once you reach the cap, you've built something powerful: a resume. Real experience reports, real loss ratios, real growth and retention data. That's what carriers actually want to see — and that's when you can go get additional appointments on your own, outside of IPA. Of course, you can always add more carriers through us too.
| What You Get | Typical Aggregator | IPA |
|---|---|---|
| Commission Split | Varies / hidden | 80/20 → builds to 100% |
| Profit Sharing | Maybe | Yes — based on your performance |
| Agency Cap | None | ~$1.3M premium → rate keeps improving |
| Exit Fees | Common | None — your book goes with you |
| Book Ownership | Restricted | 100% yours — sell it or keep collecting renewals |
| Path to Independence | None | Built-in — grow to ~$1.3M premium, unlock non-exclusive status |
Beyond Commissions
The Real Money Is in the Bonus
When you build a profitable, disciplined book — personal or commercial — carriers reward you with profit-sharing bonuses on top of your monthly commissions.
AAA
Randy R.
$48,146
Multi-line book, long-tenured agent
Progressive
Jose S.
$17,186
Consistent home + auto volume
The Hartford
Mendy L.
$13,641
Commercial book, low loss ratio
These are recent profit-sharing checks earned by IPA agents — deposited in addition to monthly commissions. Not projections. Profit-sharing requires writing profitable, disciplined business.
Agent Stories
What Our Agents Say
Anyone who's been a captive agent for more than 10 years knows it's not what it used to be. After watching the industry change and seeing my income dwindle, I finally decided to make the move. The only regret I have about joining Insurance Pro Agencies is that I didn't do it 10 years earlier.
Sabina M.
Evergreen Park, IL
Former American Family Agent
1 of 5
Recognition
Awards & Recognition
Progressive Platinum 25 — #9 Nationally
Top 25 agencies in the nation based on bundled net PIF growth and loss ratio under 65%.
Safeco President's Award
Safeco's highest honor, recognizing top agencies for size, growth, and profitability.
AAA Circle of Excellence — Premier Performer
Recognizes top-tier agencies for exceptional sales performance and service excellence.
Nationwide Champion Award
Recognized as one of the top 340 agencies in the country for total premium and year-over-year growth.
Encompass Rookie of the Year
Recognized as the Top New Agency in the nation.
Our Story
Built by Agents, for Agents
Insurance Pro Agencies was founded by Terry O'Reilly, a top-performing captive agent who grew tired of shrinking commissions, changing compensation plans, and broken promises. He wanted to create something different — a path where agents could own their book, keep their profits, and operate with true independence.
Today, IPA is led by Terry's sons, Dave and Adam O'Reilly, and supported by a growing team with over 60 years of combined experience. Every policy, process, and technology decision at IPA is driven by people who have run agencies themselves.
Adam O'Reilly
Controller
Terry O'Reilly
President & CEO
Dave O'Reilly
Director of Ops
“Write like the market is hard — even when it's soft.”
This is the discipline IPA teaches. It's how our agents keep their appointments, earn their bonuses, and build agencies worth selling.
Frequently Asked Questions
Money & Structure
Getting Started
For program-specific questions, visit our Commercial Lines or Personal Lines pages.
You didn't leave captive to join another cage. Build something you own.
🔒 All discovery calls are private and confidential.