Build a Commercial Book You Actually Own.
If you're an experienced commercial producer tired of building someone else's book, IPA gives you the carrier access, operational support, and independence to build your own agency — your way.
Direct Carrier Access
Get access to top commercial carriers — The Hartford, Liberty Mutual, Employers, Nationwide, Progressive, Travelers, and more. Most agents start under our master code to ensure carrier alignment, then we work together to secure your direct agency code appointment.
Own Your Book — 100%
Every policy you write is yours. Sell it or keep collecting renewals — no buyout clauses, no restrictions on your growth.
Operational Support
Focus on selling. We support carrier communications and day-to-day operational needs so you can spend your time building relationships and writing business.
Profit Sharing
When you build a profitable, disciplined commercial book, carriers reward you with profit-sharing bonuses — real checks, on top of your monthly commissions.
The Launching Pad
Start at 80/20. As your book grows to ~$1.3M in written premium, cap IPA's share and unlock non-exclusive status. From that point, your effective rate only improves — and you're free to seek outside appointments.
Write Where You're Licensed
Build your commercial book across your licensed states. Some carriers require resident state appointments — we'll cover your specific situation on the discovery call.
✓ This is for you if:
- ✓You're an experienced commercial producer (3+ years)
- ✓You write standard commercial lines (BOP, GL, WC, commercial auto, property)
- ✓You're leaving a captive carrier or agency and want to keep your clients
- ✓You want to build your own commercial agency from scratch
- ✓You're focused on growing a profitable, long-term commercial book
- ✓You want direct carrier access without the overhead of starting from zero
✗ This is NOT for you if:
- ✗You primarily write trucking, roofing, or heavy construction
- ✗Your book is mostly hard-to-place or specialty/surplus lines
- ✗You're looking for an E&S market or excess lines broker
- ✗You're a personal lines agent looking to "dabble" in commercial
- ✗You want someone else to manage the agency for you
Your Market Access
IPA gives you access to far more than just our core carriers. Between direct appointments, brokerage partnerships, and specialty markets — you'll have the tools to write virtually any standard commercial risk.
Core Direct Carriers
Plus access to specialty and wholesale markets. Over 100 carriers available.
Carrier availability varies by state. Full carrier-by-state list will be shared after your discovery call.
Technology & Tools
Commercial agents use EZLynx as their AMS — cloud-based, scalable, eSignature-ready. Everything you need to manage clients, submissions, and renewals.
Plus a free small commercial rating tool to help you quote quickly and accurately.
Brokerage & Specialty
We partner with a brokerage that provides access to additional commercial and personal lines markets beyond our core carriers. Need to place something outside standard appetite? We have options.
Your Path With IPA
From first conversation to full independence — here's how it works.
Discovery Call
10-minute private phone call. We learn about your book, your goals, and confirm mutual fit. 100% confidential.
Get Access
Most agents start under our master code to begin writing quickly. We then work with you to secure direct agency code appointments based on your goals.
Start Writing
You're live — quoting, binding, and writing commercial business through IPA's carrier network.
Build & Earn
Grow your book at 80/20. Earn profit sharing and contingency bonuses based on your performance.
Reach Your Cap
As your book grows to ~$1.3M in premium, cap IPA's share and unlock non-exclusive status — your effective rate only improves from here.
Some carriers require resident state appointments. We'll cover your specific situation on the discovery call.
Ready to build a commercial book you actually own?
10-minute phone call. We'll discuss your book, your goals, and whether IPA is the right fit.
🔒 All discovery calls are private and confidential.