Build a Personal Lines Agency You Actually Own.
If you're an experienced P&C agent ready to go independent, IPA gives you direct carrier appointments, proven training, and a structured path from day one to full ownership.
Currently Available In:
Arizona · Illinois · Indiana · Iowa · Missouri · Pennsylvania
Additional states coming soon.
Direct Carrier Appointments
Get appointed with top personal lines carriers — AAA, Progressive, Safeco, Nationwide, and more. Full logins, full binding authority, your own sub-codes.
Own Your Book — 100%
Every policy you write is yours. Sell it or keep collecting renewals — no buyout clauses, no restrictions.
Pre-Launch Masterclass
16 modules covering carrier expectations, profitability metrics, compliance, and building a business plan before you write your first policy.
Structured Independence Path
Launch → Stabilize → Scale → Cap → Go Non-Exclusive. A clear roadmap to owning 100% of your commissions as your agency grows.
Technology & Tools
EZLynx AMS + rater at special IPA pricing. Cloud-based, scalable, eSignature-ready. Everything you need to run a modern independent agency.
Guidance & Support
Training on writing profitable business, help with carrier navigation and submissions, and access to real people — not a corporate ticket system.
✓ This is for you if:
- ✓You're a captive agent ready to launch your own independent agency
- ✓You're an independent producer seeking greater control and opportunity
- ✓You have $1,000,000+ in written P&C premium
- ✓You have 3+ years of active P&C experience
- ✓You're ready to write new business immediately
- ✓You want direct appointments with binding authority
- ✓You're motivated to grow your own brand and own your book
✗ This is NOT for you if:
- ✗You have less than 2 years of P&C experience
- ✗You're not ready to start writing new business now
- ✗You expect IPA to manage or run the agency for you
- ✗You're seeking a captive or franchise model
- ✗You're a Life & Health agency trying to add P&C on the side
- ✗You're an established independent agency just looking for more markets
- ✗You're a captive agent trying to open under a spouse or friend's license
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 risk.
Core Direct Carriers
Full logins, full binding authority, your own sub-codes.
Carrier availability varies by state. Full carrier-by-state list will be shared after your discovery call.
Brokerage Partnership
We partner with a brokerage that provides access to many additional personal and commercial markets beyond our core carriers. More options for your clients, more revenue for you.
Includes a free small commercial rating tool so you can start quoting commercial business right away — no extra cost.
Non-Standard & Specialty
Need to place non-standard auto, high-risk property, or specialty risks? We have access to non-standard and specialty markets to help you serve clients that don't fit standard underwriting.
More markets = more policies written = faster growth.
Growing Into Commercial?
If you develop enough commercial business, IPA can help you access top direct commercial carriers — The Hartford, Liberty Mutual, Travelers, and more. We'll talk about the best path for your goals on the discovery call.
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.
Pre-Launch Masterclass
16 modules to prepare you — carrier expectations, profitability, compliance, and business planning.
Get Appointed
We secure your direct carrier appointments. Typically 3-6 carriers based on your book and experience.
Start Writing
You're live — quoting, binding, and writing personal lines business with full binding authority.
Reach Your Cap
As your book grows, cap IPA's share and unlock non-exclusive status — your effective rate only improves from here.
Ready to build a personal lines agency 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.