
Should You Leave Your Captive Insurance Agency? The Real Numbers for P&C Agents in 2026
05/19/2026 · 8 min read
Independent agents now write 61.5% of all P&C premium and top agencies post 10.7% organic growth, while captive agents keep 5 to 10% commission on first-year premium and do not own their book. Here are the real numbers a captive P&C owner needs before making the jump.






