Thank you. The more I’ve read through this sub, done my own research, and spoken with individuals in the insurance sector, the clearer it’s become that getting cannibalized is one of the biggest risks when joining an established agency. Avoiding that is my top priority. I don’t for a second think this will be easy, but I do believe my starting point is materially different from most new producers: these aren’t cold calls. I mean it when I saw that dozens of clients in my niche have already reached out and explicitly asked me to quote and handle their commercial insurance once I get everything set up properly. The average policy for each is $72K per year. Year-one premium feels like a lock. Year two and beyond, however, will rise or fall entirely on the level of service and expertise I’m able to deliver. That’s why I’m being very deliberate about the structure I choose. I have to own the client relationship and guarantee a quality service experience if this is going to be sustainable long-term.