re: Do sales producers at independent insurance agencies typically earn residuals of some type

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Captive is probably your best bet if this is true. Money is made on the commercial side for independents

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Agreed.

I noticed my question never got answered. Why would you want to move from a captive to a retail agency... especially, if the agency focuses on commercial?

Also, what kind of agency fee could you possibly charge in personal lines?

I've come across some collegues charging upwards of $80k in risk management fees.

The revenue stream is most definitely on the commercial side. Perhaps there is money to be made on personal, but it's nowhere in the ballpark of commercial.

You just can't make that much based on rates for a personal auto and home. Your best client would be a home, boat, auto, and a jewelry floater for ole Gertrude's pearls.

A medium-sized ready-mix concrete operation would generate four times that personal lines commission in just one term for their program (property, equipment, gen. Liability, work comp, business auto, umbrella).