Build something that’s yours.
Pacific Crest Services helps licensed insurance agents transition toward independence with the support, infrastructure, direct carrier appointments and operational guidance needed to grow confidently.
Best fit for licensed P&C agents with 2+ years of practical writing experience.
You’re probably feeling some of this already.
More agents are reevaluating what stability, ownership, and long-term growth actually look like.
For many, the challenge is not capability.
It’s feeling constrained by changing compensation structures, limited flexibility, lack of ownership, and uncertainty around the future.
PCS exists to help agents explore a different path forward — one built around ownership, support, and long-term growth.
What PCS helps agents build
Ownership
Own your book, build equity and create a business that belongs to you.
Direct carrier appointments
Build your agency through direct carrier appointments across personal, commercial, life and specialty lines—creating stronger carrier relationships, greater placement flexibility and more opportunities to serve clients well.
Support
Get onboarding, technology, systems training, operational guidance and accounting support.
Growth
Build long-term upside through commissions, renewals, profit sharing and enhanced compensation opportunities.
Direct appointments with 300+ carrier relationships.
Direct carrier appointments aren’t just about expanding your options. They create direct relationships, preserve ownership and help agents build stronger independent agencies.
PCS has spent more than a decade building relationships with many of the industry’s most respected carriers. Through PCS, independent agents can pursue direct appointments that support binding authority, strengthen carrier relationships and reinforce true agency ownership.
Whether you’re serving home, auto, commercial, life, flood, RV or specialty clients, direct appointments provide the flexibility to place business where it fits best while preserving the independence you’ve worked hard to build.
See what independent growth could look like.
Use the calculator below to explore how ownership, commission structure, retention, and long-term growth potential can impact your future earnings over time.
This isn’t just about production. It’s about building long-term enterprise value.
What happens after the first conversation?
Transitioning to independence is a significant decision. After your first conversation, PCS guides you through a clear path from fit and strategy to carrier appointments, systems, training and launch support.
You’ll know what comes next, who is helping and how each step supports your long-term growth.
01
Agency discovery and strategy
We talk through your goals, current book, market opportunity and timing so your next step is grounded in your agency, not a generic model.
02
Technology and resource training
We introduce the tools, systems and resources that help you run your agency confidently from day one.
03
Carrier setup and training
We help identify carrier fit, prepare appointment materials and connect you with markets that support your growth plan.
04
Systems installation and training
We help set up the core platforms and workflows your team needs to operate smoothly.
05
Agency standards training
We walk through PCS guidelines, client file standards and service expectations so your agency is set up the right way.
06
Commissions and accounting training
We help you understand payroll, commission reconciliation and financial documentation so your numbers stay clear.
Additional resources
Beyond captive
A practical guide for agents exploring independence, ownership, and long-term growth.
First 90 days
A closer look at onboarding, training, appointments, and what agents can expect during transition.
Transition FAQ
Answers to common questions around onboarding, compensation, appointments, ownership, and growth.
Agency growth articles
Explore articles focused on ownership, growth strategy, market access, commercial opportunities, and long-term agency development.
A real conversation with someone who understands the decision.
Meet Adam “Smig” Smiglewski: From Captive to Independent — Now Helping You Do the Same
Adam has spent 33 years in the insurance industry — 12 as a captive agent, 8 as an independent. Pacific Crest Services’ core values aligned perfectly with his own, making the move on board a no-brainer.
Now serving as an Alliance Development Executive at PCS, Adam brings deep expertise in strategic partnerships and business growth to help agents navigate their own path forward. As a former Farmers Insurance agent who built and later transitioned his own agency to independence, he’s been through the exact move many captive agents are considering — and he’s here to help you make it too.
Adam “Smig” Smiglewski
Alliance Development Executive
Helping agents go independent across: Alabama, Georgia, Indiana, Kentucky, Louisiana, Ohio, Pennsylvania and Tennessee
The first conversation is an opportunity to explore what independence could actually look like for you, your clients, and your long-term goals.