Build your agency independently.

Grow it with the right support behind you.

Pacific Crest Services helps experienced P&C agents build and grow independent agencies through direct carrier appointments, agency technology, operational support and real people behind them.

If you’re a captive agent feeling limited by a single carrier, restricted products or capped earning potential, independence can create more control over what you sell, what you build and where your agency goes next.

If you’re already independent but looking for stronger carrier access, better infrastructure or more support, PCS gives you the foundation to keep growing without carrying every part of the business alone.

Take the first step toward independence

We provide licensed P&C agents in Arizona, Colorado, Kansas, Utah, Illinois, and New Mexico with the tools, support, and carrier access needed to thrive independently.

If you’re a captive agent feeling limited by a single carrier, restricted products, or capped earning potential, you’re not alone. Agents across Arizona, Colorado, Kansas, Utah, Illinois, and New Mexico are making the move to independence—and discovering what true business ownership looks like. Whether you’re ready to break free from captive restrictions or you’re an independent agent looking for better support and carrier access, Pacific Crest Services gives you the foundation to build something that’s truly yours. Join thousands of agents who took the leap and never looked back.

What you gain with PCS

Book Ownership
Industry Leading Commissions
Enhanced Compensation Plans Available
Captive Agent Transition Plans Available
Profit Sharing
Direct Carrier Appointments
Life Insurance Products
Book Financing
Client Management Software
Comparative Rating Software
Business Analytics Software
Accounting Support
Data & Analytics
Training & Development

Start the conversation

Tell us a little about where you are today and what you’re looking to build. We’ll help you understand what independence with PCS could look like for your agency.

Who Pacific Crest Services is built for

For experienced agents ready for more ownership, more flexibility and stronger support behind the business they’re building.

If you are a Property and Casualty insurance professional with at least 2 years of practical writing experience and you’re looking to start your own independent insurance agency, we want to talk to you.

Pacific Crest Services can help experienced agents build the thriving insurance agency they deserve.

More earning potential as your agency grows

Independence gives agents greater control over the business they build and the value they create. PCS supports that growth through competitive commission structures, profit-sharing opportunities and compensation that can increase as production grows.

– Profit Sharing – Competitive Commission Splits – Enhanced Compensation – Carrier Bonuses –

Schedule a call to learn more

Direct appointments that strengthen independence

We partner with the top insurance companies

One of the biggest advantages of independence is having more options for your clients. PCS helps agents pursue direct carrier appointments across personal, commercial, life and specialty markets, creating broader placement flexibility and stronger carrier relationships.

Preferred Carriers Ready to Appoint:

These are just some of the carriers actively writing in your state and ready to appoint new Pacific Crest agents—so you can start quoting and binding business right away.

Arizona: Progressive, Travelers, Safeco, GEICO, Chubb, Nationwide, Mercury, and more
Colorado: Progressive, GEICO, Bristol West, Safeco, National General, and more
Illinois: Progressive, Safeco, Travelers, Branch, GEICO, National General, Foremost Signature, Chubb, and more
Kansas: Foremost, Progressive, Steadily, National General, Chubb, Next, and more
New Mexico: Progressive, Safeco, National General, Foremost, Chubb, Travelers, Liberty Mutual, and more
Utah: Progressive, Safeco, Travelers, GEICO, Next, Hartford, National General, Nationwide, and more

This is just a snapshot—Pacific Crest agents have access to 300+ carriers nationwide, including national brands and regional specialists. We’ll help you find the right carrier mix for your market and your clients.

No more being locked into a single carrier. No more turning away business because you don’t have the right product. With Pacific Crest, you bring the options your clients are looking for—whether they’re down the street or across state lines.

Home Insurance

Offer competitive home insurance options through direct carrier appointments.

Auto Insurance

Offer clients more flexibility and competitive pricing options across multiple appointed carriers.

Life Insurance

Expand your agency with life insurance and long-term planning solutions through broader appointment opportunities.

Boat, RV, & Toy Insurance

Serve recreational and specialty coverage needs through broader carrier options.

Commercial Business Insurance

Support business clients through commercial and specialty carrier appointments.

Learn more

Pacific Crest Services service footprint across 41 states.

States we operate in

Whether you’re a captive or independent agent, or looking to get insurance for your home, auto or business we can get you covered in 41 states across the U.S.A.

Current footprint includes Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Washington DC, West Virginia, Wisconsin and Wyoming.

What changes when independence has support

Going independent is about more than commission percentage. It means gaining ownership, broader market access and greater control over the long-term value of your agency.

Pacific Crest Services agents typically earn significantly more than captive agents—and the numbers speak for themselves. With industry-leading commission rates on both new business (12.5% personal / 15% commercial vs. 10% captive) and renewals (11% vs. 7% captive), plus access to Enhanced Compensation plans worth $3,000–$5,000/month, the earnings gap compounds quickly.

But it’s not just about commission rates. There are two key reasons why your growth can outpace that of a captive agency: a higher closing percentage and access to commercial lines. Pacific Crest Services agents close 40%–50% of their leads, significantly higher than the 10%–15% average for captive agents. They also enjoy stronger retention rates compared to captive agencies.

Additionally, our agents are encouraged to write commercial risks, backed by 26 preferred carriers and 275+ standard carriers. Commercial lines offer higher premiums and commissions, which further accelerates your agency’s growth—helping you achieve faster recovery, typically within 17 months.

And unlike captive models, you own your book, qualify for profit sharing more regularly, and face no sales quotas holding you back.

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The support system behind agency growth

Independent agents have a lot to manage. PCS provides operational infrastructure and experienced support so agents can spend more time serving clients, producing business and growing the agency.

Dedicated back-office support

Our dedicated team of support professionals streamlines your insurance operation. We provide a comprehensive suite of services, including policy downloads, commission reconciliation, carrier audits, compliance, analytics, and licensing management. Trust our experts to handle these intricate tasks, allowing you to focus on your core business activities. Our dedicated support team simplifies your insurance journey, delivering unparalleled efficiency in every aspect of your operation. Join us and focus on what truly matters—your clients and growth.

Direct carrier access

Whether you’re a captive agent or already independent, kickstart your own insurance agency’s success with Pacific Crest Services. Connect instantly to 300+ carriers, including premier preferred carriers. Gain quick access to top Insurtech companies for efficient quoting and binding. Streamline operations, spend less time quoting, and focus more on selling with our extensive network at the forefront of the insurance industry’s future. Join us for a leap into the future of insurance.

Accounting built for insurance agencies

We go beyond standard insurance services, offering specialized accounting solutions designed to alleviate the burdens of insurance agents. Our accounting services encompass the meticulous reconciliation of commissions, ensuring accuracy and transparency. We prioritize compliance, guaranteeing that agents operate within regulatory frameworks seamlessly. Moreover, our innovative approach includes aggregating commissions for agents, streamlining financial processes and saving valuable hours. Our comprehensive accounting services empower insurance agents to focus on their core responsibilities.

Turn-key agency technology

PCS members gain access to exclusive tools and resources designed to help agents find the right markets and grow more efficiently.

Agency management systems
Comparative rating tools
Reporting dashboards
Business communication tools

The technology behind agency growth

PCS members gain access to agency management systems, comparative raters, analytics tools and business resources designed to make agency operations more efficient.

Agency management made simpler

HawkSoft helps agents organize policy workflows, client communication, reporting and agency operations in one centralized platform.

Policy management
Workflow organization
Client communication tracking
Reporting support

Faster comparative quoting

EZLynx comparative rating tools help agents quote faster, compare carrier options more efficiently and improve the client experience.

Comparative rating
Multi-carrier quoting
Faster workflows
Improved quoting accuracy

Smarter agency insights

Power BI gives agents visibility into production, trends, agency performance and operational reporting to support stronger business decisions.

Production reporting
Agency performance insights
Operational analytics
Business intelligence dashboards

Business tools that keep agencies connected

Zoho provides secure communication, collaboration and operational tools that help agencies stay organized and run more professionally.

Secure business email
Team collaboration
Content management
Operational organization

Exclusive tools for PCS agents

Carrier Niche Finder

Search by carrier or class to identify coverage strengths and carrier tipsheets.

Commercial Carrier Appetite Guide

Find commercial carriers by appetite and coverage across states and counties.

Independence is powerful. Support makes it sustainable.

570+

Active members

350+

Active agencies

41

States we serve

"I joined PCS over 13 years ago as a scratch agent with a vision to grow a large agency. After scaling the agency to over $9M, I've come to realize that it will take a partnership with PCS to get to the next level of $20-$25M within the next 5-6 years. The infusion of capital they provided me at a more than fair evaluation of my business will be used to acquire more premium and talent to grow."

Mark Bigham • Dallas Texas

"As a new agent in the independent space, PCS provided the carrier access, training, and support to position my agency for success. The PCS team is authentic and cares about the success of the agencies. The direct carrier access has given our agency immediate competitive markets to succeed and expand our opportunities. PCS has made an immense impact on our agency, we would not be in the position we are today without their support."

Jared Robinson • Optimum Insurance

"PCS has been a fantastic partner for the agency from day one. Their assistance with carrier appointments, commission reconciliation, technology, and analytics has been a critical part of our success. Having their experienced team of insurance professionals working tirelessly in the background allows us to concentrate on what we do best - growing the agency. Coming from a captive environment, PCS guidance was instrumental in putting the tools necessary to succeed in our hands from the beginning."

Matt Bordelon • Managing Partner • Belus Group

One of the biggest advantages of working with Pacific Crest is the strength of our carrier access. Having relationships with quality carriers and access to a broad range of products allows us to provide competitive solutions for our clients while giving agents the ability to grow their books of business."

Michael Clark • Michael Clark Insurance Solutions • Frankfort, IL

"Pacific Crest has created an environment where growth is encouraged rather than limited. The company's focus on expanding opportunities, strengthening carrier relationships, allows producers to continue building their business. As someone who is focused on production and long-term growth, that is essential."

Michael Clark • Michael Clark Insurance Solutions • Frankfort, IL

"Strong back-office support allows me to spend more time doing what I do best: selling, developing relationships and taking care of clients. PCS provides the operational support and technology needed to make business more efficient. Having the right systems and people behind you means I can focus my time and energy on revenue-producing activities.

Michael Clark • Michael Clark Insurance Solutions• Frankfort, IL

"I can confidently say that Pacific Crest Services provides the resources, support, and environment needed to succeed at a high level.

The value of Pacific Crest goes far beyond compensation. It's the combination of carrier access, reliable accounting, a strong team, opportunities for agency growth and dependable support. These resources have allowed me to grow my book quickly."

Michael Clark • Michael Clark Insurance Solutions • Frankfort, IL

A structured path into independence

Our onboarding process is designed to help agents transition into independence with structure, support and confidence from day one.

Agency discovery and planning

We review your production history, agency goals, market strategy and operational needs to help create a customized onboarding plan.

Technology and systems setup

PCS helps configure agency management systems, comparative raters, reporting tools and workflows to help your agency run efficiently.

Appointment preparation and support

We help prepare carrier applications, organize documentation and align market access with your business goals and priority target mix.

Systems training

Receive hands-on training for the platforms and operational tools used to support quoting, reporting, workflows and client management.

Compliance and agency standards

PCS helps guide agencies through licensing coordination, compliance expectations, carrier requirements and operational best practices.

Commissions and accounting support

Learn how commissions, reconciliation, reporting and financial workflows are managed so your agency operates efficiently.

Build what’s yours. With the right people behind you.

Whether you’re moving from a captive model or looking for a stronger home for your independent agency, PCS provides the carrier relationships, infrastructure, technology and support to help you build for the long term.

Get started today

Schedule a call