I am not counting on any contigency commissions/profit sharing when working on my business plan, I was just curious on how it worked. I am going into it thinking, if it does happen, great, a nice bonus for my employees, if not, I'll survive just fine. I spent most of the past weekend reading through...

I am considering starting an independent agency (am now a captive agent), and wondering how the contingencies work. Are they based on premium written, loss ratio, etc? What kind of money are we talking about on a yearly basis. (I know it depends on the size of your book, etc), but just some thoughts...