Commercial cover, renewed yearly. Below is what it actually costs, how long before money arrives,
and the part most guides leave out.
Startup capital
€4,000–€25,000
Hours / week
30–55
First income
~20 wks
Net margin
70%
Saturation
low
Realistic ceiling
€0–€9,000+
This ceiling is not a wall
The figure above is what this earns in the shape described — you, running it. Past that it keeps
going, but by hiring people or adding units, not by you working more hours. That is a different
job from the one you would be starting, and worth knowing before you start it.
What nobody usually tells you
Renewal commission is as close to an annuity as small business gets: the same client pays you every year for doing very little. The first three years are almost all outbound selling into a market that already has a broker.
The route, in five steps
Get authorised or join a network before quoting anything
Commercial lines, not personal — comparison sites own personal
Renewal commission is the whole asset: keep every client
Niche into one trade and learn its risks properly
Three years in, renewals cover your costs before you sell anything
What you'll need to buy
These are the categories every insurance brokerage pays for in the first month.
We break down what each one actually costs at this size on the
tools page.
authorisationnetwork or agency agreementsCRMindemnity insurance
Does it hold up for you?
These numbers are the average case. Whether this business clears your target depends on
your capital, your hours and how long you can wait — put them in and see.