- Enroll in courses or insurance business at a university or community college. Take classes on insurance business; obtaining a diploma or a degree demonstrates your interest in the field of insurance agencies, which prefer to agents with academic training.
- Complete your state requirements to become an insurance agent. Get the appropriate license for the type of insurance you want to sell. All states regulate insurance agents, usually through an insurance department, which often requires you to pass a course for the license and a state exam. Most states also apply for licenses for each type of insurance, as the two licenses needed to sell life and health insurance or property insurance and accident insurance.
- Establishes the legal framework for your business. Records the name of your business and its structure (egg sole proprietorship, Limited Liability Company, etc.) with status, and pay the corresponding registration fees.
- Acquires errors and omissions insurance. This insurance coverage protects professional liability insurance agents in case of dispute. The insurance policy errors and omissions covers such things as defense costs and damages.
- Choose an insurance company you want to work with. Some insurance companies that train and work with independent agents are Farmers Insurance, Progressive & State Farm. Complete all the preliminaries, such as pay a criminal background check, complete a formal application and meet for an interview with an insurance manager requirements. Most insurance companies also require independent agents attend formal training to familiarize them with the specific products they offer.
- Establishes a home office. Arrange a quiet space in your home, ideally a separate and equipped with office furniture such as a desk room. Place a computer, telephone and organizers to archive documents from your customers.
- Advertising your independent insurance business begins. Prepares advertising materials such as pamphlets, brochures and business cards. Set a budget for advertising on television, radio and newspaper.