BENEFITS

Growth Potential

BREAKING FREE? BRANCHING OUT? TIRED OF THE MESS? LET’S GO.
Most models limit how far you can go. We built Darkhorse to change that. Independent agents get the tools, support, and carrier access to go after stronger deals and write more premiums without getting held back.

Crushing It in Personal Lines. Dominating in Commercial.

Ready to move past small-ticket policies and start landing commercial deals that make a real impact? Commercial lines are your shot to level up, and we’ll help you get there without the guesswork.

According to recent data from the Independent Insurance Agents & Brokers of America (Big “I”), independent agencies write around 87% of all commercial premiums. At Darkhorse, we give you a path into that arena with the tools, guidance, and carrier access to help you go after bigger wins. From targeting the right commercial insurance lead to closing the deal, we show you how to move with confidence and get real traction.

You bring the hustle. We’ll help map the strategy, build the skills, and keep the lead flow moving.

01
Strategy built around your goals, not generic templates
02
Real support that gets in the trenches with you
03
Grow your commercial book beyond personal lines

COMMERCIAL LINES BY THE NUMBERS

AVERAGE REVENUES FOR INDEPENDENT
AGENCIES WITH COMMERCIAL:
$906,261
% OF THAT REVENUE THAT IS COMMERCIAL BUSINESS VS PERSONAL
40.9%
AVERAGE REVENUE OF PERSONAL LINES ONLY SHOP
$535,500
Main Street
Small Commercial
Middle Market
National
Specialty Program Business

5-year commercial opportunity

Average Premium: $15000

Monthly Quotes: 5

Close Ratio: 10%

Retention Rate: 85%

New Business Commission Rate: 15%

Year New Business Revenue Renewal Revenue Total Revenue
Year 1 $
$
Year 2 $ $ $
Year 3 $ $ $
Year 4 $ $ $
Year 5 $ $ $
Total 5 Year Revenues $ $ $

Carrier Appointments That Open Doors

We don’t just toss you a list and call it a day. You’ll get direct access to respected commercial carriers offering Business Owners Policy, Commercial Property, Auto, Cyber, General Liability, Professional Liability, Workers Comp, and more. These are serious lines built for agents ready to level up. The right carrier mix helps drive better retention and stronger close rates because, in this business, access is everything, but alignment is what moves the needle.

From Zero to $40M. The System That Fueled the Climb.

Dan Garzella didn’t inherit momentum. He walked away from a decade at Farmers, started from zero, and built something that moved fast and hit hard. The result? A $40M+ agency in just seven years. Dan quickly realized he could help other driven agents do the same.

That same system powers Darkhorse today. Real playbook. Real lessons. Built for agents who are ready to move.

How Darkhorse Insurance Brokers Stacks Up

When compared to data from the Independent Insurance Agents and Brokers of America, the Darkhorse model sees significantly higher growth in net commissions year over year.

Sales velocity? Faster than industry leaders.
Revenue growth? Consistently ahead of the curve.
Performance benchmarks? We don’t follow them - we set them.

This is what happens when you back bold agents with a platform built to outperform, powered by top-tier carriers, smart systems, and a steady stream of commercial insurance leads.

Independent Insurance Agents & Brokers of America

Big I Annual Best Practices Study Metrics
Organic Growth in Net Commissions YoY Avg. (2019-2021)
How does the Dark Horse Model* compare to other, similarly sized (S25M+) independent agencies using key metrics from Big I?
Garzella Group data from 2014-2021
Independent Insurance Agents and Brokers of America
THE DARK HORSE INSTRUCTION MANUAL HAS BEEN PROVEN AGAIN & AGAIN
Sales Velocity
Sales velocity is a critical metric in determining organic growth. It is defined as this year's new business divided by last year's commission and fees.

Curious What It Takes to Be a Darkhorse?

We don’t hand this playbook to just anyone.
Darkhorse is a high-performance platform built for agents who are ready to grow fast, think bigger, and lead their own charge. We’re selective, not because we want to gatekeep, but because we invest real resources, mentorship, and strategy into every independent agent we support.

If you’re serious about scaling and hungry for more, we’ll show you exactly how the model works and what it takes to make it yours.
CARRIERS

Insurance Carriers in
ARIZONA

Darkhorse Insurance Brokers gives independent agents in Arizona serious leverage with trusted insurance carrier partnerships across personal, commercial, and specialty lines. Ready to unlock real opportunities in your market?