Founder of Iron Point Insurance Services and Iron Point Agent Programs, Scott Boren walks us through his journey from claims to product leadership at eSurance and GEICO, and why California’s Prop 103 still shapes pricing and availability today. We dig into wildfire risk, the FAIR Plan, and why some carriers paused new business. Scott then unpacks how Iron Point helps independents unlock top-rated markets without direct appointments, plus the shift from personal to commercial with their quoting platform, Compare Quote HQ (built with API rails through CoverForce). He also shares hard-won lessons on starting vs. buying an agency, building recurring revenue, and testing new niches like MexicoCovered.com.
Why California’s regulatory model affects pricing, availability, and carrier strategies
How independents can access premium carriers without hitting solo production hurdles
The difference between marketing-led growth and real sales execution inside an agency
Why commercial lines + API-powered quoting is a big opportunity for agents today
Practical advice on buying an agency vs. starting from scratch (cash flow matters!)
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