What does an insurance producer do?
An insurance producer (agent) sells policies and builds a book of business — prospecting, quoting, closing, and retaining clients across personal or commercial lines. Producers are typically paid a base salary plus commission, so earning potential scales with the book you build. It's the entrepreneurial track inside an agency.
What license do you need?
Producers generally need a Florida 2-20 General Lines Agent license (property & casualty). Some start on a 4-40 and convert. If you're licensed and hungry to sell, agencies will compete for you.
How producer pay works
Most producer roles pay a modest base plus new-business and renewal commission. Early on the base carries you; as your book grows, commission becomes the bigger share. Strong producers are among the highest earners in any agency.
Where these roles are hiring
We place producers across Florida, including remote and hybrid commercial and personal lines roles. See openings in Tampa, Fort Myers, and Port St. Lucie.
Typical pay in Florida
| Level | Typical range (Florida) |
|---|---|
| New producer (base + commission) | $45,000 - $60,000 base |
| Established producer | $60,000 - $90,000 base + commission |
| Top producer (book-driven) | $100,000+ total comp |
Ranges are general market estimates and vary by agency, location, license, and book of business.
Frequently asked questions
Do insurance producers get a base salary?
Most Florida producer roles pay a base salary plus commission, so you're not purely commission-only while you build your book.
What license does an insurance producer need in Florida?
A 2-20 General Lines Agent license is standard for property and casualty producers; some start on a 4-40 and convert.
Can producers work remotely?
Yes — many Florida agencies offer remote and hybrid producer roles, especially for candidates who can self-source business.
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