Answer:
An independent Insurance Agent can negotiate with an insurer for his or her commission rate. Most independent agents represent many insurers with various commission and premium rates in order to offer a wider range of policies and companies than a captured agent would to the insured.
That's just part of being an Independent insurance Agent. You have more than one company to offer.
Most companies that an Independent Agent places coverage with will initially offer a set commission rate. If the agent performs well they can then renegotiate