I would not start an Independent Insurance Agency unless you had some kind of experience, there is too much as risk and too much to know before you invest your money in what some may think is a simple business to start. Without product knowledge, you risk facing legal action because of mistakes you may make, also yes there is E&O Insurance to protect you, but most carriers that write this will decline writing this coverage for those without experience. The ones that will probably have a high premium and not be able to offer you the best terms, this means you may make an error that won't be covered by such policy.
Having said that, there are a ton of opportunities to gain experience. Examples of this is to become a product for an Insurance Agency, another example would be to start an agency with a direct writer such as Farmers, State Farm or Allstate. While they do take those who don't have experience, they will train and mentor you.
One last food for thought on this, starting an independent agency is not being an employee and collecting commissions if not a paycheck, it's running a business. That means some serious expenses as well as having reserves for at least 3 years until you build you agency. You must invest to grow and while the expenses may not be as significant as other businesses, there will be money you will need to spend in order to start doing business.
To help you better understand what is involved in starting an agency, I wrote a guide to starting an insurance agency, you can find this guide at:
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