In Episode 138 of the Scratch Agency Podcast, we’re joined by Aaron Farmer, founder of California Flood Insurance and the H2Quoter platform. Aaron walks us through his 25+ year journey from working with captives like Farmers Insurance to building his own flood-focused MGA and tech tools that empower agents nationwide.We cover the evolution from hand-dialing cold leads with a phone book to empowering agents with instant flood quotes from 7+ carriers using a custom-branded link. Aaron gets real about the early grind, staying profitable in tough markets, and how agents today can use embedded tools, automation, and pain-point-based selling to dominate a niche.🔥 Whether you're an agency owner looking to niche down, a producer wanting to scale with smarter systems, or just wondering where flood fits in a modern book — this one’s packed with insight, inspiration, and tactical advice.🕒 Timestamps:00:00 – Introduction03:50 – Breaking into Insurance with No Experience08:32 – From X-Dating to Flood Specialization12:58 – Becoming a Lloyd’s MGA & Going Independent18:13 – Lessons from the Captive Side22:09 – Scaling with H2Quoter & Embedded Tech26:40 – What “Riches in Niches” Really Means31:44 – High-Impact Prospecting Tips for Scratch Agents36:27 – Pain Points, Automation & How to Stand Out41:16 – Hiring, Culture & Long-Term Buy-In47:02 – The #1 Mistake New Agents Make50:43 – Final Thoughts & Aaron’s Offer for Listeners🎯 Special Offer:Mention this podcast to get 25% commission on your first H2Quoter policy → https://H2Quoter.com🤝 Connect with Aaron:LinkedIn | H2Quoter.com📩 Email: farmer@californiafloodinsurance.comJoin our exclusive Telegram community for The Scratch Agency Podcast to connect with like-minded agents: https://t.me/+cISob2kA3pAyMmY5📌 Connect with us on social media: Instagram: https://www.instagram.com/thescratchagencypodcast🎧 Listen now on Spotify: https://open.spotify.com/show/7hutxCZ5NUPqF5hRdC79Hl?si=33a6cfadba084957🔗 For more exclusive content, visit our website: https://scratchagencypodcast.com/Thank you for tuning into The Scratch Agency Podcast. Remember to like, share, and subscribe for more valuable insights. Own your future and keep pushing forward. See you next time!