From the Darkhorse's Mouth
From the Darkhorse's Mouth
Podcast Description
From the Darkhorse's Mouth" shares the inspiring journey of Dan Garzella, founder of Darkhorse Insurance Services. Starting as a Farmers Insurance agent at 23, Dan rose to the top 0.5% of agents before launching Darkhorse to empower others to build independent brokerages. This podcast explores overcoming industry challenges, fostering strategic carrier relationships, and leveraging expert mentorship. Tune in for insights on breaking traditional models and creating a legacy on your own terms.
Podcast Insights
Content Themes
The podcast focuses on building independent brokerages, overcoming industry challenges, and strategic carrier relationships, with episodes such as 'Flight Risk' discussing the transition from captive to independent insurance and 'Origin Story' detailing Dan's journey from a novice agent to founder of Darkhorse Insurance Services.

From the Darkhorse’s Mouth” shares the inspiring journey of Dan Garzella, founder of Darkhorse Insurance Services. Starting as a Farmers Insurance agent at 23, Dan rose to the top 0.5% of agents before launching Darkhorse to empower others to build independent brokerages. This podcast explores overcoming industry challenges, fostering strategic carrier relationships, and leveraging expert mentorship. Tune in for insights on breaking traditional models and creating a legacy on your own terms.
In Episode 13 of From The Darkhorse’s Mouth, titled “Herding Humans,” Dan and Carly Garzella are joined by Alyson Hutchins, Business Development Manager at BBSI.
If you’re running a small agency and feeling stretched thin, this episode breaks down how a PEO partnership can take HR, payroll, benefits, and workers’ comp off your plate, so you can get back to growing the business. The conversation starts with the startup stage: the first signs you need help with HR or payroll, the most common operational pain points for teams of around five people, and how BBSI’s model balances affordability with real, tangible value.
We then dive into the growth curve: what happens as your agency starts to scale, how BBSI’s support evolves, and when it makes sense to start thinking about internal HR. The discussion also unpacks BBSI’s workers’ comp differentiator: why their approach to safety, predictability, and cost management stands out, and how stronger HR systems, culture, and people metrics become a strategic advantage instead of just a compliance checkbox.
Finally, we tackle the long view and the most common mistakes small agencies make as they grow their teams, including waiting too long to think strategically about people and process. You’ll hear guidance on when and how to transition pieces of HR in-house, what future-proofing your operations really looks like, and how to build a path from five employees to fifty without burning out.
Whether you’re just getting started or already feeling the strain of growth, this episode offers a practical roadmap for using a PEO model to scale smarter, protect your people, and set your agency up for long-term success.
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