If rents fail to pace with the cost of living, your financial independence will be short-lived.Persistent: Your rental income will last a long time, you will not outlive your income.What are the consequences of buying in a city where rental rates do not outpace inflation?

I'm hoping to find an existing independent PM or franchise to acquire in the next 18 months in the Denver area.   

You can learn to do this independently or get a rockstar REALTOR to lead the way.

I'm a partner in an Independent Agency that represents Steadily along with many other companies. 

You can learn to do this independently or get a rockstar REALTOR to lead the way.

Own a few rentals and hoping to be on my way to financial independence soon 

There’s going to be sellers suing their own agents for refusing to work with independent buyers. 

Step by step you are working your way to being an independent player where you can do the deal on your own eventually.  

:P There isn't anywhere near enough information in the original post to provide specific advice so I asked the poster to reach out.  10,000 foot overview the best advice would be to speak with a knowledgeable INDEPENDENT insurance agent and be as forthright as possible with your situation. 

if we choose sub contractors for each work and we manage all the work independantly then need to take insurance is that correct ?