The nation's premier cluster group
Keep every bit of your agency. Borrow all of our leverage.
Insurance Associates of America gives independent agents access to 40+ national and regional carriers, commission splits up to 95%, and a support staff that has been doing this since 1995 — while you retain 100% ownership of your book from day one.
No buyout clauses. No exit fees. Nationwide.
At a glance
- Carriers represented
- 40+
- Commission retained
- up to 95%
- Book ownership
- 100%
- States serviced
- 48
- Founded
- 1995
Who joins IAA
Four kinds of agents, one reason.
Production requirements, carrier appointments and contingency thresholds are built for large agencies. IAA pools the volume of hundreds of member agencies so a one-person shop is underwritten like a book worth millions.
- 01
Captive agents going independent
Walk into your first independent year with 40+ markets already appointed and a rater on day one.
- 02
Established independent agencies
Add the markets you are missing, and count your volume toward contingencies you could not reach alone.
- 03
Brand-new agency startups
Carrier access without the production requirements, plus financing paths to get the doors open.
- 04
Agents already in a cluster
Compare a published 90/10 split, no buyout clause and no exit fee against what you signed.
You own the book. All of it. Forever.
Every carrier contract runs through IAA, and your agency stays 100% yours. There is no buyout clause and no exit fee. If you ever leave, you leave with your customers.
- All company contracts run through IAA; the agency remains 100% yours.
- No buyout clauses and no exit fees, from day one.
- Perpetuation help when you are ready to sell, including financing for the buyer.
Explanation of benefits
Fourteen reasons agencies stay.
The full membership list, as IAA states it to every prospective member agency.
- 01
Retained ownership
Even though all company contracts are through IAA, the agency is still 100% owned by you.
- 02
Increased markets
Through IAA we are able to represent more companies by spreading the production requirements.
- 03
Increased contingencies
With all of IAA's agency premium volume counting toward contingencies, the percentages paid by the companies are significantly higher.
- 04
More stable contingencies
With a large premium volume at a company, one shock loss will not have as dramatic an effect on the loss ratio.
- 05
Reduced fear of losing a company
Companies are less likely to terminate an agency contract behind large production volume. IAA has a book of one million dollars plus with most of our companies.
- 06
Preferred agency contracts
As an alliance, IAA can negotiate different contracts on the strength of its volume: better commission and contingency levels, other benefits, and more underwriting consideration.
- 07
Experienced home office support
Knowledgeable support staff to answer the questions you have about placing new business.
- 08
Comparative rating program
A state of the art comparative rater is provided, rating up to 36 companies and over 100 plans for both auto and homeowners.
- 09
The latest in marketing ideas
Proven results developing personal and commercial marketing ideas, and constant contact with agencies around the country to monitor what works and what does not.
- 10
Reduced management system cost
IAA has negotiated reduced pricing on the EZLynx agency management system, well below what an agency could obtain on its own.
- 11
New agent financing
Through company sponsored programs or from within IAA, there are several ways for us to assist in making your agency grow.
- 12
Perpetuation planning and financing
When you wish to move on or exit the business, we can assist in finding a buyer and in arranging financing for the prospective buyer.
- 13
Company sponsored trips
Any agency that qualifies for a company sponsored trip has first choice to attend. Where a company allows only one trip per IAA, the agency that qualified first receives it.
- 14
Service center option
For agencies that wish to hand off personal and commercial lines service, a full service support department answers generically as your agency.
Service center option
Hand off service without handing off the relationship.
A full support department handles personal and commercial lines service. Customers call your number, forwarded to the service center, or the 800 line. Either way the phone is answered generically — your client believes they are speaking with your agency.
Technology
EZLynx and comparative rating at network pricing.
IAA has negotiated reduced pricing on the EZLynx agency management system — well below what a single agency can obtain on its own.
The included comparative rater quotes up to 36 carriers and more than 100 plans across auto and homeowners.
Compensation structure
Published, not negotiated behind a phone call.
Members are paid as independent agencies, directly by IAA, on the same terms as our carrier contracts.
One-time joining fee
$5,000
Paid once, at the start of the agreement.
Monthly maintenance
$200
Begins 90 days after the agreement start date.
Standard split
90 / 10
Your share of commission on business you write and service.
After $250K revenue
95 / 5
Split increases once annual revenue reaches $250,000.
Additional splits for quoted or serviced accounts
- IAA quotes the account for you
- +25%
- IAA quotes the account for you, in Florida
- +35%
- IAA services the account, you quote and place the business
- +35%
- IAA both quotes and services the account
- +40%
- IAA both quotes and services the account, in Florida
- +45%
How and when you are paid
- Members are paid as independent agencies, directly by IAA, on the same terms as our carrier contracts.
- Commissions are paid by the end of the month for all commissions received within that month.
- Contingent commissions are distributed in the month they are received from the carrier.
Partner carriers
Over 40 national and regional markets.
A selection of the carriers IAA represents. Appointments vary by state and agency.
- AAA
- Allstate
- American Modern
- Branch
- CNA
- Dairyland
- Donegal
- Foremost / Bristol West
- Gainsco
- Heritage
- Liberty Mutual
- Mercury
- National General
- Nationwide
- Progressive
- Safeco
- Stillwater
- Universal P&C
- USLI
- West Bend Mutual
- Wright Flood
- + 20 more
Servicing all 48 continental states · member agencies in 49
Your national sales rep
Harry Corbin
National Sales Representative · Insurance Associates of America
Harry works with agents nationwide, from captive producers planning their first independent year to established agencies that have outgrown their current cluster. He will walk you through carrier access in your state, the numbers as they would apply to your book, and what the first 90 days look like.
Membership inquiry
Tell us about your agency.
A short note is enough. Harry will follow up with the carrier list for your state and the numbers as they would apply to your book. Nothing is shared with carriers before you say so.
- The carrier list as it stands in your state.
- Your numbers run against the published split, not a teaser rate.
- A straight answer on whether IAA is the right fit for your book.