Combined Agents of America review for insurance agencies: fees, carrier access and book ownership
Combined Agents of America is an Austin, Texas agency network owned outright by its member agencies. Members pool their premium for better carrier terms while keeping their own appointments and brands.
It works with established agencies in ten central and southwest states. CAAIS, its in-house brokerage, places business where a member has no appointment and pays them 80% of the commission.
Carriers let an agency sell their policies through an appointment.
The commission split is the cut of each commission the network keeps. Profit sharing is a yearly carrier bonus for business that is profitable and growing. Book ownership decides who keeps the clients and their expirations, the renewal records for each policy, when you leave.
- Best for
- Established, profitable agencies in the central and southwest states that want an ownership stake in their network
- Commission share
- 20% on business placed through CAAIS
- Carrier access
- Your own appointments, plus CAAIS for markets you lack
- Startups
- No
- States
- AR, CO, IA, KS, MO, ND, NE, OK, SD and TX
Our take
CAA suits a profitable, established agency that wants a real say in its network and doesn't want outside investors involved. You keep your own appointments and use CAAIS only where you need it.
It is not for startups, and members are expected at three board meetings a year. Fees and exit terms come only after you apply.
Pros
- Owned by its member agencies
- Keeps your own appointments
- CAAIS pays you 80% on what it places
- Group E&O where each member keeps its own limit
- Producer and account manager training
Cons
- Not for startups
- Fees and dues are not published
- Only ten states
- Three board meetings a year
Who they take
- Startups
- No. It looks for established agencies
- Requirements
- Profitable results, good loss ratios and a strong local reputation. Details come after you send an interest form
- Time commitment
- Voting members attend board meetings three times a year
- States
- Arkansas, Colorado, Iowa, Kansas, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota and Texas
- Lines
- Mostly P&C, with commercial and high net worth personal lines through CAAIS
What it costs
Combined Agents of America doesn't post a joining fee or dues. The one published number is for CAAIS, its in-house brokerage: when you place business there, you get 80% of the commission and CAAIS keeps 20%.
| Fee | Amount | How often |
|---|---|---|
| Commission kept on CAAIS business | 20% | Every commission payment |
As of October 2026, from combinedagents.com. Joining fees and dues are shared after you apply.
How you get carrier access
Your own appointments
Members hold their own carrier appointments alongside the group's carrier relationships.
The network's code
CAAIS places commercial and personal business with carriers where you have no local appointment. CAA says this is a way to build a book and later earn your own appointment.
- Who holds the appointment
- You, on your own appointments. CAAIS, on what it places
- Path to a direct appointment
- Build a book through CAAIS, then earn your own code
How you get paid
- Who the carrier pays
- You, on your own appointments. CAAIS first on its placements
- Commission schedule
- 80% to you on CAAIS business. Other schedules are in the member portal
- Profit sharing
- Pooled premium is meant to raise profit sharing, with no published formula
Your book and leaving
CAA is owned by its member agencies and says they keep their own identity and independence. Its membership agreement is not public, so confirm ownership and exit terms in writing.
- Carrier code after you leave
- Your own appointments are yours
- Selling your agency
- Members can use its acquisition form to find buyers among other members
Technology, E&O and support
Technology
- AgencyKPI data on your book
- Tarmika commercial quoting
- CRC cyber tools
E&O
A group E&O program where each member keeps its own limit. CAA says members save 20% on average.
Help you get
- CAAIS commercial and personal marketing specialists
- Producer Academy and Account Manager Academy
- Carrier sessions at board meetings
- Marketing Toolbox
Who owns the network
- Owner
- Its member agencies, with no outside investors
- Buys member agencies
- No
Combined Agents of America alternatives
- SIAAHelps you win direct appointments through a regional Master Agency
- Smart ChoiceNo monthly feeNo entry or monthly fee, keeps 30% until a set commission level, then nothing
- FirstChoice$500 a month, per PIA associationsFlat monthly fee, your own appointments and, it says, no noncompete
- IronpeakNo duesNo entry fee or dues, profit sharing from $100,000 in premium
- ISU SteadfastMonth to month with one month of notice, fee set by revenue
See every option in insurance agency clusters and networks.
Frequently asked questions
How much does Combined Agents of America cost?
It does not publish fees or dues. On business placed through CAAIS it keeps 20% of the commission.
Does Combined Agents of America take startups?
No. It looks for established agencies with good results.
Do I own my book with Combined Agents of America?
Your own appointments stay yours. CAA has not published its membership agreement, so ask how expirations are handled before you join.
Who owns Combined Agents of America?
Its member agencies. It has no outside investors.
Which states does it cover?
Arkansas, Colorado, Iowa, Kansas, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota and Texas.
How we researched this review. We based this review on the terms and product pages published by Combined Agents of America, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Combined Agents of America quit selling or a contract term that reads different now, let us know and send the link to the page where Combined Agents of America has it. Somebody here pulls up that page and checks it before we change anything on ours.