Pacific Interstate Insurance Brokers review for insurance agencies: fees, carrier access and book ownership
Pacific Interstate Insurance Brokers, or PIIB, is an agency network in nine Western states. Members get subcodes under its master codes, deal with carriers directly and are paid by the carrier.
Dues are $850 a month. PIIB takes no base commission and keeps 10% of profit sharing.
To sell a carrier's policies an agency needs an appointment, a contract with that carrier. Networks often hold the appointment as a master code and list each member under it on a subcode.
The commission split is how each commission is divided between you and the network. Carriers also pay profit sharing, a yearly bonus for profitable business. Book ownership is about who keeps the clients and the expirations, their renewal records, if you leave.
- Best for
- Experienced P&C agencies in nine Western states that want to keep all base commission
- Monthly fee
- $850
- Commission share
- None on base commission. It keeps 10% of profit sharing
- Carrier access
- A subcode under its master codes, with the carrier paying you
- Startups
- With two years of P&C experience
- States
- AZ, CA, CO, ID, NV, OR, TX, UT and WA
Our take
PIIB suits an experienced Western agency that writes enough to make flat dues cheaper than a split. Its exit terms are published and plain, with 90 days of notice, a $5,000 fee and no first right to buy your agency.
It does not place business for you. You work the carriers yourself, and it is only in nine states.
Pros
- 100% of base commission
- 90% of profit sharing from the first dollar
- Published exit fee and notice
- No first right to buy your agency
- No retail agency of its own competing with members
Cons
- $850 monthly dues
- $5,000 fee to leave
- No central placement desk
- Only nine Western states
- Requires two years of P&C experience
Who they take
- Startups
- Yes, with at least two years of P&C experience and a strong business plan
- Captive agents
- Yes, through its ex-captive track
- Requirements
- Two years of tax returns, a business and marketing plan, E&O of at least $1 million and a meeting
- Production minimums
- None to join. Carriers often expect about $100,000 in premium within two years
- States
- Arizona, California, Colorado, Idaho, Nevada, Oregon, Texas, Utah and Washington
- Lines
- Personal and commercial P&C
What it costs
PIIB charges flat monthly dues and takes no share of base commission. It keeps 10% of profit sharing and charges a set fee when you leave.
| Fee | Amount | How often |
|---|---|---|
| Monthly dues | $850 | Monthly |
| Commission kept | 0% | Not charged |
| Profit sharing kept | 10% | Yearly |
| Accelerate add-on | $350 | Monthly, optional |
| Separation fee | $5,000 | Once, when you leave |
Fees as of October 2026, from piib.com. Accelerate is an optional add-on for agencies too small for a subcode yet.
How you get carrier access
PIIB says it works with more than 60 carriers across nine states.
Your own appointments
You may keep and add outside appointments. With Accelerate you write on PIIB's master code until you have the volume, then earn your own appointment.
The network's code
On the standard membership your agency gets a subcode under a PIIB master code, then quotes and binds directly with the carrier. Carriers decide on each appointment.
- Who holds the appointment
- PIIB holds the master code. Your subcode sits under it
- Path to a direct appointment
- Through Accelerate, once your volume is high enough
How you get paid
- Who the carrier pays
- Your agency, directly
- Commission schedule
- 100% of base commission to you
- Profit sharing
- 90% to you from the first dollar, with a carrier-by-carrier report and a month to review it
Your book and leaving
PIIB says you keep full ownership of your agency and book. When you leave it separates your carrier codes, releases your book and does not block future appointments.
- Who owns the expirations
- You, according to PIIB
- Carrier code after you leave
- PIIB separates your codes and does not block new appointments
- Selling your agency
- To anyone. PIIB has no first right to buy, and PIIB Match can introduce you to other members
- Liens and transfer fees
- A $5,000 separation fee
- Restrictions
- Outside appointments are allowed while you are a member
Term and exit
- Notice
- 90 days
- Exit fee
- $5,000
Technology, E&O and support
Technology
- No required agency management system
- CollabConnect member portal
- Vendor discounts on agency software, marketing and websites
E&O
You must carry E&O with limits of at least $1 million.
Help you get
- Help choosing carriers and filing appointment paperwork
- Peer Market Forum and appetite guides
- Webinars and member events
- PIIB Match for buying, selling or merging with other members
Who owns the network
- Owner
- 40 of its affiliate agencies, PIIB says
- Buys member agencies
- No
- Runs its own retail agency
- No
Pacific Interstate Insurance Brokers alternatives
- Smart ChoiceNo monthly feeNo entry or monthly fee, keeps 30% until a set commission level, then nothing
- FireflyNo monthly duesWrites on Firefly's code and keeps 10%. Moving its carrier business costs 30% of a year's commission
- IronpeakNo duesNo entry fee or dues, profit sharing from $100,000 in premium
- Strategic Agency PartnersNo entry fee, per trade pressNo commission cut per trade press, with pooled profit sharing in New Jersey and Pennsylvania
- Greater Midstates Insurance AgencyNo monthly duesOne-time fee, no dues, six central states
See every option in insurance agency clusters and networks.
Frequently asked questions
How much does PIIB cost?
Dues are $850 a month. There is no share of base commission, and PIIB keeps 10% of profit sharing.
How do I leave PIIB?
Give 90 days' notice and pay a $5,000 separation fee. PIIB separates your carrier codes.
Do I own my book with PIIB?
PIIB says yes, and that it releases your book when you leave.
Does PIIB take startups?
Yes, with at least two years of P&C experience and a strong business plan.
How we researched this review. We based this review on the pricing, terms and product pages published by Pacific Interstate Insurance Brokers, 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 Pacific Interstate Insurance Brokers quit selling or a contract term that reads different now, let us know and send the link to the page where Pacific Interstate Insurance Brokers has it. Somebody here pulls up that page and checks it before we change anything on ours.