SecureRisk review for insurance agencies: fees, carrier access and book ownership
SecureRisk is a member-owned cooperative of independent agencies across the Southeast, based in Atlanta. Members pool their premium to win group carrier agreements, overrides (extra commission carriers pay on volume) and profit sharing.
It shares its fees, commission terms and membership agreement only with agencies that apply.
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 Southeast agencies that want an ownership stake in a member-owned group
- Carrier access
- Group agreements built on members' pooled premium
- States
- The Southeast
Our take
SecureRisk suits an established Southeast agency that wants to help own its network. Its carrier and wholesaler list is long.
Very little of the deal is public. Get the fees, split, book ownership and exit terms in writing before you commit.
Pros
- Owned by its member agencies
- Long list of carriers and wholesalers
- Profit sharing and overrides on pooled premium
- Shared marketing and accounting services
Cons
- Fees and split are not published
- No path to your own codes is described
- Southeast only
Who they take
- States
- The Southeast, with roots in Georgia
- Lines
- Personal and commercial P&C, life, health, bonds and workers comp
What it costs
SecureRisk doesn't publish its joining fee, dues or commission share. The only prices on its site are for member meetings.
| Fee | Amount | How often |
|---|---|---|
| Member meeting, per agent | $150 | Per event |
| Benefits Forum only | $75 | Per event |
Meeting fees only, as of October 2026, from securerisk.com. Membership fees are given to applicants, so ask for the agreement, fees and split in writing.
How you get carrier access
Your own appointments
SecureRisk does not describe a path to codes in your own name.
The network's code
Members pool their premium, and SecureRisk negotiates group carrier agreements on that combined volume.
- Carriers
- Travelers, The Hartford, Chubb, Auto-Owners, Nationwide, Liberty, CNA, Hanover, Markel and others, plus wholesalers such as Amwins and RT Specialty
How you get paid
- Profit sharing
- Contingency profit sharing and higher overrides, with no published formula
Your book and leaving
SecureRisk says each member agency is independently owned. It has not published its membership agreement, so ask how expirations, codes and exits are handled before you join.
- Agency ownership
- Each member agency is independently owned
Technology, E&O and support
Technology
- Vendor discounts and tool subsidies
Help you get
- Members-only meetings and a Benefits Forum
- Carrier and vendor roundtables
- Shared marketing, accounting and vendor services
Who owns the network
- Owner
- Its member agencies
- Buys member agencies
- No
SecureRisk 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
- IronpeakNo duesNo entry fee or dues, profit sharing from $100,000 in premium
- RenaissanceMonthly fee with a first-year earnings guarantee, 23 states
- 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 SecureRisk cost?
SecureRisk does not publish its fees or commission share. You get them after you apply.
Do I own my book with SecureRisk?
SecureRisk has not published who owns the expirations. Ask for the membership agreement before you join.
Who owns SecureRisk?
Its member agencies. It has no outside investor.
How we researched this review. We based this review on the terms and product pages published by SecureRisk, 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 SecureRisk quit selling or a contract term that reads different now, let us know and send the link to the page where SecureRisk has it. Somebody here pulls up that page and checks it before we change anything on ours.