Combined Agents of America

What Combined Agents of America does

Combined Agents of America (CAA) is a privately held, 100% member-owned insurance agency aggregator founded in 1997 and headquartered in Austin, Texas. The organization recruits independent P&C insurance agencies across 10 South-Central states (Arkansas, Colorado, Iowa, Kansas, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, Texas), with the network having grown from 7 founding agencies to 85+ member agencies representing more than $2.5 billion in combined property and casualty premium. CAA's product stack centers on an internal brokerage (CAAIS) that provides member agencies with exclusive access to admitted markets and shares 80% of commission back to the originating agency, a CAA Premium Finance program in which members hold an ownership stake, a Group Underwritten E&O program delivering average 20% savings, and a CRC-partnered exclusive cyber program. Training and community products include the Producer Academy (delivered with Blueprint Consulting) and the Account Manager Academy ($50/month), with the annual Summer Series and Women in Leadership events serving as flagship convenings.

The business model blends four revenue streams: recurring membership dues from agencies, commission income retained by CAA on placements routed through CAAIS, event sponsorship and registration revenue across a tiered structure ($2,500 to $25,000 per sponsorship slot), and earnings from CAA Premium Finance. Technology infrastructure is lightweight: the member portal, website, event registration, and community features run on YourMembership.com association management software, while member agencies use Applied Systems, Vertafore (including AgencyZoom), and Zywave for agency operations, with Ascend newly designated as the exclusive accounting automation partner. Distribution is community-led, with growth driven by referrals, industry events, and direct outreach to agencies that meet underwriting and profitability standards. CAA differentiates itself from PE-backed aggregator competitors through its 100% member-owned governance model, with no institutional, PE, or VC capital disclosed in the source material.

Name

Combined Agents of America

Legal name

Combined Agents of America, LLC

Website

https://combinedagents.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Combined Agents of America is a 100% member-owned insurance agency aggregator that pools 85+ independent P&C agencies across 10 states, offering members an internal brokerage (CAAIS), premium finance participation, group E&O, training academies, and carrier partnerships representing over $2.5 billion in combined premium.

Ownership category

akta.pro rank

Product category

Insurance Agency Network Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Leads, Introducers & Referral Networks (FSAEAMAB)

Keywords

• Insurance agency aggregator
• Independent insurance network
• Member-owned agency group
• Group E&O insurance
• Insurance carrier partnerships

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Membership Fees: CAA generates revenue through membership fees from independent insurance agencies that join the aggregator network. The fees provide access to collective purchasing power, carrier partnerships, training programs, and back-office support services.
2. Commission Revenue: Member agencies share commissions through CAA's internal brokerage CAAIS, with agencies receiving 80% of commission paid to CAAIS. The aggregator leverages combined premium volume to secure favorable commission arrangements with insurance carriers.
3. Event Sponsorships and Registration Fees: CAA generates revenue through sponsor partnerships for flagship events like Summer Series, board meetings, and academies. Sponsorship tiers range from $5,000 to $25,000, and attendee registration fees for events and professional development programs.
4. CAA Premium Finance: Exclusive premium financing services for member agencies, where CAA earns on every policy financed through ownership in a finance company.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Combined Agents of America is a 100% member-owned insurance agency aggregator network that recruits independent insurance agencies and provides them with collective purchasing power, carrier partnerships, an internal brokerage (CAAIS), member-owned premium financing, group insurance programs (E&O and cyber), training academies, and shared back-office services and data insights. The network serves agencies across a 10-state footprint and represents $2.5 billion or more in combined premium volume.

Product overview

Combined Agents of America (CAA) is a privately held insurance agency aggregator group that operates as a 100% member-owned network. The core offerings include CAAIS (internal brokerage providing exclusive market access with 80% commission sharing), CAA Premium Finance Funding, and membership benefits such as Group Underwritten E&O insurance, CRC Exclusive Cyber Program, and AgencyKPI data insights. Training and professional development products include the Producer Academy (sales training with Blueprint Consulting) and Account Manager Academy (year-long skill development). CAA also hosts the Summer Series as its flagship annual conference. The platform is powered by YourMembership.com for member management and community features.

Differentiator

Problem solved

Functional benefit

Brands

• CAA Insurance Services (CAAIS): CAA's internal private agency providing exclusive access to admitted markets for new business with carriers without appointments. Expands member agencies' market options and offers a chance to earn direct appointments by building a book of business.

Products and services

• CAA Insurance Services (CAAIS)

Quantifiable outcome

• Average 20% savings on E&O insurance through group-rated program
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core, minor and major.

• AscendcoreTechnology or Integration · 3 March 2026Ascend, a financial operations automation platform for the insurance industry, was designated as CAA's exclusive Accounting Automation Partner for its nationwide network of independent insurance agencies. The collaboration aims to modernize back-office operations by replacing fragmented manual workflows with end-to-end automation for commission reconciliations, billing and payments, and carrier payables.
• BlueprintcoreStrategic or Co-development PartnerBlueprint is CAA's partner for the Producer Academy sales training program. The partnership provides comprehensive sales training for new and experienced producers across member agencies through weekly coaching sessions and in-person training. The 2025 Producer Academy included 32 producers from 20 different agencies.
• Broadstreet CorpminorChannel Partner/ Reseller/ DistributorAcquisition partner listed for CAA's agency acquisition program, supporting growth through strategic acquisitions of member agencies.
• Leavitt GroupminorChannel Partner/ Reseller/ DistributorAcquisition partner for CAA's agency acquisition program, helping facilitate growth through acquisitions.
• ChubbmajorChannel Partner/ Reseller/ DistributorMajor insurance carrier partner offering personal and commercial insurance products through the CAA network of independent agencies.
• Progressive InsurancemajorChannel Partner/ Reseller/ DistributorMajor personal and commercial auto insurance carrier partner providing products through CAA's independent agency network.
• NationwidemajorChannel Partner/ Reseller/ DistributorMajor insurance carrier partner offering personal lines, commercial lines, and specialty products through CAA member agencies.
• Liberty MutualmajorChannel Partner/ Reseller/ DistributorMajor insurance carrier partner offering personal and commercial insurance products, including surety bonds, through the CAA network.
• TravelersmajorChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier partner providing products through CAA member agencies.
• The HartfordmajorChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier partner offering products through CAA's independent agency network.
• Cincinnati InsurancemajorChannel Partner/ Reseller/ DistributorRegional insurance carrier partner offering commercial and personal insurance products through CAA member agencies, including Cincinnati Life for life insurance products.
• AmwinsmajorChannel Partner/ Reseller/ DistributorWholesale broker providing excess and surplus lines products through the CAA network of independent agencies.
• CRC GroupmajorChannel Partner/ Reseller/ DistributorWholesale broker and managing general agent providing specialty insurance products including exclusive cyber program through CAA member agencies. CRC's Specialty ProElite Team offers market-leading cyber coverage with real-time threat alerts, 24/7 expert access, and group-negotiated pricing.
• Burns & WilcoxmajorChannel Partner/ Reseller/ DistributorWholesale broker providing E&S and specialty insurance products through CAA member agencies. Also sponsors CAA events including Summer Series Happy Hour.
• RTSpecialtyminorChannel Partner/ Reseller/ DistributorWholesale specialty broker providing products through the CAA network.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Alera Group: PE-backed national insurance services firm aggregating independent agencies and benefit advisory firms. Competes head-to-head with CAA for member agencies and carrier relationships, operating a similar aggregator playbook at greater scale.
• Highstreet Insurance Partners: PE-backed aggregator that builds a national network of independent insurance agencies through recruitment and acquisition. Directly comparable to CAA as an aggregator competing for the same independent-agency principals, but with institutional capital.
• IMA Financial Group: Employee-owned insurance and risk management firm with a member/employee-owned ownership structure reminiscent of CAA's 100% member-owned model. A natural comparator on both the ownership model and the carrier-leverage value proposition.
• Strategic Insurance Agency Alliance (SIAA): SIAA is one of the largest U.S. insurance agency aggregators/network models (a 'cluster' of independent agencies), with a national footprint and a structurally similar carrier-aggregation, member-recruitment, and shared-services model to CAA.
• World Insurance Associates: Publicly traded insurance agency acquirer/aggregator building a national platform by aggregating independent agents. Closely comparable to CAA on the carrier-aggregation and member-network model, with M&A capital as the key difference.
• Insurica Insurance Management: Large independent agency/cluster group serving commercial clients via aggregated carrier relationships. Comparable to CAA as an aggregator-style ownership structure and carrier-leverage strategy, operating in adjacent geographies.

Broad incumbents

• Acrisure: One of the largest, fastest-growing insurance brokerage/platform aggregators globally. Although much larger and broader in scope (including reinsurance, real estate, and cyber services), it competes with CAA for independent-agency principals considering aggregator partnerships.
• Burns & Wilcox: Major wholesale specialty broker and a named CAA channel partner. Comparable as a specialty/wholesale distribution layer that complements agency aggregators and serves overlapping carrier relationships; CAA's VP of Wholesale Distribution herself previously held leadership roles here.
• One80 Intermediaries: Specialty insurance intermediary aggregator built through M&A. Comparable to CAA in serving independent agencies through carrier and wholesale partnerships, with greater geographic reach and a different (PE-backed vs. member-owned) ownership model.
• CRC Group: Wholesale broker and MGA named as a CAA partner for an exclusive cyber program. Comparable as a specialty distribution counterparty serving the same independent-agency ecosystem, evidencing overlap in target customers and carrier-facing economics.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/combinedagents
• Facebookfacebook.com/CombinedAgentsofAmerica
• LinkedInlinkedin.com/company/combined-agents-of-america
• Instagraminstagram.com/CombinedAgentsofAmerica

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Combined Agents of America