Carrier Economics
What your book earns alone, and what it earns through OAA.
The premium you write has a price, and most independent agencies sell theirs too low because of how their contracts are structured. This page explains that structure and what changes inside the network.
The Argument
Carriers set contract terms by an agency's scale.
A solo agency brings its own book to a carrier negotiation and asks for a fair contract. The carrier offers one, but the deal is sized to one agency: entry-tier commission schedules, volume thresholds the agency can't reach, and profit-sharing pools it never qualifies for. Those terms reflect the size of the agency, not the quality of its business.
Aggregation fixes the size problem without the usual cost. OAA members write through contracts negotiated at network scale (170+ agencies and more than $700 million in premium) while keeping full ownership of their book, their codes, and their direct carrier appointments.
OAA is also a master agency of SIAA, one of the largest alliances of independent agencies in the country, so members participate in national income layers on top of the regional ones.
The Receipts
Five layers of income for every member.
Most independent agencies are paid on one or two of these. OAA members are paid on all five, and the difference compounds with every renewal.
- 01
Top-Tier Base Commissions
Carrier-direct base rates pulled up by network leverage you couldn't sign alone. The same policy, written through the same carrier, pays more inside the network.
- 02
Profit Sharing
Member-level participation in carrier profit pools, paid quarterly or annually. Solo agencies rarely clear the volume thresholds; the network clears them structurally.
- 03
Regional Bonuses
OAA-territory growth and retention incentives layered on top of carrier comp. OAA negotiates them for the membership, and your book earns them.
- 04
SIAA Exclusive PMSF Bonuses
Performance Marketing Support Fund bonuses available only through the SIAA network, which in effect pay you to grow.
- 05
SIAA National Profitability Bonuses
National-tier bonuses tied to network-wide carrier performance. Your agency participates in results no single agency could produce.
The Comparison
The same book, side by side.
Five income layers for an independent agency writing $2M in annual premium, written solo and written through OAA. Illustrative figures2. Your number depends on your book.
Both columns are gross annual income from carriers and the network, before OAA membership fees and before the agency's own operating expenses. The fee schedule is part of the conversation, not the table.
The real version of this table uses your premium, your carrier mix, and your state.
Get Your Number on a CallMarket Access
The carriers behind the contracts.
The partner carriers members are appointed with through the network. Brokers, regional and program markets, premium finance, and life & health partners are listed by name just below.4
The Full Roster
The full partner list.
Strategic carriers, brokers, regional and program markets, premium finance, and life and health partners, as OAA lists them today. Technology partners are on the Technology page.
Strategic Partner Carriers 34
National and regional carriers members are appointed with through the network.
- Allstate
- American Modern
- AmTrust
- Attune
- Branch
- Bristol West
- Chubb
- CNA
- Coterie Insurance
- CSAA (IA Channel of AAA)
- Donegal Insurance Group
- Employers
- Foremost
- Grange Mutual
- Berkshire Hathaway GUARD
- Hagerty
- The Hartford
- Heritage and NBIC
- Kemper
- Liberty Mutual
- LIO Insurance
- Main Street America
- MAPFRE Insurance
- Merchants Insurance
- National General Insurance
- Nationwide Insurance
- Pie Insurance
- Progressive
- Simply Business
- State Auto
- Swyfft
- Travelers Insurance
- UFG (United Fire Group)
- Utica First
Partner Brokers 7
Wholesale and specialty brokers for risks outside standard appetites.
- Burns & Wilcox
- CRC Group / TAPCO
- RPS (Risk Placement Services)
- RT Specialty
- Xchange
- XS Brokers
- Jencap
Regional Partners 5
Markets specific to the states OAA serves.
- CompSource
- Mercury
- JimCor
- OGA
- Openly
MarketFinder Partners 24
Niche and program markets reached through SIAA's MarketFinder.
- 5Star
- American Specialty
- Argenia
- Berkley Aspire
- BTIS
- CannGen
- Collectibles Insurance Services
- Core Programs
- Hospitality Insurance Group
- James Allen Insurance
- LifeLock
- Local Edge
- Neptune Flood
- Orchid Insurance
- Pathpoint
- Propeller Bonds
- Real Estate Professional Liability
- RLI Surety
- Rockwood/Fox Point Programs
- RMS Hospitality Group
- Travelers Inland Marine
- Travelers Public Sector
- Travelers Technology
- Vacant Express
Life & Health Partners 5
Life, health, and supplemental markets available to members.
- Crump Life
- Nationwide
- Velapoint
- BackNine
- Aflac
What You Keep
Your book and your codes stay yours, even if you leave.
-
Your book of business
Every client relationship is yours. OAA is a network and takes no ownership stake in your book, so membership never puts it on someone else's balance sheet.
-
Your carrier codes & direct appointments
Your appointments are written in your agency's name. You keep the direct carrier relationships you build through the network.
-
Your decisions
How you staff, price, and run your agency stays yours.
And if you ever decide to leave
If membership ever stops paying off for your agency, you leave with your book, your codes, and your direct appointments intact, including everything you built while you were here. The exact notice and transition terms are spelled out plainly before you ever sign, and we'll walk you through them on the call.
Take the First Conversation
See the numbers for your own book.
Bring your premium volume and carrier mix. We'll show you the delta between your current economics and member economics, line by line and layer by layer. Thirty minutes. Confidential.
- Member-agency count and premium written are One Agents Alliance network figures, covering business placed through OAA member agencies. ↩
- Illustrative economics. Figures are modeled on publicly documented independent-agency compensation structures for a hypothetical $2M-premium agency, not OAA member results, and not a statement of any carrier's or the network's contract terms. Actual figures depend on your book, your carriers, and your loss experience. ↩
- Agency valuation multiples and pre-sale lead times vary widely with size, earnings quality, retention, carrier mix, and buyer. The 3–5× EBITDA range and 36-month lead time are general industry rules of thumb offered for orientation, not an appraisal, and not a projection of any individual agency's value. ↩
- Partner roster per One Agents Alliance's partner list as of September 2026. Appointments and appetites change; the lineup available to a given agency is confirmed in conversation. ↩