Independent Agents:

Is growth a problem for you?

  • Are you having trouble accessing competitive companies?
  • Do you have enough volume to receive profit sharing or supplemental commissions?
  • Are you able to compete with larger agencies?
  • Are you losing accounts because you do not have completive markets?

The concept began in 1982 with the Satellite Agency Network (SAN) of New England in response to changes in the Independent Agency System.  At the time, many local agencies were finding that it was impossible to meet volume requirements, keep markets and survive.  SAN allows the local independent agent to remain independent, keep existing markets while gaining new ones.  Plus, it helps generate additional income and profit sharing without having to sell, merge or cluster.  SIAA and CIAA are building on SAN’s success.

Today, SIAA is successfully growing in 48 of the United States, as well as Puerto Rico and Canada.

With over 3000 members and $5 billion in written premium SIAA has more clout than ever, and continues to grow at an extraordinary rate.  When fully developed it is expected that SIAA will reach $20 billion in premium and 5,000 Members.

Direct Writing/Captive Agents:

  • “Walk by” business that you cannot write?
  • Refer business to another agent for little or no commission?
  • Would you like to start your own Independent agency?
  • Would you like to own your agency?


Would you like to be able to:

Receive profit sharing income on your business?
Qualify for additional compensation paid on “growth” ?
Receive National management fee income?
Earn an average of 15% new and renewal commissions?

our approach

CIAA was formed in 1999 to establish a regional alliance of Independent Insurance Agencies in Colorado and Wyoming.

Our objective is to allow our Member agents to increase their independence by concentrating on producing profitable business.

Plus, taking advantage of opportunities only offered to larger agencies that produce significant premium volumes.

who we are