Find out in a minute whether this fits your agency.

A premium number would answer one question, and an owner deciding this has three: what your book looks like, where you are trying to take it, and what is in your way. Any figure that works as a hard minimum is on the terms page.

The four questions at /join give you a read on your own situation in about two minutes, including an honest "not yet" with the reason.

An established independent agency with its own appointments. You have clients, you have at least one carrier code of your own, and you have hit the point where the next carrier you want will not talk to you at your volume. This is the case the model is built around and the one where the economics move fastest.

An agency whose book is concentrated. If one carrier holds a third or more of your premium, you are running a business whose year can be decided in a room you are not in. Spreading that is the most common reason an agency looks at a network, and it is rarely because the current carrier is bad. It is because there is no second door. Book Check will put a number on yours.

An agency moving toward commercial lines. The move from personal to commercial is where the value of a book changes, and it is the move most agencies stall on for the same three reasons: no appointments, no appetite knowledge, and nobody to second-opinion a submission.

An owner who intends to stay independent. This is leverage, not an exit. If you want to keep building something with your name on it, the whole arrangement is pointed in your direction.

An agency writing in more than one state. Multi-state appointments are disproportionately hard to assemble alone and disproportionately easy inside a group.

An agency already in another network. Most agencies that talk to us are, and it is not a disqualifier. The useful conversation is about what is not working: is it the markets, the economics, the support, or the fact that nobody has called you in a year? Read your existing agreement's notice and exit provisions first. We would rather you stayed somewhere that works than moved and regretted it.

A captive agent going independent. You know how to sell and you have never had to place a risk that did not fit. Those are different skills and the second one is the one a network actually helps with. The question is how much of your book can follow you, which is a question about your current contract rather than about us.

A new agency, first year or two. Some networks are built for startups and some are not. What we will do is tell you which we are for your situation rather than sign you up and let you find out. If the honest answer is that you need volume before membership pays for itself, you will get that answer.

A personal-lines-heavy book. Nothing wrong with it, and carrier appetite in personal lines has been moving quickly enough that access matters more than it did. Worth discussing what the concentration and the mix look like before assuming either way.

An agency planning an acquisition. A network sees both sides of that market, owners looking to sell and owners looking to buy, which is exactly the market an individual agency has no view of. Timing matters here more than size.

If you are looking to sell rather than build. A network is leverage for somebody who intends to keep operating. If the plan is an exit inside a year, what you need is a valuation and a buyer, and joining anything first mostly complicates that.

If the plan depends on production commitments you have no path to meeting. Carriers grant appointments against expected volume. Signing up to numbers you cannot reach damages your standing with those carriers and the group's, and the group's is shared.

If you are not licensed and writing yet. Get the license, get an appointment, write some business. Then the conversation is a real one. Tell us when you expect to be writing and the answer changes as soon as that does.

If what you actually want is a job. Some people describing themselves as wanting to go independent want a better commission split without the operating burden. That is a legitimate thing to want and it is not this.

Usually one of three things, and usually inside a year:

1. You start writing. A pre-launch agency becomes an established one the month it has clients and a code.
2. Your volume crosses the point where a carrier will talk. The threshold is the carrier's, not ours.
3. Your current arrangement ends. If you are inside a notice period somewhere else, the timing question answers itself.

A "not yet" here is a real answer with a date attached, not a polite decline. We keep your details and pick it back up when you tell us something has changed.