Which insurance aggregator has the best contract?

The best aggregator contract is the one where you own 100% of your book, can leave without penalty, and keep your carrier relationships when you go. On the networks agents report to InSifter, SIAA, Darkhorse, PIA, and Superior Access explicitly report agent-owned books, and VIAA reports member ownership of the book, client data, and commission deposits.

The five contract terms that actually matter

1. Book ownership — your name, unambiguously, with no buy-back conditions.
2. Exit terms — what leaving costs, and whether renewals follow you.
3. Carrier codes — whether appointments can convert to direct codes if you leave.
4. Non-solicitation scope — reasonable protection vs. a leash (see the non-compete guide).
5. Fee-change clauses — whether the override can move without your signature.

Two big names with caveats worth reading twice

Agents report that Goosehead’s ownership runs through a guaranteed buy-back structure — you own it within the confines of their organization, which is not the same as a clean title. And Iroquois reportedly carries a 2-year restriction on contracting directly with carriers you placed through them, with renewals that can revert if business moves. Neither is disqualifying — but both belong in writing in front of a lawyer, not discovered at exit. Full checklist: aggregator contract red flags.

FAQ

Which insurance aggregator has the best contract?

The best contract gives you 100% book ownership and a clean exit. SIAA, Darkhorse, PIA, and Superior Access report agent-owned books on InSifter; VIAA reports member ownership of book, data, and commission deposits. Always verify the current agreement — terms change.

Do you own your book of business with an aggregator?

With most alliance networks, yes — ownership stays with the agent. Franchise models and a few networks structure it differently (buy-backs, reversion clauses), which is why the contract language matters more than the marketing.

What should I look for in an aggregator contract?

Book ownership, exit costs, whether carrier codes convert on departure, the scope of non-solicitation, and whether fees can change without your consent. Have an attorney read it before signing.