FAQ Page


Whether you are a newer agent, a former captive agent or have an established agency, WIAA is committed to helping agents prosper. We believe our measure of success is your success. Therefore, you’ll always reach a live person to assist or guide you in writing business through us. WIAA Insurance Services prides itself on excellent service and has a staff of professional, seasoned underwriters for each department available to help you Monday through Friday from 8am to 5pm. We welcome your questions and hope you consider WIAA as an extension of your agency… ready and willing to help you succeed!

How much does it cost to access markets through WIAA Insurance Services?

There are no fees to access our markets. You simply need to maintain your membership in the Western Insurance Agents Association (WIAA). Annual dues are based upon your agency’s total property and casualty income. Our most common dues amount is less than $10 a week! This applies to agencies based in California or Nevada. Arizona and New Mexico agencies; please call for annual dues amount. Colorado agencies can apply for a subproducer appointment without membership to WIAA, however a one-time set up fee is charged.

Do you provide an online rater for personal lines business or must I subscribe to my own rater?

You must subscribe to your own comparative rater to write personal lines business. However, we offer a significant discount through an endorsement agreement with Vertafore/FSC that is quite affordable and requires no long term commitment.

What is the turnaround time for personal and commercial lines quotes?

Please allow up to 24 hours for personal lines and 24-48 hours for commercial lines with your complete ACORD submissions. Incomplete applications will delay processing time.

Who owns the book of business?

You retain ownership of your book of business whether you stay active with WIAA or choose to leave at a later date.

Do I need to sign a “non-compete” clause?

No. The agreement’s terms and conditions do not “lock you in” and allow you the freedom to write elsewhere, seek direct appointments and depart when you wish without penalty.

What are your premium volume requirements?

WIAA has no production quotas or premium volume requirements.

How much are your commissions?

Commissions vary by the carrier and type of business. They are considered competitive.

Do you report our membership to the state department of insurance?

WIAA does not report your professional affiliation with the department of insurance.

Will my agency name appear on clients’ declaration pages?

No. WIAA Insurance Services will appear on the declaration page since it is WIAA that has the direct appointment with the carrier.

Can I charge a broker fee on policies written through WIAA Insurance Services?

You may charge a broker fee on commercial lines, workers’ compensation products, and Kemper Specialty auto products only. With the exception of Kemper no broker fees can be charged for personal lines products.

Do you give WIAA members/agents direct appointments to the carriers?

No. WIAA holds the direct appointments with the carriers and our agents can gain access to these carriers through WIAA.

Do members have binding authority?

No, WIAA has binding authority.