The Ultimate Guide to Choosing the Right Insurance Cluster or Aggregator for Your Agency

Nicholas Ayers
Nicholas Ayers

Co-Founder @ Better Agency

In today’s competitive insurance market, agency owners must make strategic decisions when it comes to choosing the right network cluster or aggregator. With so many options available, it can be overwhelming to know where to start. In this guide, we’ll break down the key factors to consider when evaluating insurance clusters and aggregators, so you can make an informed decision for your agency.

Finding the Right Niche

The first step in evaluating network clusters and aggregators is finding one that is aligned with your agency’s niche. Your niche is the specific area of insurance that your agency specializes in. For example, if your agency specializes in small business insurance, you’ll want to look for a network or aggregator that has a strong reputation in that area. By working with a cluster or aggregator that specializes in your niche, you’ll be able to access markets and products that align with your agency’s strengths.

Paying for Ongoing Market Access

The second step is to consider how you will pay for ongoing market access. Network clusters and aggregators typically charge a percentage of your book of business or a flat monthly fee. It’s important to understand how these fees will impact your agency’s bottom line and to factor that into your decision-making process. It’s also a good idea to negotiate with the network or aggregator to find a pricing structure that works for both parties.

Exit Clause

The third step is to negotiate an exit clause in case of a break-up. This will ensure that you have a clear plan in place should you decide to end your relationship with the network or aggregator. Having an exit clause in place will give you peace of mind knowing that you have a clear path forward should things not work out.

Support and Services

The fourth step is to check the level of support and services provided by the network or aggregator. This includes technology and training. It’s important to understand what kind of support and services the network or aggregator offers and how that aligns with your agency’s needs. Having access to the right technology and training can be critical to your agency’s success.


The fifth step is to evaluate the reputation of the network or aggregator. This includes looking at customer reviews, industry ratings, and overall reputation. It’s important to work with a network or aggregator that has a positive reputation in the industry as it can have a direct impact on your agency’s reputation as well.

Choosing the right insurance cluster or aggregator for your agency is an important decision that should not be taken lightly. By following the steps outlined in this guide, you’ll be able to evaluate your options and make an informed decision that’s right for your agency.

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