These agents wrote a business plan and method of operation by which agencies would maintain their independence while funneling combined premiums to bring larger volume commitments to the insurance carriers. The group shared this plan with major insurance companies who agreed to it. On October 1, 1997, Combined Agents of America, LLC or CAA was established.

After a great deal of due diligence, CAA, with the help of legal counsel put together an Operating Agreement, Regulation Guidelines, and elected officers. The licensing requirements were met, and CAA began to recruit new members and market the newly founded entity. Strict underwriting requirements have been established for prospective members of CAA. This includes financial and profitable loss ratio analysis. One requirement for membership is that a prospective member be a leader in their respective market.  CAA continues its decade-long trend of record growth from its eight founding members to 47 members, and to write more than $437 million in combined property and casualty premiums in 2010.

Not only is CAA the leading independent agent with many of the top-rated insurance companies in Texas, Oklahoma and Kansas, it is also one of the fastest growing.  CAA has gone to great lengths to strengthen and enhance its relationship with insurance companies and its clients. All of this is accomplished while maintaining independence, and growing their agency's bottom line.

And to think, this is just the beginning.