PIA

What would you do with access to dozens of premier insurance markets that can meet your client’s needs?

PIA (Professional Insurance Associates, Inc.) is a family-owned business serving agents since 1958. We were one of the first agencies to offer market access to other agencies and today maintain relationships with more than 60 regional and national insurance companies.

We are not an aggregator; that means you keep your client list, agency and business name. There are no broker fees and we have a low startup cost of only $250. When you join PIA, we help you offer your clients the best products and policies available to independent agencies — from personal lines to commercial accounts.

Overview of the PIA Program

PIA provides independent agents with broad market access, scale and underwriting leverage you typically only see at larger agencies. Our long-standing relationships with carrier executives — both regional and national — increase competition and improve placement options for your clients. We offer tiered agency levels (Tier 1, Platinum, Elite, VIP, Premier) which unlock deeper market access and specialized products.

Ideal Accounts and Appetite

• Small and mid-sized commercial accounts — general liability, commercial auto, BOP and small commercial packages.
• Commercial specialty and middle-market exposures that need specialized underwriting or broader market options.
• Workers’ compensation across varied classes, including harder-to-place segments.
• Personal lines — preferred and non-standard auto plus preferred homeowners.

Accounts that typically fit: business owners, contractors, transportation fleets, retail and service businesses, and personal lines clients who need multiple market options for competitive pricing or unique coverage forms.

Coverage Highlights and Advantages

• Wide carrier access: Commercial Auto (23+ carriers), Small Commercial (24+), Commercial Specialty (17+), Personal Lines homeowners (22+), Personal Lines preferred auto (14+), Personal Lines non-standard auto (18+), Middle Market (15+), Workers Compensation (31+).
• Tiered placement advantage — higher agency tiers gain access to markets and products not always available to smaller agencies.
• Training and support — personal lines agents can receive commercial-lines training to expand their capabilities and win new account types.
• No broker fees and a low startup cost to join; you retain your agency identity and client relationships.

Underwriting Notes

PIA’s access spans admitted and non-admitted markets; admitted status varies by carrier and state (Some Available States). Appetite and specific eligibility depend on line of business and underwriting guidelines per carrier. For new submissions, expect standard underwriting requirements: loss runs, application(s), and relevant exposure information.

If you have complex or mid-market accounts, PIA’s relationships with specialty underwriters can help place harder-to-place risks. For exact minimum premiums or program-specific thresholds, please request the program underwriting guidelines for the line and state you’re quoting.

Territories and Availability

PIA’s storefront lists availability in CA, NV and WA; additional markets and admitted/non-admitted capacity are offered in other states on a carrier-by-carrier basis. Admitted options are available in some states; non-admitted or surplus lines may be used where appropriate and permitted.

Why Work With Professional Insurance Associates, Inc.?

• Established, family-owned wholesaler with decades of market relationships and institutional knowledge.
• Breadth of markets — useful when you need multiple carrier options to secure competitive pricing or broaden coverage forms.
• Agency-first approach — you keep your agency identity and client list, with no broker fees and an easy onboarding cost.
• Training and support to grow your commercial lines business if your agency currently focuses on personal lines.

Example scenarios that fit PIA

• You have a mid-sized contractor with mixed exposures and prior losses who needs access to multiple carriers to find acceptable pricing and terms — PIA’s commercial and specialty partners can help.
• A personal-lines client needs non-standard auto coverage plus homeowners; PIA provides multiple carrier options to compare rates and underwriting criteria.

To learn more about PIA or how to become a member, give us a call. We are here to support you and your clients.