An agency group is a business arrangement in which independent insurance agencies band together for mutual beneﬁt. By combining premium, members gain the scale and advantages that are usually only available to the largest agencies. Typically, these advantages include increased market access and enhanced proﬁt sharing, but some groups provide many other additional beneﬁts and services. An agency group can be as small as a handful of agencies or as large as a network of several thousand members.