Smart Insurance
Smart Insurance is an independent multi-carrier insurance agency in Kansas, serving individuals, businesses, and farmers with personal, commercial, and farm insurance across three offices in Abilene, Salina, and Herington.
- Company typePrivate
- Founded1993
- HeadquartersAbilene, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Smart Insurance does
Smart Insurance is a privately-held independent insurance agency founded in 1993 and headquartered in Abilene, Kansas, with two additional offices in Salina and Herington. The firm operates as a multi-carrier broker, representing 17+ insurance companies across personal, commercial, farm, and specialty lines — including national carriers (AIG, Allstate, Chubb, Travelers, Progressive, Nationwide) and regional specialists (Farmers Alliance). Its product portfolio spans approximately 30 lines including auto, home, life, commercial auto, workers compensation, cyber liability, farm, crop hail, and wedding insurance.
The agency earns revenue exclusively through carrier commissions on policies placed and renewed, with no disclosed subscription, fee-for-service, or technology revenue. Customer acquisition is conducted through in-person office visits, phone consultations, and website quote request forms — a sales-led, relationship-driven GTM motion targeting individual consumers, business owners, and farmers/ranchers in Kansas. The agency maintains Trusted Choice network membership as its primary external affiliation. Technology is limited to a standard independent agency website and CMS with no proprietary platform, API, or app offerings.
The firm is led by President Kyle Becker and has a staff of 1-10 employees across its three locations. No external investment, acquisitions, parent company, or leadership transitions are disclosed in source material. The business model is structurally constrained by its single-state geography and small headcount, with no disclosed expansion into new states, digital channels, or technology-enabled service offerings.
Smart Insurance firmographics
Firmographics- Name
- Smart Insurance
- Legal name
- Smart Insurance
- Website
- https://smart-ins.com
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Smart Insurance is an independent multi-carrier insurance agency in Kansas, serving individuals, businesses, and farmers with personal, commercial, and farm insurance across three offices in Abilene, Salina, and Herington.
- Ownership category
- akta.pro rank
Smart Insurance industry classification
Industry- Product category
- Insurance Agency Services
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)
- akta.pro secondary industries
- Umbrella Insurance (FSAJAMAK), Universal Life (UL) Insurance (FSAIABAB)
Keywords
Where Smart Insurance is headquartered
LocationHeadquarters
- HQ city
- Abilene
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Smart Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Others
Revenue model
- Insurance Commission: Smart Insurance earns revenue through commissions from insurance carriers for policies sold and serviced. As an independent agency, they represent multiple insurance companies and receive compensation when customers purchase and renew policies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Individual insurance policies with rates based on risk profile |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Smart Insurance product offering
Product offeringCore offering
Smart Insurance is an independent insurance agency that sells personal, commercial, and farm insurance policies through multiple carrier partnerships. The agency provides auto, home, life, renters, boat, motorcycle, RV, umbrella, flood, and specialty personal lines, along with business, commercial auto, workers compensation, commercial property/liability, technology, restaurant, nonprofit, contractors, cyber liability, and bonds coverage, plus farm and crop insurance for Kansas customers.
Product overview
Smart Insurance is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency provides personal insurance products (auto, homeowner, life, renters, boat, motorcycle, condo, RV, landlord, flood, classic car, umbrella, earthquake, off-road vehicle, and wedding insurance), business/commercial insurance products (business, commercial auto, commercial liability, commercial property, commercial umbrella, workers compensation, technology, restaurant, nonprofit, contractors, cyber liability, inland marine, and bonds insurance), and farm insurance products. The portfolio spans individual and commercial lines with specialized coverage options tailored to specific industries and needs, all accessed through the agency's independent agent model that shops multiple insurance carriers to find optimal coverage and pricing for clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Coverage for vehicles including liability, collision, comprehensive, and medical coverage to protect against accidents, damage, and related expenses. Targeted at individual vehicle owners in Kansas.
- Homeowner Insurance Coverage for homes and personal property protecting against damage, loss, and liability risks associated with homeownership. Targeted at Kansas homeowners.
- Life Insurance Financial protection for families including term, whole, and universal life policies to provide for loved ones after death. Targeted at Kansas families and individuals.
- Renters Insurance Coverage for tenants protecting personal belongings against theft and damage, with optional full value coverage and liability protection. Targeted at Kansas renters.
- Boat Insurance Coverage for watercraft including agreed value, liability, medical payments, physical damage, and emergency assistance for boats and personal watercraft. Targeted at boat and personal watercraft owners.
- Motorcycle Insurance Coverage for motorcycles including liability, medical, custom parts, roadside assistance, and uninsured motorist protection. Targeted at Kansas motorcycle owners.
- Condo Insurance
Companies that use Smart Insurance
Customer profileSegments7 records
Ideal customer profiles3 records
Smart Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Smart Insurance partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- Trusted ChoicecoreSmart Insurance is a member of the Trusted Choice independent insurance agency network, which provides access to resources, training, and brand recognition as an independent insurance agency committed to serving customers.
- Accident FundminorWorkers compensation insurance carrier represented by Smart Insurance for commercial customers.
- AcuityminorProperty and casualty insurance carrier represented by Smart Insurance.
- AIGminorLarge multinational insurance carrier represented by Smart Insurance for commercial and personal lines.
- AllstateminorMajor personal lines insurance carrier represented by Smart Insurance.
- American ModernminorSpecialty insurance carrier represented by Smart Insurance for niche products.
- ChubbminorHigh-end insurance carrier represented by Smart Insurance for affluent customers.
- CNAminorCommercial lines insurance carrier represented by Smart Insurance for business customers.
- Farmers AllianceminorRegional insurance carrier with focus on farm and agricultural insurance, represented by Smart Insurance.
- Foremost InsuranceminorSpecialty insurance carrier represented by Smart Insurance for manufactured housing and specialty products.
- NationwideminorMajor insurance carrier represented by Smart Insurance for commercial and personal lines.
- ProgressiveminorPersonal lines insurance carrier represented by Smart Insurance with competitive auto rates.
- SafecominorPersonal lines insurance carrier represented by Smart Insurance.
- TravelersminorCommercial and personal lines insurance carrier represented by Smart Insurance.
Scale indicators2 records
Recent moves4 records
Expansion highlights3 records
Smart Insurance competitors and assessment
Company assessmentDirect peers
- Shelter Insurance: Midwest mutual insurance company using an independent agent distribution model across multiple personal and commercial lines, with strong rural market presence similar to Smart Insurance's Kansas footprint.
- COUNTRY Financial: Financial services and insurance provider focused on rural and small-town America across the Midwest, offering auto, home, life, and farm products through a local agent model directly comparable to Smart Insurance.
- Erie Insurance: Multi-line P&C and life insurer that distributes exclusively through independent agents, with a regional franchise model that mirrors Smart Insurance's local agency approach.
- Auto-Owners Insurance: Midwest-based P&C carrier that sells exclusively through independent agents, competing for the same agent relationships and customer base as Smart Insurance.
- Westfield Insurance: Ohio-based P&C insurer built on the independent agent distribution model, with a product portfolio overlapping Smart Insurance's personal, commercial, and farm lines.
- Farm Bureau Financial Group: Insurance and financial services provider affiliated with the Farm Bureau system, with strong rural and agricultural focus directly comparable to Smart Insurance's farm and crop insurance offerings.
Broad incumbents
- Cincinnati Financial: Large P&C insurer that distributes exclusively through independent agents, representing the broader carrier universe Smart Insurance works with — relevant as both a partner and competitive benchmark.
- Acrisure: Large insurance brokerage that has aggressively acquired small independent agencies like Smart Insurance across the U.S., representing both a potential acquirer and a comparable brokerage operating model.
- Brown & Brown Insurance: National insurance brokerage and one of the largest acquirers of independent agencies, providing a scaled-up version of the same distribution and commission-based business model.
- Hub International: Global insurance brokerage that has rolled up hundreds of independent agencies across North America, comparable to Smart Insurance as both a scaled peer and a likely strategic acquirer.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Smart Insurance social profiles
Digital presenceSmart Insurance compliance and trust
Trust signalCompliance1 record
Smart Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Smart Insurance leadership team
Management profileNumber of profiles
Profiles7 records
Smart Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Smart Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Smart Insurance
What does Smart Insurance do?
Smart Insurance is an independent insurance agency that sells personal, commercial, and farm insurance policies through multiple carrier partnerships. The agency provides auto, home, life, renters, boat, motorcycle, RV, umbrella, flood, and specialty personal lines, along with business, commercial auto, workers compensation, commercial property/liability, technology, restaurant, nonprofit, contractors, cyber liability, and bonds coverage, plus farm and crop insurance for Kansas customers.
Is Smart Insurance a public or private company?
Smart Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Smart Insurance founded?
Smart Insurance was founded in 1993. It employs 1 to 10 people.
Where is Smart Insurance based?
Smart Insurance is headquartered in Abilene, United States, in the North America region.
How does Smart Insurance make money?
One revenue line is on record: insurance Commission.
Who are Smart Insurance's main competitors?
Direct peers on record are Shelter Insurance, COUNTRY Financial, Erie Insurance, Auto-Owners Insurance, Westfield Insurance and Farm Bureau Financial Group. Broad incumbents are Cincinnati Financial, Acrisure, Brown & Brown Insurance and Hub International.
Does Smart Insurance have an API?
No public API is recorded for Smart Insurance.
What industry is Smart Insurance in?
Smart Insurance's product category is Insurance Agency Services. Its primary akta.pro industry code is FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive), with a secondary code of FSAJAMAK, Umbrella Insurance. Its NAICS code is 524210 and its SIC code is 6411.