Smart Insurance

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.

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

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

• Independent insurance agency
• Personal insurance coverage
• Commercial business insurance
• Farm insurance products
• Multi-carrier insurance broker

Headquarters

HQ city

Abilene

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Others

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core 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

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core and minor.

• Trusted ChoicecoreStrategic or Co-development PartnerSmart 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 FundminorChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier represented by Smart Insurance for commercial customers.
• AcuityminorChannel Partner/ Reseller/ DistributorProperty and casualty insurance carrier represented by Smart Insurance.
• AIGminorChannel Partner/ Reseller/ DistributorLarge multinational insurance carrier represented by Smart Insurance for commercial and personal lines.
• AllstateminorChannel Partner/ Reseller/ DistributorMajor personal lines insurance carrier represented by Smart Insurance.
• American ModernminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier represented by Smart Insurance for niche products.
• ChubbminorChannel Partner/ Reseller/ DistributorHigh-end insurance carrier represented by Smart Insurance for affluent customers.
• CNAminorChannel Partner/ Reseller/ DistributorCommercial lines insurance carrier represented by Smart Insurance for business customers.
• Farmers AllianceminorChannel Partner/ Reseller/ DistributorRegional insurance carrier with focus on farm and agricultural insurance, represented by Smart Insurance.
• Foremost InsuranceminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier represented by Smart Insurance for manufactured housing and specialty products.
• NationwideminorChannel Partner/ Reseller/ DistributorMajor insurance carrier represented by Smart Insurance for commercial and personal lines.
• ProgressiveminorChannel Partner/ Reseller/ DistributorPersonal lines insurance carrier represented by Smart Insurance with competitive auto rates.
• SafecominorChannel Partner/ Reseller/ DistributorPersonal lines insurance carrier represented by Smart Insurance.
• TravelersminorChannel Partner/ Reseller/ DistributorCommercial and personal lines insurance carrier represented by Smart Insurance.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct 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

• Facebookfacebook.com/SmartInsurance
• Xx.com/smart_ins_ks

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Smart Insurance