Jessie Insurance Agency

What Jessie Insurance Agency does

Jessie Insurance Agency is a family-owned independent insurance brokerage founded in 1972 by Kimble and Julie Jessie and headquartered in Campbellsville, Kentucky, with a secondary office in Lebanon, Kentucky. The agency distributes insurance products across three verticals — personal (auto, home, life, health), commercial (general liability, commercial property, workers' compensation, cyber liability, commercial umbrella, professional liability, employment practices liability, marine, commercial crime, surety bonds), and farm (farm property, livestock, equipment, liability) — to individuals, families, businesses, and agricultural operations in Kentucky.

The company operates a traditional independent agency model, earning commissions from 25+ insurance carriers including Progressive, Liberty Mutual, Travelers, Auto Owners, Cincinnati Insurance, Grange, Westfield, and Kentucky Growers, with strategic support from the Keystone national insurance network. The agency accesses carriers through direct distribution partnerships (channel/reseller relationships) rather than in-house underwriting or proprietary technology. Core technology is not disclosed; the agency relies on a website (jessieinsurance.com), a Facebook presence, and standard carrier-provided portals for quotes, claims, billing, and ID card services.

Revenue is generated exclusively through carrier commissions on placed and renewed policies — clients are not charged directly for agency services. Pricing is quote-based and varies by individual risk factors, coverage needs, and carrier. The go-to-market motion is relationship-driven, centered on phone-based and in-person sales from two Kentucky offices, with SMS/text as a supplementary channel. The agency's value proposition emphasizes local presence, 50+ years of community service, and the ability to shop coverage across multiple carriers on behalf of clients.

Name

Jessie Insurance Agency

Legal name

Jessie Insurance

Website

https://jessieinsurance.com

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

11–50 employees

Short description

Jessie Insurance Agency is a family-owned independent insurance brokerage founded in 1972 in Campbellsville, Kentucky. It distributes personal, commercial, and farm insurance products from 25+ carriers to Kentucky individuals, families, businesses, and agricultural operations earning carrier commissions.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Small Business BOP (Main Street) (FSAJAFAA)

Keywords

• Independent insurance agency
• Personal insurance
• Commercial insurance
• Farm insurance
• Insurance broker

Headquarters

HQ city

Campbellsville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Commission: Jessie Insurance operates as an independent insurance agency earning commissions from multiple insurance carriers. The agency does not charge clients directly for their services; instead, they receive compensation from insurance companies for policies placed and renewed. This commission-based model aligns the agency's interests with client retention and appropriate coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Jessie Insurance Agency is an independent insurance brokerage that places personal, commercial, and farm insurance policies on behalf of clients through more than 25 insurance carriers. The agency earns commissions from carriers rather than charging clients directly, and delivers coverage recommendations, quotes, and claims assistance through phone, text, in-person, and web channels. It serves individuals, families, small-to-mid-size businesses, and farms across Kentucky.

Product overview

Jessie Insurance Agency is an independent insurance agency offering a portfolio of insurance products organized into three main categories: Personal Insurance (Auto, Home, Health, and Life), Commercial Insurance (General Liability, Commercial Property, Worker's Compensation, Commercial Auto, Cyber Liability, Umbrella, Professional Liability, Employment Practices Liability, Marine Coverage, Commercial Crime, and Surety Bonds), and Farm Insurance (Property, Livestock, Equipment, and Liability). As an independent agency working with 25+ insurance carriers, the company serves individuals, families, farms, and businesses in Kentucky, comparing coverage options across multiple providers to help clients choose protection that fits their needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage that helps protect financially in the event of an accident, injury, or damage involving a vehicle, customizable based on driving habits, vehicle type, and priorities. Available to Kentucky individuals and families through partner carriers.
• Home Insurance Coverage that safeguards houses, personal belongings, and financial well-being against covered losses such as fire, storms, theft, and liability claims. Available to Kentucky homeowners through partner carriers.
• Health Insurance Coverage that helps cover medical costs including doctor visits, prescriptions, and hospital care, with options for individual, family, and employer-sponsored plans. Available to Kentucky individuals and families through partner carriers.
• Life Insurance Financial protection for loved ones covering expenses, replacing income, and addressing long-term financial needs in the event of passing, available in term and permanent life options. Available to Kentucky individuals and families through partner carriers.
• Commercial Insurance Personalized business protection including general liability, commercial property, workers' compensation, commercial auto, cyber liability, commercial umbrella, professional liability (E&O), employment practices liability, inland and ocean marine, commercial crime, and surety bonds. Tailored to Kentucky-based small and mid-size businesses by industry and risk exposure.
• Farm Insurance Specialized coverage for farms, equipment, livestock, and livelihoods, including farm property (dwellings, barns, outbuildings), livestock, farm equipment (tractors, machinery), and farm liability. Designed for small family farms and larger agricultural businesses in Kentucky.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core.

• KeystonecoreStrategic or Co-development PartnerJessie Insurance is supported by Keystone, a national insurance network that provides additional resources, market access, and professional support. This partnership enables the agency to better serve clients locally while maintaining personal service, offering access to more carriers and industry expertise.
• Auto Owners InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Auto Owners Insurance is one of the insurance providers available through Jessie Insurance, offering auto, home, and other personal lines coverage to clients.
• Cincinnati InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Cincinnati Insurance Companies provides commercial and personal insurance products through independent agents like Jessie Insurance.
• Grange InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Grange Insurance offers auto, home, and business insurance products available through Jessie Insurance agency.
• Kentucky Growers InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Kentucky Growers Insurance specializes in providing coverage options for Kentucky-based clients, available through Jessie Insurance.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Liberty Mutual offers a wide range of insurance products available through Jessie Insurance as part of their carrier network.
• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Progressive Insurance is available through Jessie Insurance, known for auto insurance and competitive rates.
• TravelerscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Travelers Insurance provides comprehensive commercial and personal insurance products available through Jessie Insurance.
• Westfield InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Westfield Insurance offers commercial and personal lines coverage available through Jessie Insurance agency.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Houchens Insurance Group: Mid-size Kentucky-based independent insurance agency offering personal, commercial, and farm lines across multiple locations. Directly comparable as a Kentucky-rooted independent agency with multi-line offerings and carrier breadth.
• The Hilb Group: Mid-size independent brokerage platform built largely through acquisitions of family-owned independent agencies. Directly comparable business model and consolidation playbook relevant to Jessie Insurance.
• Insurance Office of America (IOA): Independent insurance brokerage with personal, commercial, and specialty practices. Comparable as a non-captive multi-line agency/brokerage competing across similar customer segments.

Broad incumbents

• AssuredPartners: Large national insurance brokerage aggregator that has acquired hundreds of independent agencies. Comparable as a scaled player in the same independent agency channel, with consolidator viewpoint on agencies like Jessie Insurance.
• Hub International: Large global insurance brokerage with significant personal, commercial, and specialty practices. Comparable incumbent operating in the same brokerage channel with substantially broader scale.
• Arthur J. Gallagher & Co. One of the largest publicly traded insurance brokerages in the U.S. with broad personal, commercial, and specialty offerings. Comparable as a large incumbent in the same insurance brokerage industry.
• Lockton Companies: Largest privately held insurance brokerage globally, with strong commercial and personal lines practices. Comparable as a large-scale multi-line independent brokerage competitor.

Others

• Keystone Insurers Group: National insurance network that Jessie Insurance is affiliated with. Comparable as an enabling infrastructure partner that aggregates demand, carrier access, and back-office resources for member independent agencies.
• Cincinnati Financial (Cincinnati Insurance): Insurance carrier that distributes through independent agents like Jessie Insurance. Comparable as a carrier partner sitting on the other side of the same agency-carrier distribution relationship.
• Auto-Owners Insurance: Regional insurance carrier distributed through independent agents. Comparable as a carrier counterparty in the same agency distribution ecosystem serving personal and small commercial lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/jessieinsuranceagency

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Jessie Insurance Agency