Webber Insurance Agency

What Webber Insurance Agency does

Webber Insurance Agency is an independent insurance brokerage headquartered in Benzonia, Michigan, serving individuals and businesses across Northern Michigan's Benzie County region. Founded in 1986 by Sue Webber as the Larkin Agency of Benzie County and rebranded under its current name in 2000, the agency operates as a single-office firm with a team of approximately seven staff plus founder/owner Sue Webber. The firm represents 11 insurance carriers spanning both personal and commercial lines — including Progressive, Auto-Owners, Hagerty, Accident Fund, Frankenmuth, Bristol West, Foremost, JM Wilson, Michigan Insurance Company, Pioneer State Mutual, and West Bend — enabling multi-carrier placement for clients.

The product portfolio covers roughly 24 lines: personal (auto, home, life, health, motorcycle, boating, classic car, renters, RV, umbrella) and commercial (business liability, commercial auto, commercial property, workers compensation, contractors, cyber liability, D&O, farm and ranch, restaurant, liquor liability, landlord liability, auto dealers, group health). Pricing is quote-based, with carriers' premiums paid on recurring monthly, six-month, or annual cycles, and the agency earns commissions on policies placed and serviced. Go-to-market is consultative and sales-led, relying on personal referrals, a website quote-request funnel, community involvement, and an extensive educational resource center.

The business is privately held, founder-owned, and bootstrapped — no institutional investment, acquisitions, or geographic expansion are indicated. The underlying technology stack is limited to a standard FMG Suite agency website and conventional brokerage operations tooling, with no proprietary platform, mobile app, API, or disclosed AI/ML capabilities. Revenue is not publicly disclosed, and the agency's scale (2,500+ clients, sub-10 employees) places it firmly in the small independent brokerage segment.

Name

Webber Insurance Agency

Legal name

Webber Insurance Agency

Website

https://webberinsurance.us

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

1–10 employees

Short description

Webber Insurance Agency is an independent insurance brokerage in Benzonia, Michigan, serving 2,500+ personal and commercial clients across Northern Michigan through 11 carrier partnerships and a consultative, relationship-led sales model.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Independent Broker-Dealer / Registered Representative Networks (FSAEACAG)

akta.pro secondary industries

Standalone Umbrella Liability (FSAJANAE), Liquor Liability (FSAJADAH), Professional Liability (Errors & Omissions) (FSAJADAB), Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance lines
• Multi-carrier insurance brokerage
• Insurance risk management

Headquarters

HQ city

Benzonia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Webber Insurance Agency earns commissions from insurance carriers for policies placed. They represent multiple insurance companies and earn revenue by selling and servicing insurance policies to clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Webber Insurance Agency is an independent insurance brokerage that places personal and commercial insurance policies on behalf of clients through 11+ insurance carriers. It provides consultative policy placement, coverage reviews, and ongoing service for auto, home, life, business, and specialty lines. The agency earns commissions from carriers and offers 1-on-1 strategy meetings and 6-month policy check-ups to maintain long-term client relationships.

Product overview

Webber Insurance Agency is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency operates as a single unified service offering rather than a platform architecture, providing both personal lines (auto, home, life, health, motorcycle, boat, classic car, renters, RV, and umbrella insurance) and commercial lines (business liability, commercial auto, commercial property, workers compensation, contractors, cyber liability, directors and officers, farm and ranch, restaurant, liquor liability, landlord liability, auto dealers, and group health insurance). As an independent agency, they represent multiple insurance carriers including Accident Fund, Auto-Owners Insurance Group, Bristol West, Foremost Insurance Group, Hagerty, JM Wilson, Michigan Insurance Company, Pioneer State Mutual, Progressive, West Bend, and Frankenmuth to find optimal policies for client needs and budgets.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Named customers1 record

Segments3 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core.

• Accident FundcoreChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier represented by Webber Insurance Agency. Claims: 1 (866) 206-5851, Service: 1 (866) 206-5851.
• Auto-Owners Insurance GroupcoreChannel Partner/ Reseller/ DistributorMulti-line insurance carrier represented by Webber Insurance Agency. Claims: 1 (517) 323-1200, Service: 1 (517) 323-1200.
• Bristol WestcoreChannel Partner/ Reseller/ DistributorAuto insurance carrier represented by Webber Insurance Agency. Claims: 1 (800) 274-7865, Service: 1 (888) 888-0080.
• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Webber Insurance Agency, specializing in various coverage types. Claims: 1 (800) 527-3907, Service: 1 (800) 527-3905.
• FrankenmuthcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier represented by Webber Insurance Agency. Claims: (800)234-4433, Service: (989)652-6121.
• HagertycoreChannel Partner/ Reseller/ DistributorClassic car and collector vehicle insurance specialist represented by Webber Insurance Agency. Claims: 1 (800) 385-0274, Service: 1 (877) 922-9701.
• JM WilsoncoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Webber Insurance Agency. Claims: 1 (800) 666-5692, Service: 1 (800) 666-5692.
• Michigan Insurance CompanycoreChannel Partner/ Reseller/ DistributorMichigan-based insurance carrier represented by Webber Insurance Agency. Claims: 1 (888) 606-6426, Service: 1 (888) 606-6426.
• Pioneer State Mutual Insurance CompanycoreChannel Partner/ Reseller/ DistributorMichigan-based insurance carrier represented by Webber Insurance Agency. Claims and Service: See Website.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national auto insurance carrier represented by Webber Insurance Agency. Claims: 1 (800) 776-4737, Service: 1 (833) 616-5449.
• West BendcoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Webber Insurance Agency. Claims: 1 (877) 922-5246, Service: 1 (800) 236-5010.

Scale indicators4 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Acrisure: Tech-enabled global insurance brokerage aggregator with private equity backing. Same independent brokerage model scaled globally, including rollup acquisitions of small independent agencies like Webber.
• Allstate: Major US personal lines insurer with captive agents. Competes for the same auto, home, and life insurance customers that Webber serves in Northern Michigan.
• Brown & Brown: Large publicly traded insurance brokerage operating across personal and commercial lines through retail and wholesale distribution. Comparable as another independent insurance intermediary model at vastly larger scale.
• Hub International: Large North American insurance brokerage serving personal and commercial clients. Comparable independent brokerage model with regional offices and multi-carrier placement.
• Erie Insurance: Regional mutual insurance carrier operating exclusively through independent agents — the same distribution model Webber uses. Competes for the same personal lines customers in overlapping regional markets.
• State Farm: Largest US personal lines insurer with a captive agent model. Competes directly for auto, home, and life insurance customers in Webber's Michigan service area.
• Nationwide: Major US mutual insurer operating both captive and independent agent distribution. Competes for personal and commercial lines customers in Webber's geographic market.

Emerging players

• Root Insurance: DTC auto insurer using mobile telematics-based pricing. Direct competitive threat to independent agents in the auto insurance vertical, which is a core Webber product line.
• Hippo Insurance: Tech-enabled DTC home insurance platform competing for homeowners insurance customers. Represents the digital-native threat to traditional agents like Webber in the home insurance vertical.
• Lemonade: DTC insurtech platform offering renters, home, and auto insurance through a mobile-first digital channel. Competes for the same commoditized personal lines customers by bypassing traditional agents.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/WebberInsAgency
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Webber Insurance Agency