James E Moore Insurance Agency

What James E Moore Insurance Agency does

James E. Moore Insurance Agency is a third-generation, family-owned independent insurance brokerage headquartered at 1508 Military Cutoff Road in Wilmington, North Carolina, founded in 1954 by James (Jimmy) and Ann Moore. The firm represents 20-40+ top-rated insurance carriers — including AIG, Chubb, Travelers, Liberty Mutual, Progressive, Nationwide, MetLife, Hartford, and others — and places personal, commercial, life, health, and specialty policies on behalf of customers in the Cape Fear Region, serving 8,000+ individuals, families, and small-to-medium businesses. Coverage spans auto, home, condo, umbrella, boating and flood; commercial lines including BOP, commercial auto and property, contractors, cyber liability, E&O, workers compensation, and employee benefits; plus specialty offerings such as wedding and special-events insurance, classic-car and collector-vehicle coverage, home-based-business and independent-contractor policies, pet health, and Cinch home warranty services. Pricing is fully quote-based and tailored to each customer's risk profile; the agency does not publish standardized rate cards.

The business operates on a commission-based revenue model: every policy sold and renewed generates carrier commissions, producing a recurring revenue stream with bundled-policy multipliers (home+auto, multi-line commercial). The GTM is sales-led and relationship-driven — community sponsorships (35+ years as chief sponsor of YWCA Cape Fear Women of Achievement), local media presence (WilmingtonBiz, WWAYTV3, Wilma, Wrightsville Beach Magazine), referrals, a website quote-request system, and the Small Business Series podcast. There is no proprietary technology platform; all product and servicing workflows run through traditional channels supported by the carriers' own portals. The agency holds third-party designations including Trusted Choice and ISU membership, and team members carry advanced credentials (CPCU, CLU, CIC, CISR, API, AINS, CLCS) with 175+ years of combined experience.

Ownership remains with the Moore family across three generations. Jim Moore led the agency as president from 1974 to 2020; Adrienne Moore, after joining in 2009, stepped into the CEO role in 2020 and now leads the firm alongside her father. The agency has 11-50 employees, no external institutional investors, no disclosed M&A history, and was named a 2025 Best Practices Agency by the Independent Insurance Agents & Brokers of America (Big 'I') and Reagan Consulting — one of only 348 recognized nationally.

Name

James E Moore Insurance Agency

Legal name

James E. Moore Insurance Agency, Inc.

Website

https://jamesemoore.com

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

11–50 employees

Short description

James E. Moore Insurance Agency is a third-generation, family-owned independent insurance brokerage in Wilmington, NC, representing 20-40+ top-rated carriers to serve 8,000+ individuals, families, and small-to-medium businesses across the Cape Fear Region with personal, commercial, and specialty insurance coverage.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Professional Liability (E&O) (FSAJAGAC)

akta.pro secondary industry

Network Security & Privacy Liability (Third-Party) (FSAJAOAE)

Keywords

• Personal insurance coverage
• Commercial business insurance
• Independent insurance agency
• Life and health insurance
• Property casualty insurance

Headquarters

HQ city

Wilmington

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, Infrastructure, Others

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, the company earns commissions from insurance carriers for policies placed. They represent over 20 top-rated insurance companies and earn commissions on each policy sold and renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

James E. Moore Insurance Agency is a third-generation, family-owned independent insurance agency that places personal, commercial, and life/health insurance policies on behalf of clients by comparing options from more than 20 top-rated insurance carriers. The agency researches each customer's risks, explains coverage options, customizes policy selections, and advocates during claims, serving more than 8,000 customers across the Cape Fear Region of North Carolina.

Product overview

James E. Moore Insurance Agency offers a comprehensive portfolio of insurance products and services through an independent agency model. The agency represents over 20 top-rated insurance carriers, providing personalized coverage across personal insurance (auto, home, condo, umbrella, boating, flood), commercial insurance (BOP, commercial auto, property, contractors, cyber liability, E&O, workers comp, employee benefits), life and health insurance, and specialty products (wedding, events, classic car, pet health, home-based business). The agency acts as a trusted independent intermediary, utilizing its access to multiple carriers to customize policies for individual client needs. Additional services include bond insurance and home warranty services through partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage meeting North Carolina legal requirements, including liability, collision, comprehensive, medical payments, emergency road service, and uninsured/underinsured motorist protection for individual drivers and families.
• Boating Insurance Specialized coverage for watercraft addressing liability risks that homeowners policies typically restrict based on boat size and horsepower, for individual boat owners.
• Flood Insurance Coverage for property damage through groundwater intrusion, flash flooding, and runoff, including FEMA National Flood Insurance via The Hartford and NC Beach Plan options, for coastal property owners.
• Home Insurance Property protection from fire, wind, theft and other losses, covering both dwelling and personal property with customization options for home businesses, collections, art, and jewelry, for homeowners.
• Condo Insurance Coverage for condo units from outside walls in, personal property, and liability protection, customizable based on association requirements, for condo owners.
• Umbrella Insurance Additional liability protection beyond existing policy limits, covering vehicle accidents, property damage, pet liability, and legal costs, portable for travel, for individuals seeking excess liability coverage.
• Business Owners Policy (BOP) Combined coverage for small and medium businesses including buildings, personal business property, business interruption, bodily injury liability, and property damage liability.
• Commercial Auto Insurance Vehicle coverage for business-owned or leased vehicles, employee-driven vehicles, and non-employee passengers for business activities.
• Commercial Property Insurance Business property coverage for repair or replacement after fire, theft, or misfortune, including optional business interruption coverage for lost income.
• Contractors Insurance Customizable commercial coverage for contractors including carpenters, plumbers, electricians, masons, handymen, landscapers, home builders, and artisans.
• Cyber Liability Insurance Protection against data breaches and cyber attacks including data compromise, legal costs, forensic services, identity recovery, and system restoration, for businesses handling sensitive data.
• Errors and Omissions (E&O) Insurance Professional liability coverage for service businesses against claims of negligent acts, errors, or omissions, covering employees and subcontractors.
• Group Health and Employee Benefits Insurance Employer-sponsored and self-employed health coverage including individual and group health plans with access to provider networks.
• Workers Compensation Insurance North Carolina coverage protecting employees and businesses from workplace injury costs including medical care, disability, and death benefits.
• Individual Life Insurance Life insurance products including term, whole, universal, and variable life policies for financial planning purposes, for individuals and families.
• Individual Health Insurance Affordable Care Act-compliant health coverage available during open enrollment, including individual and family plans.
• Wedding Insurance Coverage for wedding postponement, cancellation, vendor issues, and liability for accidents, including rehearsal dinner, gifts, photography, and jewelry.
• Special Events Insurance Liability protection for events up to 10,000 attendees, covering accidents not in general liability policies, often required by venues.
• Home-Based Business and Independent Contractor Insurance Annual coverage for independent contractors, freelancers, and home-based businesses requiring proof of insurance.
• Classic Car Insurance Specialized collector vehicle coverage with agreed-upon value payouts, authentic parts guarantees, and limited-use restrictions for antique, classic, exotic, muscle, and vintage cars.
• Pet Health Insurance Nationwide Pet Insurance offering medical, wellness, and emergency coverage with up to 90% reimbursement on eligible veterinary expenses.
• Home Warranty Services (Cinch) Cinch Home Services protection plans covering repair or replacement of major home appliances and systems including HVAC, plumbing, and electrical due to normal wear and tear.
• Bond Insurance Commercial surety bonds guaranteeing contract fulfillment, including principal, obligee, and surety roles for licensed contractor requirements.

Quantifiable outcome

• Serving more than 8,000 people in and around the Cape Fear Region

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor and core.

• VSP VisionminorChannel Partner/ Reseller/ DistributorVSP is a vision insurance provider. The agency offers VSP Vision coverage as part of their Life & Health insurance offerings, providing vision care plans to individual customers.
• Cinch Home ServicesminorChannel Partner/ Reseller/ DistributorCinch Home Services is a home warranty provider offering protection plans for major home appliances and systems. The agency recommends and offers Cinch home warranty services to customers as an add-on protection.
• YWCA Cape FearcoreGTM or Marketing PartnerChief sponsor of the annual YWACA Cape Fear Women of Achievement award banquet for over 35 years. Collaboration supports community at a level the agency alone could never achieve.
• ISU (Independent Insurance Agents Association)coreStrategic or Co-development PartnerAgency is an ISU member, an association of independent family-owned insurance agencies. Adrienne Moore serves on the ISU Steadfast AI Council.
• 40+ Insurance CarrierscoreChannel Partner/ Reseller/ DistributorAs an independent agency, they represent over 40 insurance carriers including AIG, American Modern, AmTrust, Blue Cross Blue Shield of NC, Builders Mutual, CHUBB, Cincinnati Insurance, Foremost, Hagerty, Hanover, Hartford, Liberty Mutual, Markel, MetLife, Nationwide, Progressive, Prudential, Travelers, and others to provide competitive pricing and choice.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Higginbotham Insurance: Large Texas-based independent insurance agency offering commercial, personal, and employee benefits coverage across multiple states. Comparable to JEM in independent agency model and broad carrier representation, but materially larger in scale and geographic reach.
• Brown & Brown Insurance: National insurance brokerage delivering retail and wholesale brokerage across P&C, employee benefits, and specialty lines. Comparable as a multi-carrier broker serving SMB and personal clients, but operates at substantially greater scale and public-company breadth.
• AssuredPartners: National insurance brokerage formed through roll-up of independent agencies, offering P&C, benefits, and specialty coverage. Comparable to JEM in representing multiple carriers for SMB clients, but at far greater scale and with PE-backed growth strategy.
• USI Insurance Services: Large national insurance brokerage serving mid-market and commercial clients with property/casualty, employee benefits, and specialty solutions. Comparable in brokerage model and carrier access, though oriented toward larger commercial accounts than JEM's SMB core.

Direct peers

• Leavitt Group: Network of independent insurance agencies providing personal, commercial, and benefits solutions across the western U.S. Closely mirrors JEM's independent agency model, multi-carrier access, and community-rooted go-to-market.
• Hylant Group: Independent insurance brokerage providing commercial, personal, and employee benefits coverage across the Midwest and beyond. Closely aligned with JEM in independent agency structure, multi-carrier access, and SMB-anchored GTM.
• Heffernan Insurance Brokers: Independent insurance brokerage headquartered in the San Francisco Bay Area serving commercial and personal lines clients. Comparable in independent agency model and SMB/commercial focus, but larger and California-based.
• The Buckner Company: Independent insurance agency offering commercial, personal, and benefits products with deep carrier relationships. Highly comparable to JEM in independent agency structure and SMB service orientation, though operating across multiple U.S. regions.

Regional players

• PayneWest Insurance: Regional independent insurance agency serving the Pacific Northwest with personal, commercial, and benefits products. Comparable to JEM as an independent agency anchored in a defined regional geography, but operating in a different part of the U.S.

Others

• Cincinnati Financial: Property and casualty insurance carrier whose products are placed through independent agents like JEM. Comparable through the carrier–independent agency distribution relationship that defines JEM's core go-to-market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/JamesEMooreIns
• LinkedInlinkedin.com/company/james-e-moore-insurance

Compliance3 records

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 James E Moore Insurance Agency