United Insurance
United Insurance is a privately held independent insurance agency, founded in 1868 and operating 18 offices across Maine, New Hampshire, and Massachusetts. It serves 6,500+ commercial clients and 25,000+ individuals with personal, commercial, employee benefits, and financial services products via multiple carrier relationships.
- Company typePrivate
- Founded1868
- HeadquartersPortland, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What United Insurance does
United Insurance is a privately held independent insurance agency headquartered at 470 Forest Avenue in Portland, Maine, operating 18 offices across Maine, New Hampshire, and Massachusetts. Founded in 1868 as the H.O. Perry Agency in Aroostook County, the firm has operated continuously for 156+ years through four generations of family leadership and currently employs more than 150 insurance professionals serving approximately 6,500 commercial clients and 25,000 individuals and families. The agency generates revenue through commissions paid by multiple insurance carriers on both new business and renewals, with no standardized public pricing because premiums are determined by individual risk assessment and carrier-specific underwriting. United Insurance self-identifies as the fastest-growing independent insurance agency in Maine and operates with the explicit positioning of a local, relationship-driven alternative to national captive agencies and 1-800 call centers.
The product portfolio spans three primary lines: Personal Insurance (auto, home, umbrella, renters/condo, flood, and life), Business Insurance (commercial auto, commercial property, executive liability, general liability, professional liability, and workers' compensation), and Employee Benefits (health insurance with fully-insured, self-funded, captive, and level-funded funding options, plus dental/vision, life/disability, supplemental, and reimbursement accounts). In April 2025 the company acquired Barresi Financial, adding financial planning, retirement, and wealth management services under a wholly-owned subsidiary. Underlying technology is limited to a client portal (MyUnited), online quote request forms, and carrier system integrations — there is no disclosed proprietary technology, AI/ML capability, or API platform.
Distribution is built around 18 physical offices (Portland HQ plus Presque Isle, Bangor, Livermore Falls, Sangerville, Newburyport MA, Fort Kent, Brewer, Van Buren, Fort Fairfield, Rumford, Pittsfield, Farmington, Rochester NH, Madawaska, Caribou, Augusta, and Auburn), inside phone sales through 1-800-734-2333 with 24/7 live claim support, and a self-serve online quote channel. The go-to-market emphasizes dedicated local account executives, annual coverage reviews, gap analysis, and risk management counsel for specialized verticals including construction, transportation/trucking, agriculture/farming, logging, healthcare, and small business. Leadership is led by President & CEO Zack Frechette (effective January 1, 2021, fourth-generation), COO Deborah Wentworth (30+ years industry experience, CPCU/AAI/MLIS), CFO Tammy Volock (joined 2024), and HR Director Ann Foley. Recent acquisition activity (O'Hearn 2014, Shiretown 2015, Kimball Korp March 2025, Barresi Financial April 2025) signals an ongoing consolidation strategy within northern New England.
United Insurance firmographics
Firmographics- Name
- United Insurance
- Legal name
- United Insurance
- Website
- https://unitedinsurance.net
- Company type
- Private
- Founded year
- 1868
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- United Insurance is a privately held independent insurance agency, founded in 1868 and operating 18 offices across Maine, New Hampshire, and Massachusetts. It serves 6,500+ commercial clients and 25,000+ individuals with personal, commercial, employee benefits, and financial services products via multiple carrier relationships.
- Ownership category
- akta.pro rank
United Insurance industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
Keywords
Where United Insurance is headquartered
LocationHeadquarters
- HQ city
- Portland
- HQ country
- United States
- HQ region
- North America
Offices18 records
Markets served
United 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
Revenue model
- Insurance Commissions: United Insurance generates revenue primarily through commissions paid by insurance carriers for placing policies with clients. As an independent agency, they represent multiple insurance companies and earn commissions on both new business and renewals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Quote-based pricing tailored to individual risk profiles |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
United Insurance product offering
Product offeringCore offering
United Insurance is an independent insurance agency offering personal insurance (auto, home, umbrella, renters/condo, flood, life), business insurance (commercial auto, commercial property, executive liability, general liability, professional liability, workers' compensation), and employee benefits (health, dental/vision, life/disability, supplemental, reimbursement accounts). The company places coverage through multiple carrier relationships across 18 offices in Maine, New Hampshire, and Massachusetts, and earns commissions on both new business and renewals.
Product overview
United Insurance is an independent insurance agency operating since 1868 with 18 offices across Maine, New Hampshire, and Massachusetts. The company offers a comprehensive insurance portfolio organized into three main product lines: Personal Insurance (auto, home, umbrella, renters/condo, flood, and life insurance), Business Insurance (commercial auto, commercial property, executive liability, general liability, professional liability, and workers' compensation), and Employee Benefits (health insurance with multiple funding options, dental/vision, life/disability, supplemental, and reimbursement accounts). The agency also provides Financial Services through Barresi Financial partnership. United Insurance differentiates itself as an independent agency working with multiple carriers to craft customized coverage solutions. Additional offerings include the MyUnited client portal for 24/7 account access and community programs like WinterKids Downhill24 sponsorship. The company serves diverse industries including construction, farming, manufacturing, real estate, logging, transportation, and small business sectors.
Differentiator
Problem solved
Functional benefit
Brands
- MyUnited: Client portal for United Insurance policyholders
Products and services
- Personal Insurance Insurance coverage for individuals and families including auto, home, umbrella, renters/condo, flood, and life insurance. United Insurance operates as an independent agency working with multiple carriers to provide personalized policies.
- Business Insurance Commercial insurance products including commercial auto, commercial property, executive liability, general liability, professional liability, and workers' compensation. Tailored coverage solutions for businesses across various industries.
- Employee Benefits Group benefit packages including health insurance (fully-insured, self-insured, captive, and level-funded options), dental/vision, life/disability, supplemental insurance, and reimbursement accounts.
- Financial Services Financial planning and advisory services offered through Barresi Financial, including investment services, retirement planning, and wealth management.
- MyUnited Client Portal Online client portal for policy management, claims filing, and account access available 24/7.
Quantifiable outcome
- Serving 6,500+ commercial clients and 25,000+ individuals and families
Companies that use United Insurance
Customer profileNamed customers6 records
Segments7 records
Ideal customer profiles3 records
United Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
United Insurance partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core, major and minor.
- WinterKidscoreUnited Insurance has been a long-standing supporter of WinterKids, participating in the WinterKids Downhill24 event for multiple years. In 2026, their Fast & Flurries team raised $35,911, surpassing their $30,000 goal and earning 2nd place overall. United Insurance has been a Platinum Sponsor at the $2,500+ level.
- Make-A-Wish MainecoreSupporting the 'Share a Power of a Wish' campaign to grant wishes for children battling critical illnesses. Make-A-Wish Maine serves children in all 16 Maine counties and grants approximately one wish every five days.
- Boys & Girls Clubs of Southern MainecoreOne of four core organizations partnered with for philanthropic focus on youth development. United Insurance participates in Maine's oldest road race, the Patriots Day 5k, helping raise over $30,000 for the organization.
- Junior Achievement of MainecoreFounded in 1965, Junior Achievement of Maine provides young people with knowledge and skills to own their success. Many United Insurance employees volunteer in classrooms supporting JA's programs.
- MEMICcoreMEMIC (Maine Employers' Mutual Insurance Company) is a workers' compensation insurance carrier. United Insurance is a Platinum sponsor for WinterKids ($2,500+) and partners with MEMIC for workers' compensation coverage, as demonstrated in case studies like SKILLS organization.
- Vermont Mutual Insurance GroupcorePlatinum sponsor for WinterKids Downhill24 ($2,500+). Vermont Mutual Insurance Group is a regional insurance carrier partner.
- MAPFRE InsurancemajorGold sponsor for WinterKids Downhill24 ($1,000 level). MAPFRE Insurance is a carrier partner for United Insurance.
- MMG InsurancemajorGold sponsor for WinterKids Downhill24 ($1,000 level). MMG Insurance is a Maine-based insurance carrier partner.
- Rain & Hail LLC (Chubb Company)coreRain & Hail LLC is the largest crop insurer in the nation, a Chubb Company. United Insurance has access to Rain & Hail for providing Crop Insurance to Maine farmers, and is one of the few companies in Maine that specializes in writing Crop Insurance.
- The Hanover Insurance GroupmajorBronze sponsor for WinterKids Downhill24 ($500 level). The Hanover Insurance Group is a national property and casualty insurance company.
- Patrons Oxford InsurancemajorGold sponsor for WinterKids Downhill24 ($1,000 level). Patrons Oxford Insurance is a carrier partner.
- SentryminorBronze sponsor for WinterKids Downhill24 ($500 level). Sentry is an insurance carrier.
- Acadia InsuranceminorAcadia Insurance participated in the WinterKids Downhill24 team with Underwriting Director Tim Bath representing the company.
- The Andover CompaniesminorThe Andover Companies participated in WinterKids Downhill24 with Director of Field Marketing Peter Dube representing the company.
Scale indicators5 records
Recent moves8 records
Expansion highlights6 records
United Insurance competitors and assessment
Company assessmentDirect peers
- Cross Insurance: Maine-based independent insurance agency offering personal, commercial, and employee benefits coverage through multiple carrier partnerships across New England. Most direct comparable in geography, model, and product mix to United Insurance.
- Clark Insurance (Maine Marketing Associates): Long-standing Maine-based independent agency that merged into the Maine Marketing Associates (MMA) platform; offers P&C, benefits, and personal lines via carrier partnerships and serves overlapping SMB markets in New England. Highly comparable in scale and client profile.
- Allen Insurance and Financial: Independent Maine-based insurance and financial services agency serving individuals, businesses, and farms. Comparable in regional focus, multi-carrier model, and combination of insurance with financial advisory services (similar to Barresi Financial).
- Roper Insurance & Financial Services: Independent insurance and financial services agency with offices in Maine and New Hampshire; offers personal, commercial, and employee benefits products similar to United Insurance's core book.
- The Rowley Agency: Independent insurance agency serving individuals and businesses across Maine and New Hampshire with multi-carrier access, closely mirroring United Insurance's distribution and product approach.
Regional players
- Acadia Insurance: Regional P&C carrier and partner carrier to United Insurance; competes for the same New England SMB accounts but from the underwriting side rather than the agency side.
- MMG Insurance: Maine-based regional insurance carrier and channel partner to United Insurance; serves overlapping New England SMB and personal lines customers from the carrier perspective.
- MEMIC: Maine Employers' Mutual Insurance Company — workers' compensation carrier partner to United Insurance and a regional specialty carrier in the same New England market.
Broad incumbents
- The Hanover Insurance Group: National P&C insurance carrier that partners with United Insurance and competes broadly across small commercial and personal lines; offers both direct and agency distribution at much larger scale.
- Liberty Mutual Insurance: National P&C carrier offering personal, commercial, and specialty coverages through its own agency and direct channels; overlaps with United Insurance across many product lines and competes for the same SMB and individual customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
United Insurance social profiles
Digital presenceUnited Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
United Insurance leadership team
Management profileNumber of profiles
Profiles4 records
United Insurance subsidiaries and ownership
Company hierarchySubsidiaries1 record
United Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
United Insurance M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about United Insurance
What does United Insurance do?
United Insurance is an independent insurance agency offering personal insurance (auto, home, umbrella, renters/condo, flood, life), business insurance (commercial auto, commercial property, executive liability, general liability, professional liability, workers' compensation), and employee benefits (health, dental/vision, life/disability, supplemental, reimbursement accounts). The company places coverage through multiple carrier relationships across 18 offices in Maine, New Hampshire, and Massachusetts, and earns commissions on both new business and renewals.
Is United Insurance a public or private company?
United Insurance is a private company. It is classified as management employee owned and is currently operating.
When was United Insurance founded?
United Insurance was founded in 1868. It employs 101 to 250 people.
Where is United Insurance based?
United Insurance is headquartered in Portland, United States, in the North America region.
How does United Insurance make money?
One revenue line is on record: insurance Commissions.
Who are United Insurance's main competitors?
Direct peers on record are Cross Insurance, Clark Insurance (Maine Marketing Associates), Allen Insurance and Financial, Roper Insurance & Financial Services and The Rowley Agency. Regional players are Acadia Insurance, MMG Insurance and MEMIC. Broad incumbents are The Hanover Insurance Group and Liberty Mutual Insurance.
Does United Insurance have an API?
No public API is recorded for United Insurance.
What industry is United Insurance in?
United Insurance's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524210 and its SIC code is 6411.