Mountain West Insurance & Financial Services

What Mountain West Insurance & Financial Services does

Mountain West Insurance & Financial Services, LLC is an independent insurance agency founded in 1998 and headquartered in Craig, Colorado, operating 22 physical offices across Colorado and New Mexico and serving clients in 49 U.S. states. The company functions as a multi-carrier distribution platform, representing 45+ insurance partners including Allstate, Auto Owners, Progressive, Liberty Mutual, Nationwide, Travelers, Chubb, The Hartford, Aetna, Anthem BCBS, Cigna, United Healthcare, Delta Dental, and Principal Financial. Its product portfolio spans personal lines (auto, home, watercraft, classic car, umbrella, flood, renters, motorcycle, RV, yacht), commercial lines (general liability, commercial property, business auto, workers' compensation, cyber liability, D&O, E&O, surety bonds), industry-specific coverage (farm, crop, HOA, ranch, oil and gas, transportation, aviation, contractor, restaurant, school, municipality), employee benefits (group health, dental, vision, disability, 401(k)), and financial services (individual life, health, IRA, long-term care, annuities).

The agency earns revenue primarily through commissions paid by carrier partners on policies placed and renewed — a recurring-revenue model tied to premium volume, with no direct fees charged to clients for advisory services. Distribution is sales-led through licensed insurance agents at the 22 physical offices, supplemented by online instant-quote tools for personal lines (auto, home, condo/HOA, watercraft, umbrella), a toll-free contact center, email intake, and an interactive educational content platform. The technology stack is intentionally lean: the company has no proprietary core technology, no APIs, no integrations, and no in-house AI/ML capability; it licenses third-party tools such as Clickable Coverage® (a trademark of FMG Suite / Agency Revolution) for customer education. Growth to date has been entirely organic — funded without venture capital or private equity — relying on incremental office openings and informal alignment with other independent agencies rather than M&A.

The business model is the classic independent-agency model: commission overrides from carriers rather than risk-bearing, distribution breadth across multiple carriers rather than captive alignment, and personalized agent-led advisory as the primary value proposition. Revenue diversification across personal, commercial, benefits, and financial-services lines, combined with the 45+ carrier portfolio, creates portfolio-level resilience but also caps unit economics relative to national brokerage platforms or direct-to-consumer insurtechs.

Name

Mountain West Insurance & Financial Services

Legal name

Mountain West Insurance & Financial Services, LLC

Website

https://mtnwst.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Mountain West Insurance & Financial Services is an independent insurance agency selling personal, commercial, and specialty insurance across 49 states from 22 offices in Colorado and New Mexico, earning commission revenue from 45+ carrier partnerships.

Ownership category

akta.pro rank

Headquarters

HQ city

Craig

HQ country

United States

HQ region

North America

Offices19 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Mountain West Insurance & Financial Services operates as an independent insurance agency, earning revenue through commissions paid by insurance carrier partners on policies sold and renewed. The agency does not charge clients direct fees for advisory services; revenue is derived from carrier commission overrides based on premium volume placed.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Mountain West Insurance & Financial Services is an independent insurance agency that places personal, commercial, employee-benefit, and financial-services insurance products on behalf of clients across 49 states, working with 49+ carrier partners. The agency earns revenue from carrier commissions on policies sold and renewed, while providing licensed-agent advisory, in-house claims advocacy, and ongoing policy review through 22 offices in Colorado and New Mexico.

Product overview

Mountain West Insurance & Financial Services is an independent insurance agency offering a comprehensive portfolio of insurance and financial products across personal insurance, business insurance, employee benefits, and financial services. The agency operates as a network of 22 offices across Colorado and New Mexico, serving 49 states. Products span personal lines (auto, home, watercraft, classic car, umbrella), commercial coverage (general liability, workers' comp, commercial property, business auto), industry-specific policies (farm, crop, HOA, restaurant, contractor), employee benefits (group health/dental/vision, disability, 401k), and financial services (individual life, health, retirement, long-term care). As an independent agency, they represent multiple insurance carriers including Allstate and Auto Owners to provide clients with options tailored to their specific needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage protecting vehicle owners from financial losses due to accidents, theft, or damage, including bodily injury liability, property damage, medical payments, and uninsured/underinsured motorist coverage. For individual consumers.
• Home Insurance Coverage protecting homeowners from losses due to fire, water damage, theft, and liability, including replacement cost coverage, personal property protection, and additional living expenses. For individual homeowners.
• Umbrella Insurance Excess liability coverage providing additional protection beyond auto, home, or watercraft policy limits when claims exceed primary coverage amounts. For individuals and families.
• Watercraft Insurance Coverage for boats and watercraft protecting against physical damage, liability, theft, and specialized risks including towing, pollution liability, and hurricane haul-out. For boat owners.
• Classic Car Insurance Specialty coverage for collector and classic vehicles with agreed-upon value payouts, authentic parts coverage, and limited-use restrictions tailored to show and exhibition vehicles. For collectors.
• Condo Insurance Coverage for condominium owners protecting personal belongings, interior structure, and providing liability protection within the condo unit. For condo owners.
• Flood Insurance Separate policy coverage for flood damage to home and contents, available through the National Flood Insurance Program (NFIP) or write-your-own carriers. For homeowners in flood-exposed areas.
• Renters Insurance Coverage protecting renters' personal belongings and providing liability protection for accidents occurring within the rental property. For tenants.
• Motorcycle Insurance Specialized coverage for motorcycles protecting against accidents, theft, and liability, with options tailored to different types of motorcycles and riding habits. For motorcycle owners.
• RV Insurance Coverage for recreational vehicles including motorhomes, travel trailers, and camper vans, protecting against physical damage and liability while on the road or parked. For RV owners.
• Yacht Insurance Specialized coverage for yachts and larger watercraft with agreed value coverage, protection and indemnity (P&I) coverage, and coverage for personal belongings aboard. For yacht owners.
• SR-22 Insurance Certificate of financial responsibility filing for high-risk drivers required by state motor vehicle departments to prove minimum liability coverage. For high-risk drivers.
• Business Auto Insurance Coverage for commercial vehicles including higher liability limits than personal auto, collision coverage, and non-owned auto liability protection for employees using personal vehicles for business. For businesses with vehicle fleets or employee driving exposure.
• Commercial Property Insurance Protection for business buildings, equipment, and contents against damage, loss, and theft, including coverage for associated losses like lost income during temporary business interruption. For business property owners.
• General Liability Insurance Coverage protecting businesses from bodily injury claims to people outside the business and physical damage to others' property, including advertising injury and medical payments. For businesses of all sizes.
• Workers' Compensation Insurance Coverage required in most jurisdictions protecting employees from work-related accidents and illnesses, covering medical bills, care costs, lost wages, and funeral costs in worst-case scenarios. For employers with W-2 employees.
• Commercial Umbrella Insurance Excess liability coverage providing additional protection when business liability claims exceed primary policy limits, extending coverage over general liability, auto liability, and employers liability. For businesses seeking additional liability protection.
• Cyber Liability Insurance Coverage protecting businesses from losses due to data breaches, cyber attacks, and digital asset exposure, including notification costs and liability claims. For businesses holding sensitive data or relying on digital systems.
• Environmental Insurance Coverage protecting businesses from pollution-related liability including bodily injury, property damage, and cleanup costs from environmental incidents. For businesses with pollution or environmental exposure.
• Ocean Marine Insurance Coverage for cargo, vessels, and maritime operations protecting against losses during transport by sea including hull coverage and cargo insurance. For businesses with maritime operations.
• Inland Marine Insurance Coverage for goods and equipment in transit over land, including contractors' equipment, installation floaters, and Bailees customers' property. For contractors, transporters, and businesses with movable equipment.
• Directors and Officers Liability Insurance Coverage protecting board members and executives from personal losses due to alleged acts of wrongdoing in their organizational capacity. For corporations, nonprofits, and HOAs with boards.
• Errors and Omissions Liability Insurance Professional liability coverage protecting businesses from claims due to inadequate work, negligent actions, or failure to deliver promised services. For professional services firms and consultants.
• Crime Insurance Coverage protecting businesses from losses due to criminal acts including employee dishonesty, theft, robbery, and forgery. For businesses concerned with employee theft and robbery exposure.
• Surety Bond Three-party agreement guaranteeing contract performance, payment fulfillment, or compliance with licensing requirements for construction and professional services. For contractors and licensed professionals.
• Builders Risk Insurance Coverage for buildings under construction or renovation protecting against damage to the structure, materials, and equipment during the building process. For contractors and developers.
• Event Insurance Coverage for special events including liability protection, property coverage for rented venues, and cancellation coverage for unexpected circumstances. For event organizers and hosts.
• Business Interruption Insurance Coverage compensating businesses for lost income and operating expenses when operations are suspended due to covered events like fire or natural disaster. For businesses needing continuity coverage.
• Farm Insurance Combined personal and business coverage for farms protecting property against fire, flooding, natural disasters, and theft, with specialized coverage for livestock, crops, equipment breakdown, and environmental pollution. For farm and ranch operations.
• Crop Insurance Coverage protecting agricultural producers from crop loss due to natural disasters or revenue decline, including multiple-peril crop insurance (MPCI) and crop-hail insurance. For crop producers and agribusiness.
• Homeowners Association Insurance Master policy coverage for HOAs protecting against property damage, liability claims, and including directors and officers (D&O) liability, crime insurance, and workers' compensation for employees. For homeowners associations and community associations.
• Group Health Insurance Employer-sponsored health coverage pooling employee risk for medical expenses, with plans covering employees only or including dependents, available to small, mid-size, and large employers. For employers offering health benefits.
• Group Dental Insurance Coverage encouraging regular dental care including diagnostic, preventative, and corrective services such as cleanings, exams, X-rays, fillings, root canals, and orthodontia for children. For employers offering dental benefits.
• Group Vision Insurance Affordable coverage for eye exams, frames, lenses, contact lenses, and safety glasses, serving as an early intervention tool for detecting underlying medical conditions. For employers offering vision benefits.
• Disability Insurance Short-term and long-term disability coverage protecting employees' income during pregnancy, illness, or disability, providing financial stability when paychecks stop. For employers and individuals.
• 401(k) Retirement Plan Retirement savings plan administration helping employers offer retirement benefits as part of comprehensive employee benefits packages. For employers offering retirement benefits.
• Individual Life Insurance Coverage providing financial protection for beneficiaries including term life policies for specific periods and whole/universal life insurance covering the insured for their lifetime. For individuals seeking life insurance protection.
• Individual Health Insurance Health coverage for individuals not receiving employer-sponsored insurance or self-employed persons, with flexibility in premium costs, deductibles, copayments, and coverage options. For individuals and self-employed persons.
• Individual Retirement Account Tax-advantaged retirement savings accounts helping individuals save for retirement with potential tax deductions on contributions and tax-deferred growth. For individuals planning retirement savings.
• Individual Long-Term Care Insurance Coverage protecting against costs associated with extended-care expenses such as nursing home care, assisted living, and in-home care services. For individuals planning for extended care needs.
• Claims Advocate Services Claims advocacy support providing proactive claims management, carrier liaison in complex cases, and guidance through the claims process from reporting to closure. For clients filing or managing an insurance claim.
• Policy Review Services Comprehensive review of existing coverage comparing policy with current needs, examining home changes, vehicle additions, life events, business structure, and liability exposure. For existing clients at renewal or after major life or business changes.

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

44 partnerships are on record, tiered core and supporting.

• AllstatecoreChannel Partner/ Reseller/ DistributorAllstate is one of the major insurance carriers represented by Mountain West Insurance & Financial Services as an independent agency. Mountain West sells Allstate insurance products to clients and earns commissions on policies placed.
• Auto OwnerscoreChannel Partner/ Reseller/ DistributorAuto Owners is one of the named insurance carriers represented by Mountain West Insurance & Financial Services. The agency sells Auto Owners insurance products and receives commission revenue on policies written.
• AcuitysupportingChannel Partner/ Reseller/ DistributorAcuity is an insurance carrier partner listed on Mountain West's insurance companies page, providing personal and commercial insurance products that Mountain West sells to clients.
• AetnasupportingChannel Partner/ Reseller/ DistributorAetna is a health insurance carrier partner available through Mountain West Insurance & Financial Services for group health and individual health insurance products.
• Allianz GlobalsupportingChannel Partner/ Reseller/ DistributorAllianz Global is an international insurance carrier partner available through Mountain West Insurance & Financial Services.
• Amtrust FinancialsupportingChannel Partner/ Reseller/ DistributorAmtrust Financial is a specialty insurance carrier partner available through Mountain West for commercial and niche insurance products.
• Anthem BCBSsupportingChannel Partner/ Reseller/ DistributorAnthem Blue Cross Blue Shield is a health insurance carrier partner providing group health and individual health insurance products through Mountain West.
• Berkley Oil and GassupportingChannel Partner/ Reseller/ DistributorBerkley Oil and Gas is a specialist insurance carrier partner available through Mountain West for oil and gas industry clients.
• Berkshire Hathaway GuardsupportingChannel Partner/ Reseller/ DistributorBerkshire Hathaway Guard is a commercial insurance carrier partner providing workers compensation and business insurance products through Mountain West.
• BITCO Insurance CompaniessupportingChannel Partner/ Reseller/ DistributorBITCO Insurance Companies provides commercial insurance products available through Mountain West Insurance & Financial Services.
• Blue Cross & Blue ShieldsupportingChannel Partner/ Reseller/ DistributorBlue Cross & Blue Shield is a national health insurance carrier partner providing health coverage through Mountain West.
• Century Insurance GroupsupportingChannel Partner/ Reseller/ DistributorCentury Insurance Group is a carrier partner providing surety and commercial insurance products through Mountain West.
• CHUBBsupportingChannel Partner/ Reseller/ DistributorCHUBB is a large commercial and personal insurance carrier partner available through Mountain West for high-value coverage needs.
• CIGNAsupportingChannel Partner/ Reseller/ DistributorCIGNA is a health insurance carrier partner providing group health and individual health insurance through Mountain West.
• Continental Western GroupsupportingChannel Partner/ Reseller/ DistributorContinental Western Group is a commercial insurance carrier partner available through Mountain West for business coverage.
• Delta DentalsupportingChannel Partner/ Reseller/ DistributorDelta Dental is a dental insurance carrier partner providing group dental and individual dental coverage through Mountain West.
• DONEGAL insurance groupsupportingChannel Partner/ Reseller/ DistributorDONEGAL insurance group is a regional insurance carrier partner providing personal and commercial insurance through Mountain West.
• EMCsupportingChannel Partner/ Reseller/ DistributorEMC is a commercial insurance carrier partner available through Mountain West for business insurance needs.
• Farmers AlliancesupportingChannel Partner/ Reseller/ DistributorFarmers Alliance is a farm and ranch insurance carrier partner aligned with Mountain West's agricultural client base.
• ForemostsupportingChannel Partner/ Reseller/ DistributorForemost is a specialty insurance carrier partner providing mobile home, RV, and specialty personal lines coverage through Mountain West.
• Grange Insurance AssociationsupportingChannel Partner/ Reseller/ DistributorGrange Insurance Association is a regional carrier partner providing personal and commercial insurance through Mountain West.
• Great American Insurance GroupsupportingChannel Partner/ Reseller/ DistributorGreat American Insurance Group provides specialty commercial insurance products available through Mountain West.
• Great West CasualtysupportingChannel Partner/ Reseller/ DistributorGreat West Casualty is a trucking and transportation insurance specialist available through Mountain West.
• GUARDIANsupportingChannel Partner/ Reseller/ DistributorGuardian Life is a life insurance and employee benefits carrier partner providing group benefits through Mountain West.
• Liberty Mutual InsurancesupportingChannel Partner/ Reseller/ DistributorLiberty Mutual Insurance is a major carrier partner providing personal and commercial insurance through Mountain West.
• MarkelsupportingChannel Partner/ Reseller/ DistributorMarkel is a specialty insurance carrier partner providing coverage for unique risks and specialty lines through Mountain West.
• Mutual of OmahasupportingChannel Partner/ Reseller/ DistributorMutual of Omaha is a health, life, and employee benefits carrier partner available through Mountain West.
• National American InsurancesupportingChannel Partner/ Reseller/ DistributorNational American Insurance is a carrier partner available through Mountain West for various insurance needs.
• Nationwide Mutual InsurancesupportingChannel Partner/ Reseller/ DistributorNationwide Mutual Insurance is a major national carrier partner providing personal and commercial insurance through Mountain West.
• New Mexico MutualsupportingChannel Partner/ Reseller/ DistributorNew Mexico Mutual is a regional workers compensation carrier partner aligned with Mountain West's New Mexico office locations.
• Philadelphia Insurance CompaniessupportingChannel Partner/ Reseller/ DistributorPhiladelphia Insurance Companies provides specialty commercial insurance products available through Mountain West.
• Pinnacol AssurancesupportingChannel Partner/ Reseller/ DistributorPinnacol Assurance is a Colorado-based workers compensation specialist available through Mountain West for Colorado businesses.
• Principal FinancialsupportingChannel Partner/ Reseller/ DistributorPrincipal Financial provides retirement and employee benefits products available through Mountain West.
• ProgressivesupportingChannel Partner/ Reseller/ DistributorProgressive is a major personal auto insurance carrier partner available through Mountain West.
• Secura Insurance CompaniessupportingChannel Partner/ Reseller/ DistributorSecura Insurance Companies provides personal and commercial insurance products through Mountain West.
• State AutosupportingChannel Partner/ Reseller/ DistributorState Auto is a regional insurance carrier partner providing personal and commercial coverage through Mountain West.
• Sun LifesupportingChannel Partner/ Reseller/ DistributorSun Life provides group benefits, dental, and financial insurance products available through Mountain West.
• Texas MutualsupportingChannel Partner/ Reseller/ DistributorTexas Mutual is a workers compensation insurance specialist available through Mountain West for Texas businesses.
• The Hanover Insurance GroupsupportingChannel Partner/ Reseller/ DistributorThe Hanover Insurance Group provides commercial and personal insurance products through Mountain West.
• The HartfordsupportingChannel Partner/ Reseller/ DistributorThe Hartford is a major commercial insurance carrier partner providing business insurance through Mountain West.
• TravelerssupportingChannel Partner/ Reseller/ DistributorTravelers is a major national insurance carrier partner providing personal and commercial insurance through Mountain West.
• United Fire GroupsupportingChannel Partner/ Reseller/ DistributorUnited Fire Group provides commercial and personal insurance products available through Mountain West.
• United HealthcaresupportingChannel Partner/ Reseller/ DistributorUnited Healthcare is a major health insurance carrier partner providing group health and individual health coverage through Mountain West.
• USLIsupportingChannel Partner/ Reseller/ DistributorUSLI provides specialty insurance products available through Mountain West for niche coverage needs.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Acrisure: Acrisure is one of the largest independent insurance brokerages in the U.S., growing rapidly through roll-up acquisitions of regional agencies. Like Mountain West, Acrisure operates a multi-carrier independent agency model with both personal and commercial lines across many states, and is famously PE-backed, making it the most relevant comparable for an agency roll-up thesis.
• Hub International: Hub International is a large North American insurance brokerage that has grown significantly through acquisitions of independent agencies, serving both personal and commercial lines. Comparable to Mountain West in business model (multi-carrier independent agency) and customer mix (mid-market commercial plus personal).
• Brown & Riding Insurance Services: Brown & Riding is a national independent wholesale insurance brokerage and program manager serving retail agents. It is comparable to Mountain West in operating as an independent intermediary between carriers and clients, though with a specialty/wholesale orientation rather than retail personal lines.
• Burns & Wilcox: Burns & Wilcox is a major independent specialty insurance wholesale distributor and brokerage. Like Mountain West, it places business with multiple carriers on behalf of retail agents and clients, with comparable commission-based economics and carrier partnership model.
• RPS (Risk Placement Services): RPS is a national wholesale insurance distributor and specialty brokerage representing multiple carriers. Comparable to Mountain West in independent agency economics, multi-carrier model, and serving both personal and commercial clients across many states.
• Assurex Global: Assurex Global is a partnership of large independent commercial insurance brokerages. Comparable to Mountain West as an independent multi-carrier agency serving commercial and personal clients, though structured as a member-owned partnership of agency owners.
• SIAA (Strategic Insurance Agency Alliance): SIAA is a national alliance/member-owned network of independent insurance agencies that aggregate buying power with carriers. Comparable to Mountain West in independent agency economics, with the added angle of how a Mountain West could scale via alliance membership or itself become a platform.

Broad incumbents

• Lockton Companies: Lockton is the world's largest independent insurance brokerage, operating broadly across commercial lines, employee benefits, and personal insurance globally. Comparable to Mountain West as a fellow large independent (non-captive) brokerage, though with a much broader and more enterprise-skewed book.
• Marsh McLennan: Marsh is the world's largest insurance broker and risk management firm. Comparable to Mountain West in the core insurance intermediary role and multi-carrier placement model, though with a vastly larger commercial/enterprise book and global footprint.

Regional players

• Costco Insurance Agency / CONNECT: Costco-affiliated insurance agencies (operated by CONNECT) provide multi-carrier personal and commercial insurance to Costco members. Comparable to Mountain West as an independent multi-carrier agency model, though with distribution tied to a membership base rather than a multi-office local presence.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/mtnwstins
• Facebookfacebook.com/mountainwestinsurancefinancialservices
• LinkedInlinkedin.com/company/mountain-west-insurance-&-financial-services

Revenue estimate

Valuation estimate

Number of profiles

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 Mountain West Insurance & Financial Services