Moody Insurance Agency

What Moody Insurance Agency does

Moody Insurance Agency is a family-owned independent insurance brokerage founded in 1972 and headquartered in Denver, Colorado, with additional offices in Grand Junction and Colorado Springs. The firm serves Colorado businesses, employers, and families through a multi-line brokerage model spanning commercial insurance, small business, employee benefits, personal lines, and surety/contractor bonds, with vertical specializations in construction, energy, real estate, education, healthcare, security, technology, and biotech/life sciences. Service delivery is sales-led via a field team of specialized advisors, supplemented by self-service client portals — Vertafore for business insurance and Zywave for employee benefits — both of which are third-party SaaS platforms rather than proprietary technology. The agency monetizes through standard insurance brokerage commissions on placed policies, with a 2021 Colorado Biz Magazine Best Business Insurance Provider award and 2024 Insurance Journal Top 100 Agency recognition underscoring its regional standing. Operations are supported by a structured internship pipeline and participation in the RiskProNet national network of independent agencies, which extends its effective service reach for multi-state clients. Revenue figures are not publicly disclosed, and the firm remains under family ownership with no external institutional capital.

Name

Moody Insurance Agency

Legal name

Moody Insurance Agency, Inc.

Website

https://moodyins.com

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

101–250 employees

Short description

Moody Insurance Agency is a family-owned independent insurance brokerage founded in 1972, serving Colorado businesses, employers, and families with commercial, personal, employee benefits, and surety coverage across three Colorado offices.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Commercial insurance brokerage
• Employee benefits consulting
• Surety bond services
• Personal lines insurance
• Risk management advisory

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

Offices3 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 Brokerage Commissions: As an independent insurance agency, Moody Insurance earns commissions from insurance carriers for placing business and personal lines coverage. Revenue is generated through commissions on insurance policies including commercial insurance, personal insurance, employee benefits, and surety bonds.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Moody Insurance Agency is an independent insurance brokerage that places commercial insurance, small business insurance, employee benefits, personal lines, and surety bonds for Colorado businesses, employees, and families. It operates as a multi-carrier broker, providing risk management, claims advocacy, and loss control services across multiple industry verticals.

Product overview

Moody Insurance Agency is a family-owned insurance brokerage firm (founded in 1972) serving Colorado and the Rocky Mountain region for over 50 years. The agency operates as a multi-line insurance brokerage offering a portfolio of products including Commercial Insurance, Small Business Insurance, Employee Benefits, Personal Insurance, and Surety/Bonding solutions. These core products are organized by both line of business and industry vertical, with specialized coverage for Construction, Energy, Real Estate, Education, Security, Biotech/Life Sciences, Healthcare, and Technology sectors. Additional services include Risk Management (Claims Advocate, Loss Control, Legal services), the Colorado FAMLI program, and Cyber Liability Insurance. The agency differentiates through industry-specific expertise, access to multiple insurance carriers/providers, and personalized service from experienced professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance Commercial insurance plans and services that help fit businesses with appropriate coverage and pricing, covering various industry sectors.
• Small Business Insurance Ongoing expertise and relationship-building services for small business owners to protect their investments with tailored coverage.
• Employee Benefits Effective strategies and expansive resources for employers to find the right benefits package, including health insurance and retirement planning.
• Personal Insurance Consultants and account managers work with individuals to secure assets including home and auto insurance coverage.
• Surety / Contractor Surety Bonds Surety programs including contractor surety bonds (performance bonds, payment bonds, bid bonds, maintenance bonds) that leverage partnerships with Colorado's leading construction lenders, accounting firms, and legal professionals.
• FAMLI Plan Colorado Family and Medical Leave Insurance program helping Colorado employers navigate the state-mandated leave program.
• Construction Industry Insurance Specialized insurance coverage for the construction industry including general liability, workers compensation, commercial auto, professional liability, builder's risk, equipment insurance, and umbrella coverage.
• Energy Industry Insurance Insurance solutions for oil and gas companies in the Rocky Mountain region, covering unique needs and compliance requirements.
• Real Estate Insurance Insurance solutions to protect real estate investments, assessing specific needs and matching clients with plans through a network of top national carriers.
• Education Industry Insurance Insurance, retirement, administrative services, and human resource services tailored for educational institutions.
• Security Industry Insurance Comprehensive insurance coverage for security companies covering general liability, professional liability, workers compensation, commercial auto, cyber liability, and umbrella insurance.
• Biotech/Life Sciences Insurance Specialized insurance solutions for biotech and life sciences companies.
• Healthcare Industry Plans Insurance solutions tailored for healthcare industry clients.
• Technology Company Plans Insurance coverage designed for technology companies.
• Risk Management Services Comprehensive risk management services including Claims Advocate, Loss Control, Legal services, and strategic risk assessment for businesses.
• Cyber Liability Insurance Protects firms against data breaches and digital threats, covering cyber attacks, ransomware, and privacy liability.

Quantifiable outcome

• $107,091 raised for Judi's House through annual golf tournament
• +1 more outcomes

Named customers2 records

Segments12 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• RiskProNetcoreStrategic or Co-development PartnerRiskProNet is a network of independent insurance agencies across the United States. Moody Insurance participates in the network's construction practice group, shares industry insights through monthly calls and annual conferences, and collaborates with other member agencies for client referrals and knowledge sharing. The partnership enables Moody to serve clients with multi-state coverage needs and access specialized expertise from agencies nationwide.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• IMA Financial Group: Mid-sized, employee-owned multi-line insurance brokerage with comparable size, multi-vertical specialty, and a relationship-driven culture. Operates commercial, personal, and benefits practices with similar mid-market client focus.
• Risk Placement Services (RPS): Specialty wholesale broker and managing general agent with strong construction, energy, and real estate practices—verticals that overlap directly with Moody's highest-touch segments. Comparable specialty-brokerage positioning in complex commercial lines.
• Higginbotham: Texas-headquartered multi-line brokerage with comparable employee count, employee-ownership culture, and broad industry vertical coverage. Operates commercial, personal, and benefits practices from multiple regional offices.
• Heffernan Insurance Brokers: Mid-sized independent brokerage with comparable multi-line commercial, personal, and benefits offerings and strong vertical specialization. Similar employee count and private ownership profile make it a close size-and-model analog.
• Woodruff Sawyer: Mid-sized regional brokerage serving commercial clients across multiple industries with both insurance brokerage and risk management consulting. Comparable size, multi-vertical approach, and West Coast/regional footprint.

Broad incumbents

• Acrisure: Large PE-backed insurance brokerage with a roll-up acquisition strategy spanning commercial, personal, and benefits. Relevant as both a competitive threat in mid-market accounts and a potential acquirer of regional agencies.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with broad commercial, benefits, and personal-lines practices. Serves as a broad incumbent benchmark for commission economics and segment mix.
• Brown & Brown: National insurance brokerage with a multi-line, multi-vertical strategy and significant mid-market presence. Provides a public-market comparable for Moody's regional commercial and benefits mix.
• USI Insurance Services: Mid-to-large national brokerage with strong employee benefits, commercial, and personal-lines practices and a regional-office operating model. Closely comparable in product mix and middle-market focus.
• AssuredPartners: Large PE-backed brokerage roll-up with extensive national footprint and multi-line offerings including commercial, personal, and benefits. Represents a natural aggregator and potential acquirer profile for regional agencies at Moody's scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/moodyinsurance
• Facebookfacebook.com/moodyinsurance
• LinkedInlinkedin.com/company/moody-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

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 Moody Insurance Agency