Ellerbrock-Norris

What Ellerbrock-Norris does

Ellerbrock-Norris Agency Inc. is an independent risk management advisory and insurance brokerage founded in 1906, headquartered in Omaha, Nebraska, and serving mid-market business owners primarily in construction, contracting, specialty trades, and manufacturing & distribution across the Midwest. The firm operates a direct field-sales model in which dedicated risk advisors engage clients through a structured 12-week evaluation process rooted in its proprietary ENCORE (Ellerbrock-Norris Comprehensive Ongoing Risk Evaluation) methodology, which assesses and benchmarks risk across ten interconnected impact areas — Insurance, Safety, Employee Benefits & Retention, Key Personnel Planning, Business Continuity, Compliance, Contracts & Legal, Current & Emerging Risks, Strategy, and Business Exit Planning — with quarterly re-prioritization thereafter.

The technical layer centers on ENCORE: an AI-driven benchmarking system that scores risk and tracks improvements over time, paired with specialized add-on modules such as the ENCORE Safety Network (a workers' compensation program with Return-to-Work and Experience Mod management). The firm also publishes a steady cadence of content — blog, podcast ('Builders, Makers, Doers'), books, and the 'Protect Your Purpose' guidebook — and operates a wholly-owned registered investment adviser subsidiary, Ellerbrock-Norris Wealth Strategies LLC (ENWS), through which the same advisors deliver financial planning, retirement, and estate services.

Revenue is generated through three streams: insurance carrier commissions on placed commercial, workers' compensation, employee benefits, and personal lines coverage; professional-services fees for risk evaluation and consulting across the ten impact areas; and investment advisory fees via ENWS. Pricing is quote-based and customized, with a free business risk evaluation offered as a top-of-funnel acquisition tool. The company is privately held with no disclosed external investors and operates with an 11–50 employee base across a single regional headquarters.

Name

Ellerbrock-Norris

Legal name

Ellerbrock-Norris Agency Inc.

Website

https://ellerbrock-norris.com

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

11–50 employees

Short description

Ellerbrock-Norris is an independent risk-management and insurance advisory firm founded in 1906, serving mid-market construction, contractor, specialty trade, and manufacturing clients in the Midwest through its proprietary ENCORE evaluation methodology and a wholly-owned wealth advisory subsidiary (ENWS).

Ownership category

akta.pro rank

Headquarters

HQ city

Brooklyn

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Advisory and Placement: Risk advisory services generating revenue through commissions from insurance carriers when placing commercial insurance, workers compensation, employee benefits, and other coverage on behalf of clients. The company is an independent agency representing multiple carriers.
2. Risk Management Consulting: Advisory fees for comprehensive risk evaluation, strategic planning, and ongoing risk management consulting across 10 impact areas including safety, compliance, contracts, and business continuity.
3. Wealth Management (via ENWS): Ellerbrock-Norris Wealth Strategies LLC, a registered investment adviser subsidiary, provides financial planning, investment management, retirement planning, and estate planning services. Investment advisory fees separate from insurance commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels7 records

Core offering

Ellerbrock-Norris is an independent insurance agency and risk management advisory firm that provides holistic risk advisory and insurance placement services across 10 interconnected impact areas: insurance, safety, employee benefits and retention, key personnel planning, business continuity, compliance, contracts and legal, current and emerging risks, strategy, and business exit planning. The firm operates through its proprietary ENCORE (Ellerbrock-Norris Comprehensive Ongoing Risk Evaluation) methodology with AI-driven benchmarking, placing commercial and personal insurance as an independent agency representing multiple carriers. A subsidiary, Ellerbrock-Norris Wealth Strategies (ENWS), delivers wealth management, financial planning, and retirement planning services.

Product overview

Ellerbrock-Norris is a risk management advisory firm that operates as a unified platform built around its proprietary ENCORE (Ellerbrock-Norris Comprehensive Ongoing Risk Evaluation) methodology. The core offering is a holistic risk management approach covering 10 impact areas: Business Exit Planning, Employee Benefits & Retention, Safety, Insurance, Key Personnel Planning, Business Continuity, Compliance, Contracts & Legal, Current & Emerging Risks, and Strategy. The company also provides specialized services through sub-brands including the ENCORE Safety Network (a workers' compensation program) and Ellerbrock-Norris Wealth Strategies (wealth management, financial planning, retirement planning). Personal insurance products (life, disability, home, auto) and a downloadable Protect Your Purpose Guidebook round out the portfolio. The platform differentiates through its proprietary risk-scoring technology and a structured 12-week implementation process.

Differentiator

Problem solved

Functional benefit

Products and services

• ENCORE (Ellerbrock-Norris Comprehensive Ongoing Risk Evaluation) A holistic risk management methodology and ongoing advisory engagement that assesses and benchmarks risk across 10 interconnected impact areas of a business, providing proprietary scoring to track improvements over time. Targets business owners seeking integrated risk advisory.
• ENCORE Safety Network A workers' compensation program that includes safety culture development, pre- and post-injury action plans, ongoing claims management, Return-to-Work Programs, and annual Experience Modification analysis to lower E-mod rates. For construction, contractors, and manufacturing employers.
• Business Exit Planning Strategic planning services for business owners preparing to exit their business within the next 10 years, covering legacy planning, business valuation maximization, sale to third party, family transition, and tax-efficient exit strategies.
• Employee Benefits & Retention Design and management of employee benefits packages including health insurance, dental, vision, retirement plans, and retention strategies designed to attract and retain talent for business owners.
• Safety Services Workplace safety programs and culture development services that reduce accidents, lower Experience Modification rates, and prevent workplace injuries across construction, contractors, and manufacturing operations.
• Commercial Insurance Products Commercial insurance placement including property, liability, workers' compensation, commercial auto, and specialty coverages, placed as an independent agency representing multiple carriers for objective carrier selection.
• Key Personnel Planning Succession planning and retention strategies for essential employees, including equity vesting schedules, specialized benefits, and ownership programs to protect business continuity.
• Business Continuity Planning Disaster recovery and contingency planning strategies to ensure business operations continue during disruptions, addressing operational resilience for business owners.
• Compliance Services

Quantifiable outcome

• Medical-only workers compensation claims reduced by 70% when factored into experience modification calculation through proper Return-to-Work programs
• +3 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Ellerbrock-Norris Wealth Strategies LLC (ENWS)coreOthersENWS is a registered investment adviser and subsidiary of Ellerbrock-Norris Agency Inc. ENWS specializes in financial planning, wealth management, business exit planning, and investment management services. Certain insurance agents of ENA are also investment adviser representatives of ENWS, creating integrated advisory delivery.

Scale indicators1 record

Recent moves7 records

Expansion highlights5 records

Direct peers

• Holmes Murphy & Associates: Independent insurance brokerage headquartered in the Midwest with a strong focus on construction, contractors, and commercial risk management. Closely comparable in vertical specialization, advisory-led model, and target customer base to Ellerbrock-Norris.
• The Horton Group: Independent insurance brokerage and risk advisory firm serving mid-market and commercial clients with integrated risk, benefits, and surety solutions. Comparable in independent ownership, mid-market advisory positioning, and broad insurance + risk service stack.
• Hylant: Privately held insurance brokerage offering commercial insurance, risk management, and employee benefits across multiple U.S. regions. Comparable as an independent, advisor-led brokerage competing against national brokerages.
• Woodruff-Sawyer & Co. Independent, privately held insurance brokerage focused on commercial clients with a specialty/expertise-driven model. Comparable as an independent, advisor-led brokerage competing against national firms.
• Risk Placement Services (RPS): Specialty insurance placement and brokerage firm focused on complex and hard-to-place risks, including construction and manufacturing. Comparable in specialty-line focus and placement expertise for niche commercial verticals.

Broad incumbents

• NFP: Large insurance brokerage and consulting firm with integrated wealth management capabilities through subsidiaries. Comparable in combining insurance placement with advisory and wealth services, but at significantly larger scale.
• AssuredPartners: National insurance brokerage consolidator acquiring independent agencies across the U.S. Provides a benchmark for what scaled-up versions of EN could look like — and a key competitor for talent and clients.
• Marsh McLennan: Global insurance brokerage and risk advisory firm. Represents the incumbent large-player alternative to EN's independent model, with broader capabilities but less vertical specialization in construction/manufacturing.
• USI Insurance Services: Large property & casualty and employee benefits brokerage with proprietary risk and benefits advisory frameworks. Comparable in combining analytics-driven advisory with brokerage services across commercial verticals.

Emerging players

• Hightower Advisors: Wealth management and RIA platform that has grown through advisor acquisitions, providing an integrated model combining wealth advisory with insurance-adjacent services. Comparable to EN's ENWS subsidiary in RIA delivery model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/en_agency
• Facebookfacebook.com/EllerbrockNorris
• LinkedInlinkedin.com/company/ellerbrock-norris
• Instagraminstagram.com/ellerbrock_norris
• TikToktiktok.com/@ellerbrock_norris

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Ellerbrock-Norris