PFS Insurance Group
PFS Insurance Group is an independent insurance agency founded in 1996 and headquartered in Johnstown, Colorado, placing commercial, personal, and agribusiness property and casualty coverage through six offices across Colorado and Arizona, representing multiple carriers and earning commissions on placed policies.
- Company typePrivate
- Founded1996
- HeadquartersJohnstown, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What PFS Insurance Group does
PFS Insurance Group is a privately held independent insurance agency founded in 1996 and headquartered in Johnstown, Colorado. The firm places property and casualty coverage for individuals, small and mid-sized businesses, and agribusiness operators across two product pillars: Business Insurance (Commercial Property, Business Auto, Workers' Compensation, General Liability, Business Owners Policy, Commercial Umbrella, Cyber Liability, Environmental) and Personal Insurance (Auto, High Net Worth, Home, Motorcycle, Watercraft, Umbrella), with vertical specialization in contractors, farms, crop, restaurants, retail, and manufacturers. As an independent agency licensed to operate in 41 states, PFS represents multiple carriers rather than a single provider, enabling the agency to shop and place coverage on behalf of clients and earn carrier commissions on policies written and renewed.
The agency operates from six physical offices spanning northern Colorado (Johnstown, Sterling, Yuma), the Denver metropolitan area (Greenwood Village), the Western Slope (Grand Junction), and Arizona (Prescott). Distribution is consultative and advisor-led: more than 20 licensed insurance advisors and 30+ account managers and assistants deliver risk-assessment, policy-shopping, and ongoing servicing through in-person, phone, and digital channels. A PFS Client Portal provides policyholders with self-service capabilities for documents, claims, payments, certificate requests, and policy changes, supported by an interactive "Clickable Coverage" educational tool.
Revenue is generated primarily through commissions paid by insurance carriers on personal and commercial policies placed and serviced, with average client tenure measured in years to decades. The firm is privately held with no disclosed institutional ownership, no external funding rounds, and no public financial filings. Recent strategic activity centers on geographic expansion (Prescott, AZ and Grand Junction, CO branch additions), senior producer and branch manager hires since 2023, and extension of the product portfolio into specialty lines such as Cyber and Environmental coverage.
PFS Insurance Group firmographics
Firmographics- Name
- PFS Insurance Group
- Legal name
- PFS Insurance Group
- Website
- https://mypfsinsurance.com
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- PFS Insurance Group is an independent insurance agency founded in 1996 and headquartered in Johnstown, Colorado, placing commercial, personal, and agribusiness property and casualty coverage through six offices across Colorado and Arizona, representing multiple carriers and earning commissions on placed policies.
- Ownership category
- akta.pro rank
Where PFS Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Johnstown
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
PFS Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commissions: As an independent insurance agency, PFS earns commissions from insurance carriers for placing and servicing insurance policies for clients. Revenue is generated from both personal lines and commercial lines insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing tailored to individual client needs |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
PFS Insurance Group product offering
Product offeringCore offering
PFS Insurance Group is an independent insurance agency that places and services property and casualty insurance policies on behalf of multiple carriers for personal, commercial, and agribusiness clients. The agency earns commissions from carriers and provides consultative advisory, risk management services, and ongoing policy servicing through dedicated licensed advisors and an online client portal.
Product overview
PFS Insurance Group is an independent insurance agency offering a comprehensive portfolio of insurance solutions through multiple product lines. The company provides three core offerings: Business Insurance (Commercial Property, Business Auto, Workers' Compensation, General Liability, Business Owners Policy, Commercial Umbrella), Personal Insurance (Auto, High Net Worth, Home, Motorcycle, Watercraft, Umbrella), and Insurance by Industry (Contractor, Farm, Crop, Manufacturer, Restaurant, Retail). Additional specialized products include Cyber Liability, Environmental Insurance, and Risk Management Services. The company also offers a client portal for policy management and interactive educational tools (Clickable Coverage). PFS operates as a multi-location agency licensed in 41 states, serving clients across Colorado and Arizona with six office locations.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Insurance Comprehensive business insurance coverage including Commercial Property, Business Auto, Workers' Compensation, General Liability, Business Owners Policy, and Commercial Umbrella for small and mid-sized businesses.
- Personal Insurance Personal insurance solutions covering Auto, High Net Worth, Home, Motorcycle, Watercraft, and Umbrella insurance for individuals and families.
- Insurance by Industry Specialized insurance solutions tailored for specific industries including Contractor, Farm, Crop, Manufacturer, Restaurant, and Retail business insurance.
- Commercial Property Insurance Insurance coverage protecting business property including equipment, inventory, furniture, and fixtures owned or leased by the business.
- Business Auto Insurance Coverage for vehicles owned or leased by a commercial enterprise, including bodily injury, property damage, comprehensive and collision coverage.
- Workers' Compensation Insurance Coverage protecting employees for job-related injuries or sickness as required by law.
- General Liability Insurance Coverage for bodily injury to people outside the business and physical damage to their property, including defense costs regardless of merit.
- Business Owners Policy (BOP) Combined business property and business liability insurance in one policy, protecting business assets, income, and covering premises and operations risks.
- Commercial Umbrella Insurance Excess liability coverage that kicks in when primary policy limits are exceeded, typically providing $2,000,000 to $10,000,000 in additional coverage.
- Cyber Liability Insurance Coverage for unauthorized access to electronic data, viruses, computer theft, extortion, and employee errors involving network security.
- Environmental Insurance Protection against environmental catastrophes and pollution incidents causing bodily injury or property damage.
- Auto Insurance (Personal) Personal automobile insurance covering liability, damages, accidents, and theft for individual vehicle owners.
- High Net Worth Insurance Specialized coverage for high-value homes, jewelry, art, and other valuable possessions for affluent individuals.
- Home Insurance Coverage protecting homeowner property and belongings against damage, theft, and liability.
- Motorcycle Insurance Coverage for motorcycles including liability, physical damage, medical payments, and optional coverage for custom parts and roadside assistance.
- Watercraft Insurance Insurance for boats and watercraft covering physical damage, liability, towing, pollution liability, and salvage coverage.
- Personal Umbrella Insurance Extra liability policy providing additional protection over auto, home, or watercraft policies when coverage limits are exceeded.
- Contractor Insurance Insurance for contractors including Builders Risk, Contractor's Equipment, Equipment Breakdown, Inland Marine, and General Liability coverage.
- Farm Insurance Coverage for farms including property protection, ATVs, livestock, crops, pollution liability, umbrella coverage, and care/custody/control for third-party animals.
- Crop Insurance Protection for crops including Crop-hail insurance, Multi-peril crop insurance, and revenue insurance to protect against low yields, poor quality, and price fluctuations.
- Manufacturer Insurance Coverage for manufacturers including Commercial General Liability, Property, Business Interruption, Product Recall, and Motor Truck/Ocean Cargo insurance.
- Restaurant Insurance Comprehensive restaurant coverage including Liquor Liability, Valet Parking, Business Income, EPLI, Cyber Liability, Food Contamination, and Commercial Auto.
- Retail Business Insurance Insurance for retail stores covering Business Auto, Business Income, Commercial Property, Commercial Umbrella, Crime, Cyber Liability, and General Liability.
- Risk Management Services Advisory services helping clients identify, assess, and mitigate risks through comprehensive risk management tools and resources.
Quantifiable outcome
- Serving clients for over a decade with sustained relationships
- +1 more outcomes
Companies that use PFS Insurance Group
Customer profileNamed customers3 records
Segments8 records
Ideal customer profiles3 records
PFS Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
PFS Insurance Group partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- Book TrustminorPFS Insurance Group supports Book Trust, an organization committed to inspiring children's passion for reading and ensuring all students have books they need.
- Boys & Girls Clubs of Larimer CountyminorPFS supports the only comprehensive, facility-based, after-school and school-break program in Larimer County that includes meals and program enrichment.
- Respite CareminorPFS supports Respite Care, a nonprofit providing short-term quality care to children with developmental disabilities and respite to their families.
- Northeastern Junior College FoundationminorPFS supports NJC Foundation, a nonprofit organization that supports Northeastern Junior College and its students through generous donations.
- Insurance Carriers (Multiple)coreAs an independent agency, PFS represents multiple insurance companies to offer clients competitive rates and appropriate coverage options. No specific carrier names are disclosed on the website.
Scale indicators5 records
Recent moves10 records
Expansion highlights6 records
PFS Insurance Group competitors and assessment
Company assessmentBroad incumbents
- Hub International: Major North American insurance brokerage offering commercial, personal, and employee benefits. PE-backed roll-up acquirer of independent agencies, comparable to PFS in mid-market P&C focus and as a potential acquirer in the same consolidation theme.
- USI Insurance Services: Large US insurance brokerage serving mid-market and large commercial clients with property/casualty, employee benefits, and personal lines. Overlaps with PFS on commercial P&C and risk advisory services but operates at much larger scale and with proprietary specialty practices.
- Marsh McLennan Agency: Middle-market arm of Marsh providing commercial P&C, employee benefits, and risk advisory. Highly comparable to PFS in commercial P&C and risk management consulting, with overlapping mid-market client base.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with significant mid-market commercial P&C presence. Comparable to PFS in property/casualty and risk advisory offerings, though at far larger scale and with broader specialty capabilities.
Direct peers
- Higginbotham Insurance: Large US independent insurance agency offering commercial, personal, and employee benefits across multiple states. Closely comparable to PFS in independent multi-carrier model, multi-line product breadth, and mid-market focus, though at significantly larger scale.
- Leavitt Group: Western US-focused independent insurance agency network with deep agribusiness and commercial P&C practices. Highly comparable to PFS in regional western footprint, agribusiness specialization, and independent agency structure.
- Insurance Office of America (IOA): Large independent insurance agency providing commercial, personal, and employee benefits solutions. Comparable to PFS through its independent multi-carrier model and broad commercial P&C product offering, though at materially larger scale.
Emerging players
- RPS (Risk Placement Services): Specialty wholesale insurance broker placing complex and excess/surplus lines risks. Compares to PFS where PFS places standard-market commercial P&C; RPS represents the specialty/E&S wholesale layer above where independents like PFS typically place.
- Brown & Riding: Specialty insurance brokerage and wholesale firm focused on niche commercial and excess/surplus lines. Compares to PFS as a specialty-oriented brokerage in the broader independent P&C channel.
Others
- Assurex Global: Global partnership network of independent commercial insurance and risk management agencies. Comparable to PFS as a peer/affiliation model for independent agencies seeking expanded carrier access and best-in-class benchmarking.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
PFS Insurance Group social profiles
Digital presencePFS Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
PFS Insurance Group leadership team
Management profileNumber of profiles
Profiles25 records
PFS Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PFS Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PFS Insurance Group
What does PFS Insurance Group do?
PFS Insurance Group is an independent insurance agency that places and services property and casualty insurance policies on behalf of multiple carriers for personal, commercial, and agribusiness clients. The agency earns commissions from carriers and provides consultative advisory, risk management services, and ongoing policy servicing through dedicated licensed advisors and an online client portal.
Is PFS Insurance Group a public or private company?
PFS Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PFS Insurance Group founded?
PFS Insurance Group was founded in 1996. It employs 11 to 50 people.
Where is PFS Insurance Group based?
PFS Insurance Group is headquartered in Johnstown, United States, in the North America region.
How does PFS Insurance Group make money?
One revenue line is on record: insurance Commissions.
Who are PFS Insurance Group's main competitors?
Broad incumbents on record are Hub International, USI Insurance Services, Marsh McLennan Agency and Arthur J. Gallagher & Co.. Direct peers are Higginbotham Insurance, Leavitt Group and Insurance Office of America (IOA). Emerging players are RPS (Risk Placement Services) and Brown & Riding. Assurex Global is listed as an others.
Does PFS Insurance Group have an API?
No public API is recorded for PFS Insurance Group.