Mourer Foster

What Mourer Foster does

Mourer Foster is an independent insurance agency founded in 1933 in Michigan, now operating under the Trucordia brand following a 2025 rebrand as part of PCF Insurance Group's national consolidation. The firm provides risk management and insurance placement across four core product lines: business insurance (Business Owners Policy, general liability, commercial property, workers' comp, cyber, EPLI, D&O, bonds, and a broad catalog of specialty commercial coverages), personal insurance (home, auto, motorcycle, flood, renters, RVs, watercraft, umbrella, and individual life/health products), specialty risk insurance (proprietary programs KennelPro for pet-related businesses, PetrolGuard for petroleum jobbers and gas stations, ReleaseGuard for storage tanks and pollution, veterinarian, cannabis, tattoo, taxi, nutraceuticals, and hunting preserves), and employee benefits (group health, dental, vision, disability, voluntary benefits, life and AD&D, long-term care). The agency's technology footprint is a client portal that handles claims reporting, payments, certificate and auto ID requests, and policy changes, supplemented by an online quote-request workflow — standard agency operations tooling rather than a proprietary platform.

The business model is commission-based revenue on new business and renewals from multiple insurance carriers, augmented by administrative services for self-insurance, group self-insurance, and captive programs (provided since 1994), which generate professional-services revenue alongside recurring commission streams. Go-to-market is sales-led through licensed advisors handling individuals, SMBs, employer groups, and specialty industries directly via phone, email, in-person consultation at the East Lansing office (300 W. Lake Lansing Rd.), and the website quote funnel. Coverage is available in Michigan and all 50 states. The firm has earned 5 consecutive years of the UFG Surety Crystal Blue Award and is the only independent agency in Michigan to receive it, alongside awards from Hartford, Bituminous, Westfield, and North American Specialty. As part of Trucordia (a top 20 U.S. insurance brokerage with 4,000+ employees across the U.S.), Mourer Foster / Trucordia Services Michigan shares parent-level resources, equity-alignment incentives, and access to the broader PCF Insurance network while retaining its regional operating presence.

Name

Mourer Foster

Legal name

Trucordia Services

Website

https://pcfmichigan.com

Company type

Private

Founded year

1933

Operating status

Operating

Headcount range

11–50 employees

Short description

Mourer Foster, operating as Trucordia since 2025, is an independent Michigan insurance agency founded in 1933 that places business, personal, specialty risk, and employee benefits coverage across all 50 states via licensed advisors and proprietary niche programs such as KennelPro, PetrolGuard, and ReleaseGuard.

Ownership category

akta.pro rank

Headquarters

HQ city

Lansing

HQ country

United States

HQ region

North America

Offices1 record

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 Commissions: Agency earns commissions from insurance carriers for policies placed. As an independent agency representing multiple carriers, revenue is derived from commissions on new business and renewals.
2. Self-Insurance Administration Services: Administrative services for self-insurance programs including development, management, group self-insurance, captive programs, loss prevention, and underwriting assistance. Services provided since 1994.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Mourer Foster (operating as Trucordia) is an independent insurance agency that places personal lines, commercial lines, specialty risk, and employee benefits coverage with multiple national and regional insurance carriers. The agency earns commissions by matching client needs to carrier products and provides ongoing policy servicing, claims support, and risk management advice.

Product overview

Trucordia (formerly Mourer Foster) is an independent insurance agency offering a comprehensive suite of insurance solutions. The company provides four core product lines: Business Insurance (covering BOP, liability, property, auto, workers comp, cyber, specialty coverages), Specialty Risk Insurance (including KennelPro, PetrolGuard, ReleaseGuard, cannabis, pet health via Figo, veterinarian, tattoo, taxi, nutraceutical, and hunting preserve programs), Personal Insurance (home, auto, motorcycle, condo, flood, renters, and various specialty vehicles plus individual life/health products), and Employee Benefits (group health, dental, vision, disability, FSA, EAP, voluntary benefits, life/AD&D, long-term care). Additional services include Administrative Services for self-insurance programs and a Client Portal for claims, payments, and policy management. The agency operates as part of the Trucordia network, a top 20 U.S. insurance brokerage headquartered in Lehi, Utah.

Differentiator

Problem solved

Functional benefit

Brands

• KennelPro: Insurance program for dog-related businesses including dog walking, pet sitting, doggie daycare, and kennels.
• PetrolGuard Insurance
• ReleaseGuard Insurance
• Pet Health Insurance

Products and services

• Business Insurance Comprehensive business insurance coverage including Business Owners Policy (BOP), general liability, commercial property, business auto, workers compensation, cyber liability, employment practices liability, errors & omissions, directors & officers, flood, crime, builders risk, liquor liability, special event, ocean marine, inland marine, environmental, systems breakdown, key man life, fiduciary liability, and captive insurance management, for small and mid-size businesses.
• Specialty Risk Insurance Specialized insurance for unique business needs including KennelPro (pet-related businesses), PetrolGuard (petroleum/gas stations), ReleaseGuard (storage tanks/pollution), CabFare (taxi cab), Nutra-Sure (nutraceuticals), Cannabis Insurance, Prezerve (hunting preserves), Pet Health Insurance, Veterinarian Insurance, and Tribal Ink (tattoo/piercing).
• Personal Insurance Coverage for individuals and families including home, auto, motorcycle, condo, flood, renters, off-road vehicles, RV, snowmobile, watercraft, classic car, wedding, earthquake, mobile home, sinkhole, rental property, valuable possessions, excess liability, umbrella, high net worth, yacht, travel, secondary home insurance, and individual life, health, dental, disability, long-term care, Medicare supplement, annuities, and IRA products.
• Employee Benefits Group benefits programs including group health, dental, vision, disability insurance, flexible spending accounts, employee assistance plans, group voluntary benefits, life and AD&D, and long-term care insurance for employer groups.
• Administrative Services Administrative services for self-insurance programs since 1994 including self insurance development and management, group self insurance, captive and rent-a-captive programs, loss prevention programs, and underwriting assistance.
• KennelPro Specialized insurance program for dog-related businesses including pet sitters, dog walkers, trainers, kennels, doggie daycares, groomers, breeders, and animal rescue organizations. Offers quotes in 15 minutes.
• PetrolGuard Insurance Insurance program designed for gas stations, petroleum jobbers, and convenience stores covering oil, fuel, gas, oil tank, and petroleum operations.
• ReleaseGuard Insurance Insurance program for aboveground and underground storage tanks covering environmental insurance, site-specific pollution, environmental liability, and contractors pollution liability. Available in all 50 states.
• Pet Health Insurance Pet insurance offered through Figo that reimburses pet owners for veterinary bills. Features a mobile app for claims submission and includes Pet Cloud with GPS tracking, health reminders, and pet-friendly business locator.
• Veterinarian Insurance Comprehensive veterinary liability and malpractice insurance covering professional liability for veterinary practices.

Quantifiable outcome

• 5 consecutive years as Surety Crystal Blue Award recipient from UFG
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• PCF InsurancecoreChannel Partner/ Reseller/ DistributorTrucordia is part of PCF Insurance's network of agencies, operating under the Trucordia brand. PCF Insurance is a top 20 U.S. insurance brokerage offering commercial and personal lines, life and health, employee benefits, and workers' compensation solutions.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Assurex Global: Worldwide partnership of independent insurance brokerages that share carrier appointments, specialty programs, and self-insurance administration capabilities. Provides network-level reach that mirrors what Trucordia offers the Michigan office.
• Leavitt Group: Regional insurance agency network with similar scale and independent-agency heritage offering commercial, personal, benefits, and specialty programs across multiple Western and Midwestern states. Closely comparable branch-network operating model.
• PCF Insurance Group / Trucordia: Direct parent company of the Mourer Foster office. Operates as a top-20 U.S. insurance brokerage with 4,000+ employees providing commercial, personal, employee benefits, and specialty insurance through a network of agency branches — directly comparable operating model and product mix.

Broad incumbents

• Lockton Companies: Largest privately held global insurance brokerage offering commercial, personal, and benefits solutions. Comparable emphasis on specialty programs, self-insurance/captive administration, and proprietary product development at scale.
• Acrisure: Top-10 U.S. insurance brokerage built through aggressive agency roll-ups. Directly comparable aggregator model with national branch footprint and similar specialty insurance programs; materially larger scale and PE ownership.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm offering commercial, personal, and benefits solutions across the U.S. Comparable multi-line offerings with much larger scale and broader specialty program capabilities.
• USI Insurance Services: Large U.S. insurance brokerage serving mid-market commercial, personal, and employee benefits clients through regional offices. Comparable product mix with strong emphasis on specialty programs and self-insurance administration.
• Hub International: Large North American insurance brokerage with a multi-state branch network offering commercial, personal, and benefits insurance. Comparable multi-line agency model and carrier-appointment strategy, though significantly larger scale.
• Marsh McLennan Agency: Middle-market arm of global brokerage Marsh McLennan providing commercial, employee benefits, and personal insurance through U.S. regional offices. Comparable agency franchise model focused on mid-market commercial and benefits clients.
• Brown & Brown: Publicly traded national insurance brokerage providing commercial, personal, and benefits solutions through regional offices. Comparable multi-line agency franchise model with similar product breadth and carrier relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mourerfoster1

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

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 Mourer Foster