Metro Agency
Metro Agency Inc is a privately held, family-owned independent insurance agency founded in 1959 in Livonia, Michigan, distributing personal and commercial insurance across 12+ carriers and 70+ industries for individual consumers and SMB clients in five US states.
- Company typePrivate
- Founded1959
- HeadquartersLivonia, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Metro Agency does
Metro Agency Inc is a privately held, family-owned independent insurance agency founded in 1959 by Chester Moore and headquartered at 32646 Five Mile Road in Livonia, Michigan. The agency operates as an independent brokerage rather than a captive insurer, distributing personal and commercial insurance products on behalf of 12+ carrier partners including Progressive, Travelers, Hartford, Hanover, Hagerty, Auto Owners, Foremost, Aflac, Accident Fund, American Modern, and Pioneer State Mutual. It is licensed to sell in five states — Michigan, Illinois, Ohio, Tennessee, and Iowa — and operates a second office in Brighton, Michigan under a partnership with Brighton Insurance & Financial Services.
The agency's product portfolio spans personal lines (home, auto, condo, renters, motorcycle, umbrella, high net worth, wedding, and flood insurance) and commercial lines, with specialized coverage for 70+ industries including restaurants, golf courses, breweries, dealerships, garage repair shops, child care centers, and churches. A Service Center portal handles claims reporting, billing, certificate requests, ID card requests, and policy reviews. The technology stack is conventional for the segment: standard industry software for policy management, carrier communications, and CRM, with no proprietary platform or AI capabilities disclosed.
Metro Agency generates revenue through carrier commissions on premiums written, with pricing determined by underwriting criteria at each carrier rather than agency-set tiers. The go-to-market is sales-led via licensed agents (largely members of the Moore family across three generations, supported by account managers and licensed agents), supplemented by website quote requests, phone inquiries, customer referrals, and a modest Facebook/LinkedIn presence. Customer segments are personal insurance consumers and small-to-medium commercial accounts, with no disclosed enterprise anchor relationships.
Metro Agency firmographics
Firmographics- Name
- Metro Agency
- Legal name
- Metro Agency Inc
- Website
- https://metroagency.net
- Company type
- Private
- Founded year
- 1959
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Metro Agency Inc is a privately held, family-owned independent insurance agency founded in 1959 in Livonia, Michigan, distributing personal and commercial insurance across 12+ carriers and 70+ industries for individual consumers and SMB clients in five US states.
- Ownership category
- akta.pro rank
Where Metro Agency is headquartered
LocationHeadquarters
- HQ city
- Livonia
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Metro Agency business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
Revenue model
- Insurance Commissions: Metro Agency Inc earns commissions from insurance carriers for policies placed on behalf of clients. As an independent agency, they represent multiple insurance companies and receive compensation based on premiums written for each carrier.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Metro Agency product offering
Product offeringCore offering
Metro Agency Inc is an independent insurance agency that sells personal and commercial insurance products on behalf of multiple insurance carriers. As an independent brokerage, the agency places policies with carriers such as Progressive and Travelers and earns commissions on premiums written, providing customers with comparative quoting and ongoing policy servicing through licensed agents.
Product overview
Metro Agency is an independent insurance agency offering a portfolio of insurance products through two main categories: Personal Insurance (Home, Auto, Condo, Renters, Motorcycle) and Business Insurance (Business Owners, Business Auto, Commercial Umbrella, Commercial Property, General Liability), plus specialized Insurance by Industry covering 70+ specific sectors (Garage Repair Shop, Golf Course, Restaurant, Dealership, Brewery, Child Care Center, Church, and many others). The agency also provides a Service Center for policy management including claims reporting, bill payment, and certificate requests. Metro Agency represents multiple insurance carriers including Progressive and Travelers, functioning as an independent brokerage model rather than a single-insurer product platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Insurance solutions for individuals and families covering Home, Auto, Condo, Renters, and Motorcycle insurance, plus High Net Worth, Umbrella, and Wedding Insurance products.
- Business Insurance Commercial insurance solutions including Business Owners Insurance, Business Auto, Commercial Umbrella, Commercial Property, and General Liability coverage for businesses.
- Insurance by Industry Specialized insurance coverage tailored to specific industries including Garage Repair Shop, Golf Course, Restaurant, Dealership, Brewery, and 70+ other business types.
- Home Insurance Homeowners coverage including Additional Living Expense, Flood Coverage, Jewelry and Fine Arts coverage, Medical Expenses, Personal Liability, and Personal Property protection.
- Auto Insurance Vehicle coverage including Bodily Injury Liability, Property Damage, Medical Payments, Uninsured Motorist, and Physical Damage coverage.
- Condo Insurance Coverage for condo owners including Betterments and Improvements, Personal Property, Additional Living Expenses, Personal and Family Liability, and Loss Assessment.
- Renters Insurance Coverage for tenants including personal belongings protection, liability coverage, and additional living expense coverage.
- Motorcycle Insurance Motorcycle coverage including liability, collision, comprehensive, theft, and roadside assistance options.
- Business Owners Insurance Business Owners Policy (BOP) combining property and liability coverage including Errors and Omissions, Directors and Officers Liability, Commercial Umbrella, and General Liability.
- Business Auto Insurance Commercial vehicle coverage including Liability, Bodily Injury, Property Damage, Medical Payments, Uninsured Motorist, Comprehensive, and Collision coverage.
Companies that use Metro Agency
Customer profileNamed customers5 records
Segments2 records
Metro Agency technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Metro Agency partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered primary and minor.
- ProgressiveprimaryMajor national insurance carrier offering auto, home, and other personal insurance products. Metro Agency Inc represents Progressive as one of their primary carrier partners.
- TravelersprimaryMajor national insurance carrier offering business and personal insurance products. Metro Agency Inc represents Travelers as one of their primary carrier partners.
- Accident FundminorWorkers compensation insurance carrier. Claims: 866-206-5851, Billing: 800-992-3522.
- AflacminorSupplemental insurance provider for accident, critical illness, and dental/vision coverage. Phone: 800-992-3522.
- American ModernminorSpecialty insurance carrier for manufactured homes, motorcycles, and collector vehicles. Phone: 800-543-2644.
- Auto Owners InsuranceminorRegional insurance carrier offering auto, home, and business insurance. Phone: 800-346-0346.
- ForemostminorSpecialty insurance carrier for manufactured housing, motor homes, and specialty property. Phone: 800-527-3905.
- HagertyminorClassic and collector vehicle insurance specialist. Phone: 877-922-9701.
- Hanover InsuranceminorCommercial and personal lines insurance carrier. Phone: 800-922-8427.
- HartfordminorNational insurance carrier for business, auto, and home insurance. Phone: 860-547-5000.
- Pioneer State MutualminorRegional Michigan-based insurance carrier. Phone: 810-733-2300.
Scale indicators4 records
Recent moves4 records
Expansion highlights4 records
Metro Agency competitors and assessment
Company assessmentRegional players
- Frankenmuth Insurance: Mutual insurance company based in Frankenmuth, Michigan, with a strong independent agent distribution model across the Midwest. Directly comparable as a Michigan-rooted carrier/agency model with multi-generational regional brand equity.
- AssureCare (Assure Holdings / local Michigan independents): Smaller regional independent agencies in Michigan distributing personal and commercial lines through multiple carriers such as Auto Owners, Hastings Mutual, and Frankenmuth. Closely comparable in size, geography, and carrier mix to Metro Agency.
- Hastings Mutual Insurance Company: Regional Michigan-based mutual carrier distributing through independent agents across the Midwest. Comparable as a Michigan-headquartered insurance distribution ecosystem peer, with overlapping carrier-agnostic agency partnerships.
Broad incumbents
- Hub International: Large North American insurance brokerage distributing commercial and personal lines through a network of agents and offices. Comparable as a multi-carrier agency model, though at significantly greater scale and geographic breadth than Metro Agency.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm operating through local offices and producer networks. Comparable as a multi-carrier brokerage distributing personal and commercial lines, with overlap in SMB and mid-market commercial segments.
- Brown & Brown, Inc. National insurance brokerage with a decentralized model of regional offices distributing commercial and personal lines via multiple carriers. Comparable as an aggregating independent-agent competitor that consolidates local agencies.
- Auto-Owners Insurance: Regional insurance carrier distributing personal and commercial lines exclusively through independent agents across 26 states. Comparable as a carrier-side counterparty that Metro represents, and indicative of the independent agent channel that defines Metro's GTM.
- GEICO: Direct-to-consumer insurance carrier primarily selling auto and home insurance without independent agents. Comparable as a competing distribution model for personal lines that pressures independent agency economics and commission structures.
Direct peers
- Leavitt Group: National network of independent insurance agencies distributing personal and commercial lines through multiple carriers, including a strong Western U.S. presence. Closely mirrors Metro's independent agency distribution model, multi-carrier access, and family-style regional office structure.
Emerging players
- Lemonade: Digital-native insurance carrier using AI-driven underwriting and direct-to-consumer mobile distribution. Comparable as an emerging distribution model that competes for the same personal insurance customers Metro serves through traditional agent channels.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Metro Agency social profiles
Digital presenceMetro Agency financial estimates
Financial estimateRevenue estimate
Valuation estimate
Metro Agency leadership team
Management profileNumber of profiles
Metro Agency funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Metro Agency 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 Metro Agency
What does Metro Agency do?
Metro Agency Inc is an independent insurance agency that sells personal and commercial insurance products on behalf of multiple insurance carriers. As an independent brokerage, the agency places policies with carriers such as Progressive and Travelers and earns commissions on premiums written, providing customers with comparative quoting and ongoing policy servicing through licensed agents.
Is Metro Agency a public or private company?
Metro Agency is a private company. It is currently operating.
When was Metro Agency founded?
Metro Agency was founded in 1959. It employs 1 to 10 people.
Where is Metro Agency based?
Metro Agency is headquartered in Livonia, United States, in the North America region.
How does Metro Agency make money?
One revenue line is on record: insurance Commissions.
Who are Metro Agency's main competitors?
Regional players on record are Frankenmuth Insurance, AssureCare (Assure Holdings / local Michigan independents) and Hastings Mutual Insurance Company. Broad incumbents are Hub International, Arthur J. Gallagher & Co., Brown & Brown, Inc., Auto-Owners Insurance and GEICO. Leavitt Group is listed as a direct peer. Lemonade is listed as an emerging player.
Does Metro Agency have an API?
No public API is recorded for Metro Agency.