Fred C. Church, Inc.

What Fred C. Church, Inc. does

Fred C. Church, Inc. is an independent insurance brokerage founded in 1865 and headquartered in Lowell, Massachusetts, operating today as a division of AssuredPartners, one of the largest U.S. independent insurance agency groups. The firm serves both individuals and businesses across personal lines (home, auto, condo, renters, umbrella, flood, recreational vehicle, boat, life, travel), commercial lines across nine specialized industry practice groups (Construction, Education, Franchise Business, Health & Human Services, Manufacturing, Outdoor + Adventure, Real Estate, Technology, Wholesaling), and Employee Benefits (group benefits, voluntary benefits, group captive health). A dedicated Private Client Group addresses high-net-worth individuals and families.

The company generates revenue primarily through commissions paid by the multiple insurance carriers it represents as an independent broker, augmented by fees from risk management consulting and employee benefits administration. Its go-to-market is relationship-based, with industry-specialized client executives, risk managers, claims advocates, and service personnel organized into practice groups, supported by two digital platforms: the CSR24 self-service portal for policy management (certificates of insurance, ID cards, claims reporting, policy changes) and the LossFreeRx-powered Risk Management Center for business clients' loss control, training, and incident tracking. Marketing channels include content marketing, referral programs, social media, community involvement, and industry events.

The firm maintains seven offices across Massachusetts (Lowell headquarters, Andover, Boston, Haverhill), Colorado (Golden), Connecticut (New Haven), and New Hampshire (Portsmouth), with a workforce of approximately 170 employees averaging 12 years of tenure and 95% retention. Most recent inorganic activity includes the 2024 acquisition of Duble and O'Hearn Insurance to enter the Connecticut market. No venture capital, private equity investment at the company level, or public listing has been disclosed; ownership sits within the AssuredPartners holding structure.

Name

Fred C. Church, Inc.

Legal name

Fred C. Church, Inc.

Website

https://fredcchurch.com

Company type

Private

Founded year

1865

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Fred C. Church is an independent insurance brokerage founded in 1865 in Lowell, MA, operating as a division of AssuredPartners. It serves individuals and businesses across personal, commercial (nine industry practice groups), and employee benefits lines from seven offices in the Northeast and Colorado.

Ownership category

akta.pro rank

Headquarters

HQ city

Rolling Meadows

HQ country

United States

HQ region

North America

Offices7 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: Fred C. Church operates as an independent insurance broker earning commissions from multiple insurance carriers. The company represents numerous highly rated insurance carriers and helps clients select from competing products. Revenue is generated through commissions paid by insurance carriers based on policy premiums written.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Fred C. Church, Inc. is an independent insurance brokerage that represents multiple highly rated insurance carriers to deliver personal insurance (home, auto, condo, renters, umbrella, flood, recreational vehicles, boat, life, travel), commercial insurance across specialized industry practice groups (construction, education, franchise, health & human services, manufacturing, outdoor + adventure, real estate, technology, wholesaling), and employee benefits solutions. The firm serves as an intermediary that advises clients on coverage selection, negotiates with carriers, and provides ongoing claims advocacy and risk management consulting.

Product overview

Fred C. Church is an independent insurance broker offering a comprehensive portfolio of insurance products and risk management services. The company operates across three main divisions: Personal Insurance (home, auto, condo, renters, umbrella, flood, recreational vehicles, boat, life, and travel insurance), Business Insurance (covering industry specialties including construction, education, franchise business, health and human services, manufacturing, outdoor and adventure, real estate, technology, and wholesaling), and Employee Benefits (group and voluntary benefits). The company also maintains a Private Client Group for high-net-worth individuals and provides self-service platforms including CSR24 for policy management and a Risk Management Center for business clients. As an independent agent, Fred C. Church represents multiple insurance carriers to provide customized coverage solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Bundle of personal lines of insurance for individuals and families including home, auto, condo, renters, umbrella, flood, recreational vehicles, boat, life, and travel coverage. Sold as separate policies through licensed brokers to individuals and families.
• Home Insurance Homeowners insurance protecting residential properties, personal belongings, and personal liability exposure for homeowners in New England.
• Car Insurance Auto insurance coverage for drivers including liability, collision, comprehensive, and various endorsement options.
• Condo Insurance Condominium unit owners insurance covering personal property, unit improvements, and liability, supplementing master condo association policy coverage.
• Renters Insurance Rental property insurance protecting tenants' personal belongings, personal liability, and additional living expenses. Average monthly cost referenced at $12.
• Umbrella Insurance Personal excess liability coverage providing additional protection beyond the limits of underlying home and auto insurance policies. Average monthly cost referenced at $16 for $1M of liability coverage.
• Flood Insurance Coverage for property damage caused by flooding, offered through the National Flood Insurance Program (NFIP) and the private flood insurance marketplace.
• Recreational Vehicle Insurance
• Boat Insurance
• Life Insurance
• Travel Insurance
• Private Client Group Insurance
• Business Insurance
• Construction Insurance
• Education Insurance
• Franchise Business Insurance
• Health & Human Services Insurance
• Manufacturing Insurance
• Outdoor + Adventure Insurance
• Real Estate & Property Management Insurance
• Technology Business Insurance
• Wholesaler & Distributor Insurance
• Employee Benefits Solutions
• Voluntary Benefits

Quantifiable outcome

• 95% employee retention rate demonstrating stable, experienced workforce
• +2 more outcomes

Named customers5 records

Segments11 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Partnerships

One partnership is on record.

• AssuredPartnerscoreOthersFred C. Church is a division of AssuredPartners, one of the largest independent insurance agencies in the United States. This affiliation provides access to broader resources, carrier relationships, and industry expertise while maintaining the company's regional brand and client service approach.

Scale indicators18 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Hub International Limited: PE-backed (Hellman & Friedman, Blackstone) large North American insurance brokerage built through roll-ups of firms similar to Fred C. Church. Strongly comparable acquisition-driven model and emphasis on industry specialization.
• Brown & Brown, Inc. One of the largest U.S. insurance brokerages with a similar model of acquiring and operating regional independent agencies. Comparable in structure, M&A roll-up strategy, and the combination of personal, commercial, and benefits lines.
• USI Insurance Services: Large U.S. insurance brokerage with significant personal, commercial, and employee-benefits practices organized around industry and specialty teams. Comparable vertical-specialization go-to-market approach.
• Acrisure: Rapidly scaled insurance brokerage built on aggressive M&A roll-up of regional agencies — a parallel strategic template to Fred C. Church's path within AssuredPartners. Increasingly relevant as a benchmark for inorganic growth trajectories in the brokerage space.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk-management services firm with a substantial U.S. retail brokerage segment built largely through regional acquisitions. Comparable in product breadth (P&C, benefits, risk management) and industry-specialized teams.
• Marsh McLennan: Largest global insurance broker and risk advisor, with a meaningful U.S. middle-market retail brokerage presence (Marsh). Comparable in product breadth and risk-management consulting offerings.

Others

• AssuredPartners: Parent organization and largest U.S. independent insurance brokerage network. FCC operates as a regional division within AssuredPartners, sharing carrier access, M&A infrastructure, and back-office scale while preserving its regional brand.

Direct peers

• Cross Insurance: Family-owned independent regional insurance brokerage headquartered in New England. Closest head-to-head comparable in scale, product mix, and regional customer base.
• Hylant Group: Privately held regional insurance brokerage with similar industry-specialized practice groups (construction, manufacturing, healthcare, etc.) and employee benefits capabilities. Closely mirrors Fred C. Church's vertical go-to-market approach.
• TrueNorth Companies: Mid-sized independent insurance, risk-management, and employee-benefits brokerage serving niche industries. Comparable in size, product mix, and emphasis on specialty verticals over generalist brokerage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/144024
• Xx.com/fredcchurch
• Facebookfacebook.com/fredcchurch

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Fred C. Church, Inc.