Winters Financial Network
Winters Financial Network is a third-generation, family-owned independent insurance agency in Cincinnati, OH, distributing business, personal, and employee benefits coverage from 13+ top-rated carriers to SMBs, individuals, and employers across the Ohio-Kentucky tri-state region.
- Company typePrivate
- Founded1963
- HeadquartersCincinnati, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Winters Financial Network does
Winters Financial Network is a third-generation, family-owned independent insurance agency founded in 1963 and headquartered in Cincinnati, OH, serving clients across the Ohio-Kentucky tri-state region including Dayton, Columbus, Louisville, and Lexington. The firm operates as an independent agency representing 13+ top-rated insurance carriers (including Grange, Acuity, Chubb, CNA, Hartford, Liberty Mutual, and West Bend), distributing a broad product catalog across three lines: Business Insurance (BOP, commercial auto, general liability, workers' comp, cyber, D&O, EPLI, surety, and specialty coverages), Personal Insurance (auto, home, life, flood, umbrella, high net worth, and specialty lines), and Employee Benefits (group health, dental, vision, disability, voluntary benefits, and FSA). The technology stack is light, centered on a 24/7 client portal for self-service policy management, quote-request lead capture on the website, and content marketing assets such as the 'Clickable Coverage' interactive graphics. No proprietary platform, APIs, or AI/ML capabilities are disclosed.
The business model is commission-based, with revenue generated from carrier partners on policies sold and renewed across the three product lines. Go-to-market is relationship-led: licensed insurance advisors work one-on-one with clients to assess risk, build custom coverage, and conduct annual renewal reviews, supplemented by inbound quote-request forms and word-of-mouth referrals. The named team consists of 7 members, including the Winters family in leadership (Brad Winters as President & Agency Principal, Jim Winters Jr. as Vice President, and LaVoy and Sheri Winters in operational roles), supported by dedicated Commercial and Personal Account Managers. Customer mix is predominantly SMB and individuals, with no enterprise or large-account concentration signaled. Pricing is quote-based and not publicly disclosed, with monthly billing cadence. The firm is privately held, with no external funding, parent company, or disclosed M&A activity.
Winters Financial Network firmographics
Firmographics- Name
- Winters Financial Network
- Legal name
- Winters Financial Network
- Website
- https://wintersfinancial.com
- Company type
- Private
- Founded year
- 1963
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Winters Financial Network is a third-generation, family-owned independent insurance agency in Cincinnati, OH, distributing business, personal, and employee benefits coverage from 13+ top-rated carriers to SMBs, individuals, and employers across the Ohio-Kentucky tri-state region.
- Ownership category
- akta.pro rank
Winters Financial Network industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
Keywords
Where Winters Financial Network is headquartered
LocationHeadquarters
- HQ city
- Cincinnati
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Winters Financial Network 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, revenue is generated through commissions paid by insurance carrier partners on policies sold and renewed. The agency offers business insurance, personal insurance, and employee benefits products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing for all insurance products |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Winters Financial Network product offering
Product offeringCore offering
Winters Financial Network is a third-generation family-owned independent insurance agency that sells business insurance, personal insurance, and employee benefits products to clients in the greater Cincinnati and tri-state region. As an independent agency, it represents multiple top-rated insurance carriers to provide customers with coverage choice and competitive pricing, earning commissions from carriers on policies sold and renewed.
Product overview
Winters Financial Network is an independent insurance agency offering a comprehensive suite of insurance solutions through three main product lines: Business Insurance (including Business Auto, General Liability, Business Owners Policy/BOP, Commercial Umbrella, Workers' Compensation, Property, Cyber Liability, Employment Practices, E&O, D&O, Flood, Crime, Builders Risk, Liquor Liability, Special Event, Surety Bonds, Ocean/Inland Marine, Environmental, Systems Breakdown, Key Man Life, Fiduciary Liability, and Natural Disaster coverage), Personal Insurance (including Auto, Home, Individual Life, Flood, Renters, Condo, Motorcycle, Off-Road Vehicle, RV, Watercraft, Classic Car, Pet, Wedding, Earthquake, Mobile Home, Sinkhole, Rental Property, Valuable Possessions, Excess Liability, Umbrella, High Net Worth, Yacht, Secondary Home, Child Life, Long-Term Disability, Long-Term Care, and Medicare Supplement coverage), and Employee Benefits (including Group Health, Group Dental, Group Vision, Disability, Flexible Spending Account, Employee Assistance Plan, Group Voluntary Benefits, Life/AD&D, and Long-Term Care). As an independent agency, they represent multiple insurance carriers to provide choice and competitive pricing to clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Insurance Comprehensive commercial insurance product line for small to mid-sized businesses including Business Auto, General Liability, Business Owners Policy (BOP), Commercial Umbrella, Workers' Compensation, Commercial Property, Cyber Liability, EPLI, E&O, D&O, Flood, Crime, Builders Risk, Liquor Liability, Special Event, Surety Bonds, Ocean/Inland Marine, Environmental, Systems Breakdown, Key Man Life, Fiduciary Liability, Natural Disaster, and Risk Management services.
- Personal Insurance Personal lines insurance product line for individuals and families including Auto, Home, Individual Life, Flood, Renters, Condo, Motorcycle, Off-Road Vehicle, RV, Watercraft, Classic Car, Pet, Wedding, Earthquake, Mobile Home, Sinkhole, Rental Property, Valuable Possessions, Excess Liability, Personal Umbrella, High Net Worth, Yacht, Secondary Home, Child Life, Long-Term Disability, Long-Term Care, and Medicare Supplement coverage.
- Employee Benefits Group employee benefits brokerage for employers including Group Health, Group Dental, Group Vision, Group Disability, Flexible Spending Accounts, Employee Assistance Plans, Group Voluntary Benefits, Group Life, Life and AD&D, and Group Long-Term Care insurance.
Companies that use Winters Financial Network
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Winters Financial Network technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Winters Financial Network partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core.
- Grange InsurancecoreProud Grange Agency partner. Grange is a leading insurance carrier providing personal and business insurance products. As a Grange agency, Winters Financial Network represents Grange Insurance to provide coverage options to clients.
- Acuity MutualcoreInsurance carrier partner providing business and commercial insurance products.
- American Modern Insurance GroupcoreInsurance carrier partner specializing in specialty insurance products.
- Celina InsurancecoreRegional insurance carrier providing property and casualty insurance products.
- ChubbcoreGlobal insurance carrier providing commercial and personal insurance products including high net worth coverage.
- CNAcoreCommercial insurance carrier specializing in business insurance, professional liability, and property coverage.
- Great American Insurance GroupcoreDiversified insurance organization providing commercial and specialty insurance products.
- Guide One InsurancecoreInsurance carrier focused on religious institutions, schools, and community organizations.
- HartfordcoreLeading insurance carrier providing business and personal insurance products including workers compensation.
- Liberty Mutual InsurancecoreNational insurance carrier providing business and personal insurance products.
- MerchantscoreInsurance carrier providing commercial insurance products for small to mid-sized businesses.
- State Auto MutualcoreRegional insurance carrier providing personal and business insurance products.
- West Bend MutualcoreRegional insurance carrier providing personal and commercial insurance products primarily in the Midwest.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Winters Financial Network competitors and assessment
Company assessmentBroad incumbents
- Lockton Companies: World's largest independent insurance brokerage. Comparable as a carrier-agnostic advisory model serving commercial and benefits clients, though Lockton operates at substantially larger enterprise scale than Winters.
- USI Insurance Services: National insurance brokerage and advisory firm with a strong middle-market commercial and benefits practice. Comparable as a scaled, multi-carrier independent model competing in the same client segments Winters serves.
- Marsh McLennan: Global insurance brokerage and risk advisory leader. Comparable as the dominant incumbent competing for mid-market and commercial accounts in Ohio/Kentucky, with overlapping capabilities across all of Winters' product lines.
- AssuredPartners: Large national insurance brokerage built via aggressive roll-up of regional independents. Represents both a competitor for mid-market commercial placements in Ohio/Kentucky and the most likely strategic acquirer of agencies like Winters.
Emerging players
- Brown & Riding Insurance Services: National wholesale insurance brokerage and managing general agent. Comparable as a specialty distribution intermediary that competes for placement of complex and niche commercial risks that Winters also brokers.
- Hilb Group: Growth-oriented insurance brokerage actively acquiring regional independents across the Midwest and Mid-Atlantic. Comparable as a multi-line independent competitor and potential acquirer of agencies Winters' size.
Regional players
- Westfield Insurance: Ohio-based mutual insurance carrier with strong distribution throughout the Midwest. Comparable to one of Winters' carrier partners (West Bend-style regional carrier) and operates in the same geographic footprint.
- The Cincinnati Insurance Companies: Regional property and casualty carrier headquartered in Fairfield, Ohio (Greater Cincinnati). Highly comparable on geography and on serving Cincinnati-area commercial and personal lines clients, though it is a carrier rather than an agency.
Direct peers
- Hylant Group: Large privately-held independent insurance brokerage headquartered in Toledo, Ohio. Closely comparable to Winters as an Ohio-based independent agency representing multiple top-rated carriers across commercial, personal, and employee benefits lines.
- IMA Financial Group: Independent insurance brokerage serving commercial, personal, and benefits clients across multiple U.S. regions. Comparable to Winters as a multi-line independent agency competing on carrier choice and advisory-led service.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Winters Financial Network social profiles
Digital presenceWinters Financial Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
Winters Financial Network leadership team
Management profileNumber of profiles
Profiles8 records
Winters Financial Network funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Winters Financial Network 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 Winters Financial Network
What does Winters Financial Network do?
Winters Financial Network is a third-generation family-owned independent insurance agency that sells business insurance, personal insurance, and employee benefits products to clients in the greater Cincinnati and tri-state region. As an independent agency, it represents multiple top-rated insurance carriers to provide customers with coverage choice and competitive pricing, earning commissions from carriers on policies sold and renewed.
Is Winters Financial Network a public or private company?
Winters Financial Network is a private company. It is classified as family owned and is currently operating.
When was Winters Financial Network founded?
Winters Financial Network was founded in 1963. It employs 11 to 50 people.
Where is Winters Financial Network based?
Winters Financial Network is headquartered in Cincinnati, United States, in the North America region.
How does Winters Financial Network make money?
One revenue line is on record: insurance Commissions.
Who are Winters Financial Network's main competitors?
Broad incumbents on record are Lockton Companies, USI Insurance Services, Marsh McLennan and AssuredPartners. Emerging players are Brown & Riding Insurance Services and Hilb Group. Regional players are Westfield Insurance and The Cincinnati Insurance Companies. Direct peers are Hylant Group and IMA Financial Group.
Does Winters Financial Network have an API?
No public API is recorded for Winters Financial Network.
What industry is Winters Financial Network in?
Winters Financial Network's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution. Its NAICS code is 5242 and its SIC code is 6411.