Clemens Insurance

What Clemens Insurance does

Clemens Insurance is a multi-line independent insurance agency headquartered in Bloomington, Illinois, founded in 1948 as The Lewis Buck Jones Agency and rebranded in 1960 when Don Clemens became a partner. The firm operates 6 branch offices across Illinois (Bloomington, Marion, Sesser, Jerseyville), Florida (Altamonte Springs), and Georgia (Newnan), and is licensed in 23 states. It represents 45+ insurance carriers and serves four primary customer segments: individuals and families seeking personal lines coverage, small to medium businesses requiring commercial insurance, employers offering employee benefits packages, and industry-specific verticals such as trucking, construction, agriculture, and restaurants.

The agency distributes a broad product portfolio organized into personal insurance (home, auto, motorcycle, life, Medicare, umbrella, flood, and specialty lines), business insurance (business auto, commercial umbrella, cyber liability, workers compensation, general liability, commercial property, fleet, D&O, EPLI, E&O, and others), and employee benefits (group health, dental, vision, supplemental life, disability, HSA/FSA, accident, critical illness, and telemedicine). Technology infrastructure is standard for the industry: the firm uses the third-party CSR 24 client portal for policy management, claims reporting, payments, and certificate requests, with no proprietary technology disclosed.

Revenue is generated through commissions from insurance carriers based on premium volume placed across personal, commercial, and benefits lines, with quote-based pricing determined by individual risk profiles and underwriting criteria. The go-to-market combines direct in-person consultations at branch offices, phone-based sales, online quote requests, and a self-serve client portal, supported by referral programs, community partnerships, and content marketing. Ownership remains private and family-controlled, with Jeffrey L. Niepagen and Richard J. Percy holding controlling interest since 2013; no institutional, PE, or VC backing is disclosed.

Name

Clemens Insurance

Legal name

Clemens Insurance

Website

https://clemensinsurance.com

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

11–50 employees

Short description

Clemens Insurance is a multi-line independent insurance agency founded in 1948 and headquartered in Bloomington, Illinois, representing 45+ carriers across personal, commercial, and employee benefits lines from six offices in IL, FL, and GA.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH), Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance brokerage
• Employee benefits plans
• Trucking insurance specialty

Headquarters

HQ city

Bloomington

HQ country

United States

HQ region

North America

Offices6 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 Agency Commissions: Clemens Insurance earns commissions from insurance carriers for policies placed on behalf of clients. As an independent agency representing 45+ insurance companies, they receive compensation from carriers based on premium volume and policy placements across personal insurance, business insurance, and employee benefits lines.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Clemens Insurance is an independent insurance agency that places personal, business, and employee-benefits policies on behalf of clients through 45+ carrier partnerships. The agency brokers coverage for individuals (home, auto, motorcycle, Medicare, life, umbrella, flood, classic car, RV, watercraft, travel, pet, dental, vision) and businesses (business auto, commercial umbrella, cyber liability, workers compensation, general liability, commercial property, fleet, D&O, EPLI, E&O, builders risk, trucking, contractor, farm, church, restaurant, technology firm insurance), plus group benefits (health, dental, vision, life, disability, HSA, FSA, accident, telemedicine). It is licensed in 23 states and operates six offices across Illinois, Florida, and Georgia.

Product overview

Clemens Insurance is an independent insurance agency headquartered in Bloomington, Illinois, representing over 45 insurance companies. The company offers a comprehensive portfolio organized into three main product categories: Personal Insurance (home, auto, motorcycle, Medicare, life, condo, umbrella, renters, RV, flood, classic car, watercraft, wedding, travel, pet, dental, health, and vision insurance), Business Insurance (business auto, commercial umbrella, cyber liability, workers compensation, general liability, commercial property, business owners, fleet, D&O, EPLI, E&O, business interruption, crime, inland marine, builders risk), and Employee Benefits (group health, dental, vision, supplemental life, disability, critical illness, HSA, FSA, accident, and telemedicine). The agency also provides industry-specific insurance solutions covering over 80 industries including trucking, carpentry, contracting, farming, churches, restaurants, and technology firms. The company operates multiple service tools including an online CSR 24 client portal for policy management and claims processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Individual and family insurance coverage including home, auto, motorcycle, condo, life, Medicare, umbrella, renters, RV, flood, classic car, watercraft, wedding, travel, pet, dental, health, and vision insurance for personal protection of assets and liability.
• Home Insurance

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

21 partnerships are on record, tiered core and minor.

• Hanover Insurance GroupcoreChannel Partner/ Reseller/ DistributorPrimary carrier partner prominently featured on homepage. One of the key insurance companies represented by Clemens Insurance for commercial and personal lines coverage.
• Grange InsurancecoreChannel Partner/ Reseller/ DistributorKey carrier partner highlighted on website. Provides personal and commercial insurance products through Clemens Insurance agency.
• AcuitycoreChannel Partner/ Reseller/ DistributorProperty & Casualty insurance carrier providing coverage options for business and personal lines.
• Auto OwnerscoreChannel Partner/ Reseller/ DistributorProperty & Casualty insurance carrier offering auto, home, and business coverage through independent agents.
• CNAcoreChannel Partner/ Reseller/ DistributorCommercial lines insurance carrier specializing in business insurance products including commercial property, general liability, and professional liability.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier providing a wide range of personal and commercial insurance products.
• The HartfordcoreChannel Partner/ Reseller/ DistributorCommercial insurance carrier specializing in business insurance, workers compensation, and auto coverage.
• TravelerscoreChannel Partner/ Reseller/ DistributorCommercial and personal lines carrier offering property, casualty, and auto insurance products.
• ProgressivecoreChannel Partner/ Reseller/ DistributorPersonal and commercial auto insurance carrier offering coverage through independent agents.
• AetnacoreChannel Partner/ Reseller/ DistributorHealth insurance carrier providing group health plans and individual health coverage options.
• BCBS (Blue Cross Blue Shield)coreChannel Partner/ Reseller/ DistributorMajor health insurance carrier offering comprehensive medical coverage plans for individuals and groups.
• CignacoreChannel Partner/ Reseller/ DistributorHealth insurance carrier providing medical, dental, and supplemental health coverage options.
• HumanacoreChannel Partner/ Reseller/ DistributorHealth insurance carrier specializing in Medicare Advantage and individual health coverage.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorMajor health insurance carrier offering comprehensive medical coverage and employee benefits products.
• GuardiancoreChannel Partner/ Reseller/ DistributorLife and disability insurance carrier providing group and individual life, dental, and vision coverage.
• UnumcoreChannel Partner/ Reseller/ DistributorBenefits insurance carrier specializing in group life, disability, accident, and critical illness coverage.
• Delta DentalcoreChannel Partner/ Reseller/ DistributorDental insurance carrier providing group and individual dental coverage plans.
• EyeMedcoreChannel Partner/ Reseller/ DistributorVision insurance carrier providing group and individual vision coverage options.
• VSPcoreChannel Partner/ Reseller/ DistributorVision insurance carrier offering comprehensive vision care coverage for individuals and groups.
• GeicominorChannel Partner/ Reseller/ DistributorPersonal auto insurance carrier available through select independent agents.
• HagertycoreChannel Partner/ Reseller/ DistributorClassic car insurance specialist providing coverage for collector vehicles.

Scale indicators4 records

Recent moves17 records

Expansion highlights5 records

Direct peers

• Higginbotham: Largest independent insurance brokerage in Texas with multi-line P&C, employee benefits, and personal lines offerings across multiple states. Directly comparable in business model (independent agency, multi-carrier representation, commercial focus) to Clemens Insurance.
• Heffernan Insurance Brokers: West Coast-based independent insurance brokerage providing multi-line commercial and personal insurance with similar carrier-representation model. Comparable in size, scope, and customer segments to Clemens Insurance.
• Haake Companies: Midwest-based independent insurance agency with multi-line offerings including personal, commercial, employee benefits, and industry-specific products. Closely comparable to Clemens in regional Midwest positioning and product breadth.
• Brown & Brown: National insurance brokerage firm operating through decentralized offices providing multi-line commercial and personal insurance. Comparable business model and customer base, though at materially larger scale than Clemens.
• Assurex Global: Partnership network of independent insurance agencies providing multi-line commercial and personal coverage across the US. Member agencies operate under similar independent, multi-carrier distribution models as Clemens.
• Woodruff-Sawyer & Co. Independent commercial insurance brokerage offering multi-line coverage including commercial property, casualty, employee benefits, and personal lines. Comparable in independent agency model and product breadth.
• Keystone Insurers Group: Network of independent insurance agencies providing multi-line P&C, personal lines, and benefits across multiple states. Operates as a partner/shareholder model for agencies like Clemens with similar carrier relationships and customer mix.

Broad incumbents

• COUNTRY Financial: Large regional insurance and financial services company operating in the Midwest with multi-line P&C, life, and investment products. Comparable in Illinois/Midwest market focus and product breadth, though as a carrier rather than pure agency.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm providing multi-line commercial insurance, benefits, and risk consulting. Operates in overlapping customer segments as a much larger incumbent in the same industry.
• Marsh McLennan: Global professional services firm providing insurance brokerage, risk management, and consulting services. Overlaps in commercial insurance brokerage and benefits administration but operates at vastly larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/clemensins
• Facebookfacebook.com/ClemensInsurance
• LinkedInlinkedin.com/company/clemens-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Clemens Insurance