Branch Insurance Agency

What Branch Insurance Agency does

Branch Insurance Agency, Inc. is a privately held, family-owned independent insurance agency operating two physical offices in Michigan — the Coldwater headquarters at 24 N Monroe St and the A1 Ford-Branch-Smith Agency location at 1351 E Michigan Ave in Saline. The firm traces its origins to the Melvin Blue Agency of Quincy, Michigan, founded in December 1947 and renamed Branch Insurance Agency in October 1973, with ownership concentrated in the Massey family since Harold Massey acquired full control in 1984. The current second-generation leadership comprises his sons Jim Barnes (Co-owner/Producer) and Chad Massey (Office Manager), with Harold continuing part-time and Diana Massey having retired in 2015.

The agency functions as a multi-line independent insurance distributor, offering auto, homeowners, business and commercial (BOP, commercial auto, general liability, workers compensation), health, Medicare, and watercraft insurance by shopping a network of eight-plus carriers on the customer's behalf — including Progressive, Frankenmuth Insurance, Grange, Hastings Mutual, Bristol West, Foremost, Blue Cross Blue Shield of Michigan, and Hagerty. The firm employs approximately 12 people across producer, office management, and customer service representative roles. Its technology footprint is minimal and undifferentiated: the website runs on the third-party Insurance Website Builder platform, supplemented by online quote request forms and a Refer-a-Friend program. No proprietary systems, mobile apps, APIs, or AI-driven capabilities are identified.

Revenue is generated entirely on a commission basis from the sale and renewal of insurance policies across the multiple product lines; the firm carries no disclosed pricing model publicly, as carrier-set pricing is quote-based per individual risk profile. Two historical tuck-in acquisitions (A1 Ford Agency in 2008 and Carole Smith Agency in 2010) account for the second office and an expanded Michigan footprint. The agency serves Michigan-resident individuals and small-to-medium businesses across personal and commercial lines, with no enterprise customers, no external investment, and no public reporting.

Name

Branch Insurance Agency

Legal name

Branch Insurance Agency, Inc.

Website

https://branchins.com

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

1–10 employees

Short description

Branch Insurance Agency, Inc. is a family-owned independent insurance agency in Michigan that shops multiple carriers on behalf of customers across auto, home, business, health, Medicare, and watercraft lines, operating two offices in Coldwater and Saline.

Ownership category

akta.pro rank

Headquarters

HQ city

Coldwater

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Policy Sales Commission: Independent insurance agency earns commissions from multiple insurance carriers for policies sold. Agents represent and shop a network of trusted insurance providers to help customers select appropriate coverage. Revenue is commission-based, derived from the sale and renewal of insurance policies across multiple product lines including auto, homeowners, business, health, Medicare, and watercraft insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Branch Insurance Agency is an independent insurance agency that represents multiple insurance carriers and sells personal and commercial insurance policies on behalf of customers in Michigan. Licensed agents shop a network of trusted insurance providers and place coverage across auto, homeowners, business/commercial (BOP, commercial auto, general liability, workers compensation), health, Medicare, and watercraft lines. The agency earns commissions on policies sold and renewed, providing individualized in-person, phone, and online-quote-based service through two Michigan offices.

Product overview

Branch Insurance Agency is a full-service independent insurance agency operating two locations in Michigan (Branch Insurance Agency, Inc in Coldwater and A1 Ford-Branch-Smith Agency in Saline). The agency offers a portfolio of insurance products including Auto Insurance, Business & Commercial Insurance (BOP, Commercial Auto, General Liability, Workers Compensation), Health Insurance, Homeowners Insurance, Medicare Insurance, and Watercraft & Boat Insurance. As an independent agency, they shop multiple trusted insurance providers on behalf of customers. The agency provides an online quote forms platform for generating insurance quotes across all product lines.

Differentiator

Problem solved

Functional benefit

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered minor.

• Bristol WestminorChannel Partner/ Reseller/ DistributorInsurance carrier partner. Listed as payment processing option on the Branch Insurance Agency website for customers to make payments toward their Bristol West policies.
• Foremost Insurance GroupminorChannel Partner/ Reseller/ DistributorInsurance carrier partner listed as payment processing option and in helpful links section. Foremost provides specialty insurance products that Branch Insurance Agency sells to customers.
• Frankenmuth InsuranceminorChannel Partner/ Reseller/ DistributorRegional Michigan insurance carrier. Listed as payment processing option. Branch Insurance Agency offers Frankenmuth products to Michigan customers.
• Grange InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner. Listed as payment processing option and in helpful links. Grange provides personal and commercial insurance products sold through Branch Insurance Agency.
• ProgressiveminorChannel Partner/ Reseller/ DistributorMajor insurance carrier partner. Listed as payment processing option on the website. Branch Insurance Agency sells Progressive auto and other insurance products.
• Hastings MutualminorChannel Partner/ Reseller/ DistributorRegional insurance carrier partner listed in helpful links section. Provides commercial and personal insurance products.
• Blue Cross Blue Shield of MichiganminorChannel Partner/ Reseller/ DistributorHealth insurance carrier partner listed in helpful links. Branch Insurance Agency offers BCBSM health insurance products to customers.
• HagertyminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier partner for classic car and watercraft insurance. Listed in helpful links with claims and billing contact information.

Scale indicators3 records

Recent moves7 records

Expansion highlights3 records

Direct peers

• Leavitt Group: Leavitt Group is a large independent insurance agency network operating across multiple U.S. states with a multi-carrier brokerage model similar to Branch's, though at significantly greater scale. Directly comparable as a peer independent agency serving individuals and businesses with multi-line products.
• TrueNorth Companies: TrueNorth is a Midwest-based independent insurance, risk management, and financial services firm that represents multiple carriers for personal and commercial lines. Comparable to Branch in its independent agency model, multi-product offering, and focus on SMB and individual customers.

Broad incumbents

• Hub International: Hub International is a major North American insurance brokerage that places personal, commercial, and specialty coverage through multiple carrier relationships. Comparable to Branch in offering multi-line products via an independent broker model, though Hub operates at far greater national scale.
• Brown & Brown, Inc. Brown & Brown is one of the largest independent insurance brokerages in the U.S., providing personal, commercial, and specialty coverage via multiple carrier relationships. Comparable to Branch's independent agency model and product breadth, but operating nationally at substantially greater scale.
• Arthur J. Gallagher & Co. Arthur J. Gallagher is a global insurance brokerage and risk management firm providing personal, commercial, and benefits coverage through a multi-carrier network. Comparable to Branch as an independent multi-line broker, though at vastly greater scale and geographic reach.
• Acrisure: Acrisure is a fast-growing, technology-enabled insurance brokerage that places personal, commercial, and specialty insurance through carrier relationships. Comparable to Branch as an independent broker, with a much larger and rapidly scaled footprint and proprietary technology stack.
• Marsh McLennan Agency: Marsh McLennan Agency is the middle-market arm of Marsh, providing commercial and personal insurance brokerage, employee benefits, and risk advisory. Comparable to Branch as a multi-carrier broker for individuals and SMBs, with substantially greater scale.

Others

• Frankenmuth Insurance: Frankenmuth Insurance is a regional Michigan-based insurance carrier offering personal and commercial lines through independent agents, including Branch. Comparable as a partner in Branch's distribution model rather than a direct competitor.
• Hastings Mutual Insurance: Hastings Mutual is a regional Midwest property and casualty carrier selling through independent agents, including Branch. Comparable as a carrier partner in Branch's distribution network rather than a competitor.

Emerging players

• Lemonade: Lemonade is a direct-to-consumer insurtech offering homeowners, renters, pet, and auto insurance through a fully digital, AI-driven platform. Comparable as a competing distribution channel for personal lines insurance customers in Michigan, representing the digital disruptor threat to Branch's commission model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/branch-insurance-agency-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

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 Branch Insurance Agency