Paige & Byrnes Insurance

What Paige & Byrnes Insurance does

Paige & Byrnes Insurance is a family-owned independent insurance agency founded in 1921 and headquartered at 9400 E Market St, Warren, Ohio, serving the Northeast Ohio region including Canfield, Austintown, Hubbard, Howland, Cortland, Liberty, and Boardman. The agency is owned and operated by the Taylor family (Shelley, John, and David Taylor) and employs approximately 16 team members organized into three service teams: Personal Lines, Commercial Lines, and Life and Health. As an independent agency, Paige & Byrnes represents more than 30 insurance carriers including Progressive, Travelers, Liberty Mutual, Chubb, Cincinnati Insurance, Anthem, and Aetna, enabling it to offer a broad range of coverage options to individuals, families, and businesses.

The agency's product portfolio spans over 40 insurance products organized into three categories: Personal Insurance (auto, home, umbrella, life, Medicare supplement, plus specialty coverages such as motorcycle, RV, classic car, flood, earthquake, and watercraft), Business Insurance (commercial property, general liability, business owners policy, commercial umbrella, workers' compensation, cyber liability, EPLI, D&O, E&O, environmental, crime, key man life), and Employee Benefits (group health, dental, vision, 401(k), disability, FSA, EAP, voluntary benefits). Technology infrastructure is centered on the third-party InsurLink client portal, available as iOS and Android mobile apps plus a web portal, providing 24/7 self-service for claims reporting, policy changes, certificate and auto ID card requests, and bill pay. The agency also offers a registered "Clickable Coverage" interactive education tool for risk awareness.

The business model is commission-based revenue earned from carriers on policies placed and renewed, with quote-based pricing varying by customer circumstances and selected carrier. Go-to-market is sales-led through licensed insurance advisors reachable via phone, email, in-person at the Warren office, or online quote forms, supplemented by a referral program that pays $10 Giant Eagle gift cards to both referrer and referred party upon a quote request, with an additional $10 donation to local charity per referral. Marketing channels include a content blog, organic social presence on Facebook, LinkedIn, Instagram, and Pinterest, and email communications to clients.

Name

Paige & Byrnes Insurance

Legal name

Paige & Byrnes Insurance

Website

https://paigebyrnes.com

Company type

Private

Founded year

1921

Operating status

Operating

Headcount range

11–50 employees

Short description

Paige & Byrnes Insurance is a family-owned independent insurance agency founded in 1921, headquartered in Warren, Ohio. It serves Northeast Ohio individuals, families, and businesses through 30+ carrier appointments across personal, commercial, and employee benefits lines.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance solutions
• Employee benefits brokerage
• Multi-carrier insurance agent

Headquarters

HQ city

Warren

HQ country

United States

HQ region

North America

Offices1 record

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 Commissions: As an independent insurance agency, Paige & Byrnes earns commissions from insurance companies for policies placed. They represent multiple carriers and earn commissions on each policy sold or renewed.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Paige & Byrnes Insurance is an independent insurance agency that brokers personal, business, and employee benefits insurance products on behalf of multiple carriers. They sell policies directly to individuals, families, and businesses through licensed insurance advisors and a 24/7 client portal, earning commissions from carriers such as AAA, Aetna, Aflac, Chubb, Cincinnati Insurance, Liberty Mutual, Progressive, and Travelers.

Product overview

Paige & Byrnes Insurance is an independent insurance agency offering a comprehensive suite of insurance solutions organized into three main categories: Personal Insurance, Business Insurance, and Employee Benefits. The agency's product portfolio spans over 40 distinct insurance products and services. Personal Insurance includes auto, home, umbrella, life, Medicare supplement, and various specialty coverages (motorcycle, RV, classic car, flood, earthquake). Business Insurance offers commercial property, general liability, business owners policies (BOP), commercial umbrella, workers' compensation, cyber liability, and various specialty coverages (environmental, crime, EPLI, D&O, E&O). Employee Benefits encompasses group health, dental, vision, 401(k), disability, flexible spending accounts, and voluntary benefits. As an independent agency, they represent multiple insurance carriers to provide clients with choice and competitive pricing. The agency also provides a client portal powered by InsurLink for 24/7 account management.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto insurance covering vehicles against accidents, theft, damage, and liability, including bodily injury liability, property damage, medical payments, uninsured/underinsured motorist, and physical damage coverage. Sold to individuals and families.
• Home Insurance
• Personal Umbrella Insurance
• Individual Life Insurance
• Medicare Supplement Insurance
• Renters Insurance
• Condo Insurance
• Motorcycle Insurance
• RV Insurance
• Classic Car Insurance
• Personal Flood Insurance
• Earthquake Insurance
• Mobile Home Insurance
• Commercial Property Insurance
• General Liability Insurance
• Business Owners Insurance (BOP)
• Commercial Umbrella Insurance
• Business Auto Insurance
• Workers' Compensation Insurance
• Cyber Liability Insurance
• Employment Practice Liability Insurance (EPLI)
• Errors & Omissions Liability Insurance (E&O)
• Directors & Officers Liability Insurance (D&O)
• Environmental Insurance
• Key Man Life Insurance
• Group Health Insurance
• Group Dental Insurance
• Group Vision Insurance
• 401(k) Retirement Plans
• Disability Insurance

Quantifiable outcome

• Best Insurance Agency nomination in 2019 and 2nd place Silver Readers Choice award in 2022 by Warren Tribune

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Three partnerships are on record, tiered minor.

• Trusted ChoiceminorStrategic or Co-development PartnerProud member of Trusted Choice, an association of independent insurance agencies. Provides access to resources, training, and brand recognition for independent agents.
• Regional ChamberminorStrategic or Co-development PartnerProud member of the Regional Chamber, supporting local business community in Northeast Ohio.
• Ohio Insurance AgentsminorStrategic or Co-development PartnerProud member of Ohio Insurance Agents association, providing industry representation and resources.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Arthur J. Gallagher & Co. One of the largest global insurance brokerage and risk management firms. Comparable as a multi-line insurance intermediary but operates at vastly greater scale with global reach, proprietary technology platforms, and dedicated M&A advisory capabilities Paige & Byrnes cannot match.
• Brown & Brown, Inc. Large diversified insurance brokerage operating across commercial, personal, and benefits lines through a network of regional offices. Directly comparable business model (multi-line independent brokerage) but at enterprise scale with thousands of employees and public-company resources.
• Hub International: Major North American insurance brokerage with strong regional office network across the Midwest and Northeast. Offers similar personal, commercial, and benefits brokerage services but with private-equity backing enabling rapid M&A roll-up of smaller agencies like Paige & Byrnes.
• Progressive: Major insurance carrier that Paige & Byrnes represents as a distribution partner, but also a direct-to-consumer competitor. Progressive's direct channels (and aggregator partnerships) increasingly bypass agents like Paige & Byrnes, pressuring independent agency commissions.
• Cincinnati Financial: Ohio-based insurance carrier that Paige & Byrnes represents through its independent agency partnership. While a carrier rather than a peer agency, its regional mutual model and Ohio concentration parallel Paige & Byrnes' own geographic and relationship-driven approach.
• Celina Insurance Group: Ohio-based regional insurance carrier partnered with Paige & Byrnes, where COO Sharon Evinsky holds an advisory seat. Carrier counterpart rather than direct peer but operates in overlapping Midwest commercial market with mutual mutual-company culture.

Direct peers

• Acrisure: Tech-enabled insurance brokerage that has rapidly consolidated independent agencies. Operates the same multi-line brokerage model as Paige & Byrnes but with proprietary technology investments and aggressive roll-up strategy that could eventually acquire or compete with smaller agencies.
• Goosehead Insurance: Public independent insurance agency franchise with similar multi-carrier brokerage model across personal and commercial lines. Comparable value proposition (carrier choice, advisory service) but operates via franchise model and digital-first acquisition channel rather than legacy walk-in agency.

Emerging players

• Lemonade: Digital-native insurance carrier using AI-driven underwriting and zero-commission model. Not a direct brokerage competitor but represents the structural threat disintermediating traditional agents by offering renters, home, and auto coverage without human intermediaries.

Others

• InsurLink: Third-party client portal technology provider powering Paige & Byrnes' 24/7 self-service app and web portal. An enabling technology vendor rather than a competitor, but illustrates the broader agency-technology ecosystem Paige & Byrnes depends on for digital capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/paigebyrnes
• LinkedInlinkedin.com/company/paige-&-byrnes-insurance
• Instagraminstagram.com/paigebyrnes_1921
• Pinterestpinterest.com/paige_byrnes/pins
• Xx.com/pb_insurance

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&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Paige & Byrnes Insurance