Combined Insurance Agencies

Name

Combined Insurance Agencies

Legal name

The Nulty Agency, LLC

Website

https://ciainsurancemi.com

Company type

Private

Founded year

1945

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Leads, Introducers & Referral Networks (FSAEAMAB)

Keywords

• Independent insurance agency
• Personal insurance services
• Business insurance coverage
• Employee benefits brokerage
• Commercial insurance solutions

Headquarters

HQ city

Saint Joseph

HQ country

United States

HQ region

North America

Offices5 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 Commission Revenue: The agency generates revenue through commissions paid by insurance carriers for placing personal, business, and employee benefits insurance policies. As an independent agency, they represent multiple insurance companies and earn commissions based on policy premiums written.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Combined Insurance Agencies, doing business as Nulty Insurance Agency, is an independent insurance agency that sells personal, business, and employee benefits insurance coverage in West Michigan. As an appointed agent of more than 20 insurance carriers, the agency places policies on behalf of individuals, families, and businesses and earns carrier commissions on premiums written. Service is delivered through five Michigan offices, online quote requests, and a 24/7 client center portal for claims, billing, certificates, and policy changes.

Product overview

Nulty Insurance Agency is an independent insurance agency offering a comprehensive suite of insurance solutions to protect individuals and businesses from unexpected events. The agency's portfolio is organized into three core product lines: Personal Insurance (auto, home, renters, life, health, and Medicare coverage), Business Insurance (workers' compensation, general liability, commercial property, business auto, and cyber liability coverage), and Employee Benefits (group health, dental, vision, disability, and life/AD&D coverage). The agency also provides a Client Center with online tools for claims reporting, bill payment, certificate requests, policy changes, and ID card requests. Strategic partnerships with United Benefit Advisors (UBA) and Keystone Insurers Group extend the agency's reach and resources for employee benefits and commercial insurance solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal lines insurance coverage for individuals and families, including auto, home, renters, individual life, individual health, and Medicare products sourced through multiple carrier partnerships.
• Business Insurance Commercial insurance coverage for small and mid-sized businesses, including workers' compensation, general liability, commercial property, business auto, and cyber liability insurance placed with leading carriers.
• Employee Benefits Group benefits brokerage for employers, including group health, dental, vision, disability, and life and accidental death and dismemberment (AD&D) insurance, with HR compliance resources and audit support.
• Auto Insurance Personal automobile insurance coverage for individual policyholders, placed across multiple carriers for competitive selection.
• Home Insurance Homeowners insurance coverage for personal residences, tailored to property and liability risk profiles.
• Renters Insurance Personal property and liability coverage for renters.
• Individual Life Insurance Personal life insurance coverage for individuals and families.
• Individual Health Insurance Personal health insurance coverage for individuals not covered by employer-sponsored plans.
• Medicare Insurance Medicare insurance products for seniors and eligible individuals.
• Workers' Compensation Insurance Workers' compensation coverage for businesses to protect employees from work-related injuries and illnesses.
• General Liability Insurance Commercial general liability coverage protecting businesses from third-party bodily injury and property damage claims.
• Commercial Property Insurance Commercial property coverage for business buildings, equipment, and assets.
• Business Auto Insurance Commercial automobile insurance coverage for business vehicles and fleets.
• Cyber Liability Insurance Insurance coverage protecting businesses against cyber threats, data breaches, and related liability.
• Group Health Insurance Employer-sponsored group health insurance plans for employees and dependents.
• Group Dental Insurance Employer-sponsored dental insurance plans for employees.
• Group Vision Insurance Employer-sponsored vision insurance plans for employees.
• Disability Insurance Income protection insurance for employees unable to work due to short- or long-term disability.
• Life and Accidental Death and Dismemberment Insurance Employer-sponsored group life and AD&D coverage for employees.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

Partnerships

Two partnerships are on record, tiered core.

• United Benefit Advisors (UBA)coreStrategic or Co-development PartnerNulty Insurance Agency is a proud partner of United Benefit Advisors, a network of more than 140 premier independent benefit advisory firms with over 200 offices globally. This partnership provides access to shared wisdom, national survey data, HR-related tools, and actuarially developed cost management resources. UBA ranks among the top 10 largest employee benefits networks and top 5 largest employee benefit brokerage organizations in the US.
• Keystone Insurers GroupcoreStrategic or Co-development PartnerNulty Insurance Agency is a proud partner of Keystone Insurers Group, a community of independent insurance agencies focused on providing peace of mind in neighborhoods and communities. This partnership provides added resources for complex insurance solutions, risk management, employee benefits, and financial services. Keystone supports access to specialized expertise, national-level carrier relationships, and ongoing professional development for the agency team.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• HUB International: HUB International is a large insurance brokerage that places personal, commercial, and employee-benefit coverage through multiple carriers. Its broad multi-line intermediary model and carrier relationships are closely comparable to Nulty's, although HUB operates at substantially greater scale.
• USI Insurance Services: USI Insurance Services is a national insurance brokerage and consulting firm serving businesses and individuals across property-casualty and employee benefits. Its multi-carrier distribution and broad risk-solutions offering directly overlap Nulty's personal, business, and benefits operations.
• AssuredPartners: AssuredPartners is an insurance brokerage providing commercial, personal, and employee-benefit solutions through carrier relationships. It is comparable to Nulty because both act as independent intermediaries serving similar risk and benefits needs across multiple product lines.
• Alera Group: Alera Group is a national insurance and financial-services firm offering property-casualty, employee benefits, and related advisory services. Its multi-line brokerage model and focus on middle-market and smaller clients are highly comparable to Nulty's offering.
• OneDigital: OneDigital is an insurance and employee-benefits platform focused on employers and individuals. It overlaps materially with Nulty's employer benefits, health, life, disability, and related HR-support activities, though it operates at a larger scale.
• NFP: NFP is an insurance brokerage and consulting firm serving corporate and individual clients through property-casualty, benefits, and related services. Its multi-line, advisor-led model is comparable to Nulty's placement and service model.
• Leavitt Group: Leavitt Group is a network of independent insurance agencies offering personal, commercial, and employee-benefit products. Its independent agency structure, carrier access, and community-oriented distribution closely resemble Nulty's model.
• Acrisure: Acrisure is a global insurance brokerage and financial-services platform with commercial and consumer insurance capabilities. It is comparable to Nulty in arranging coverage through multiple insurer relationships, although Acrisure is vastly larger and more diversified.

Regional players

• Hylant: Hylant is a Midwest-focused insurance brokerage providing personal, commercial, and employee-benefit solutions. It is comparable to Nulty in multi-line product breadth, local relationship-driven service, and a strong presence in the broader Midwest market.
• Kapnick Insurance Group: Kapnick Insurance Group is a Michigan-based independent insurance and benefits agency serving individuals and businesses. Its regional footprint and mix of personal, commercial, and employee-benefit coverage make it one of the closest operating peers to Nulty.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NultyInsurance
• LinkedInlinkedin.com/company/nulty-insurance
• Instagraminstagram.com/nultyinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Combined Insurance Agencies