Naccarato Insurance

What Naccarato Insurance does

Naccarato Insurance is a privately held, independent insurance agency founded in 1963 and headquartered in Saugerties, New York. The firm offers life, auto, personal, and health insurance products, positioning it as a multi-line retail brokerage serving individual consumers and likely small local businesses in the Hudson Valley region of upstate New York. With an employee headcount in the 11-50 range, Naccarato operates as a small, relationship-driven local agency rather than a regional or national carrier or brokerage platform.

No detailed product, pricing, technology, distribution, or carrier-partnership information was available in the source material. The company's public website (naccaratoinsurance.com) rendered only a placeholder verification page at the time of data collection, so specifics on carrier appointments, digital servicing capabilities, quoting technology, commission structures, or specialty niches could not be verified. Likewise, no information was disclosed on management team, ownership structure, customer segments beyond the product mix, geographic service area beyond the Saugerties base, regulatory actions, M&A history, or any funding or capital activity.

As a 60-plus-year-old small independent agency, the business model is consistent with the traditional independent agency channel: carriers pay commissions on placed policies and sometimes override or contingent commissions, with revenue tied to premium volume, retention, and cross-sell. The lack of disclosed technology stack, mobile applications, or digital distribution channels suggests a conventional brick-and-mortar operating model. Any investment-grade assessment of Naccarato Insurance would require first-party data on commission income, book of business, carrier mix, producer count, and ownership/transition plans, none of which were present in the available source material.

Name

Naccarato Insurance

Website

https://naccaratoinsurance.com

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

11–50 employees

Short description

Naccarato Insurance is a privately held, independent insurance agency founded in 1963 in Saugerties, New York, offering life, auto, personal, and health insurance products to individual consumers and small local clients in the Hudson Valley region.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

Variable Universal Life (VUL) Insurance (FSAIABAD), General Liability Insurance (FSAJAMAE), Personal Umbrella Insurance (FSAJANAA)

Keywords

• Personal insurance services
• Life insurance coverage
• Auto insurance policies
• Health insurance plans
• Independent insurance agency

Headquarters

HQ city

Saugerties

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

Naccarato Insurance is a private insurance agency that provides life, auto, personal, and health insurance products to individual consumers. Operating from Saugerties, United States, the firm functions as a multi-line insurance agency placing coverage on behalf of carriers for personal risk protection needs. The company has been in business since 1963 and serves customers through direct agency relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance
• Auto Insurance
• Personal Insurance
• Health Insurance

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Emerging players

• Lemonade: Direct-to-consumer digital insurer selling renters, home, auto, pet, and life insurance online. Competes for the same personal lines customers as Naccarato but via a fully digital, AI-driven model that bypasses the local agency channel entirely.
• Policygenius: Digital insurance marketplace focused on life, disability, and personal lines comparison and distribution. Overlaps with Naccarato's life and personal lines offerings but competes via an online, self-service channel rather than a local advisory model.

Regional players

• Erie Insurance: Regional P&C carrier with a strong Mid-Atlantic and Northeast agency footprint, including New York. Comparable to Naccarato in reliance on independent agent distribution and personal/small-commercial line focus, but anchored in a different primary operating region.
• Brown & Riding Insurance Services: Independent insurance brokerage and wholesale firm operating across personal and specialty lines. Comparable in being an independent brokerage model, though typically oriented toward larger or specialty risks rather than local household accounts.

Broad incumbents

• State Farm (local agent model): Captive agency model competing for the same personal lines customers (auto, home, life, health) in the same Saugerties-area market. A broader incumbent with substantially more resources, agent density, and brand recognition, but addresses the same household insurance need.
• Hub International: National insurance brokerage built largely through acquisitions of regional independent agencies. Directly comparable in business model (multi-line retail brokerage), though significantly larger and with broader geographic and product footprint.
• Acrisure: Large-scale insurance brokerage roll-up platform that actively acquires small independent agencies like Naccarato. Operates in the same brokerage channel with overlapping personal and commercial product offerings, though at far greater scale.
• Allstate (local agent model): National carrier selling through a local captive agent network in personal lines (auto, home, life). Overlaps with Naccarato's core personal insurance book and competes for the same household customer relationships in the region.
• Liberty Mutual: Major national P&C carrier with personal and small-commercial lines sold through both direct and agent channels. Comparable in product coverage but operates at vastly greater scale and with direct-to-consumer digital capabilities.

Direct peers

• Hauppauge-based independent insurance agencies (Hudson Valley / NY regional independents): Small, multi-line independent insurance agencies operating in the New York Hudson Valley region. Directly comparable to Naccarato in customer base (local households and small businesses), product mix (personal auto, home, life, health), and brokerage-led business model.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights4 records

Customer concentration

• Xx.com/naccaratoins

Revenue estimate

Valuation estimate

Number of profiles

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 Naccarato Insurance