Brown Insurance Group
Brown Insurance Group is a privately held, independent insurance agency in Highland, Indiana, distributing personal, commercial, life, and employee benefits products across five states as a member of the Keystone Insurers Group network, serving individuals, local SMBs, nonprofits, and government entities through a six-person consultative brokerage model.
- Company typePrivate
- Founded1950
- HeadquartersHighland, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Brown Insurance Group does
Brown Insurance Group is a privately held, independent insurance agency headquartered in Highland, Indiana, operating under continuous family ownership since its founding by Harry Koester shortly after World War II (listed as both 1946 and 1950 in different materials). The current owner and President is Tom Brown, son of prior owner Clyde Brown, supported by a six-person team organized into Commercial Lines, Personal Lines, Client Service, and Marketing/Operations functions. The firm is licensed to serve customers in five states — Indiana, Illinois, Michigan, Ohio, and Florida — and operates as a pioneer member of the Keystone Insurers Group network, which comprises 270+ independent agencies with collective annual sales in the billions.
The agency distributes a broad insurance and financial product catalog across four segments: Personal Lines (auto, home, condo, renters, landlord, boat, classic car, flood, JetSki, motorcycle, off-road, RV, umbrella), Commercial Lines (business liability, commercial auto, commercial property, commercial umbrella, bonds, contractors, cyber liability, EPLI, environmental, executive liability, E&O, farm & ranch, fiduciary liability, inland marine, liquor liability, non-profit, restaurant, special event, workers comp), Life & Retirement (life insurance, annuities, retirement planning), and Employee Benefits (health, dental & vision, group benefits, voluntary benefits), with add-on consulting modules in HR services, risk management, and workers compensation control. The underlying technology stack is standard for an independent agency of this scale: an FMG Suite website platform with the 'Clickable Coverage' trademark, Office 365 appointment booking, and a third-party 'Anytime' payment processing integration. No proprietary technology, AI/ML capabilities, mobile app, or API offering is disclosed.
The business model is commission-based, with the firm acting as a broker placing policies with multiple carriers on behalf of clients and earning renewal and new-business commissions — effectively a subscription-recurring revenue stream tied to policy in-force. Go-to-market is consultative and sales-led, combining local office walk-ins, phone consultations, online quote requests, content marketing via the agency blog, community involvement (food drives, coat drives, school reading programs), and a structured referral program offering $10 gift cards plus $10 charitable donations per successful referral. Customers range from individual households to local SMBs, nonprofits, contractors, and government entities in Northwest Indiana, with no disclosed revenue, premium volume, or carrier concentration figures.
Brown Insurance Group firmographics
Firmographics- Name
- Brown Insurance Group
- Legal name
- Brown Insurance Group
- Website
- https://browninsgrp.com
- Company type
- Private
- Founded year
- 1950
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Brown Insurance Group is a privately held, independent insurance agency in Highland, Indiana, distributing personal, commercial, life, and employee benefits products across five states as a member of the Keystone Insurers Group network, serving individuals, local SMBs, nonprofits, and government entities through a six-person consultative brokerage model.
- Ownership category
- akta.pro rank
Brown Insurance Group industry classification
Industry- Product category
- Independent Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Surety Insurance (6351)
- akta.pro primary industry
- Nonprofit / Social Services BOP (FSAJAFAM)
- akta.pro secondary industries
- Self-Funded (ERISA) Employer Plans (HLAEAAAC), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Small Group Health Insurance (2–50/100) (FSAIAFAD), Group Variable Universal Life (GVUL) (FSAIADAD)
Keywords
Where Brown Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Highland
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Brown Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Commissions: The agency operates as an independent insurance agency/broker earning commissions from insurance carriers for policies placed. They represent multiple insurance companies and earn commission income on each policy sold and renewed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Referral Program |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Brown Insurance Group product offering
Product offeringCore offering
Brown Insurance Group is an independent insurance agency that places personal, commercial, life and retirement, and employee benefits coverage with multiple carriers on behalf of individuals, families, and businesses. The agency earns commissions from insurance carriers on policies sold and renewed, advises clients on coverage selection, supports claims, and offers consulting services in HR, risk management, and workers compensation control. Service is delivered through a local Highland, Indiana office, phone, and online quote channels across Indiana, Illinois, Michigan, Ohio, and Florida.
Product overview
Brown Insurance Group is an independent insurance agency offering a comprehensive portfolio of insurance and financial products delivered through multiple specialized divisions. The company provides personal insurance (auto, home, condo, renters, landlord, boat, classic car, flood, JetSki, motorcycle, off-road vehicles, RV, and umbrella coverage), commercial insurance (bonds, business liability, commercial auto, property, umbrella, contractors, cyber liability, employment practices, environmental, executive liability, E&O, farm & ranch, fiduciary liability, inland marine, liquor liability, non-profit, restaurant, special event, and workers comp), life and retirement products (life insurance, annuities, retirement planning), and employee benefits (health, dental & vision, group benefits, voluntary benefits). Additional consulting services include HR services, risk management, and workers compensation control. The agency operates as a member of Keystone Insurers Group partnership, providing access to national resources while maintaining local service.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Comprehensive personal insurance products covering individuals and families across auto, home, condo, renters, landlord, boat, classic car, flood, JetSki, motorcycle, off-road, RV, and umbrella lines.
- Auto Insurance
- Home Insurance
- Renters Insurance
- Condo Insurance
- Landlord Insurance
- Boat Insurance
- Classic Car Insurance
- Flood Insurance
- JetSki Insurance
- Motorcycle Insurance
- Off-Road Vehicle Insurance
- RV Insurance
- Umbrella Insurance
- Commercial Insurance
- Bonds Insurance
- Business Insurance
- Business Liability Insurance
- Commercial Auto Insurance
- Commercial Property Insurance
- Commercial Umbrella Insurance
- Contractors Insurance
- Cyber Liability Insurance
- Employment Practices Liability Insurance
- Commercial Liability Insurance
- Environmental Insurance
- Executive Liability Insurance
- Errors & Omission Insurance
- Farm & Ranch Insurance
- Fiduciary Liability Insurance
- Inland Marine Insurance
- Liquor Liability Insurance
- Non-Profit Insurance
- Restaurant Insurance
- Special Event Insurance
- Workers Comp Insurance
- Life Insurance
- Annuities
- Retirement Planning
- Health Insurance
- Dental & Vision Insurance
- Group Benefits
- Voluntary Benefits
- HR Services
- Risk Management Services
- Workers Compensation Control
Companies that use Brown Insurance Group
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Brown Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Brown Insurance Group partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- Keystone Insurers GroupcoreBrown Insurance Group was chosen as a pioneer partner to represent Keystone in Indiana. As a partner in one of the nation's largest agency networks (270+ independent agencies), Brown Insurance Group gains access to national resources, preferred insurer relationships, and collective purchasing power (billions in annual sales). Keystone membership is by invitation only and requires meeting strict requirements of compassion, community, and strong business values.
- Trusted ChoiceminorBrown Insurance Group is a Trusted Choice agency, providing access to multiple insurance companies and commitment to quality service. Trusted Choice agencies pledge to work with clients to identify insurance needs, guide through claims, solve coverage problems, and provide competitive pricing with broad product choice.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Brown Insurance Group competitors and assessment
Company assessmentDirect peers
- Insurance Office of America (IOA): Independent insurance agency providing commercial, personal, and employee benefits solutions through multiple carrier relationships. Mirrors Brown's full-service multi-line agency model and consulting-led approach to SMB and mid-market clients.
- The Buckner Company: Independent insurance agency providing commercial, personal, and benefits products across the Midwest. Comparable independent agency positioning with multi-line breadth and carrier-representation distribution.
- Leavitt Group: National independent insurance agency network offering personal, commercial, life, and benefits products across multiple states through a partnership/cluster model. Comparable to Brown Insurance Group's independent, multi-line, multi-state agency structure and Keystone-style affiliation.
- Starke Agency: Regional independent insurance agency distributing personal, commercial, and life products through multiple carriers. Comparable in scale, multi-line independent distribution model, and community-focused service orientation.
- IMA Financial Group: Independent agency delivering commercial, personal, and benefits insurance across multiple regions with a consultative model. Comparable independent multi-line agency competing on carrier access, specialty niches, and risk-management consulting.
- Heffernan Insurance Brokers: Independent insurance brokerage offering personal, commercial, life, and employee benefits products across multiple states. Comparable in independent agency distribution model, multi-line product breadth, and reliance on carrier appointments rather than direct underwriting.
Broad incumbents
- Burns & Wilcox: Specialty insurance wholesale broker and managing general agent distributing complex commercial and personal-lines products through independent agents. Comparable in independent-channel distribution model for specialty/complex coverage.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk-management services firm serving commercial and personal-lines clients through producer-led distribution. Overlaps with Brown's agency distribution and consulting model at much broader scale.
- HUB International: Global insurance brokerage and independent agency consolidator offering multi-line personal, commercial, and benefits products. Operates a similar independent distribution model and actively acquires independent agencies like Brown.
- Lockton Companies: World's largest independent insurance brokerage offering commercial, personal, benefits, and risk-management consulting. Overlaps with Brown's distribution model but at far greater scale and enterprise-client focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Brown Insurance Group social profiles
Digital presenceBrown Insurance Group compliance and trust
Trust signalCompliance1 record
Brown Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Brown Insurance Group leadership team
Management profileNumber of profiles
Profiles6 records
Brown Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Brown Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Brown Insurance Group
What does Brown Insurance Group do?
Brown Insurance Group is an independent insurance agency that places personal, commercial, life and retirement, and employee benefits coverage with multiple carriers on behalf of individuals, families, and businesses. The agency earns commissions from insurance carriers on policies sold and renewed, advises clients on coverage selection, supports claims, and offers consulting services in HR, risk management, and workers compensation control. Service is delivered through a local Highland, Indiana office, phone, and online quote channels across Indiana, Illinois, Michigan, Ohio, and Florida.
Is Brown Insurance Group a public or private company?
Brown Insurance Group is a private company. It is classified as family owned and is currently operating.
When was Brown Insurance Group founded?
Brown Insurance Group was founded in 1950. It employs 1 to 10 people.
Where is Brown Insurance Group based?
Brown Insurance Group is headquartered in Highland, United States, in the North America region.
How does Brown Insurance Group make money?
One revenue line is on record: insurance Commissions.
Who are Brown Insurance Group's main competitors?
Direct peers on record are Insurance Office of America (IOA), The Buckner Company, Leavitt Group, Starke Agency, IMA Financial Group and Heffernan Insurance Brokers. Broad incumbents are Burns & Wilcox, Arthur J. Gallagher & Co., HUB International and Lockton Companies.
Does Brown Insurance Group have an API?
No public API is recorded for Brown Insurance Group.
What industry is Brown Insurance Group in?
Brown Insurance Group's product category is Independent Insurance Brokerage. Its primary akta.pro industry code is FSAJAFAM, Nonprofit / Social Services BOP, with a secondary code of HLAEAAAC, Self-Funded (ERISA) Employer Plans. Its NAICS code is 5242 and its SIC code is 6411.