Gannon Associates Insurance

What Gannon Associates Insurance does

Gannon Associates Insurance (legal entity: Associated Insurance and Financial Services, LLC) is an independent, privately held insurance agency founded in 1973 by Max Gannon Jr. in Towanda, Pennsylvania. The company distributes personal, commercial, and employee benefits insurance products as an appointed agent for more than 85 insurance carriers — including Acuity, Donegal, Liberty Mutual, Nationwide, Progressive, Selective, and Travelers — across 26 distinct product lines spanning personal lines (auto, home, flood, recreational, umbrella, life, pet, cyber, wedding, health, Medicare, disability, long-term care), commercial lines (commercial auto, property, general liability, professional liability, cyber liability, workers' comp, commercial flood), group benefits, and specialized industry coverage for public entities, contractors, and agricultural operations. The agency operates ten physical office locations across Pennsylvania (Towanda, Factoryville, Athens, Watsontown, Mansfield, Shippensburg, Wyalusing, Troy) and New York (Elmira, Sherrill) with nearly 100 employees, and supplements in-person service with digital client tools including the Gannon Access portal, Employee Navigator benefits platform, RetireFlo, and online quote forms. Revenue is generated on a commission basis from carriers for both new policy placements and renewals, with no public revenue disclosure; customer acquisition is driven by a community-led go-to-market combining local chamber memberships, sponsorships of 100+ regional organizations, and a referral program offering $100 Visa Gift Card incentives plus charitable donations per successful referral.

Name

Gannon Associates Insurance

Legal name

Associated Insurance and Financial Services LLC

Website

https://gannonassociates.com/

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

51–100 employees

Short description

Gannon Associates provides personal and business insurance services.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Standalone Umbrella Liability (FSAJANAE)

akta.pro secondary industries

Individual Disability Income Insurance (Non-Group) (FSAIAIAA), Vision Insurance (FSAIAHAB)

Keywords

• Independent insurance agency
• Personal insurance services
• Commercial insurance coverage
• Employee benefits insurance
• Risk management solutions

Headquarters

HQ city

Towanda

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Gannon Associates earns commissions from insurance carriers for policies placed and renewed. Revenue is generated from both new policy sales and renewal commissions across personal, commercial, and employee benefits lines.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Gannon Associates Insurance is an independent insurance agency that places personal, commercial, and employee benefits coverage with individuals, families, and businesses through licensed agents at 10 office locations across Pennsylvania and New York. As an independent agency representing more than 85 carrier partners, the company earns commissions by matching customers to carrier-underwritten policies and providing ongoing servicing, claims support, and renewals. Its portfolio spans personal lines (auto, home, flood, recreational, umbrella, life, pet, home cyber, wedding, health, Medicare, disability, long-term care), commercial lines (commercial auto, property, general liability, professional liability, cyber liability, workers' comp, commercial flood), and industry-specific programs for public entities, construction, and agriculture.

Product overview

Gannon Associates Insurance is an independent insurance agency offering a comprehensive portfolio of personal, business, and employee benefits insurance products. The company provides 26 distinct insurance products across personal lines (auto, home, flood, recreational, umbrella, life, pet, home cyber, wedding, health, Medicare, disability, long-term care), commercial lines (commercial auto, property, general liability, professional liability, cyber liability, workers' comp, commercial flood), employee benefits (employer health, employer life), and specialized industry coverage (public entity, construction, agriculture). As an independent agency, they access multiple carrier partners to offer customized coverage solutions. The product portfolio is organized as a platform of insurance categories with multiple coverage types and options within each category, designed to serve individuals, families, and businesses in Pennsylvania, New York, and surrounding states.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal automobile insurance covering vehicles for Pennsylvania and New York residents, offering collision, comprehensive, liability, personal injury protection, and GAP coverage options.
• Homeowners Insurance Home insurance protecting the structure, belongings, and liability for homeowners and renters, including dwelling, personal property, liability, and specialized coverage for mobile homes and condos.
• Flood Insurance Flood coverage available through the National Flood Insurance Program (NFIP) and Neptune Flood, offering standard and preferred risk policies for properties in participating communities.
• Recreational Insurance Insurance for recreational vehicles including RVs, ATVs, motorcycles, and watercraft, covering collision, comprehensive, liability, medical payments, and uninsured/underinsured motorist protection.
• Umbrella Insurance Excess liability coverage extending beyond the limits of auto, home, or recreational insurance policies, providing additional protection for injuries, property damage, personal injury, and legal costs.
• Life Insurance Life insurance products including whole life, term life, universal life, and variable life insurance policies providing death benefits and cash value accumulation for financial protection of loved ones.
• Pet Insurance Pet health coverage offering accident, illness, wellness, prescription medication, dental, and final expenses protection for cats and dogs.
• Home Cyber Insurance Individual cyber protection covering extortion, data breaches, cyber liability, cyberbullying, first-party losses, crime, regulatory compliance, and third-party liability from digital threats.
• Wedding Insurance Special event insurance protecting weddings from vendor failures, weather cancellations, attire damage, gift theft, and liability issues.
• Individual Health Insurance Personal health coverage including preventative care, hospitalization, emergency medical, prescription drugs, mental health, maternity, outpatient, and chronic disease management.
• Medicare Insurance Medicare coverage solutions including Part A (hospital), Part B (medical), Part C (Medicare Advantage), Part D (prescription), and Medicare Supplement (Medigap) plans.
• Disability Insurance Income protection insurance covering short-term and long-term disability, with options for own-occupation and any-occupation coverage, partial disability, residual benefits, COLA, and future increase options.
• Long Term Care Insurance Extended care coverage for home healthcare, assisted living, nursing homes, adult day care, memory care, respite care, hospice, and inflation protection.
• Commercial Auto Insurance Business vehicle coverage protecting company fleets from accidents, theft, and liability, including collision, comprehensive, bodily injury, property damage, medical payments, and uninsured motorist protection.
• Commercial Property Insurance Business property protection covering buildings, contents, business interruption, equipment breakdown, inland marine, and ordinance or law coverage, available as standalone policies or bundled Business Owners Policy (BOP).
• General Liability Insurance Commercial general liability coverage protecting businesses from bodily injury, property damage, fire liability, personal injury, product liability, professional liability, employment practices liability, and directors and officers claims.
• Professional Liability Insurance Errors and omissions (E&O) insurance covering legal defense, settlements, claims from professional advice, third-party claims, employee protection, and regulatory and licensing defense for professional service businesses.
• Commercial Cyber Liability Insurance Business cyber protection covering data breach response, cyber extortion, network security liability, media liability, business interruption, and legal and regulatory defense costs.
• Workers' Compensation Insurance Employee workplace injury and illness coverage including medical benefits, lost wages, rehabilitation, death benefits, employer's legal liability, and occupational illness protection.
• Commercial Flood Insurance Business flood coverage through NFIP offering standard and preferred risk policies for commercial properties in participating communities.
• Employer Health Insurance Group employee benefits including health, dental, vision, disability, life insurance, ICHRA, HSAs, FSAs, and employee assistance programs for businesses.
• Employer Life Insurance Group life coverage for employers including basic, supplemental, and dependent life insurance, AD&D, waiver of premium, accelerated death benefits, and key employee business continuation coverage.
• Public Entity Insurance Municipal insurance covering property, equipment, general liability, public officials' liability, law enforcement liability, workers' compensation, auto fleet, and cyber liability for government entities.
• Construction Insurance Contractor and builder coverage including commercial auto, builder's risk, inland marine, equipment, contractor's bonds, and umbrella liability for construction professionals.
• Agriculture Insurance Farm and agribusiness coverage including property, liability, crop insurance, livestock, equipment, machinery, and agribusiness package policies for farmers.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Acuity InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing property and casualty coverage options distributed through Gannon Associates agency locations.
• Donegal Insurance GroupcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner. Gannon Associates holds Century Level Agency status with Donegal.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorNational insurance carrier providing personal and commercial insurance products through the agency.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner offering personal and commercial lines coverage.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorCarrier partner where Gannon Associates holds Platinum Agency status. Provides auto and commercial insurance products.
• Selective InsurancecoreChannel Partner/ Reseller/ DistributorRegional carrier partner offering commercial and personal insurance products.
• TravelerscoreChannel Partner/ Reseller/ DistributorNational insurance carrier providing comprehensive property and casualty coverage options.
• Main Street America GroupcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner focused on small business and community markets.
• Tuscarora WaynecoreChannel Partner/ Reseller/ DistributorRegional mutual insurance company. The company's founder Max Gannon Jr. originally purchased his book of business from Tuscarora Wayne in 1973.
• Millville Insurance CompaniescoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner providing coverage options.
• WestfieldcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier where Gannon Associates holds Trilogy Agency status.
• Chambers of CommerceminorStrategic or Co-development PartnerActive member of multiple regional chambers of commerce including Troy, Mansfield, Greater Binghamton, Canton, Wyalusing, Wyoming County, West Shore, Greater Valley, Tunkhannock, Carlisle, Wellsboro, and Central Bradford County chambers.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Tompkins Insurance Agencies: Tompkins Insurance Agencies is a New York-based independent insurance agency offering personal, commercial, and employee benefits products across multiple NY locations. Directly comparable as a regional Northeast independent agency of similar scale and product mix.
• LeClair Group: LeClair Group is a New York-based independent insurance and financial services agency serving personal and commercial clients across the Northeast. Comparable to Gannon as a similarly sized regional independent agency with multi-product offerings and community-led distribution.
• Haylor, Freyer & Coon: Haylor, Freyer & Coon is a Central New York independent insurance agency offering personal, commercial, and benefits coverage with multiple office locations. Closely mirrors Gannon's model as a NY-based multi-line independent agency with similar customer segments.
• The Hilb Group: The Hilb Group is a mid-Atlantic and Northeast insurance brokerage that actively acquires independent agencies. Operates the same independent agency model and is a natural peer and potential acquirer profile for Gannon.
• Keystone Insurers Group: Keystone Insurers Group is an alliance of independent insurance agencies headquartered in Pennsylvania, providing shared carrier access and operational support to member agencies. Comparable as a PA-based independent agency organization operating in Gannon's primary geography.

Broad incumbents

• Erie Insurance: Erie Insurance is a regional P&C carrier with an exclusive agent distribution model across the Northeast including PA and NY. A broader incumbent in the same regional market that competes for some of the same personal and small-commercial customers.
• Donegal Insurance Group: Donegal Insurance Group is a regional P&C carrier with strong Pennsylvania and Mid-Atlantic distribution through independent agents. Comparable as both a key Gannon carrier partner and a competitive force in the same regional independent agency channel.
• USI Insurance Services: USI Insurance Services is a large national insurance brokerage offering commercial, personal, and benefits coverage. A broader incumbent competing for the same mid-market commercial and employee benefits accounts in the Northeast.
• Brown & Brown: Brown & Brown is a national insurance distribution firm with significant presence across personal, commercial, and employee benefits lines. A broad incumbent providing scale comparison for Gannon's commercial and benefits brokerage operations.

Others

• Acuity Insurance: Acuity Insurance is a regional P&C carrier that distributes through independent agents including Gannon. Listed as an adjacent carrier partner rather than direct competitor — useful for benchmarking carrier-side economics rather than agency-side competition.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• Xx.com/gannon_ins

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 Gannon Associates Insurance