Celtic Insurance

Name

Celtic Insurance

Legal name

Celtic Insurance

Website

https://celticins.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Non-Participating Whole Life Insurance (FSAIABAJ), Universal Life (UL) Insurance (FSAIABAB)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance products
• Life insurance policies
• Insurance brokerage services

Headquarters

HQ city

Salisbury

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, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, Celtic Insurance earns commissions from insurance carriers for policies placed and renewed. The agency represents multiple insurance companies (Erie Insurance, Progressive, AIC, Farmers of Salem, Foremost, Universal American, Wright Insurance) and receives compensation when customers purchase or renew policies through their agency.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Celtic Insurance is an independent insurance agency that places personal, commercial, and life insurance policies with multiple carriers (Erie Insurance, Progressive, AIC, Farmers of Salem, Foremost, Universal American, and Wright Insurance Group) on behalf of clients in Maryland and Virginia. The agency earns commissions on policies placed and renewed, offering customers objective carrier choice, local agent support, claims advocacy, annual policy reviews, and bundled coverage options across auto, home, specialty personal lines, life, and business insurance.

Product overview

Celtic Insurance is an independent insurance agency based in Salisbury, Maryland, offering a comprehensive portfolio of insurance products and services through multiple carrier partnerships. The company provides Personal Insurance (including auto, homeowners, motorcycle, and specialty vehicle coverage), Business Insurance (including commercial property, liability, workers' compensation, and industry-specific policies), and Life Insurance (including individual, final expense, and annuities). As an independent agency, Celtic Insurance represents multiple insurance carriers including Erie Insurance, Progressive, AIC, Farmers of Salem, Foremost, Universal American, and Wright Flood. The agency offers over 50 distinct insurance products across personal, commercial, and life categories, with additional customer support services including online billing, claims filing, and policy management through their website and carrier portals.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal insurance policies protecting individuals and families from financial losses, including coverage for vehicles, homes, and personal property.
• Business Insurance Commercial insurance solutions protecting businesses from various risks including property damage, liability claims, and operational interruptions.
• Life Insurance Life insurance products providing financial security for families, including term, whole life, universal life, and final expense coverage.
• Auto Insurance Vehicle insurance coverage protecting against financial loss from accidents, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
• Homeowners Insurance Property insurance protecting homes against damage from covered perils, including coverage for the structure and personal possessions.
• Motorcycle Insurance Specialized vehicle insurance for motorcycles covering collision, comprehensive, liability, and uninsured/underinsured motorist protection.
• Commercial Property Insurance Business insurance covering buildings, equipment, inventory, and fixtures against damage from fire, theft, storms, and other covered perils.
• General Liability Insurance Commercial coverage protecting businesses from claims of bodily injury, property damage, and personal injury arising from business operations.
• Workers' Compensation Insurance State-mandated coverage providing medical treatment and wage replacement for workers injured on the job, protecting employers from lawsuits.
• Final Expense Insurance Life insurance policy covering end-of-life costs including funeral, memorial, burial, and related expenses to spare loved ones from financial burden.
• Individual Life Insurance Personal life insurance providing financial security through term or permanent policies, offering death benefits for beneficiaries.
• Fixed Annuities Retirement investment product issued by insurance companies providing guaranteed future payments in exchange for lump sum or periodic premium payments.
• ATV Insurance Specialized vehicle coverage for all-terrain vehicles including comprehensive, collision, bodily injury, liability, and medical payments coverage.
• Boat & Marine Insurance Watercraft coverage protecting boats and yachts against damage, theft, and liability, including agreed hull value and actual cash value options.
• Collector Car Insurance Specialized classic car coverage protecting vintage, antique, and collector vehicles with agreed value policies and coverage for shows and exhibitions.
• Condominium Insurance Coverage for condo owners protecting the interior unit, personal possessions, and liability within the private living space.
• Earthquake Insurance Standalone coverage protecting homes and property against seismic damage not covered by standard homeowners policies.
• Flood Insurance Coverage protecting homes and property against flood damage, separate from standard homeowners insurance, required in high-risk zones.
• High Net Worth Coverage Customized insurance for affluent clients covering multiple homes, valuable collections, art, jewelry, and providing protection against lawsuits and identity theft.
• Mobile (Manufactured) Home Insurance Specialized coverage for manufactured homes protecting against fire, storm damage, theft, vandalism, and providing liability protection.
• Motor Home / RV Insurance Coverage for recreational vehicles and motor homes including medical payments, bodily injury, collision, comprehensive, and towing protection.
• Personal Umbrella Insurance Excess liability coverage providing additional protection beyond auto, home, and other personal insurance policy limits.
• Personal Watercraft Insurance Coverage for personal watercraft including jet skis and wave runners, protecting against accidents, liability, and theft.
• Rental Property Insurance Landlord coverage protecting rental properties against damage and providing liability protection for property owners.
• Renters Insurance Coverage for tenants protecting personal possessions and providing liability protection against damage to rental property.
• Snowmobile Insurance Specialized coverage for snowmobiles including bodily injury, property damage, collision, comprehensive, and uninsured rider protection.
• SR-22 Certificate of financial responsibility filing for drivers required to prove minimum liability coverage due to DUI, accidents, or license suspension.
• Underinsured/Uninsured Motorists Coverage Auto insurance protection against drivers with inadequate or no insurance, covering medical expenses and vehicle damage.
• Valuable Items Insurance Scheduled coverage for jewelry, art, collectibles, and other high-value items not adequately covered under standard homeowners policies.
• Non-Owner Insurance Liability coverage for individuals who drive borrowed or rental vehicles but do not own a car, also helpful for SR-22 filers.
• Builder's Risk Insurance Coverage protecting construction materials, fixtures, and equipment during building projects against fire, weather, theft, and vandalism.
• Business Interruption Insurance Coverage compensating businesses for lost income and operating expenses during periods when operations are halted due to covered disasters.
• Business Owners Package Insurance (BOP) Combined commercial property and general liability coverage bundled for small businesses at reduced cost.
• Cargo Insurance Coverage protecting goods in transit against damage, loss, or theft during shipping by land, sea, or air.
• Church Insurance Specialized coverage for religious organizations protecting buildings, liability, equipment, and valuable records.
• Commercial Auto Insurance Coverage for business vehicles and employees using personal vehicles for work, including liability, medical costs, and comprehensive protection.
• Commercial Earthquake Insurance Standalone coverage protecting commercial properties and assets against earthquake damage not included in standard policies.
• Commercial Trucking Insurance Customized coverage for trucking operations including cargo, liability, rental reimbursement, and trailer interchange protection.
• Commercial Umbrella Insurance Excess liability coverage providing additional protection of $1 million to $5 million or more above commercial policy limits.
• Contractor's General Liability Insurance Coverage protecting contractors from bodily injury, property damage, and personal injury claims arising from construction work.
• Cyber Liability Insurance Coverage protecting businesses against costs associated with data breaches, including notification, remediation, and third-party liability.
• Directors and Officers Liability Insurance Coverage protecting board members and executives from personal liability for wrongful acts, including securities litigation and breach of fiduciary duty claims.
• Employment Practices Liability Insurance (EPLI) Coverage protecting employers against employee claims of discrimination, harassment, wrongful termination, and other employment-related issues.
• Garage Insurance Comprehensive coverage for auto repair shops and dealers including general liability, garagekeepers legal liability, and business interruption.
• Hotel & Motel Hospitality Insurance Package coverage for hospitality businesses including property, liability, crime, and guest property protection.
• Key Person / Employee Insurance Life insurance on essential employees protecting businesses against financial loss from the death of critical personnel.
• Liquor Liability Insurance Coverage protecting establishments that serve alcohol from liability claims arising from intoxicated patrons causing injury or damage.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Erie InsurancecoreChannel Partner/ Reseller/ DistributorPrimary carrier partnership. Celtic Insurance specializes in Erie Insurance products and prominently features Erie Insurance branding, logos, and marketing materials. The agency offers Erie auto quotes, bill pay, life insurance calculator, and online account access through dedicated Erie referral links.
• The Progressive CorporationcoreChannel Partner/ Reseller/ DistributorNational insurance carrier partnership providing auto and commercial auto insurance products through the agency.
• AIC - Agency Insurance CompanycoreChannel Partner/ Reseller/ DistributorRegional carrier represented on the agency's partner logos page, providing professional insurance services.
• Farmers of SalemminorChannel Partner/ Reseller/ DistributorRegional insurance carrier partnership featured alongside other agency partners.
• Foremost InsuranceminorChannel Partner/ Reseller/ DistributorNational insurance carrier offering specialty products including mobile/manufactured home insurance and various personal lines.
• Universal AmericanminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership providing coverage options through the independent agency.
• The Wright Insurance Group, LLCminorChannel Partner/ Reseller/ DistributorSpecialty carrier partnership providing flood insurance products and Wright Flood coverage options.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Direct peers

• Goosehead Insurance: Public independent insurance agency franchise network that places personal and commercial lines through multiple carrier partnerships — same broker-of-record model as Celtic Insurance, with the major difference of being a scaled franchise platform versus a single-family-owned storefront.
• Brightway Insurance: Franchise-based independent insurance agency offering personal, commercial, and life products through multiple carrier appointments — directly comparable multi-carrier brokerage model to Celtic Insurance.
• TWFG Insurance: Independent personal and commercial insurance agency operating through a producer-network model with multi-carrier appointments, conceptually analogous to Celtic's independent-agency structure with personal/commercial/life product breadth.

Broad incumbents

• Leavitt Group: One of the largest privately held independent insurance brokerages in the western U.S., offering personal, commercial, and benefits through multiple carrier partners. Comparable to Celtic in operating model, but materially larger, multi-state, and benefits-focused.
• Brown & Brown Insurance: Public, scaled Florida-headquartered insurance brokerage with national reach and a multi-carrier broker-of-record model. Same agency-brokerage DNA as Celtic Insurance but with enterprise scale, geographic breadth, and acquisition-driven growth.
• HUB International: North-American insurance brokerage placing personal, commercial, and specialty coverage through multiple carrier appointments. Operates the same multi-carrier independent agency/broker model as Celtic Insurance but at national scale with extensive specialty-line depth.
• Erie Insurance: Celtic Insurance's flagship carrier partner, a Mid-Atlantic regional P&C and life carrier known for agent-captive distribution. Erie is comparable as the underlying product source and brand Celtic promotes, and Erie's agency force represents the closest distribution analog.

Emerging players

• Policygenius: Digital-first insurance marketplace that aggregates life and P&C shopping across multiple carriers online. Competes with Celtic for the same insurance-purchasing moment but through a no-agent, digital channel that increasingly pressures traditional local agencies on price-shopping customers.
• SmartFinancial: Digital insurance comparison and lead-generation platform that connects consumers to multiple carriers (including commercial lines). Comparable to Celtic in selling across multiple carriers, but operating at national scale through a digital funnel versus Celtic's in-person, local-broker channel.
• Lemonade: Digital-native, mobile-first insurer selling renters, homeowners, pet, and auto directly online without agents. Competes with Celtic on personal-lines price-shopping and increasingly on bundled household coverage, representing the broader digital disintermediation trend pressuring traditional local agencies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/celticinsurance
• LinkedInlinkedin.com/company/celtic-insurance-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Celtic Insurance