Churchill Insurance

What Churchill Insurance does

Churchill Insurance is an independent insurance agency founded in 1959, headquartered at 120 S Oregon St in Yreka, California. The agency sells personal and commercial insurance products sourced from multiple carrier partners, including Liberty Mutual, Travelers, Zurich, Foremost Insurance Group, and Nationwide. Its product portfolio spans automobile, homeowners, motorcycle, renters, life and health, group health, business owners policy (BOP), commercial auto, commercial property, general liability, workers compensation, cyber liability, bonds, and a specialized farm and ranch program covering farm property, vehicles, livestock, and crop exposures.

The agency operates as a traditional insurance intermediary with no proprietary technology platform; its digital footprint consists of a content website with quote request forms, an informational blog, email newsletter, and Facebook and Twitter profiles. Core go-to-market is sales-led, with licensed agents providing personalized one-on-one consultation across phone, email, website, and in-person channels. The agency targets individuals, small-to-medium businesses, farmers and agribusiness owners, and motorcycle owners primarily in Siskiyou County and broader Northern California.

Revenue is generated through insurance commissions paid by carrier partners on each policy sold, with a stated emphasis on bundling multiple policies per client to increase retention and commission yield. Pricing is not publicly disclosed; all products require quote requests through agents or self-service forms. The business is privately held with no disclosed parent company, venture capital backing, or institutional ownership, and operates with 1-10 employees.

Name

Churchill Insurance

Legal name

Churchill Insurance

Website

https://churchillinsure.com

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

1–10 employees

Short description

Churchill Insurance is an independent insurance agency in Yreka, California, founded in 1959, selling personal and commercial lines from multiple carriers (Liberty Mutual, Travelers, Zurich, Foremost, Nationwide) to individuals, small businesses, farmers, and motorcycle owners across Siskiyou County and Northern California.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage (Personal, Commercial, and Farm Insurance)

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industries

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG), General Liability Insurance (FSAJAMAE)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal lines insurance
• Farm and ranch insurance
• Multi-carrier insurance broker

Headquarters

HQ city

Yreka

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

Revenue model

1. Insurance commissions: The agency earns commissions by selling insurance products from multiple carrier partners including auto, home, business, farm, health, motorcycle, and other insurance lines. They combine policies whenever possible to save clients time and money.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Churchill Insurance is an independent insurance brokerage that sells personal lines (auto, home, renters, motorcycle, life, health) and commercial lines (business, BOP, commercial auto, commercial property, general liability, workers compensation, cyber liability, bonds) insurance products from multiple carrier partners. The agency also offers a specialized farm and ranch program with property, vehicle, and crop sub-products, and combines policies across lines to provide bundled coverage for individuals, families, and businesses in Northern California.

Product overview

Churchill Insurance is an independent insurance agency offering a diverse portfolio of insurance products through multiple carriers. The core offering consists of personal lines (automobile, homeowners, motorcycle, renters, health, and life insurance) and commercial lines (business & commercial, BOP, commercial auto, commercial property, general liability, workers compensation, cyber liability, and bonds). Specialized programs include farm & ranch insurance with property, vehicle, and crop sub-products, as well as non-profit and personal umbrella coverage. The agency acts as a broker selling multiple insurance carriers' products and combines policies whenever possible to provide bundled solutions for individuals, families, and businesses in California.

Differentiator

Problem solved

Functional benefit

Products and services

• Automobile Insurance Auto insurance for individuals providing financial protection against accidents, theft, vandalism, and other covered losses for vehicles, including collision, comprehensive, liability, medical payments, and uninsured/underinsured motorist coverage.
• Homeowners Insurance Financial protection for homeowners covering the home structure, possessions, living expenses during displacement, and liability for bodily injury or property damage caused by homeowners or family members.
• Renters Insurance Tenant coverage including personal belongings protection, liability protection for injuries to others, and additional living expenses for temporary housing.
• Motorcycle Insurance Coverage for motorcycles including liability, comprehensive, collision, medical payments, and uninsured/underinsured motorist protection meeting California state requirements.
• Health Insurance Individual and family health coverage options including individual plans, family coverage, and short-term insurance, covering preventive care, doctor visits, hospitalization, emergency services, prescription drugs, maternity, and mental health services.
• Group Health Insurance Employer-sponsored health coverage offering comprehensive medical benefits including doctor visits, hospitalization, prescription drugs, preventive care, and wellness programs for employees and their dependents.
• Life and Health Insurance Individual life insurance (term and permanent) and health insurance including fee-for-service and managed care plans, long-term care, and disability insurance products.
• Business and Commercial Insurance Comprehensive business insurance covering general liability, commercial property, business interruption, workers compensation, professional liability, employment practices liability, commercial auto, and cyber liability exposures for businesses of various sizes.
• Business Owners Policy (BOP) Insurance Combined property, liability, and business interruption insurance packaged for small to medium-sized businesses, customizable with additional coverages like workers compensation, commercial auto, and cyber liability.
• Commercial Auto Insurance Financial protection for company vehicles including auto liability, comprehensive, collision, gap, and uninsured/underinsured motorist coverage required for California businesses.
• Commercial Property Insurance Coverage protecting business-owned or rented property including buildings, electronics, equipment, tools, inventory, furniture, and signage against fire, lightning, explosions, wind, theft, burglary, and vandalism.
• General Liability Insurance Coverage protecting businesses from losses arising from bodily injury, property damage, personal injury, products-completed operations, products liability, and contractual liability claims.
• Workers Compensation Insurance Employer-purchased coverage protecting against civil lawsuits for employee workplace injuries or illnesses, paying for lost wages, disability benefits, medical costs, and legal expenses.
• Cyber Liability Insurance Protection for businesses against data breaches, cyberattacks, and digital risks covering data breach response, legal fees, regulatory fines, business interruption, cyber extortion, and third-party liability.
• Bonds Surety and fidelity bonds including contractors license bonds, court bonds, ERISA bonds, license and permit bonds, and miscellaneous bonds providing financial assurance to clients.
• Farm and Ranch Insurance Agricultural business coverage including commercial property for barns and silos, tools and equipment, livestock, general liability, workers compensation, commercial auto, and crop insurance.
• Farm Property Insurance Coverage for farm dwellings, structures, equipment, livestock mortality, theft, straying, crop losses from natural disasters, and business interruption for farming operations.
• Farm Vehicle Insurance Protection for tractors, trucks, trailers, and all-terrain vehicles used in farming operations including liability, collision, and uninsured/underinsured vehicle coverage.
• Non-Profit Insurance Specialized insurance coverage designed for non-profit organizations addressing their unique liability exposures and operational risks.
• Personal Umbrella Insurance Additional liability coverage providing excess protection beyond the limits of auto, homeowners, and other personal policies for catastrophic claims.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor.

• Liberty MutualminorChannel Partner/ Reseller/ DistributorInsurance carrier partner. Churchill Insurance sells Liberty Mutual insurance products as an independent agency representing multiple carriers to provide coverage options for their clients.
• TravelersminorChannel Partner/ Reseller/ DistributorInsurance carrier partner. Churchill Insurance offers Travelers insurance products as part of their portfolio of carrier relationships.
• ZurichminorChannel Partner/ Reseller/ DistributorInsurance carrier partner. Churchill Insurance represents Zurich insurance products to provide additional coverage options for commercial and personal lines customers.
• Foremost Insurance GroupminorChannel Partner/ Reseller/ DistributorInsurance carrier partner. Foremost provides specialty insurance products that Churchill Insurance offers, particularly for unique coverage needs.
• Nationwide InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner. Churchill Insurance sells Nationwide insurance products as part of their multi-carrier approach to serving clients.

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• HUB International: Large North American insurance brokerage aggregating independent agencies. Comparable as a multi-line, multi-carrier intermediary; much larger scale and broader geographic reach than Churchill.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm. Operates an independent-agent-style distribution model for personal and commercial lines; relevant incumbent comparable at vastly larger scale.
• Brown & Brown, Inc. Large U.S. insurance brokerage acquiring independent agencies. Directly comparable business model (multi-carrier brokerage across personal, commercial, and specialty lines) but operating at national scale.
• State Farm: Largest U.S. personal lines insurer with captive-agent distribution. Competes with Churchill for the same auto, home, and small-commercial households in rural and small-town markets.
• Nationwide: Major national P&C carrier and agency partner to Churchill. Competes in personal and commercial lines through its own agent network while also being a carrier of record on Churchill's shelf.
• Liberty Mutual: National P&C carrier and named Churchill carrier partner. Sells through independent agents and direct channels; a direct competitor for personal and commercial accounts that Churchill also targets.
• Farmers Insurance: National P&C carrier with a strong captive-agent model in California. Directly competes with Churchill in auto, home, and small-business insurance across Northern California.

Direct peers

• Heffernan Insurance Brokers: Mid-size independent insurance brokerage offering personal, commercial, and specialty lines through multiple carriers. Closest model-level peer to Churchill — multi-carrier, multi-line independent agency — though significantly larger and West-Coast based.

Emerging players

• SmartFinancial: Digital-first insurance brokerage comparing multiple carriers online. Represents the insurtech/disaggregated channel that pressures traditional independent agents like Churchill on personal lines acquisition cost and speed.

Regional players

• Local Independent Insurance Agents of California (for local peers): IIABA-affiliated local independent agencies operating across California in similar rural and small-town markets. The most direct small-shop peer set to Churchill, though individual agencies are not individually named.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/churchillinsagt
• Facebookfacebook.com/ChurchillInsurance
• LinkedInlinkedin.com/company/churchill-ins.-inc.

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 Churchill Insurance