C.H. Edwards, Inc.

What C.H. Edwards, Inc. does

C.H. Edwards, Inc. is a privately held, family-owned independent insurance agency headquartered at 1530 North Country Road, Wading River, New York, serving individuals, families, and businesses across Long Island (Nassau and Suffolk counties). Established in 1925, the agency operates a traditional sales-led model in which licensed agents consult directly with customers to match coverage needs against policies from 25+ national and global carriers including Allstate, Chubb, Hartford, Travelers, MetLife, Progressive, Zurich, CNA, Guardian, and Berkshire Hathaway Guard. The company is a member of the Trusted Choice independent agent network and offers both personal lines (auto, home, motorcycle, watercraft, RV, condo, renters, rental property, flood, umbrella, life, health, annuities) and commercial lines (business, commercial vehicle, group benefits, general liability, excess liability, commercial property, workers compensation, real estate, contractors workers compensation), plus ancillary services such as free notary public and an online defensive driving course partnership.

The business generates revenue through commissions earned on policies placed and renewed across its carrier portfolio; pricing is quote-based and varies by risk and coverage. GTM is direct-agent sales backed by a light digital marketing footprint (SEO-optimized service pages, Weekly Insurance Tips video series, blog, email newsletter, and social media engagement). There is no proprietary technology platform, no API, no AI tooling, and no mobile app; the company relies on a basic client login portal and human-driven service.

Ownership is closely held by the Visco family. Gerard M. Visco, the founder of the modern incarnation (formerly B & V Associates), served as President and CEO from 1957 until his retirement in 2011 and passed away in April 2020. Operations are currently led by his son Steven Visco (President, AAI) and daughter-in-law Denise A. Visco (Vice President/Director of Marketing and Social Media), supported by a senior accounts manager, bookkeeper, and two office assistants. The firm has no institutional investors, no subsidiaries, no M&A history, and operates from a single Long Island location.

Name

C.H. Edwards, Inc.

Legal name

C.H. Edwards, Inc.

Website

https://chedwards.net

Company type

Private

Founded year

1925

Operating status

Operating

Headcount range

1–10 employees

Short description

C.H. Edwards, Inc. is a family-owned independent insurance agency founded in 1925, serving individuals, families, and businesses across Long Island (Nassau and Suffolk counties) with personal and commercial lines sourced from 25+ national carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Wading River

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, Technology or R&D, Others

Revenue model

1. Insurance Agency Commissions: Independent insurance agency earns commissions from multiple insurance carriers for placing and maintaining insurance policies for customers. Revenue is generated from both personal lines (auto, home, life, health) and commercial lines (business insurance, workers compensation, commercial property) insurance products.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

C.H. Edwards, Inc. is an independent insurance agency placing personal and commercial insurance policies on behalf of clients in New York through 25+ carrier partners. It earns commissions by matching individuals, families, and local businesses with coverage across auto, home, life, health, business, workers compensation, specialty lines, and ancillary services such as notary public services and defensive driving course discounts.

Product overview

C.H. Edwards, Inc. is a traditional independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency operates as a single-service model (not a software platform) providing face-to-face insurance advisory services supported by a client portal for policy management. The personal insurance lineup includes auto, home, motorcycle, watercraft, RV, condo, renters, rental property, flood, umbrella, life, health, and annuities. Business insurance offerings encompass commercial vehicle, group benefits, general liability, excess liability, commercial property, workers compensation, real estate, and contractors workers compensation. The agency also provides ancillary services including a free notary public service and an online defensive driving course partnership. As an independent agency, they represent multiple insurance carriers to provide customized coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for vehicles protecting against accidents, liability, and collision damage, available to New York drivers through the agency's multiple carrier partners.
• Home Insurance Homeowners insurance protecting Long Island residents against property damage, liability, and personal property loss, with policy selection supported by agent consultations.
• Business Insurance Customized commercial insurance packages for local New York businesses covering property, liability, and operations.
• Motorcycle Insurance Specialized insurance coverage for motorcycles and riders.
• Off-Road Vehicle Insurance Coverage for off-road vehicles such as ATVs and dirt bikes.
• Watercraft Insurance Insurance coverage for boats and water vessels.
• Recreational Vehicle Insurance Coverage for RVs, campers, and travel trailers.
• Condo Insurance Insurance for condominium owners covering personal property and liability.
• Renters Insurance Coverage for renters protecting personal belongings and liability.
• Rental Property Insurance Landlord insurance covering rental properties against damage and liability.
• Flood Insurance Coverage for flood damage through NFIP and private carriers.
• Umbrella Insurance Excess liability coverage providing additional protection beyond standard policy limits for individuals.
• Life Insurance Term, whole life, and universal life policies providing financial protection for families.
• Health Insurance Health coverage options including individual and family plans.
• Annuities Retirement income products providing guaranteed income streams.
• Commercial Vehicle Insurance Coverage for business-owned vehicles, fleets, and commercial drivers.
• Group Benefits Employee benefits packages including health, dental, vision, and retirement plans for local businesses.
• General Liability Insurance Commercial general liability coverage protecting businesses against third-party claims.
• Excess Liability / Umbrella Insurance Additional liability protection for businesses beyond standard commercial policies.
• Commercial Property Insurance Coverage for commercial buildings, equipment, and business personal property.
• Workers Compensation Insurance Coverage for employee workplace injuries and illnesses as required by New York law, with documented cost-savings outcomes for business clients.
• Real Estate Insurance Insurance products tailored for real estate professionals and property owners.
• Contractors Workers Compensation Specialized workers compensation coverage for construction and contracting businesses.
• Notary Public Services Free notary public services offered to clients by licensed staff.
• Online Defensive Driving Course 100% online defensive driving course offered through the New York Safety Council, delivering a 10% premium reduction over 3 years on liability, no-fault, and collision insurance premiums.

Quantifiable outcome

• Customers saved $42,000 in one year on workers compensation coverage

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• AllstatecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing personal insurance products including auto, home, and specialty lines through independent agents
• ChubbcoreChannel Partner/ Reseller/ DistributorPremium insurance carrier offering high-value personal and commercial insurance products
• HartfordcoreChannel Partner/ Reseller/ DistributorNational insurance carrier providing personal and business insurance solutions
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier with extensive product portfolio
• MetLifecoreChannel Partner/ Reseller/ DistributorGlobal insurance provider offering life, health, auto, and other insurance products
• ProgressivecoreChannel Partner/ Reseller/ DistributorDirect and independent agent channel insurance carrier known for auto insurance
• ZurichminorChannel Partner/ Reseller/ DistributorGlobal insurance carrier providing commercial and specialty insurance products
• CNAminorChannel Partner/ Reseller/ DistributorCommercial insurance specialist for businesses of all sizes
• GuardianminorChannel Partner/ Reseller/ DistributorInsurance carrier offering life, disability, and dental insurance as well as benefits solutions
• Berkshire Hathaway GuardminorChannel Partner/ Reseller/ DistributorInsurance carrier backed by Berkshire Hathaway offering commercial insurance products
• Trusted ChoicecoreChannel Partner/ Reseller/ DistributorBrand alliance of independent insurance agents providing access to resources, marketing support, and carrier relationships

Scale indicators3 records

Recent moves7 records

Expansion highlights3 records

Direct peers

• World Insurance Associates: World Insurance Associates is an independent insurance agency offering personal, commercial, and benefits coverage through multiple carrier partnerships. It mirrors C.H. Edwards' multi-line independent agency model and customer segmentation (individuals, families, and businesses) at a larger scale.
• Frenkel & Company: Frenkel & Company is an independent insurance broker headquartered in New York City, providing commercial, personal, and employee benefits insurance through multiple carrier relationships. It shares C.H. Edwards' multi-carrier independent agency model and New York market focus, though Frenkel serves a larger client base.
• Marshall & Sterling Insurance: Marshall & Sterling is an independent insurance agency with deep roots in New York state, providing personal, commercial, and employee benefits coverage through multiple carrier partnerships. It is directly comparable to C.H. Edwards in business model (independent multi-line agency), customer base (individuals, families, and SMBs), and geographic footprint (New York).
• The Hilb Group: The Hilb Group is a mid-size insurance brokerage offering personal, commercial, and employee benefits insurance through carrier relationships. It shares C.H. Edwards' independent agency model and customer segmentation, though Hilb operates across more states and a broader footprint.
• Insurance Office of America: Insurance Office of America is an independent insurance agency providing personal, commercial, and employee benefits insurance through multiple carrier partnerships. It is directly comparable to C.H. Edwards in business model (independent multi-line agency) and customer base, though IOA operates on a significantly larger scale.
• Starkweather & Shepley: Starkweather & Shepley is an independent insurance agency offering personal, commercial, and employee benefits coverage through multiple carrier relationships. It is directly comparable in business model (independent multi-line agency) and customer focus on individuals and businesses, though it is based in the Northeast rather than Long Island.

Broad incumbents

• Acrisure: Acrisure is a fast-growing global insurance brokerage offering personal, commercial, and specialty insurance through a wide carrier network. It is comparable to C.H. Edwards in business model (multi-carrier brokerage serving individuals and businesses) but operates at significantly greater scale with technology-forward capabilities.
• HUB International: HUB International is one of the largest global insurance brokerages, offering personal, commercial, and specialty insurance through a vast carrier network. It shares the multi-carrier brokerage model with C.H. Edwards but operates as a much broader incumbent with international reach and institutional backing.
• Brown & Brown Insurance: Brown & Brown is a large national insurance brokerage offering personal, commercial, and employee benefits insurance through a wide carrier network. It represents the same independent brokerage business model as C.H. Edwards but operates at significantly greater scale with national geographic reach and public-company resources.
• Arthur J. Gallagher & Co. Arthur J. Gallagher is a large global insurance brokerage and risk management services firm offering commercial, personal, and benefits insurance through extensive carrier relationships. It shares the independent brokerage model with C.H. Edwards but operates as a broad incumbent with deep institutional resources and global reach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/CHEdwardsInsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 C.H. Edwards, Inc.