Arbor Insurance Group

What Arbor Insurance Group does

Arbor Insurance Group is a privately held, family-owned independent insurance agency founded in 1958 and headquartered in Allentown, Pennsylvania. The firm distributes personal lines, commercial lines, and employee benefits insurance products through three Pennsylvania offices (Allentown, Shillington, and Nazareth) and is licensed to operate in 22 states. It represents more than 30 insurance carriers and serves individuals, families, and businesses across multiple industry verticals including construction, landscaping, manufacturing, automotive services, and compressed gas distribution.

The agency's product portfolio spans personal auto and homeowners, commercial property and casualty, industry-specific packages, group employee benefits, and captive insurance programs — a specialty arrangement maintained since 1997 with Captive Resources that enables clients to form their own insurance companies as an alternative risk transfer mechanism. Technology is limited to industry-standard agency management and client portal tooling (Vertafore); the firm has no proprietary platform, no disclosed AI/automation capabilities, and no published data or research assets. Carrier quoting, policy administration, and servicing are executed through conventional workflows.

Arbor's revenue model is commission-based: the firm earns carrier commissions on premium volume placed with its 30+ insurance partners, and reported $20 million in written premium in 2018. Growth has been driven primarily through acquisitions of smaller agencies (including Block Insurance, FA Insurance, Heritage Insurance, Huth Insurance, and Moore Agency) and a 2002 merger that consolidated the firm's current structure under continued Hacker family ownership.

Name

Arbor Insurance Group

Legal name

Arbor Insurance Group

Website

https://arborinsurancegroup.com

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

11–50 employees

Short description

Arbor Insurance Group is a privately held, family-owned independent insurance agency founded in 1958, distributing personal, commercial, and employee benefits insurance across 22 states through three Pennsylvania offices and 30+ carrier partnerships.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industries

Managed Care / Network-Based Group Health Plans (Carrier Network Products) (FSAIAFAO), Vision Provider Networks (PPO/HMO) (FSAIAHAG), Group HMO Plans (FSAIAFAK)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal lines insurance
• Employee benefits brokerage
• Captive insurance programs

Headquarters

HQ city

Allentown

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Arbor Insurance Group generates revenue through commissions paid by insurance carriers for policies placed on behalf of clients. The agency represents multiple regional and national insurance carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Arbor Insurance Group is an independent insurance agency that places personal, commercial, and employee benefits coverage on behalf of clients through a network of approximately 30 regional and national insurance carriers. The agency advises individuals, families, and businesses on coverage selection and provides ongoing servicing through office visits, phone support, and a Vertafore-powered client portal. It also offers captive insurance programs via a long-standing partnership with Captive Resources for qualified commercial clients.

Product overview

Arbor Insurance Group is an independent insurance agency (65+ years in business, founded 1958) offering a broad portfolio of personal, business, and employee benefits insurance. The agency distributes its products through licensed insurance advisors across three Pennsylvania locations (Allentown, Shillington, Nazareth) and is licensed in 22 states. Rather than a single unified software product, the agency provides insurance distribution and advisory services, connecting clients with multiple regional and national carrier partners to tailor coverage. Service delivery is supported by a Vertafore-powered client portal for policy management, claims, billing, and certificates. Industry-specific programs (contractor, restaurant, manufacturer, etc.), captive insurance programs (via Captive Resources partnership), and employee benefits round out the portfolio. No SaaS product, API, or AI-enabled platform is documented.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Multi-line personal lines coverage for individuals and families, including home, auto, umbrella, individual life, renters, condo, high net worth, RV, travel, watercraft, child life, classic car, earthquake, flood, home warranty, identity theft, long-term care, disability, mobile home, motorcycle, off-road vehicle, pet, rental property, secondary home, short-term rental, sinkhole, snowmobile, special event, vacant home, valuable possessions, wedding, and yacht insurance.

Quantifiable outcome

• $20 million in written premium attained in 2018
• +2 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core and minor.

• Captive ResourcescoreStrategic or Co-development Partner · 1 January 1997Partnership since 1997 for captive insurance program administration. Captive Resources is a consulting company dedicated to empowering businesses to control insurance costs through member-owned group captive insurance programs. CRI serves over 35 captives generating $2.3 billion in premiums annually and has returned over $1.7 billion in dividends to member owners.
• Insurance Companies NetworkcoreChannel Partner/ Reseller/ DistributorArbor represents a multitude of regional and national insurance carriers enabling them to compare rates and coverage options. Partner carriers include Acuity, Allstate, American Modern, Berkley Fire & Marine, Berkshire Hathaway Guard, Chubb, CNA, Donegal, Eastern Alliance, EMC Insurance, Encompass, Farmers Fire Insurance, Foremost, Grange, Hagerty, Hanover Insurance Group, Hartford, Kemper, Lebanon Valley Insurance, Liberty Mutual Insurance, Lititz Mutual, MetLife, MMG, Mutual Benefits Group, National General, Nationwide, Progressive, Selective, Travelers, Westfield, Windsor Mount Joy.
• NAIFA (National Association of Insurance and Financial Advisors)minorOthersIndustry association partnership for professional development and networking in the insurance and financial advisory sector.
• PIA (Professional Insurance Agents)minorOthersProfessional insurance agents association partnership for industry advocacy and education.
• SIAA (Strategic Insurance Agents Association)minorOthersStrategic insurance agents association membership for access to resources and networking.
• Insurance Agents and BrokersminorOthersIndustry association partnership supporting independent insurance agents and brokers.
• Trusted ChoiceminorOthersTrusted Choice brand partnership for independent insurance agents.
• Lehigh Valley Chamber of CommerceminorOthersChamber of commerce membership supporting local business community in Lehigh Valley region.
• Western Lehigh Chamber of CommerceminorOthersWestern Lehigh Chamber of Commerce membership for regional business networking.
• LVBA (Lehigh Valley Business Association)minorOthersLehigh Valley Business Association partnership for regional business community engagement.
• IA&B PartnershipminorOthersInsurance Agents and Brokers partnership for industry collaboration.
• Legacy PlanningminorStrategic or Co-development PartnerPartner for financial planning services related to insurance and estate planning.
• BSI Corporate BenefitsminorStrategic or Co-development PartnerPartner specializing in employee benefits and human resources expertise.
• LCAP (Lawn Care Association of Pennsylvania)minorOthersIndustry association partnership for lawn care and landscaping businesses.
• Pennsylvania WinesminorOthersRegional partnership supporting Pennsylvania wine industry businesses.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Others

• Donegal Group: Regional mutual insurance carrier among Arbor's 30+ carrier partners; comparable as a mid-sized regional insurer whose products Arbor distributes to Northeast SMBs.
• Captive Resources: Strategic partner of Arbor since 1997 operating the captive insurance program Arbor distributes; relevant as both ecosystem dependency and adjacent scale benchmark for the captive channel.

Direct peers

• The Leavitt Group: Large independent insurance agency network with similar multi-carrier distribution model, mid-market commercial focus, and employee benefits offerings; closest pure comparable by structure and customer base.
• PayneWest Insurance: Regional independent insurance agency serving individuals and businesses with personal, commercial, and employee benefits lines; comparable mid-market client mix and multi-carrier brokerage model.
• IMA Financial Group: Independent insurance brokerage with deep mid-market commercial and employee benefits practice; comparable in independent agency structure, vertical specialization, and carrier-neutral distribution.
• Assurex Global: Network of independent insurance agencies pooling commercial and personal lines; comparable as an aggregation model for mid-market producers similar to Arbor.

Broad incumbents

• USI Insurance Services: Large national brokerage offering the same personal, commercial, and employee benefits distribution Arbor provides, but at significantly greater scale and with broader specialty practices.
• Hub International: National insurance brokerage aggregating regional independents; relevant incumbent comparable as it both competes with and resembles Arbor's roll-up trajectory.
• Marsh McLennanAgency: Middle-market arm of Marsh McLennan offering employee benefits, commercial, and personal lines; competes for the same mid-sized employer client base Arbor targets.
• Brown & Brown Insurance: Public insurance brokerage with strong regional franchise and employee benefits practice; comparable incumbent competing for the same mid-market and employer benefits segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ArborIG
• LinkedInlinkedin.com/company/arbor-insurance-group
• Instagraminstagram.com/arborig1992
• Xx.com/arborinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries6 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 Arbor Insurance Group