Kellon Insurance Agency

What Kellon Insurance Agency does

Kellon Insurance Agency Inc. is a privately held, family-owned independent insurance agency founded in 1962 by James Kellon and operating from a 5,000-square-foot office at 2951 Elmore Park Rd, Bartlett, Tennessee. The firm serves individuals, families, and small-to-mid-sized businesses throughout Memphis and the broader Mid-South region. Rather than binding coverage with a single carrier, the agency is contracted to place business with 18+ national and regional insurance carriers — including Auto-Owners, Travelers, Safeco, Nationwide, Bristol West, Foremost, Hagerty, National General, Builders Mutual, Encompass, Farmers, Grange, Hartford, Liberty Mutual, Penn National, Progressive, Trexis, and USAssure — allowing it to shop quotes across providers and assemble bespoke coverage packages.

The agency's product surface spans three lines: personal insurance (auto, homeowners, renters, condo, mobile home, landlord, flood, fire, umbrella, valuable items, identity theft recovery, special event, boat, RV, motorcycle); life insurance (term, whole, universal, final expense, children's); and commercial insurance (BOP, commercial auto, general liability, commercial property, umbrella, workers' comp, cyber liability, professional liability, D&O, crime, inland marine, pollution, earthquake, surety bonds, plus industry-specific packages for contractors, restaurants, hotels/motels, manufacturers, offices, nonprofits, churches, farms, self-storage, auto dealers, and commercial trucking).

Kellon operates primarily as a direct-to-consumer and direct-to-SMB agency, reaching customers through its physical office (Mon–Fri 8:30am–4:30pm), phone (901-386-2400), web-based get-a-quote forms, and a Facebook brand page. It earns revenue exclusively through carrier commissions on placed policies; pricing is bespoke per customer rather than published. Ownership is concentrated within the Kellon family — Tim Kellon joined in 1980 and has carried forward the founder's legacy — with no external investors, subsidiaries, M&A activity, or capital-raise history. The firm has no proprietary technology platform; its competitive position rests on multi-carrier access, local reputation built over more than 60 years, and the cumulative experience (200+ years) of its small staff.

Name

Kellon Insurance Agency

Legal name

Kellon Insurance Agency Inc.

Website

https://kelloninsurance.com

Company type

Private

Founded year

1962

Operating status

Operating

Headcount range

1–10 employees

Short description

Kellon Insurance Agency is a privately held, family-owned independent insurance agency in Bartlett, Tennessee, serving individuals, families, and small-to-mid-sized businesses throughout Memphis and the Mid-South. It places personal, life, and commercial coverage through 18+ national and regional carriers on a commission basis.

Ownership category

akta.pro rank

Headquarters

HQ city

Memphis

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, Technology or R&D

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, Kellon Insurance Agency generates revenue by earning commissions from insurance carriers when they sell insurance policies to customers. They represent multiple insurance companies (Auto-Owners, Travelers, Safeco, Nationwide, Bristol West, Foremost, Hagerty, National General, Builders Mutual, Encompass, Farmers, Grange, Hartford, Liberty Mutual, Penn National, Progressive, Trexis, USAssure) and receive commissions for placing business with these carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Kellon Insurance Agency is an independent insurance agency that sells personal, commercial, and life insurance policies from multiple national carriers to individuals, families, and small/mid-sized businesses in the Memphis and Mid-South region. The agency earns commissions by placing customers with 18+ insurance providers, offering quote comparison, policy bundling, local claims support, and annual coverage reviews.

Product overview

Kellon Insurance Agency is an independent insurance agency offering a comprehensive portfolio of personal, commercial, and life insurance products through partnerships with multiple national insurance carriers. The agency operates as a quoting and policy management platform connecting customers with coverage options across three main categories: Personal Insurance products (Auto, Homeowners, Renters, Condo, Mobile Home, Landlord, Flood, Fire, Umbrella, Valuable Items, Identity Theft Recovery, Special Event, Boat/RV/Motorcycle); Commercial Insurance products (General Business coverages including Auto, Property, General Liability, Umbrella, Crime, Cyber Liability, as well as industry-specific coverages for Contractors, Restaurants, Hotels, Offices, Self-Storage, Nonprofits, Manufacturers, Churches, Farms, Liquor Liability, Auto Dealers, and Commercial Trucking, plus D&O and Workers' Compensation); and Life Insurance products (Term Life, Whole Life, Universal Life, Final Expense, and Children's Life Insurance). As an independent agency, they compare quotes from multiple carriers to provide competitive pricing and customized coverage solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Vehicle coverage for personal automobiles including liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and optional coverages such as windshield replacement and rental car coverage, sold to individuals and families.
• Homeowners Insurance Comprehensive coverage for homes including physical property, contents, personal property, personal liability, and living expenses during covered losses, with options for actual cash value or replacement cost, sold to individuals and families.
• Mobile Home Insurance Protection for mobile and manufactured homes covering physical property, personal belongings, weather damage, accidental damage, fire damage, and certain water damage.
• Condo Insurance Insurance for condo unit owners covering property damage, contents, liability protection, and add-on coverages including workers' compensation for employees, umbrella coverage, crime insurance, equipment breakdown, and flood.
• Renters Insurance Coverage for renters protecting personal property, additional living expenses during covered events, and liability for injuries in the rental home; described as typically less than $30 per month.
• Landlord Insurance Coverage for rental property owners including dwelling protection, landlord liability, fair rental value for lost rents, and other structures, tailored for tenant-occupied risks.
• Boat Insurance Coverage for watercraft including fishing boats, speedboats, pontoons, sailboats, personal watercraft, and yachts, with protection against liability claims and property damage.
• RV Insurance Insurance coverage for recreational vehicles including motorhomes, trailers, campers, 4-wheelers, jet skis, snowmobiles, and other all-terrain vehicles.
• Motorcycle Insurance Coverage for motorcycles including liability, collision, comprehensive, medical payments, uninsured/underinsured motorist protection, and custom parts and equipment coverage.
• Dwelling Fire Insurance Specifically-tailored home insurance for rental properties covering named perils, available for actual cash value or replacement cost.
• Flood Insurance Separate policy covering direct physical losses from floodwaters due to heavy rain, rising rivers, storm surge, and natural disasters, administered through the National Flood Insurance Program (NFIP).
• Personal Umbrella Insurance Excess liability coverage that expands limits on homeowners, auto, or other policies to protect against large claims, lawsuits, and incidents outside standard policy protections.
• Valuable Items Insurance Optional coverage that can be added to a homeowners policy to address gaps in standard sub-limits for high-value possessions such as jewelry, fine art, musical instruments, furs, and collectibles.
• Identity Theft Recovery Coverage Coverage providing resources and potential reimbursement for costs associated with identity restoration, including legal fees, lost wages, and administrative expenses.
• Special Event Insurance Short-term personal insurance policy for one-time gatherings such as weddings, birthday parties, and family reunions, addressing liability exposures including guest injuries and venue damage.
• Term Life Insurance Simple life insurance policy lasting for a defined period (1-30 years) with affordable premiums and no cash value accumulation, ideal for temporary coverage needs.
• Whole Life Insurance Permanent life insurance with level premiums, lifelong coverage, and cash value accumulation that grows tax-free with guaranteed minimum rate of return.
• Universal Life Insurance Permanent life insurance with adjustable premiums and death benefits, featuring a cash value component that earns interest and can be withdrawn or borrowed against.
• Final Expense Insurance Type of permanent life insurance providing flexible death benefits to cover end-of-life expenses such as funeral arrangements, medical bills, and legal fees.
• Children's Life Insurance Life insurance coverage for minors including individual whole life policies or child term riders, typically with simplified underwriting and potential for level premiums.
• Business Owner's Policy (BOP) Cost-efficient bundle combining property and liability coverage specifically designed for small to mid-sized business owners.
• Commercial General Liability Insurance Coverage protecting businesses from liability claims for bodily injury, property damage, and personal injury occurring at their place of business.
• Commercial Property Insurance Protection for business property and merchandise against fire, vandalism, theft, and other covered events causing damage and loss.
• Commercial Auto Insurance Business vehicle coverage for companies with cars, vans, pickup trucks, box trucks, and service utility trucks, including liability, collision, and comprehensive protection.
• Workers' Compensation Insurance Coverage protecting businesses from costs of workplace injuries or illnesses, paying for medical care and lost wages, and protecting against related lawsuits.
• Cyber Liability Insurance Protection for businesses against liability and costs associated with data breaches, cyber attacks, and other cyber incidents.
• Professional Errors and Omissions Insurance Professional liability coverage protecting businesses and professionals from claims arising from negligent services or advice.
• Directors and Officers Liability Insurance Professional liability coverage protecting board members and company officers from financial losses due to lawsuits, covering legal fees, settlements, and defense costs.
• Crime Insurance Coverage protecting businesses from losses related to employee dishonesty, theft, fraud, and other criminal acts.
• Insurance Bonds Surety bonds providing financial guarantees for various business obligations and contractual requirements.
• Builder's Risk Insurance Coverage for construction projects protecting against damage to buildings under construction from covered perils.
• Inland Marine Insurance Coverage for equipment and property in transit or at off-site locations, including equipment breakdown protection.
• Pollution Insurance Coverage for businesses facing liability risks from pollution incidents, including environmental cleanup and third-party claims.
• Earthquake Insurance Separate coverage for earthquake damage to commercial property, typically excluded from standard commercial property policies.
• Commercial Umbrella Insurance Excess liability coverage extending limits on commercial general liability, auto liability, and other underlying commercial policies.
• Commercial Truck Insurance Specialized coverage for commercial trucks including motor truck cargo, motor truck general liability, non-trucking liability, rental reimbursement, and trailer interchange coverage.
• Contractors Insurance Industry-specific policies protecting construction businesses with coverage for liability, property, and industry-specific risks.
• Restaurant Insurance Comprehensive coverage for restaurants including commercial property, general liability, workers' compensation, liquor liability, equipment breakdown, and employment practices liability.
• Auto Dealer and Garage Policy Comprehensive coverage for auto dealerships and garage operations including dealer inventory, service operations, and liability exposures.
• Church Insurance Specialized coverage for churches and religious organizations addressing their unique property, liability, and operational risks.
• Commercial Farm Insurance Coverage for commercial farming operations including property, liability, livestock, equipment, and crop-related risks.
• Hotel and Motel Insurance Comprehensive coverage for hospitality businesses addressing property, guest liability, liquor liability, and industry-specific exposures.
• Liquor Liability Insurance Coverage for businesses serving or selling alcohol, protecting against liability claims arising from alcohol-related incidents.
• Manufacturers Insurance Coverage for manufacturing businesses addressing property, products liability, equipment, and operational risks specific to manufacturing operations.
• Nonprofits Insurance Tailored coverage for nonprofit organizations including directors and officers liability, general liability, and organization-specific exposures.
• Offices Insurance Property and liability coverage for office buildings and businesses, protecting assets, finances, and operations against accidents and losses.
• Self-Storage Insurance Coverage for self-storage facilities including sales and disposal liability, customer goods liability, commercial property, crime insurance, and umbrella coverage.

Quantifiable outcome

• Serving several thousand individuals and families, and hundreds of businesses
• +1 more outcomes

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

18 partnerships are on record, tiered core.

• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto, home, and related insurance products through the independent agency channel.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner offering commercial and personal insurance products.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in personal lines insurance products.
• NationwidecoreChannel Partner/ Reseller/ DistributorNational insurance carrier partner offering a wide range of insurance and financial services products.
• Bristol West Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in non-standard auto insurance.
• ForemostcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering specialty insurance products including manufactured housing and specialty property.
• HagertycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in classic car and collector vehicle insurance.
• National GeneralcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering auto, home, and supplemental insurance products.
• Builders MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in construction and builders risk insurance.
• EncompasscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal insurance products through independent agents.
• Farmers InsurancecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner offering auto, home, and business insurance products.
• GrangecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner offering personal and commercial insurance products.
• HartfordcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal and business insurance products, including employee benefits.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner offering a broad range of personal and commercial insurance products.
• Penn National InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner offering personal and commercial insurance products.
• ProgressivecoreChannel Partner/ Reseller/ DistributorNational insurance carrier partner known for auto insurance and commercial insurance products.
• TrexiscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering various insurance products through independent agents.
• USAssurecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering commercial insurance products, particularly for small businesses.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Peabody Insurance Agency: Tennessee-based independent insurance agency serving Memphis and Mid-South markets with personal and commercial lines through multiple carriers. Direct same-market and same-model competitor to Kellon.
• Brightway Insurance: Franchise system for independent insurance agencies in the Southeast U.S. operating across personal, commercial, and life lines through multiple carrier appointments. Highly comparable model to Kellon — multi-carrier independent agency with SMB/consumer focus in similar geographies.
• Insurance Office of America: National independent insurance brokerage representing multiple carriers across personal, commercial, and specialty lines. Same retail independent-agency model as Kellon, providing an aggregated peer for comparison.
• Heffernan Insurance Brokers: Independent insurance brokerage providing personal, commercial, and benefits products through multiple carriers. Another scaled-up comparable of the independent-agency model that Kellon operates.
• Goosehead Insurance: Public franchisor of independent insurance agencies that shop multiple carriers for personal and commercial lines. Most comparable business model to Kellon (independent agency, multi-carrier, retail focus), with scale and capital structure that an investor/buyer benchmark could apply to Kellon.
• Higginbotham: Large independent insurance brokerage offering personal, commercial, and employee benefits through multiple carriers. Comparable independent-agency distribution model at much larger scale; useful benchmark for what a rolled-up version of an agency like Kellon looks like.

Broad incumbents

• Nationwide Insurance: Large national carrier that distributes through both captive and independent agency channels — one of Kellon's actual carrier partners. Comparable to the broad market served via agencies like Kellon, with overlapping product portfolio (auto, home, life, commercial).
• Progressive: Major national P&C carrier — one of Kellon's carrier partners — that also sells direct-to-consumer online. Represents the dual-role incumbent: carrier partner and direct competitor for personal auto and small commercial.
• State Farm: Mass-market U.S. personal-lines insurer with the largest captive agent network. Adjacent distribution model (local agent, personal/commercial lines) targeting the same households and small businesses as Kellon.

Emerging players

• Lemonade: Insurtech that underwrites and distributes personal lines (renters, homeowners, pet, life) directly to consumers via mobile app. Represents the emerging digital-native distribution model that disintermediates independent agencies like Kellon on price-sensitive personal lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/kelloninsuranceagency
• Xx.com/KellonInsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Kellon Insurance Agency