The Mid-State
The Mid-State Group is a family-owned, independent insurance agency founded in 1964 and headquartered in Lynchburg, Virginia. Operating under a "Beyond Insurance" umbrella, it places personal, commercial, and group benefits coverage through 17+ carriers and layers on HR, safety, wellness, and cyber-compliance services for Virginia businesses and individuals.
- Company typePrivate
- Founded1964
- HeadquartersLynchburg, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What The Mid-State does
The Mid-State Group is a family-owned, independent insurance agency founded in 1964 in Lynchburg, Virginia, originally as Mid-State Insurance Agency and rebranded in 2011 to reflect an expanded portfolio of risk management and advisory services. The firm operates under a "Beyond Insurance" umbrella that bundles personal lines, commercial lines, and group benefits brokerage with outsourced HR consulting (Mid-State HR), workplace safety and OSHA services (Mid-State Safety), corporate wellness (Mid-State Wellness), financial planning (Mid-State Financial Services / Mid-State Wealth), and compliance-as-a-service (Compliance GPS / Mid-State Cyber). As an independent agency, Mid-State represents 17+ insurance carriers — including Erie, Chubb, CNA, Travelers, Liberty Mutual, Auto Owners, and Central Insurance — and earns commission revenue on placed and renewed policies across personal, commercial, and benefits lines, supplemented by fee-based professional services revenue from HR outsourcing, safety programs, and the Compliance GPS platform.
The technology stack centers on two proprietary frameworks: the trademarked Mid-State GPS™ five-step risk management process spanning HR, Wellness, Safety, Finance & Insurance, and Leadership disciplines (designed for clients with 20+ employees), and the Compliance GPS CaaS portal, which automates HIPAA, GDPR, NIST CSF, and CMMC assessments with on-demand reporting and activity logs. Distribution is led by licensed insurance advisors delivering quote-based, risk-tailored coverage, supported by a 24/7 client portal for claims, certificates, OSHA logs, billing, and referrals. Marketing combines organic content (blog, SEO targeting Lynchburg/Amherst/Charlottesville/Bedford/Roanoke), social channels, educational roundtables, CPR/ServSafe training via Mid-State Academy, and a referral program. Approximately 30+ employees operate from three Virginia offices (Lynchburg HQ on Rivermont Ave, Amherst, and the Bedford Ave Benefits Office), serving SMB and mid-market clients across automotive dealerships, manufacturing, contracting, healthcare, education, non-profit, government, and religious organization verticals — alongside individual personal lines customers — entirely within the Commonwealth of Virginia.
The Mid-State firmographics
Firmographics- Name
- The Mid-State
- Legal name
- The Mid-State Group
- Website
- https://midstateins.com
- Company type
- Private
- Founded year
- 1964
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- The Mid-State Group is a family-owned, independent insurance agency founded in 1964 and headquartered in Lynchburg, Virginia. Operating under a "Beyond Insurance" umbrella, it places personal, commercial, and group benefits coverage through 17+ carriers and layers on HR, safety, wellness, and cyber-compliance services for Virginia businesses and individuals.
- Ownership category
- akta.pro rank
The Mid-State industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
- akta.pro secondary industries
- Small Group Health Insurance (2–50/100) (FSAIAFAD), Nonprofit / Social Services BOP (FSAJAFAM), Large Commercial Package (National Accounts) (FSAJAFAC)
Keywords
Where The Mid-State is headquartered
LocationHeadquarters
- HQ city
- Lynchburg
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
The Mid-State business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commission Revenue: As an independent insurance agency, The Mid-State Group earns commissions from insurance carriers for policies placed. They represent multiple insurance companies including Erie Insurance, Chubb, CNA, Travelers, and others. Revenue is generated through commissions on new policies and renewal commissions.
- Professional Services (HR, Safety, Wellness): Mid-State offers outsourced HR, Safety, and Wellness consulting services through specialized divisions. These include OSHA training, risk auditing, compliance checks, safety programs, policy review, employee benefits administration, and wellness programs. Revenue generated through consulting fees and service contracts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance pricing tailored to individual risk profiles |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
The Mid-State product offering
Product offeringCore offering
The Mid-State Group is an independent insurance agency that brokers personal, commercial, and group benefits insurance policies through 17+ carrier partners, and complements those policies with outsourced HR, workplace safety, wellness, financial planning, and proprietary risk management consulting under its "Beyond Insurance" philosophy. Revenue is generated via carrier commissions on placed policies and fees for consulting, compliance, training, and educational services.
Product overview
The Mid-State Group is a family-owned, independent insurance agency founded in 1964 and headquartered in Lynchburg, Virginia. The company operates under a 'Beyond Insurance' philosophy, offering an umbrella of service companies including Mid-State Insurance (Personal Lines, Small Commercial, and Large Commercial), Mid-State HR, Mid-State Safety, Mid-State Wellness, Mid-State Financial Services/Mid-State Wealth, and Mid-State Academy. The core product is Mid-State Insurance, a full-service independent insurance agency offering personal insurance (home, auto, renters, life, etc.), business insurance (BOP, general liability, workers' comp, cyber, etc.), and employee benefits (health, dental, vision, disability, voluntary). These are supplemented by proprietary risk management methodology (Mid-State GPS), compliance-as-a-service (Compliance GPS for HIPAA/GDPR/NIST/CMMC), and educational programs (Mid-State Academy). The company serves businesses with over 20 employees across Virginia through a five-step GPS process across five core disciplines (HR, Wellness, Safety, Finance & Insurance, Leadership).
Differentiator
Problem solved
Functional benefit
Brands
- Beyond Insurance: Philosophy and approach that goes beyond traditional insurance to provide health, safety, prosperity and risk management solutions
- Compliance GPS
- Mid-State GPS
Products and services
- Personal Insurance Independent personal insurance brokerage offering home, auto, renters, condo, motorcycle, RV, watercraft, classic car, flood, rental property, valuable possessions, umbrella, individual life, long-term care, long-term disability, Medicare supplement, and annuities for individuals and families in Virginia.
- Business Insurance Commercial insurance brokerage for businesses including Business Owners Policy (BOP), general liability, business auto, commercial property, workers' compensation, commercial umbrella, cyber liability, EPLI, E&O, D&O, crime, builders risk, liquor liability, surety bonds, inland marine, systems breakdown, key man life, fiduciary liability, and captive insurance management.
- Employee Benefits Group benefits brokerage and administration for Virginia employers, including group health insurance, group life insurance, disability insurance, group dental, vision care, voluntary coverage, employee assistance plans, and group voluntary benefits.
- Mid-State HR (Outsourced HR Consulting) Outsourced human resources consulting for Virginia businesses, including HR advisory, compliance audits, COBRA administration, HR generalist support, and senior/executive HR advisory.
- Mid-State Safety (Outsourced Safety Consulting)
Quantifiable outcome
- $4-$6 return for every dollar invested in workplace safety
Companies that use The Mid-State
Customer profileNamed customers13 records
Segments8 records
Ideal customer profiles9 records
The Mid-State technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
The Mid-State partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core and minor.
- Erie InsurancecorePrimary insurance carrier partner. The Mid-State Group is an authorized agency representing Erie Insurance for personal and commercial lines. Includes provisions for online quoting, bill payment, and claims reporting through Erie's systems.
- ChubbcoreMajor commercial insurance carrier partner representing Chubb's commercial lines products including property, casualty, and specialty insurance solutions.
- CNAcoreCommercial lines insurance partner specializing in business insurance products including professional liability, property, and workers' compensation coverage.
- Travelers InsurancecoreBoth personal and commercial insurance carrier partner providing auto, home, and business insurance products through The Mid-State Group agency.
- Auto OwnerscoreRegional insurance carrier offering personal and commercial insurance products including auto, home, and business coverage.
- Central InsurancecoreInsurance partner providing commercial insurance solutions including business owners policies and general liability coverage.
- Guard InsuranceminorInsurance carrier partner offering workers' compensation and commercial insurance products.
- Liberty MutualcoreMajor national insurance carrier partner providing auto, home, and business insurance products.
- ProgressiveminorAuto insurance carrier partner offering personal vehicle coverage through the agency.
- AIC (Agency Insurance Company)minorRegional insurance carrier partner providing general insurance products for personal and commercial lines.
- Augusta MutualminorRegional mutual insurance company partner serving Virginia markets with personal lines coverage.
- MAX InsuranceminorInsurance carrier partner offering products through the agency's network.
- Mercury InsuranceminorDirect-to-consumer insurance carrier partner providing auto and home coverage.
- National GeneralminorInsurance carrier partner offering personal and commercial insurance products.
- Northern NeckminorRegional Virginia insurance carrier partner serving local markets.
- Utica MutualminorRegional mutual insurance company partner providing commercial and personal coverage.
- Virginia Property InsminorVirginia-focused property insurance carrier partner.
- Beyond Insurance Global Network (BIGN)coreNational network partnership for presenting educational content. The Mid-State Group co-presented 'Navigating Your Business Through COVID-19 & Beyond' expert panel with BIGN, demonstrating thought leadership and access to national resources.
- Forest's NanoTouch Materials (NanoSeptic)minorAuthorized distributor of NanoSeptic self-cleaning products through Forest's NanoTouch Materials, a next-generation surface technology solution offered to clients.
Scale indicators3 records
Recent moves7 records
Expansion highlights6 records
The Mid-State competitors and assessment
Company assessmentDirect peers
- HUB International: Mid-market-focused insurance brokerage with multiple service lines (P&C, benefits, risk services). Directly comparable to The Mid-State Group in operating model, multi-carrier access, and emphasis on commercial mid-market accounts, though HUB operates at significantly larger scale.
- The Hilb Group: Mid-Atlantic and Southeast-focused insurance brokerage offering commercial, personal, and employee benefits through a network of regional offices. Closely comparable in regional independence, multi-carrier model, and mid-market commercial orientation.
- IMA Financial Group: Independent insurance brokerage specializing in commercial P&C, employee benefits, and risk management for middle-market clients. Comparable in independent agency structure, vertical specializations, and emphasis on risk consulting beyond pure brokerage.
- USI Insurance Services: Large independent brokerage serving middle-market commercial clients with property/casualty, employee benefits, and specialty practices. Comparable in multi-carrier distribution, vertical specialization, and Beyond Insurance-style service diversification.
- Risk Strategies Company: National insurance brokerage focused on industry-specialized risk management and insurance for middle-market and niche commercial accounts. Comparable in vertical specialization (e.g., manufacturing, medical, non-profit) and risk-management-led service model.
- Assurex Global: Network of independent insurance agencies sharing best practices and carrier access. Mid-State's Beyond Insurance Global Network partnership and independent agency structure make it a structural peer as a regional member of such agency networks.
Broad incumbents
- Marsh McLennan Agency: Middle-market arm of global brokerage Marsh McLennan, offering commercial insurance, employee benefits, and risk consulting. Overlaps directly in P&C and benefits brokerage but operates at far greater scale and breadth than the Mid-State footprint.
- NFP Corp: Large diversified insurance broker and consultant offering property/casualty, benefits, wealth management, and advisory. Comparable in multi-line service stack (insurance + advisory) but with national scale and private-equity ownership.
Emerging players
- Acrisure: Tech-enabled insurance brokerage that has rapidly consolidated independent agencies and invested heavily in proprietary technology platforms. Comparable as an aggregator of independent agencies with technology-led differentiators, though at vastly greater scale and with PE backing.
Regional players
- The Cincinnati Insurance Companies: Midwest-based regional carrier that distributes heavily through independent agents and offers commercial package, personal, and specialty lines. Comparable in that its products align with Mid-State's verticals (manufacturing, contractors, auto dealerships) and it competes for placement in Mid-State's footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
The Mid-State social profiles
Digital presenceThe Mid-State financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Mid-State leadership team
Management profileNumber of profiles
Profiles22 records
The Mid-State subsidiaries and ownership
Company hierarchySubsidiaries7 records
The Mid-State funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Mid-State M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Mid-State
What does The Mid-State do?
The Mid-State Group is an independent insurance agency that brokers personal, commercial, and group benefits insurance policies through 17+ carrier partners, and complements those policies with outsourced HR, workplace safety, wellness, financial planning, and proprietary risk management consulting under its "Beyond Insurance" philosophy. Revenue is generated via carrier commissions on placed policies and fees for consulting, compliance, training, and educational services.
Is The Mid-State a public or private company?
The Mid-State is a private company. It is classified as family owned and is currently operating.
When was The Mid-State founded?
The Mid-State was founded in 1964. It employs 11 to 50 people.
Where is The Mid-State based?
The Mid-State is headquartered in Lynchburg, United States, in the North America region.
How does The Mid-State make money?
Two revenue lines are on record. Insurance Commission Revenue is the primary driver. The others are professional Services (HR, Safety, Wellness).
Who are The Mid-State's main competitors?
Direct peers on record are HUB International, The Hilb Group, IMA Financial Group, USI Insurance Services, Risk Strategies Company and Assurex Global. Broad incumbents are Marsh McLennan Agency and NFP Corp. Acrisure is listed as an emerging player. The Cincinnati Insurance Companies is listed as a regional player.
Does The Mid-State have an API?
No public API is recorded for The Mid-State.
What industry is The Mid-State in?
The Mid-State's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAJAFAB, Mid-Market Commercial Package (Package Policies), with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 52421 and its SIC code is 6411.