Encompass Agency

What Encompass Agency does

Encompass Agency, Inc. is an independent insurance agency founded in 2013 in Buffalo, NY, operating under the brand "America's Hometown Insurance Agent." The agency is a privately held, bootstrapped company led by CEO and Principal Taylor Haines, with a stated headcount of 1-10 employees. Encompass delivers personal, commercial, and specialty insurance products as a licensed agent in 11 states — AZ, CT, FL, GA, MD, NY, OH, PA, SC, TN, VA — through multiple carrier relationships enabled by its long-standing membership in SIAA (Strategic Insurance Agent Association). Jordan First Insurance Agency operates as a wholly-owned adjacent subsidiary under common control.

The product portfolio spans personal lines (Auto, Homeowners, Renters, Landlord, Boat/PWC/Yacht), commercial lines (Business, Day Care, Vacant Building), and a suite of specialty lines (Medical Malpractice for nurses and estheticians, Event, Wedding, Musical Instrument, Jankowiak Racing). Underwriting is performed by carrier partners; Encompass does not disclose proprietary technology beyond a Wix-hosted website with an online quote request form, Calendly-based virtual meeting scheduling, and blog content optimized for SEO around Buffalo and Western New York topics.

The business model is commission-based, earning carrier commissions on policies placed across both personal and commercial lines. Go-to-market is a hybrid inside-sales motion — phone-based quoting Monday through Friday 9AM-4PM EST plus online quote forms with same-day acknowledgment — combined with content marketing and organic social on Facebook and Instagram. The agency transitioned to fully virtual operations in 2020 and currently serves "thousands of families and businesses" across the East Coast, with deep specialization in WNY-specific issues such as City of Niagara Falls landlord rental registration requirements and Buffalo housing market dynamics. No external funding rounds have been recorded.

Name

Encompass Agency

Legal name

Encompass Agency, Inc.

Website

https://www.encompassupstate.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Encompass Agency is an insurance company that specializes in personal insurance, small business, industrial, and medical malpractice.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance solutions
• Medical malpractice insurance
• Landlord property insurance

Headquarters

HQ city

Buffalo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Independent insurance agency earning commissions from multiple insurance carriers across personal and commercial lines. Operates as licensed agent in AZ, CT, FL, GA, MD, NY, OH, PA, SC, TN, VA.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Encompass Agency is an independent insurance agency that sells personal, commercial, and specialty insurance policies on behalf of multiple carriers. The agency places coverage for auto, home, renters, landlord, boat, business, medical malpractice, daycare, event, instrument, and vacant building risks across 11 U.S. states, earning commissions from carrier partners. It operates as a 100% virtual agency with phone-based and online quote servicing for individuals, families, and small businesses primarily along the East Coast.

Product overview

Encompass Agency is an independent insurance agency based in Buffalo, NY, operating as America's Hometown Insurance Agent. The agency offers a comprehensive portfolio of personal and commercial insurance products delivered through a network of multiple carrier partnerships. Personal insurance products include Auto, Homeowners, Renters, Landlord, and Boat/Yacht coverage. Commercial and specialty lines encompass Business Insurance, Medical Malpractice (for healthcare professionals including nurses and estheticians), Day Care Insurance, Event Insurance, Instrument Insurance, Vacant Building Insurance, and Special Event/Wedding Insurance. The agency also provides specialized coverage such as Lessors Risk and racing-related coverage. Services are available across multiple states (AZ, CT, FL, GA, MD, NY, OH, PA, SC, TN, VA) with both online quote requests and phone-based agent support.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance coverage for personal vehicles, including discount courses for policyholders. Sold to individuals and families across 11 licensed states.
• Homeowners Insurance Home insurance coverage protecting against property damage, liability, and other risks for homeowners. Marketed with specific expertise in Buffalo-area real estate and Western New York climate considerations.
• Landlord Insurance (Lessors Risk) Rental property insurance for landlords covering buildings, liability, and rental income protection, including Lessors Risk coverage tailored to City of Niagara Falls and other municipal rental registration requirements.
• Business Insurance Commercial insurance products including general liability, property coverage, and business-specific policies for small to mid-sized businesses.
• Renters Insurance Insurance coverage for tenants protecting personal belongings and providing liability coverage for rental properties.
• Boat, PWC & Yacht Insurance Watercraft insurance coverage for boats, personal watercraft, and yachts navigating Great Lakes and Northeast waterways.
• Medical Malpractice Insurance Professional liability insurance for healthcare providers including cosmetic nurses, estheticians, RNs, LPNs, NPs, CNAs, and other medical professionals. Includes license defense cost coverage and personal malpractice protection beyond employer policies.
• Day Care Insurance Specialized insurance for daycare centers and in-home daycares including general liability, participant accident coverage, abuse & molestation coverage, and commercial property.
• Event Insurance Liability coverage for event vendors, exhibitors, and organizers available in one-day, short-term, or annual policies. Includes option to add venues as additional insured and contents coverage for traveling inventory.
• Instrument Insurance Coverage for musical instruments including guitars, basses, drums, and electronic instruments, typically offered on a stated value basis to protect against theft, damage, and loss, including items on installment plans.
• Vacant Building Insurance Commercial property insurance for vacant buildings covering vandalism, fire, liability, and other risks associated with unoccupied properties.
• Wedding Insurance Special event insurance specifically tailored for weddings to protect against cancellations and other unforeseen events.
• Jankowiak Racing Coverage Specialized insurance coverage associated with the Jankowiak Racing motorsports team.

Segments7 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 core and minor.

• SIAA (Strategic Insurance Agent Association)coreStrategic or Co-development Partner10+ year member of SIAA, a strategic insurance agent association providing access to carrier relationships, industry resources, and professional development for independent agents.
• Berkshire Hathaway Guard InsuranceminorChannel Partner/ Reseller/ DistributorRecommended rental property insurance carrier for New York. Guard Insurance offers quick underwriting and claims decisions with modest pricing and generous coverage limits. Available to customers seeking landlord coverage.
• Genesee Patrons Co-Operative InsuranceminorChannel Partner/ Reseller/ DistributorOld farm and fire cooperative mutual insurance company located in Batavia, NY. One of several 1800s-era carriers that make up 35% of NY property premiums. Offers rural/suburban rental coverage with local underwriting.
• Madison Mutual InsuranceminorChannel Partner/ Reseller/ DistributorMutual insurance company in Chittenango, NY with unique Freedom policy products allowing customers to choose coverage amounts without company-imposed requirements or claim penalties.
• ZillowminorStrategic or Co-development PartnerZillow's analysis named Buffalo as hottest housing market in US for 2025. Encompass Agency leverages this market data to attract out-of-town buyers seeking homeowners insurance in Buffalo.

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Goosehead Insurance: Independent insurance agency franchise operating a comparable multi-carrier, multi-line personal and commercial distribution model with virtual agent enablement. Closest pure structural analog to Encompass Agency's independent agent approach, though at much greater scale.
• Erie Insurance: Regional property/casualty carrier with an exclusive agency distribution model concentrated in the Northeast and Mid-Atlantic, including New York. Highly comparable on geographic footprint, product mix (personal + commercial), and reliance on independent appointed agents.
• Brown & Brown, Inc. National insurance brokerage distributing personal, commercial, and specialty lines through producer networks. Comparable as a multi-carrier intermediary with broad product breadth across personal and commercial insurance.
• LeClerc Agency: Independent multi-line insurance agency serving Western New York with personal, commercial, and specialty lines through multiple carrier appointments. Highly comparable as a same-region, same-model independent agency competing for the same Buffalo/WNY customers.

Broad incumbents

• State Farm: Largest US personal lines carrier using a captive agent model with multi-line personal and commercial products. Represents the broad incumbent distribution model against which Encompass's independent agency model competes.
• Allstate: Major US personal lines carrier with captive and independent agency channels. Overlaps with Encompass on auto, home, and small commercial lines distributed through agency networks nationwide.
• GEICO: Direct-to-consumer auto and home carrier and Encompass CEO Taylor Haines's former employer. Represents the direct distribution model competing head-on with the personal lines portion of Encompass's book.
• Hiscox: Specialty commercial carrier with strong presence in professional liability and small business insurance, including medical malpractice. Comparable to Encompass's medical malpractice and small commercial offerings at carrier level.

Emerging players

• Next Insurance: Digital-first small commercial insurance carrier targeting SMBs with simplified online quoting. Competes directly with Encompass's small business and specialty commercial lines (daycare, event, malpractice) via a technology-led, agent-light model.

Others

• Berkshire Hathaway GUARD Insurance: One of Encompass's named carrier partners for landlord and small commercial coverage in New York. Comparable as a counterparty carrier relationship and as a competitor for the same landlord and commercial book.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/EncompassNY
• Instagraminstagram.com/encompass_insurance_agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 Encompass Agency