Associates of Glens Falls

What Associates of Glens Falls does

Associates of Glens Falls, Inc. (AOGF) is a privately held, family-owned independent insurance agency founded in 1967 in Glens Falls, New York, and currently operating with 28 employees. The firm is led by President Chuck Gohn, continuing a multi-generational legacy from founder George Gohn, and has explicitly stated it is actively pursuing additional acquisitions throughout the region. The agency serves a national book of more than 4,000 clients spanning 'Maine to Hawaii' across personal, commercial, and specialty lines.

AOGF distributes insurance products from more than 50 carrier partners, including Travelers, Nationwide, Liberty Mutual, Chubb, CNA, Acadia, Michigan Millers, and Philadelphia Insurance. Core product lines are organized into Personal Insurance (auto, homeowners, health, life, long-term care, disability, liability), Commercial Insurance (commercial auto, property, health, life, liability, workers' comp, cyber liability), Sports Insurance (a specialty line inherited via the Loomis & LaPann acquisition covering amateur leagues, state high school associations, and US Olympic Committee national governing bodies), Risk Management consulting, and a 24/7 in-house Claims Department. The agency operates proprietary technology platforms — the My AOGF online portal with a mobile app for policy document and certificate management, and the Risk Management Center web suite for safety/OSHA compliance tools.

Revenue is generated through commissions earned from placing policies with the firm's carrier partners across personal and commercial lines, with no subscription model or direct underwriting exposure. Pricing is quote-based and not publicly disclosed; the firm offers free online quotes from up to six carriers in under five minutes for personal auto and home. Customer acquisition is driven by a sales-led motion executed through licensed insurance agents at the Glens Falls headquarters and direct-to-consumer digital tools. The firm emphasizes talent credentials — claiming one of the industry's highest percentages of employees with designations including CPCU, CIC, ARM, and CISR — and cites a 50% faster claims resolution rate than competitors as a service differentiator. In October 2015, AOGF acquired Loomis & LaPann, Inc., a Glens Falls-based independent general insurance agency founded in 1852 specializing in amateur sports programs and licensed in all 50 states.

Name

Associates of Glens Falls

Legal name

Associates of Glens Falls, Inc.

Website

https://aogf.com

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

11–50 employees

Short description

Associates of Glens Falls is a privately held independent insurance agency in Glens Falls, NY, offering personal, commercial, and specialty sports insurance through 50+ carrier partnerships to 4,000+ clients nationwide, with an in-house claims department and risk management consulting arm.

Ownership category

akta.pro rank

Headquarters

HQ city

Glens Falls

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, Infrastructure

Revenue model

1. Insurance Agency Commissions: Earns commissions from insurance carriers for placing personal and commercial insurance policies. Works as an independent agent with access to over 50 different insurance carriers.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Associates of Glens Falls is an independent insurance agency that places personal and commercial insurance policies by shopping across 50+ insurance carriers. It also delivers in-house claims management, risk management consulting, and amateur sports insurance through its subsidiary Loomis & LaPann, Inc. The firm operates dedicated Personal, Commercial, and Life & Health divisions staffed by licensed specialists with industry designations.

Product overview

Associates of Glens Falls is an independent insurance agency offering a comprehensive portfolio of insurance products and services. The core offerings include Personal Insurance (automobile, homeowners, health, life, long term care, disability, and liability) and Commercial Insurance (automobile, property, health, life, liability, and cyber liability) for businesses across industries including construction, manufacturing, social services, and resort/recreation. They also provide specialized Sports Insurance through their acquired subsidiary Loomis & LaPann, Inc. The agency operates an integrated technology platform featuring My AOGF Portal for policy document access and a Risk Management Center for loss control and OSHA compliance. Their service model includes an in-house 24/7 Claims Department and Risk Management consulting services.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal lines insurance covering automobile, homeowners, health, life, long-term care, disability, and liability coverage for individuals and families.
• Commercial Insurance Commercial property and casualty insurance for businesses including automobile, property, health, life, liability, and cyber liability coverage, serving industries such as construction, manufacturing, social services, resort and recreation.
• Sports Insurance Insurance programs for amateur sports leagues covering venues, tournaments, spectators, participants and staff, including general liability, media liability, professional, property, student accident, and umbrella coverages.
• Life Insurance Life, long-term care, and disability insurance products for individuals and businesses.
• Risk Management Services Risk management and loss control consulting services including workers' compensation, automobile, professional liability, directors & officers, employment practices liability, pollution liability, OSHA compliance, claims cost containment, and mod analysis.
• In-House Claims Department 24/7 in-house claims department that processes, monitors, and services claims with technology allowing 24/7 access to claim and underwriting information from any location, with claims resolved 50% faster than competitors.
• Cyber Liability Insurance Specialized cyber insurance addressing risks from data breaches, intellectual property rights, third-party system damages, system failure, cyber extortion, and business interruption.
• Commercial Property Insurance Commercial property coverage including replacement cost coverage, business income and extra expense coverage, and green coverage for eco-friendly technology or construction.
• Umbrella Liability Insurance Umbrella liability coverage starting at $1 million, with additional millions available at $50-75 per million, typically costing less than $300 annually for the first $1 million.
• My AOGF Online Portal Online portal with mobile app providing 24/7 access to policy documents, certificates of insurance, auto ID cards, and insurance information on demand.
• Risk Management Center Web-based software suite providing safety and risk management tools, OSHA log reporting, workers' compensation resources, downloadable materials, and online service request processing for organizations' risk prevention efforts.
• Free Online Quote Tool Free online quote system providing quotes from up to six different insurance carriers within five minutes for personal insurance products.
• Loomis & LaPann Insurance Programs Specialized insurance programs for State High School Athletic/Activities Associations, State High School Coaches Associations, United States Olympic Committee National Governing Bodies, and amateur sports groups/associations. Coverages include catastrophic, directors and officers, inland marine, international travel, media/cyber, participant/accident, and umbrella/excess. Licensed in all 50 states.

Quantifiable outcome

• Claims resolved 50% faster than competitors
• +2 more outcomes

Named customers6 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

Integration4 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• Philadelphia Insurance CompaniesminorStrategic or Co-development Partner · 1 January 2018Philadelphia Insurance Companies partnered with AOGF associates for spring Community Work Day at Double H Ranch, consisting of grounds cleanup and community support activities.
• Adirondack ThunderminorGTM or Marketing Partner · 1 January 2018AOGF and Loomis & LaPann partnered with Adirondack Thunder hockey team to donate $25 for every Thunder home goal scored during regular seasons to community causes including Moreau Community Center's Backpack Program and The Open Door Mission's Backpack Program.
• Loomis & LaPann, Inc.coreStrategic or Co-development Partner · 1 October 2015Acquired in October 2015, Loomis & LaPann is an independent general insurance agency founded in 1852. They specialize in insurance programs for amateur sports groups and associations, working with various insurance underwriters to provide comprehensive insurance products. AOGF and Loomis & LaPann are licensed in all 50 states.
• Acadia InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial insurance products through AOGF agency
• Travelers InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner offering both personal and commercial insurance products
• NationwidecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial insurance products
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial insurance products
• ChubbcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial insurance products
• CNAcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial insurance products
• Michigan Millers InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner that named AOGF their Top NY Agency for 2020 and Preferred Agency Partner for 2020

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Acrisure: Acrisure is one of the largest U.S. insurance brokerage aggregators, built almost entirely through the acquisition of independent agencies very similar in profile to AOGF. Its tech-enabled, decentralized model provides a direct comparison for AOGF's stated acquisition ambitions and roll-up trajectory.
• Brown & Brown: Brown & Brown is a large publicly-traded independent insurance agency that has grown extensively through acquiring regional agencies — directly comparable to AOGF's independent agency model, multi-carrier distribution, and regional commercial/personal book of business.
• Hub International: Hub International is a leading insurance brokerage built by acquiring independent regional agencies across North America. Comparable to AOGF in operating model (independent, multi-carrier, commercial + personal lines) and in pursuing regional consolidation.
• USI Insurance Services: USI is a large independent insurance brokerage serving middle-market clients through a multi-carrier, multi-line distribution model closely aligned with AOGF's structure and target customer base.
• Hilb Group: Hilb Group is a middle-market insurance brokerage actively acquiring regional independent agencies across the U.S. — a highly comparable peer given AOGF's stated interest in regional M&A.
• World Insurance Associates: World Insurance Associates is a rapidly growing insurance brokerage built by acquiring independent agencies in the Northeast and nationwide — directly comparable to AOGF in geography, customer mix, and acquisition-led growth strategy.
• Burns & Wilcox: Burns & Wilcox is a wholesale insurance brokerage specializing in complex commercial and specialty lines — comparable to AOGF's specialty expertise in construction, manufacturing, recreation, and nonprofit/social-service risks.

Broad incumbents

• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk-management firm that competes for the same commercial accounts (construction, manufacturing, social services, recreation) as AOGF but at materially larger scale, serving as a benchmark for AOGF's growth ceiling.
• Marsh McLennan: Marsh is the world's largest insurance broker and a broad incumbent competitor across commercial P&C, risk management, and claims services — comparable in service breadth, though at enterprise scale vastly larger than AOGF.

Others

• Keystone Insurers Group: Keystone is an alliance of independent insurance agencies that pool carrier leverage and operational resources — a peer model for how a regional agency like AOGF can scale carrier relationships and back-office capabilities without full M&A.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/aogfinc
• LinkedInlinkedin.com/company/associates-of-glens-falls-insurance
• Instagraminstagram.com/assocofglensfalls

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

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 Associates of Glens Falls