Partlow Insurance

What Partlow Insurance does

Partlow Insurance Agency, Inc. is a privately held, family-owned independent insurance agency founded in May 2001 by Jerry B. Partlow and headquartered in Winchester, Virginia. The firm is a full-service insurance broker distributing personal and commercial coverage on behalf of multiple carriers through five physical offices across Virginia and New Jersey, employing 30+ staff organized into product-dedicated divisions covering Personal Lines, Business Insurance, Transportation, Professional Liability, Social Services/Nonprofit Special Education, and Employee Benefits/Group Health.

Revenue is generated primarily through carrier commissions on policies placed, with no external funding. The go-to-market is sales-led: in-person service at branch offices, phone-based sales supported by a toll-free number, and segmented online quote request forms for each product line (transportation, business, malpractice, lawyer's professional liability, group health, plus personal lines via a third-party SemCat entry form). Marketing channels include Facebook, Twitter/X, YouTube, LinkedIn, a blog with educational content, community event sponsorships, and direct quote-request capture.

The firm's most defensible position is its national reputation as a leader in insuring nonprofit social services and special education institutions, anchored by endorsement relationships with five state-level associations (NAPSEC, VAISEF, ASAH, IAPSEC, AAPSEP). Other verticals of note include transportation/trucking insurance (under VP David Partlow), medical malpractice for physician practices, and lawyer's professional liability. Growth has been executed through bolt-on agency acquisitions (Jamison & Gore in 2001, Fredericksburg/New Jersey in 2015, Front Royal in 2021) and de novo branch openings (Old Town Winchester in 2020), with the Partlow family retaining controlling ownership and senior leadership across the CEO, President, and four VP seats.

Name

Partlow Insurance

Legal name

Partlow Insurance Agency, Inc.

Website

https://partlowinsurance.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Family-owned independent insurance agency founded in 2001, operating five offices across Virginia and New Jersey. Provides personal, commercial, transportation, professional liability, employee benefits, and nonprofit social services insurance, with a nationally recognized specialty in special education institution coverage.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industries

Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF), Long-Term Disability (LTD) Insurance (FSAIAIAD), Standalone Umbrella Liability (FSAJANAE), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Commercial insurance brokerage
• Personal lines insurance
• Transportation insurance agency
• Professional liability coverage
• Employee benefits consulting

Headquarters

HQ city

Winchester

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Commissions: Agency earns commissions from insurance carriers for policies placed. Revenue is derived from commissions on personal lines (auto, home, life, health), commercial/business insurance, professional liability, transportation insurance, and employee benefits policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Partlow Insurance is a full-service independent insurance agency that places personal and commercial insurance policies with multiple carriers on behalf of clients. Its offerings span Personal Lines (auto, homeowners, umbrella, life, health), Business Insurance (workers compensation, commercial coverage), Professional Liability, Transportation Insurance, Social Services/nonprofit insurance, and Group Health/Employee Benefits consulting. Revenue is earned through commissions paid by the underwriting carriers on policies placed.

Product overview

Partlow Insurance is a full-service insurance agency offering a unified platform of insurance products across multiple categories. The core portfolio includes Personal Lines (auto, homeowners, umbrella, life, health), Business Insurance (workers compensation, commercial coverage), Professional Liability (malpractice, errors and omissions, cyber liability), Transportation Insurance (auto liability, cargo, physical damage), Social Services insurance for nonprofits, and Employee Benefits/Group Health (medical, dental, vision, disability). The agency operates multiple specialized divisions with dedicated staff for each product line, serving clients across Virginia and New Jersey through multiple office locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Lines Insurance Personal insurance coverage for individuals and households including auto, homeowners, umbrella, life, and health insurance; the agency monitors life changes to proactively adjust coverage.
• Business Insurance Comprehensive business insurance coverage including workers compensation and commercial lines for retailers, manufacturers, professionals, artisans, wholesalers, clubs, schools, and commercial contractors.
• Social Services Insurance Specialized insurance for nonprofit social service organizations and special education institutions; recognized nationally as a leader in this sector.
• Transportation Insurance Comprehensive insurance for transportation businesses and truckers including auto liability, physical damage, cargo, garagekeepers, inland marine, excess liability, and trailer interchange coverage.
• Professional Liability Insurance Professional liability insurance for physicians, lawyers, accountants, real estate professionals, and others; covers malpractice, employment practices liability, cyber liability, D&O, E&O, workers compensation, general liability, and commercial umbrella.
• Group Health / Employee Benefits Full-service employee benefits consulting including medical/Rx, consumer-driven health plans, self-funded programs, dental, vision, life, disability, voluntary worksite benefits, PEOs, Medicare solutions, plus wellness, HR consulting, healthcare reform compliance, and benefit communication.

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• NAPSEC (National Association of Private Special Education Centers)coreStrategic or Co-development Partner · 1 January 2001Partlow Insurance began with endorsement from NAPSEC, one of three original social service agency endorsements. The agency originally focused on special needs education centers and physicians practices.
• VAISEF (Virginia Association of Independent Special Education Facilities)coreStrategic or Co-development Partner · 1 January 2001Initial endorsement partner for Partlow Insurance's social services division.
• ASAH (New Jersey Association)coreStrategic or Co-development Partner · 1 January 2001Initial endorsement partner for Partlow Insurance's social services division serving New Jersey region.
• IAPSEC (Illinois Association of Private Special Education Centers)coreStrategic or Co-development Partner · 1 January 2001Later endorsement partner added to expand social services coverage to Illinois.
• AAPSEP (Arizona Association of Private Special Education Providers)coreStrategic or Co-development Partner · 1 January 2001Fifth endorsement partner added to extend social services coverage to Arizona.
• Insurance Carriers (Transportation)coreStrategic or Co-development Partner · 1 January 2001Partnership with financially strong carriers who understand the transportation industry and truckers' unique insurance needs.

Scale indicators3 records

Recent moves10 records

Expansion highlights4 records

Broad incumbents

• Hub International: Hub International is a large North American insurance brokerage built largely through acquisitions of independent agencies offering personal, commercial, and employee benefits coverage. Partlow mirrors Hub's multi-line agency model and regional consolidation approach, making it a structural comparable.
• Arthur J. Gallagher & Co. Arthur J. Gallagher is a global insurance brokerage and risk management firm with a substantial retail brokerage segment built on acquired regional agencies. It competes with Partlow for the same commercial and personal lines clients and represents a strategic exit counterparty.
• Marsh McLennan Agency: Marsh McLennan Agency is the middle-market arm of Marsh McLennan, providing commercial, personal, and employee benefits solutions through regional offices. It directly overlaps with Partlow's middle-market commercial and benefits service offerings.
• Brown & Brown: Brown & Brown is a large publicly traded insurance distributor that has built its business through acquisitions of regional agencies offering similar multi-line products. It serves as a public-market reference point for valuation multiples on a roll-up of agencies like Partlow.
• Acrisure: Acrisure is one of the largest insurance brokers in the world and an aggressive acquirer of small-to-mid-market agencies across personal, commercial, and specialty lines. Like Partlow, it serves multi-line clients and relies heavily on commission revenue; it represents the most likely strategic acquirer profile for a regional roll-up candidate.

Direct peers

• The Hilb Group: The Hilb Group is a PE-backed insurance brokerage roll-up focused on Mid-Atlantic and Southeastern U.S. agencies offering personal, commercial, and employee benefits. It is a strong regional comparable to Partlow, which operates in Virginia and New Jersey with similar product breadth.
• World Insurance Associates: World Insurance Associates is a PE-backed insurance agency roll-up acquiring regional brokers across personal, commercial, transportation, and benefits lines. As a consolidator of agencies similar in size and product mix to Partlow, it is one of the closest direct comparables for valuation and exit dynamics.
• Risk Strategies Company: Risk Strategies is a PE-backed national insurance brokerage acquiring specialty and mid-market agencies across professional, transportation, personal lines, and benefits. Its acquisition-led growth and specialty focus closely mirror Partlow's niche-led, multi-line model.

Emerging players

• Valley Insurance Agency Alliance: Valley Insurance Agency Alliance is a cluster group of independent insurance agencies sharing carrier access and back-office resources. As a peer support network model, it overlaps with how Partlow accesses multiple carriers and operates as an independent agency.

Regional players

• INSURICA Insurance Managers & Advisors: INSURICA is a multi-state independent insurance agency offering personal, commercial, transportation, and employee benefits coverage through regional offices. Its product mix and agency-led model are highly comparable to Partlow's full-service approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/PartlowIns
• YouTubeyoutube.com/user/PartlowIns?feature=watch
• Facebookfacebook.com/PartlowInsurance
• LinkedInlinkedin.com/company/partlowinsuranceagencyinc/about

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Partlow Insurance