Martin & Zerfoss
- Company typePrivate
- Founded1997
- HeadquartersNashville, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
Martin & Zerfoss firmographics
Firmographics- Name
- Martin & Zerfoss
- Legal name
- Martin & Zerfoss, Inc.
- Website
- https://martinzerfoss.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Martin & Zerfoss industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Insurance Program Administration & MGA/MGU Services (FSAEADAK)
- akta.pro secondary industries
- Nonprofit / Social Services BOP (FSAJAFAM), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Large Commercial Package (National Accounts) (FSAJAFAC)
Keywords
Where Martin & Zerfoss is headquartered
LocationHeadquarters
- HQ city
- Nashville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Martin & Zerfoss business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Insurance Commissions: Agency earns commissions from insurance carriers for placing business. As an independent agency, they represent multiple insurance carriers and earn commissions on policies sold.
- HR Consulting Services: Group benefits and HR consulting services including benefit administration, compliance consulting, and HR framework development.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Martin & Zerfoss product offering
Product offeringCore offering
Martin & Zerfoss is an independent insurance agency that sells personal, commercial, and specialty insurance products on behalf of multiple national and regional carriers, and also provides group benefits administration and HR consulting. Beyond its retail agency operations, it runs an in-house Managing General Agency (MGA) that underwrites and distributes niche insurance programs (e.g., community bank, brewery, charter school, church, non-profit, affluent personal lines) on a wholesale basis to other retail agents.
Product overview
Martin & Zerfoss is an independent insurance agency offering a comprehensive suite of insurance solutions. The company operates as both a retail agency providing personal and business insurance directly to clients, and as a Managing General Agency (MGA) providing wholesale insurance products to retail agents. Their product portfolio includes personal lines insurance (home, auto, renters, condo, motorcycle, watercraft, classic car, flood, RV), business insurance (brewery/distillery, charter school, church, commercial bank, non-profit), group benefits & HR consulting (medical, dental, vision, disability, life, accident, cancer, long term care, HSA/FSA/HRA), and affluent personal lines through their MGA division. The company also offers specialized bank insurance products for community banks including D&O, professional liability, cyber, property, and bonds.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Serving clients throughout Tennessee and the United States with comprehensive insurance solutions
Companies that use Martin & Zerfoss
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles5 records
Martin & Zerfoss technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Martin & Zerfoss partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Insurance Partners (National and Regional Carriers)coreMartin & Zerfoss operates as an independent agency representing multiple top-rated national and regional insurance carriers, providing clients with the power of choice from different providers.
- Affluent and Personal MGA Key PartnerscorePartnership with major insurance carriers supporting the Affluent and Personal MGA operations. Logo partners shown on website for high net worth insurance products including home, auto, and valuable collections coverage.
- Our BIGN PartnershipminorBIGN (Big I Nashville) partnership mentioned as part of agency association and industry collaboration network.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Martin & Zerfoss competitors and assessment
Company assessmentDirect peers
- AssurePartners: National independent insurance agency and MGA rollup that operates both retail brokerage and wholesale programs. Directly comparable to Martin & Zerfoss's dual retail/MGA model with multi-vertical specialization.
- Burns & Wilcox: Major wholesale insurance broker/MGA specializing in excess-and-surplus and specialty commercial lines, including affluent personal and niche commercial segments. Mirrors Martin & Zerfoss's MGA channel for specialty and high net worth placements.
- RPS (Risk Placement Services): Specialty wholesale broker and MGA serving retail agents across the U.S. with delegated authority in niche verticals. Comparable to Martin & Zerfoss's bank and affluent MGA operations.
- AmWINS Group: Largest U.S. specialty wholesale distributor and MGA, with delegated underwriting authority across personal and commercial specialty lines. Closest scaled analog to Martin & Zerfoss's affluent and bank MGA businesses.
- Higginbotham: Independent insurance and risk services firm combining retail brokerage with employee benefits and HR-adjacent consulting. Closely parallel to Martin & Zerfoss's combination of personal/commercial lines plus group benefits and HR consulting.
- CRC Group: Wholesale specialty broker and MGA with delegated underwriting authority across commercial lines serving retail agents. Comparable distribution and underwriting model to Martin & Zerfoss's bank and affluent MGA.
Broad incumbents
- Brown & Brown: Large national insurance brokerage operating across personal, commercial, and benefits lines, including through MGA/program services. Overlaps Martin & Zerfoss across all major verticals but at much greater scale.
- USI Insurance Services: Large diversified insurance brokerage and benefits consulting firm with a national platform. Overlaps Martin & Zerfoss's retail agency and group benefits/HR consulting offerings.
- Marsh & McLennan Agency: National insurance brokerage and risk management firm offering commercial, personal, and benefits products across multiple industries. Comparable full-service model at much larger scale.
Emerging players
- NEXT Insurance: Digital-first InsurTech MGA providing online commercial insurance for small businesses including breweries and other main-street verticals. Represents the tech-enabled competitive threat to traditional agency models like Martin & Zerfoss.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Martin & Zerfoss social profiles
Digital presenceMartin & Zerfoss financial estimates
Financial estimateRevenue estimate
Valuation estimate
Martin & Zerfoss leadership team
Management profileNumber of profiles
Profiles2 records
Martin & Zerfoss funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Martin & Zerfoss 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 Martin & Zerfoss
What does Martin & Zerfoss do?
Martin & Zerfoss is an independent insurance agency that sells personal, commercial, and specialty insurance products on behalf of multiple national and regional carriers, and also provides group benefits administration and HR consulting. Beyond its retail agency operations, it runs an in-house Managing General Agency (MGA) that underwrites and distributes niche insurance programs (e.g., community bank, brewery, charter school, church, non-profit, affluent personal lines) on a wholesale basis to other retail agents.
Is Martin & Zerfoss a public or private company?
Martin & Zerfoss is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Martin & Zerfoss founded?
Martin & Zerfoss was founded in 1997. It employs 11 to 50 people.
Where is Martin & Zerfoss based?
Martin & Zerfoss is headquartered in Nashville, United States, in the North America region.
How does Martin & Zerfoss make money?
Two revenue lines are on record. Insurance Commissions are the primary driver. The others are HR Consulting Services.
Who are Martin & Zerfoss's main competitors?
Direct peers on record are AssurePartners, Burns & Wilcox, RPS (Risk Placement Services), AmWINS Group, Higginbotham and CRC Group. Broad incumbents are Brown & Brown, USI Insurance Services and Marsh & McLennan Agency. NEXT Insurance is listed as an emerging player.
Does Martin & Zerfoss have an API?
No public API is recorded for Martin & Zerfoss.
What industry is Martin & Zerfoss in?
Martin & Zerfoss's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAEADAK, Insurance Program Administration & MGA/MGU Services, with a secondary code of FSAJAFAM, Nonprofit / Social Services BOP. Its NAICS code is 5242 and its SIC code is 6411.