Jenkins and James Insurance

What Jenkins and James Insurance does

Jenkins & James Insurance Agency is a privately-held, independent insurance agency headquartered at 6651 N Oak Trafficway in Gladstone, Missouri, serving the Kansas City metropolitan area. Founded circa 1994 and operating for over 30 years, the firm functions as an intermediary between customers and multiple insurance carriers, distributing both personal and commercial coverage. The agency is small-scale, with 1 to 10 employees and team members Barry McCullough and Charles E. (Chuck) Jenkins, Jr. identified as principals. There are no disclosed subsidiaries, parent entities, external investors, or institutional funding events; ownership is founder/operator-based.

The agency's product portfolio spans personal lines — auto, home and renters, life, recreational (motorcycle, boat, RV, ATV), and umbrella insurance — and commercial lines, including commercial property, general liability and inland marine, commercial umbrella, workers' compensation, professional liability, and two specialty trade programs for tree care and pest control operators. Distribution is sales-led and direct: phone (816) 453-8555, email, and a website quote-request funnel are the primary engagement channels. The technology stack consists of standard insurance industry platforms for policy management and carrier connectivity; there is no proprietary technology, AI/ML capability, app, or API surface disclosed.

Revenue is generated through commissions earned from multiple carriers on policies placed, billed monthly with quote-based pricing that varies by individual risk profile. The go-to-market motion is personalized, local, and relationship-driven, targeting individuals, families, and small-to-medium businesses in the Kansas City metro. Marketing is largely organic via the company website, with no disclosed social, paid, or partnership channels. No certifications, regulatory actions, M&A, or leadership changes have been recorded in the available data.

Name

Jenkins and James Insurance

Legal name

Jenkins & James Insurance Agency

Website

https://jenkinsandjames.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Jenkins & James Insurance is a privately-held, independent insurance agency in Gladstone, Missouri, serving individuals and small businesses in the Kansas City metro with personal and commercial coverage sourced from multiple carrier partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance broker
• Auto home life insurance
• Local insurance agent

Headquarters

HQ city

Gladstone

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, Infrastructure, Technology or R&D, Others

Revenue model

1. Insurance Commissions: As an independent insurance agency, Jenkins & James Insurance earns commissions from multiple insurance carriers for policies sold to customers. They work with reputable insurance carriers to provide coverage options to their customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Jenkins and James Insurance Agency is an independent insurance agency that places personal and commercial insurance policies on behalf of customers through multiple partner carriers. Personal lines include auto, home and renters, life, recreational vehicles, and umbrella coverage; commercial lines include commercial property, general liability and inland marine, commercial umbrella, workers compensation, professional liability, and specialized packages for tree care and pest control businesses. The agency earns commissions from carriers and serves the Gladstone and Kansas City, Missouri area.

Product overview

Jenkins & James Insurance Agency is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The company provides personal lines including Auto Insurance, Home and Renters Insurance, Life Insurance, Recreational Insurance, and Umbrella Insurance, as well as commercial lines including Commercial Property Insurance, General Liability & Inland Marine Insurance, Commercial Umbrella Insurance, Workers Compensation Insurance, Professional Liability Insurance, Tree Care Insurance, and Pest Control Insurance. With over 30 years of experience serving the Gladstone, Missouri and Kansas City area, the agency acts as an intermediary between customers and reputable insurance carriers to provide customized coverage at competitive rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto insurance coverage for bodily injury liability, uninsured motorist exposure, accidents, theft, and vandalism, with optional add-ons such as roadside assistance, rental car reimbursement, and gap coverage for leased vehicles. Targeted at individual drivers and households in the Gladstone and Kansas City, MO area.
• Home and Renters Insurance Coverage for owner-occupied homes and rental properties against fire, theft, vandalism, and natural disasters, with optional endorsements for valuable items, identity theft, and additional living expenses. For homeowners and renters in the Kansas City, MO service area.
• Life Insurance Life insurance coverage providing financial protection for beneficiaries, covering final expenses, outstanding debts, ongoing living costs, children's education funding, and retirement income supplementation. For individuals and families seeking income replacement and estate protection.
• Recreational Insurance (Motorcycle, Boat, RV, ATV) Insurance for recreational vehicles including motorcycles, boats, RVs, and ATVs, providing liability, comprehensive, and collision coverage with optional endorsements for roadside assistance and emergency towing. For owners of recreational vehicles in the Kansas City, MO area.
• Personal Umbrella Insurance Personal umbrella insurance providing additional liability protection of $1 million or more beyond the limits of underlying auto, home, or renters policies. For individuals and households seeking excess liability coverage to protect personal assets.
• Commercial Property Insurance Coverage for commercial buildings and business contents, including lost income and business interruption, buildings, computers, money, and valuable papers, with optional business interruption coverage. For small and medium-sized local businesses in the Kansas City, MO service area.
• General Liability & Inland Marine Insurance General liability coverage for bodily injury, property damage, and advertising injury claims, combined with inland marine coverage for property, equipment, tools, and goods in transit over land. For small and medium businesses needing premises liability plus mobile equipment protection.
• Commercial Umbrella Insurance Excess liability protection sitting above primary commercial liability policies (general liability, commercial auto, employer's liability) to shield business assets from catastrophic losses. For businesses seeking higher liability limits than their primary policies provide.
• Workers Compensation Insurance Coverage for work-related injuries or illnesses, paying medical expenses, rehabilitation costs, lost wages, and legal expenses for affected employees. For employers in the Kansas City, MO area needing statutory workers comp compliance.
• Professional Liability Insurance Errors and omissions coverage protecting against claims of negligence, errors, or omissions in professional services, including legal fees, court costs, and damages. For professionals and service businesses facing malpractice or negligence exposure.
• Tree Care Insurance Specialized package for tree care companies bundling general liability (up to $1,000,000 per occurrence / $3,000,000 aggregate), arborist professional liability, pollution liability, inland marine protection, and property coverage. For tree service and arborist businesses.
• Pest Control Insurance Specialized package for pest control companies bundling general liability, commercial auto, workers compensation, and pollution liability for chemical applications, wildlife removal, and property inspections. For pest control operators and exterminators.

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights2 records

Broad incumbents

• Farmers Insurance: National carrier with a large captive-agent footprint; competes for personal-lines households and small-business coverage in Missouri.
• GEICO: Direct-to-consumer auto insurance giant whose digital pricing model pressures local agencies like Jenkins & James on auto renewal competitiveness.
• Allstate: National carrier with captive agents offering auto, home, and life coverage — competing head-to-head for personal-lines households in the Gladstone/Kansas City area.
• Nationwide: National mutual insurer with independent-agent distribution; competes with Jenkins & James for personal and small-commercial lines in the KC metro.
• Progressive: Major auto insurer with strong direct-channel presence; one of the incumbent carriers Jenkins & James likely places business with and competes against for personal-lines customers.
• State Farm: Largest U.S. personal-lines insurer with a captive-agent model that directly competes for the same auto, home, and life customers Jenkins & James serves in the Kansas City market.
• Liberty Mutual: Large national carrier offering personal and commercial lines through both direct channels and independent agents — competing for the same small-commercial book Jenkins & James targets.

Regional players

• Erie Insurance: Regional mutual insurer distributing through independent agents across a limited state footprint; competitive in the personal-lines segments where Jenkins & James operates.
• Auto-Owners Insurance: Regional mutual carrier distributed exclusively through independent agents — a direct structural peer to Jenkins & James in the small-commercial and personal-lines market.
• American Family Insurance: Regional personal-lines carrier with captive-agent force headquartered in the upper Midwest; a strong direct competitor in the Kansas City metro for auto and home.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/jenkinsandjames

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Jenkins and James Insurance