Inter-Agency Insurance Service

What Inter-Agency Insurance Service does

Inter-Agency Insurance Service is a boutique, full-service independent insurance agency founded in 1966, headquartered at 6209 Baum Drive in Knoxville, Tennessee and family-owned under President Lou Moran III. It operates under the legal name Inter-Agency Insurance Services, Inc., is licensed in 35+ U.S. states, and represents 45+ AM Best A-rated (or better) insurance carriers. Its customer base is a hybrid of individual/family consumers (auto, home, renters, umbrella, boat, specialty vehicles, valuable property, flood, pet) and small, mid-sized, and large commercial clients (general liability, property, workers' compensation, professional liability, commercial auto, cyber, management liability, inland marine, commercial umbrella/excess, surety bonds), with industry-specific verticals including contractors, hospitality/restaurants, manufacturing, distributors, HOAs/condos, real estate developers, and utility providers. The firm serves approximately 3,000 clients locally and nationwide.

The agency does not sell proprietary technology; its technical footprint is a set of third-party digital channels. Personal lines prospects are funneled through consumerratequotes.com, an online rate-quote system; commercial surety bonds are issued via a Propeller-powered instant portal that delivers approvals in minutes; a lossfreerx.com login handles risk management services. Marketing and distribution combine the agency's website, Facebook and LinkedIn pages, educational blog content, and industry memberships (Trusted Choice, Fortified Independent Insurance, Insurors TN), with phone, email, and in-person consultation at the Knoxville office as the primary sales surface.

Commercially, Inter-Agency earns commissions from carriers for policies placed with clients, leveraging its independent status to compare coverage and pricing across 40+ A-rated partners. Pricing is not publicly disclosed; quotes are produced through online systems and direct consultation, varying by carrier, coverage type, and individual risk. GTM is sales-led across both B2C (personal lines) and B2B (commercial), with a regional primary footprint in Knoxville / East Tennessee / Southeast and a broader 35+ state licensed reach. No revenue, funding, M&A, or leadership change history beyond Lou Moran III's 2024 Nationwide feature is on record.

Name

Inter-Agency Insurance Service

Legal name

Inter-Agency Insurance Services, Inc.

Website

https://inter-agencyinsurance.com

Company type

Private

Founded year

1966

Operating status

Operating

Headcount range

11–50 employees

Short description

Inter-Agency Insurance Service is a family-owned independent insurance agency founded in 1966 in Knoxville, Tennessee, serving approximately 3,000 personal and commercial clients across 35+ U.S. states through 45+ AM Best A-rated carrier partnerships.

Ownership category

akta.pro rank

Headquarters

HQ city

Knoxville

HQ country

United States

HQ region

North America

Offices2 records

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 Commission Revenue: As an independent insurance agency, Inter-Agency generates revenue through commissions paid by insurance carriers they represent. They compare coverages and pricing from multiple carriers to find the best options for clients, earning commissions from the placed policies.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Inter-Agency Insurance Service is an independent insurance agency that compares coverages and pricing across 45+ AM Best A-rated carriers to place personal and commercial insurance policies on behalf of clients. The firm earns commissions from carriers for policies placed and serves individuals, families, and businesses across 35+ states, with primary roots in Knoxville and East Tennessee.

Product overview

Inter-Agency Insurance Service is a boutique, full-service independent insurance agency serving businesses and individuals since 1966. The company offers a comprehensive portfolio of personal insurance products (homeowners, automobile, renters, umbrella, boat, specialty vehicles, valuable property, flood, and pet insurance) and commercial insurance products (general liability, property, workers' compensation, professional liability, commercial auto, cyber, management liability, inland marine, umbrella, and surety bonds). The agency also provides digital platforms including the Propeller Bonds Quoter for instant bond approvals and an online personal lines quote system. The company represents 40+ AM Best-rated A-or-better insurance carriers and serves clients across 35+ states, positioning itself as a one-stop shop that compares coverage options and pricing to find the best value for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Coverage protecting the dwelling, personal property, and liability for homeowners against perils like fire, wind, theft, and vandalism.
• Automobile Insurance Vehicle coverage protecting against repair costs from accidents, theft, and liability for damage caused to others.
• Renters Insurance Coverage protecting personal belongings and liability for tenants who rent their residence.
• Personal Umbrella Insurance Additional liability coverage beyond existing policies, providing extra protection against lawsuits and major claims.
• Boat Insurance Coverage for watercraft including property protection, liability, and uninsured boater coverage.
• Secondary Home Insurance Specialized coverage for vacation homes with different protection needs than primary residences.
• Specialty Vehicles Insurance Customized coverage for RVs, motorcycles, ATVs, and classic cars.
• Valuable Property Insurance Separate coverage for prized possessions such as jewelry, art, and other high-value items.
• Flood Insurance Coverage for losses directly caused by flooding, available through Auto-Owners Insurance or NFIP.
• Pet Insurance Coverage through Figo Pet Insurance reimbursing for unexpected veterinary medical bills for dogs and cats.
• General Liability Insurance Customized insurance package protecting businesses from risks involving employees, clients, and vendors.
• Commercial Property Insurance Coverage protecting business assets from theft, damage, or destruction by fire or natural disaster.
• Workers' Compensation Insurance Business insurance providing benefits to employees for work-related injuries or illnesses, covering medical care and lost wages.
• Professional Liability Insurance Errors and omissions insurance protecting against claims of negligence, malpractice, and professional mistakes.
• Commercial Automobile Insurance Coverage protecting businesses from risks associated with commercial vehicles and employees driving on the road.
• Cyber Insurance Coverage for business liability related to data breaches or ransomware attacks involving sensitive customer information.
• Management Liability Insurance Coverage including Directors & Officers, Employment Practices Liability Insurance (EPLI), and Fiduciary policies.
• Inland Marine Insurance Coverage protecting business property while off-site, in transit on land, or specialized items not covered by standard property policies.
• Commercial Umbrella/Excess Liability Insurance Extra liability coverage for excess claims that exceed existing policy limits.
• Surety Bond Services Bond coverage including license and permit, payment and performance, court, and bid bonds, available through the Propeller Bonds portal.
• Propeller Bonds Quoter Instant surety and fidelity bond portal offering approvals in minutes for license, permit, payment, performance, court, and bid bonds.
• Online Personal Lines Quote System Third-party online rate quote system for personal insurance (auto, home, and other personal items) with advisor follow-up.

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

50 partnerships are on record, tiered core and minor.

• Accident Fund Insurance Company of AmericacoreChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier represented by Inter-Agency for commercial clients.
• AmerisafecoreChannel Partner/ Reseller/ DistributorWorkers compensation and property insurance carrier for commercial lines.
• Argo GroupcoreChannel Partner/ Reseller/ DistributorCommercial and specialty insurance carrier.
• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorPersonal and commercial insurance carrier offering auto, home, and flood insurance products. Provides flood insurance through NFIP.
• Berkley AspirecoreChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier for commercial clients.
• Berkley Southeast Insurance GroupcoreChannel Partner/ Reseller/ DistributorRegional commercial insurance carrier.
• Berkshire Hathaway GUARDcoreChannel Partner/ Reseller/ DistributorPersonal and commercial insurance products under Berkshire Hathaway umbrella.
• Berkshire Hathaway Homestate CompaniescoreChannel Partner/ Reseller/ DistributorCommercial auto, property, and workers compensation insurance.
• Builder's MutualcoreChannel Partner/ Reseller/ DistributorSpecialty carrier for construction and builder risks.
• CHUBBcoreChannel Partner/ Reseller/ DistributorHigh-end personal lines and commercial insurance carrier known for wealth management and specialty coverages.
• CNAcoreChannel Partner/ Reseller/ DistributorCommercial and professional liability insurance carrier.
• Columbia Insurance GroupcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier.
• Donegal Insurance GroupcoreChannel Partner/ Reseller/ DistributorRegional personal and commercial insurance carrier.
• EmployerscoreChannel Partner/ Reseller/ DistributorWorkers compensation insurance specialist.
• EncompasscoreChannel Partner/ Reseller/ DistributorPersonal insurance carrier offering bundled home and auto coverage.
• Falls Lake InsurancecoreChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier.
• FCCI Insurance GroupcoreChannel Partner/ Reseller/ DistributorCommercial insurance carrier for workers compensation and other commercial lines.
• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for manufactured homes, motor homes, and watercraft.
• Grange InsurancecoreChannel Partner/ Reseller/ DistributorPersonal and commercial insurance carrier.
• Great American Insurance GroupcoreChannel Partner/ Reseller/ DistributorCommercial insurance products including crop, custom, trucking, and specialty lines.
• GuideOne InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier focused on faith-based organizations and special risk.
• HagertycoreChannel Partner/ Reseller/ DistributorCollector and classic vehicle insurance specialist.
• The Hanover Insurance GroupcoreChannel Partner/ Reseller/ DistributorCommercial and personal insurance products.
• The HartfordcoreChannel Partner/ Reseller/ DistributorLarge commercial and personal insurance carrier.
• HippocoreChannel Partner/ Reseller/ DistributorModern home insurance carrier using technology for coverage.
• HumanacoreChannel Partner/ Reseller/ DistributorHealth insurance provider for employee benefits.
• ICW Group Insurance CompaniescoreChannel Partner/ Reseller/ DistributorWorkers compensation and commercial auto insurance.
• MarkelcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for difficult-to-place risks.
• Midwest Insurance GroupcoreChannel Partner/ Reseller/ DistributorCommercial insurance carrier.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor personal and commercial insurance carrier. Featured Inter-Agency President in agency change management article.
• OpenlycoreChannel Partner/ Reseller/ DistributorModern insurance carrier for home and auto.
• Penn National InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier for commercial and personal lines.
• Philadelphia Insurance CompaniescoreChannel Partner/ Reseller/ DistributorSpecialty insurance for niche markets including social services and healthcare.
• ProgressivecoreChannel Partner/ Reseller/ DistributorPersonal auto and commercial insurance carrier.
• RLIcoreChannel Partner/ Reseller/ DistributorSpecialty insurance and surety products.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorPersonal insurance products from Liberty Mutual.
• SelectivecoreChannel Partner/ Reseller/ DistributorCommercial and personal insurance carrier.
• State AutocoreChannel Partner/ Reseller/ DistributorRegional insurance carrier for personal and commercial lines.
• TravelerscoreChannel Partner/ Reseller/ DistributorLarge commercial and personal insurance carrier.
• United Health CarecoreChannel Partner/ Reseller/ DistributorHealth insurance for employee benefits.
• Utica NationalcoreChannel Partner/ Reseller/ DistributorCommercial and professional liability insurance.
• VaultcoreChannel Partner/ Reseller/ DistributorModern personal insurance carrier.
• West Bend InsurancecoreChannel Partner/ Reseller/ DistributorPersonal and commercial insurance carrier.
• The ZenithcoreChannel Partner/ Reseller/ DistributorWorkers compensation and agribusiness insurance specialist.
• ZurichcoreChannel Partner/ Reseller/ DistributorGlobal commercial insurance carrier for construction and other specialty lines.
• Trusted ChoiceminorGTM or Marketing PartnerIndependent insurance agency membership program providing brand recognition and marketing support.
• Fortified Independent InsuranceminorGTM or Marketing PartnerIndependent insurance agency network membership providing resources and credibility.
• Insurors TNminorGTM or Marketing PartnerTennessee insurance agent association membership for networking and professional development.
• Figo Pet InsuranceminorGTM or Marketing PartnerPet insurance referral partner offered through the agency for pet coverage needs.
• National Flood Insurance Program (NFIP)coreChannel Partner/ Reseller/ DistributorFederal flood insurance program administered through FEMA, offering building and contents coverage for flood protection.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Hub International: Large global insurance brokerage providing commercial, personal, employee benefits, and risk-management services across North America. Comparable as a multi-line independent brokerage, though it serves significantly larger accounts and operates with proprietary platform investments Inter-Agency lacks.
• Marsh McLennan (Marsh): Global insurance brokerage and risk advisory giant offering commercial insurance, risk management, and consulting. Operates in the same insurance intermediation space as Inter-Agency, but at enterprise scale and with substantially broader capabilities.
• Aon: Global professional services firm providing insurance brokerage, reinsurance, and risk-management solutions. Adjacent incumbent operating in the same insurance intermediation category as Inter-Agency, though serving primarily large commercial and specialty risks.
• Acrisure: Tech-enabled global insurance brokerage offering commercial, personal, and specialty insurance products with heavy emphasis on proprietary technology and data. Comparable in independent agency model but operates at massive scale with a fundamentally different technology posture than Inter-Agency's third-party-platform reliance.
• Lockton: Largest privately held independent insurance brokerage in the world, offering commercial, personal, and reinsurance solutions through a global carrier network. Overlaps with Inter-Agency in independent brokerage and multi-carrier access, but operates at vastly larger scale and serves enterprise accounts.

Direct peers

• The Hilb Group: Independent insurance brokerage that has grown through tuck-in acquisitions of regional agencies, providing personal, commercial, and employee benefits solutions. Directly comparable as a multi-line independent agency leveraging a broad carrier portfolio to serve SMB and middle-market clients.
• World Insurance Associates: Independent insurance agency offering personal, commercial, life, and benefits products across many US states, built largely through acquisitions of regional agencies. Comparable as a multi-state independent agency aggregating carrier access for SMB and individual clients.
• Brown & Riding Insurance Services: Specialty-focused independent wholesale and retail insurance brokerage providing commercial and personal coverage across the US. Comparable to Inter-Agency as an independent intermediary placing business with multiple carriers and operating outside carrier-captive structures.
• Heffernan Insurance Brokers: Mid-sized independent insurance brokerage serving businesses and individuals with personal, commercial, and employee benefits products. Comparable model to Inter-Agency as a multi-line independent agency that compares carriers and acts as client advocate.
• Risk Strategies Company: Independent insurance brokerage offering personal and commercial lines across multiple specialty verticals. Operates on the same independent agency model - aggregating carrier relationships to serve middle-market clients - making it one of the closest comparables for a multi-state independent agency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/insureknoxville
• LinkedInlinkedin.com/company/inter-agency-insurance-service-inc-/about

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Inter-Agency Insurance Service