Lemon Mohler Insurance Agency

What Lemon Mohler Insurance Agency does

Lemon Mohler Insurance Agency is an independent insurance agency headquartered in Ocean Springs, Mississippi, with branch offices in Gulfport and Pascagoula. Founded in 1947 and operating with 11-50 employees, the agency is licensed in 13 states and provides personal and commercial insurance products, including auto, home, motorcycle, flood, life, disability, long-term care, and umbrella coverage on the personal side, and business owners policies, commercial auto, property, workers comp, general liability, cyber liability, group benefits, and specialty programs such as long-term care captive and retention structures on the commercial side. As an independent agency, Lemon Mohler represents more than 30 insurance carriers including Travelers, Liberty Mutual, Hartford, CNA, Progressive, MetLife, and Zurich, which enables carrier-agnostic matching of coverage to customer needs.

The agency operates a multi-channel distribution model combining in-person consultations at three physical offices, phone-based inside sales, online self-service quote requests, and a client portal for policy management, claims submission, and bill pay. Customer acquisition relies on local presence, referrals, content marketing via blog and social media (Facebook, Instagram), and educational video resources including hurricane and catastrophe updates. The technology stack is industry-standard for independent agencies, featuring a secure client portal, multiple-method quote request forms, accessibility tooling, and no disclosed AI/ML capabilities.

The business model is commission-based, with the agency earning a percentage of premiums paid by customers to its carrier partners; this is recurring subscription-like revenue tied to active in-force policies. The agency encourages multi-policy bundling (auto plus home/condo/renter) as the primary discount-optimization lever. Marketing emphasis targets both individual consumers seeking bundled personal coverage and small-to-mid-size businesses requiring industry-specific commercial packages, with group benefits positioned for employers. The agency holds a Big I Best Practices Agency Award and Trusted Choice affiliation, supporting brand credibility in its regional market.

Name

Lemon Mohler Insurance Agency

Legal name

Lemon Mohler Insurance Agency

Website

https://lemonmohler.com

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

11–50 employees

Short description

Lemon Mohler Insurance Agency is an independent insurance agency serving individuals, families, and small-to-mid-size businesses from three Mississippi Gulf Coast offices, writing personal and commercial policies through more than 30 carrier partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG), Commercial General Liability (CGL) (FSAJADAA), Commercial Umbrella Insurance (FSAJANAB), Personal Umbrella Insurance (FSAJANAA)

Keywords

• Independent insurance agency
• Personal insurance
• Commercial insurance
• Insurance brokerage
• Group benefits

Headquarters

HQ city

Ocean Springs

HQ country

United States

HQ region

North America

Offices3 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: The agency earns commissions from insurance carriers for policies sold and renewed. As an independent agency representing multiple insurance companies, they receive a percentage of premiums paid by customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Lemon Mohler Insurance Agency is an independent insurance agency that brokers personal and commercial insurance products from more than 30 carriers to individuals, families, and small/mid-size businesses. It distributes coverage through three Mississippi Gulf Coast offices, phone-based agents, online quote requests, and a self-serve client portal, and is compensated via carrier commissions on premiums sold and renewed.

Product overview

Lemon Mohler Insurance Agency is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through multiple carrier relationships. The agency provides Personal Insurance including auto, home, motorcycle, flood, earthquake, life, disability, and long-term care coverage, as well as Commercial Lines encompassing business owners policies, workers compensation, general liability, commercial auto, property, cyber liability, and industry-specific coverages for contractors, restaurants, salons, and apartment owners. The agency operates three Mississippi locations (Ocean Springs, Gulfport, Pascagoula) and is licensed in 13 states. As an independent agency, they represent multiple insurance carriers enabling them to match customer needs with appropriate coverage and pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Quantifiable outcome

• The agency helps customers maximize discounts through bundling auto and home insurance policies together

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Trusted ChoiceminorGTM or Marketing PartnerAffiliated with Trusted Choice, a network of independent insurance agents that provides marketing support and brand recognition. Agency displays Trusted Choice logo on website.
• Insurance Carrier PartnerscoreChannel Partner/ Reseller/ DistributorAs an independent agency, Lemon Mohler represents multiple insurance carriers including AIG, American Collectors, American Reliable, ASI Strategic Insurance, Aspera, BCAM SIF, Bristol West, Cabrillo Coastal, Centauri, CNA, Coastal American, EMC Insurance, Foremost, Hartford, Lexington Insurance, Liberty Mutual, MetLife, National Flood Insurance Program, Neptune Flood, Philadelphia Insurance, Principal Group, Progressive, Property Insurance Company of America, RLI, Republic Group, Safeco, Scottsdale, StateAuto, Sterling Surplus Underwriters, Summit Holdings, Travelers, Western Surety, Western World, Wright Flood, and Zurich. These carriers provide the actual insurance products that the agency sells to customers.
• SecureRiskminorGTM or Marketing PartnerAgency holds SecureRisk Exclusive Member status, indicating membership in a network or program for independent agents.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• The Liberty Company Insurance Brokers: National independent insurance brokerage offering personal and commercial lines through multiple carrier relationships, closely mirroring Lemon Mohler's independent agent model with broader geographic reach.
• Higginbotham: Texas-headquartered independent insurance agency with a similar multi-line personal/commercial brokerage model, multiple physical offices, and multi-state operating footprint. Most directly comparable agency by structure and product mix.
• Insurica Insurance Group: Regional independent insurance agency operating across multiple states with similar commercial lines focus (BOP, workers comp, general liability) and SMB customer base comparable to Lemon Mohler's commercial book.

Others

• Trusted Choice: Network of independent insurance agents of which Lemon Mohler is a member. Provides marketing, branding, and carrier access infrastructure that supports independent agencies across the country.
• Burns & Wilcox: Specialty insurance wholesale broker and managing general agent. A distribution partner-type comparable in the specialty commercial lines (umbrella, surplus, professional liability) that Lemon Mohler's commercial clients often require.

Emerging players

• Brown & Riding Insurance Services: Specialty wholesale insurance brokerage focused on commercial and surplus lines. Comparable in the specialty commercial (cyber, management liability, contractors) niches that Lemon Mohler's commercial book serves.
• RPS (Risk Placement Services): Wholesale insurance distributor placing business with retail agents like Lemon Mohler. Relevant counterpart in the distribution chain and a partner that handles Lemon Mohler's non-admitted or specialty placements.

Broad incumbents

• HUB International: Large North American insurance brokerage that acquires independent agencies. Operates a similar multi-carrier retail agency model but at vastly greater scale; a likely roll-up acquirer of agencies like Lemon Mohler.
• Marsh McLennan Agency: Middle-market-focused agency arm of Marsh McLennan, distributing commercial and personal lines through regional offices. Comparable customer profile (small/mid businesses) to Lemon Mohler but with national backing.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a large retail agency division. Similar product breadth across personal and commercial lines but operates as a publicly traded incumbent that frequently acquires independent agencies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/LemonMohlerIns
• Instagraminstagram.com/lemonmohlerins

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 Lemon Mohler Insurance Agency