Provider Group
Provider Group, now operating as Cross Insurance, is a regional New England independent insurance brokerage founded in 1945 that represents 80+ carriers to deliver personal, commercial, employee benefits, and specialty insurance products to individuals and businesses.
- Company typePrivate
- Founded1945
- HeadquartersNeedham, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Provider Group does
Provider Group, now operating as Cross Insurance, is a regional independent insurance brokerage founded in 1945 and headquartered in Needham, Massachusetts with a second office in Providence, Rhode Island. The firm serves businesses and individuals throughout New England with a comprehensive portfolio spanning personal insurance (auto, home, renters, life, umbrella, and specialty vehicles such as boat, motorcycle, ATV, RV, and snowmobile), commercial insurance (property, auto and trucking, general liability, umbrella, cyber, professional liability, EPLI, workers' compensation, and inland marine), employee benefits (plan design, carrier negotiations, and compliance), specialty products (third party administration, student health, surety and bonding, higher education, healthcare, construction, clean energy), and a Private Client Group dedicated to high net worth and ultra-high net worth individuals. The company functions as a traditional relationship-driven brokerage rather than a technology platform: there is no proprietary software product, no API, no app, and no digital underwriting architecture described in the available material.\n\nThe business operates as an independent agency representing more than 80 insurance carriers, including AIG, Chubb, Travelers, Liberty Mutual, Hartford, Zurich, and FM Global, with revenue generated through carrier-paid commissions on placed and renewed policies. Go-to-market is sales-led and locally executed through the two field offices, a website with quote-request functionality, and a Cross Affiliate referral program; pricing is quote-based and determined by individual carrier underwriting, with monthly billing cadence on the consumer side. The firm is a subsidiary of Cross Financial Corp., a Maine holding company that owns the Cross Insurance trademarks, and was rebranded from Provider Group to Cross Insurance in 2024 while retaining the same team, leadership, and operating geography. Customer concentration is distributed across verticals including energy, life sciences, manufacturing, non-profits, professional services, and utility contractors, supported by a small headcount of 11-50 employees.
Provider Group firmographics
Firmographics- Name
- Provider Group
- Legal name
- Cross Insurance
- Website
- https://providerig.com
- Company type
- Private
- Founded year
- 1945
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Provider Group, now operating as Cross Insurance, is a regional New England independent insurance brokerage founded in 1945 that represents 80+ carriers to deliver personal, commercial, employee benefits, and specialty insurance products to individuals and businesses.
- Ownership category
- akta.pro rank
Provider Group industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
- akta.pro secondary industries
- Small Group Health Insurance (2–50/100) (FSAIAFAD), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where Provider Group is headquartered
LocationHeadquarters
- HQ city
- Needham
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Provider Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: Provider Group operates as an independent insurance agency/broker representing multiple insurance carriers. Revenue is generated through commissions paid by insurance carriers for policies placed and renewed. The company represents over 80 insurance carriers across personal, commercial, and specialty insurance lines.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance coverage tailored to individual risk profiles |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Provider Group product offering
Product offeringCore offering
Provider Group (now operating as Cross Insurance) is an independent insurance brokerage and risk management advisory firm representing more than 80 insurance carriers. The company places personal, commercial, and specialty insurance policies, designs employee benefits programs, and provides concierge risk management services to high net worth individuals, businesses, and non-profits across the New England region.
Product overview
Provider Group, now operating as Cross Insurance, is a regional insurance agency serving New England since 1945. The company offers a comprehensive portfolio of personal insurance products (auto, home, renters, boat, motorcycle, ATV, RV, snowmobile, life, and umbrella coverage), commercial insurance products across multiple industries (property, auto, liability, cyber, workers' comp, inland marine), and specialty products (third party administration, student health, surety & bonding, higher education, healthcare, construction, clean energy). Additionally, they provide employee benefits services and a Private Client Group for high net worth individuals. This is a traditional insurance agency model rather than a unified software platform; products are distributed through direct agent relationships with no digital product architecture or API services.
Differentiator
Problem solved
Functional benefit
Brands
- Cross Private Client Group: Established to serve high net worth and ultra-high net worth individuals and families with holistic insurance programs covering assets, family, lifestyle, business, philanthropic interests and other pursuits.
Products and services
- Auto Insurance Coverage for personal automobiles including cars, trucks, and other vehicles owned by individuals.
- Home Insurance Protection for homeowners against property damage, loss, and liability related to their residence.
- Renters Insurance Coverage for tenants renting apartments or homes, protecting personal belongings and liability.
- Boat Insurance Coverage for watercraft including boats and yachts against damage, theft, and liability.
- Motorcycle Insurance Protection for motorcycles against accidents, theft, and liability.
- ATV Insurance Coverage for all-terrain vehicles against damage and liability.
- RV Insurance Protection for recreational vehicles including motorhomes and travel trailers.
- Snowmobile Insurance Coverage for snowmobiles against damage and liability.
- Life Insurance Financial protection for individuals and families in the event of death.
- Personal Umbrella Insurance Additional liability coverage that extends beyond standard personal insurance policies.
- Commercial Property Insurance Coverage for commercial buildings, equipment, and business assets against damage and loss.
- Commercial Auto & Trucking Insurance Protection for commercial vehicles and trucking operations against accidents and liability.
- General Liability Insurance Coverage protecting businesses against bodily injury, property damage, and personal injury claims.
- Commercial Umbrella Liability Insurance Excess liability coverage extending beyond standard commercial policy limits.
- Cyber Insurance Coverage for businesses against cyberattacks, data breaches, and network security incidents.
- Professional Liability Insurance Protection for professionals against negligence claims and errors in service delivery.
- Employment Practices Liability Insurance (EPLI) Coverage against workplace claims including discrimination, harassment, and wrongful termination.
- Workers' Comp Insurance Coverage for employee injuries and illnesses sustained during work.
- Inland Marine Insurance Coverage for goods and equipment transported over land or in transit.
- Third Party Administration Administrative services for managing insurance claims and benefits on behalf of clients.
- Student Health Insurance Health insurance programs designed for college and university students.
- Surety & Bonding Bond products for contractors and businesses requiring guarantee of performance or payment.
- Higher Education Insurance Insurance solutions tailored for colleges, universities, and educational institutions.
- Healthcare Insurance Specialized coverage for healthcare providers and medical facilities.
- Construction Insurance Insurance programs for construction companies including builders risk and contractor coverage.
- Clean Energy Insurance Coverage for renewable energy projects and clean technology companies.
- Employee Benefits Services Group benefit services including health insurance, plan design, compliance support, and carrier negotiations for businesses.
- Private Client Group Services Comprehensive risk management and insurance services for high net worth and ultra-high net worth individuals and families, including risk analysis, annual program evaluation, claim advocacy, and concierge services.
Quantifiable outcome
- Risk management solutions for businesses and individuals throughout New England since 1945
Companies that use Provider Group
Customer profileNamed customers4 records
Segments9 records
Ideal customer profiles4 records
Provider Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Provider Group partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered minor and core.
- 21st Century AutominorInsurance carrier represented by Provider Group for auto insurance coverage offerings.
- AIGcoreMajor insurance carrier represented for commercial and personal lines coverage.
- Chubb Insurance Co.corePremier insurance carrier represented for high-value personal and commercial coverage.
- Traveler's Insurance Co.coreMajor commercial insurance carrier represented for business coverage.
- Liberty MutualcoreMajor insurance carrier represented for personal and commercial coverage.
- Hartford Insurance Co.coreMajor commercial insurance carrier represented for business coverage.
- Zurich Insurance Co.coreGlobal insurance carrier represented for commercial coverage.
- FM GlobalcoreCommercial property insurance carrier specializing in industrial and large-scale coverage.
Scale indicators2 records
Recent moves4 records
Expansion highlights4 records
Provider Group competitors and assessment
Company assessmentBroad incumbents
- USI Insurance Services: Top-10 U.S. insurance brokerage serving mid-to-large commercial clients with personal, commercial, and benefits offerings. Operates as a larger incumbent in the same multi-line brokerage space.
- Brown & Brown: Publicly traded national insurance distribution platform with a large network of regional offices. Competes with Provider Group in the same Northeast market for mid-market commercial accounts.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a major Northeast presence. Overlaps with Provider Group across commercial, personal, and employee benefits lines, particularly for larger accounts.
Direct peers
- The IMA Group: Mid-sized independent insurance agency offering commercial, personal, and benefits solutions. Similar size and product breadth to Provider Group, with a comparable focus on industry-specialized commercial coverage.
- Foundation Risk Partners: Northeast U.S. insurance brokerage platform built through roll-up acquisitions of regional agencies. Directly comparable given its presence in the same Northeast corridor and similar multi-line brokerage model.
- AssuredPartners: Large U.S. insurance brokerage built by aggregating regional agencies. Comparable in product mix (commercial, personal, benefits) and carrier-representation model, though at significantly greater scale.
- Higginbotham: Texas-based independent insurance brokerage serving mid-market commercial and personal clients through a network of offices. Comparable regional boutique model with employee benefits, commercial, and personal lines distribution.
- Leavitt Group: Regional, family-owned insurance brokerage operating across the Western U.S. with multiple offices and a similar multi-line personal/commercial/benefits model. Closely comparable to Provider Group in terms of boutique regional positioning and carrier-representation approach.
Emerging players
- RPS (Risk Placement Services): Wholesale brokerage and specialty MGA platform focused on placing complex and hard-to-place commercial risks. Relevant comparable given Provider Group's specialty commercial practice (construction, healthcare, clean energy).
Others
- Cross Insurance: Parent holding (Cross Financial Corp.) and sister brand under which Provider Group now operates. Relevant as the broader platform that Provider Group integrates into, though not a direct competitor.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Provider Group social profiles
Digital presenceProvider Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Provider Group leadership team
Management profileNumber of profiles
Profiles3 records
Provider Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Provider Group 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 Provider Group
What does Provider Group do?
Provider Group (now operating as Cross Insurance) is an independent insurance brokerage and risk management advisory firm representing more than 80 insurance carriers. The company places personal, commercial, and specialty insurance policies, designs employee benefits programs, and provides concierge risk management services to high net worth individuals, businesses, and non-profits across the New England region.
Is Provider Group a public or private company?
Provider Group is a private company. It is classified as unknown and is currently operating.
When was Provider Group founded?
Provider Group was founded in 1945. It employs 11 to 50 people.
Where is Provider Group based?
Provider Group is headquartered in Needham, United States, in the North America region.
How does Provider Group make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Provider Group's main competitors?
Broad incumbents on record are USI Insurance Services, Brown & Brown and Arthur J. Gallagher & Co.. Direct peers are The IMA Group, Foundation Risk Partners, AssuredPartners, Higginbotham and Leavitt Group. RPS (Risk Placement Services) is listed as an emerging player. Cross Insurance is listed as an others.
Does Provider Group have an API?
No public API is recorded for Provider Group.
What industry is Provider Group in?
Provider Group's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution, with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524210 and its SIC code is 6411.