Coeur D' Alene Insurance

What Coeur D' Alene Insurance does

Coeur d'Alene Insurance is a privately held, independent insurance agency founded in 1895 by Herman Rossi and headquartered in Coeur d'Alene, Idaho. Operating under the trade names Coeur d'Alene Insurance, Kellogg Insurance, and Rossi Insurance, the firm runs three branch offices in Coeur d'Alene, Kellogg, and Wallace, and is licensed across Idaho, Washington, Oregon, and Montana. It is a 1-10 employee, locally owned brokerage that earns revenue primarily through carrier commissions on personal lines, commercial lines, and employee benefits products placed with a broad panel of insurance carriers.

The agency sells a comprehensive product portfolio spanning personal insurance (home, auto, umbrella, renters, and specialty lines such as motorcycle, watercraft, classic car, and pet), business insurance (business owners policies, general liability, commercial property, cyber liability, business auto, and workers compensation), industry-specific programs for contractors, breweries, wineries, manufacturers, and garage repair shops, and employee benefits (group health, dental, vision, life/AD&D, and voluntary benefits). It represents more than 15 insurance carriers including AmTrust, Liberty Mutual, Nationwide, Travelers, Chubb, The Hartford, and Progressive, allowing it to shop coverage across carriers for each client.

Go-to-market is sales-led and relationship-driven, supported by a website (idahoinsurance.com), a refer-a-friend program, and a local social media presence. Pricing is quote-based and varies by risk, with multi-policy bundling discounts of 10% to 25%. The core technology is standard agency infrastructure — there is no proprietary platform, no public API, and no disclosed AI capability; the business is a service-led brokerage rather than a technology company.

Name

Coeur D' Alene Insurance

Legal name

Coeur d'Alene Insurance

Website

https://idahoinsurance.com

Company type

Private

Founded year

1895

Operating status

Operating

Headcount range

1–10 employees

Short description

Coeur d'Alene Insurance is an independent, locally owned insurance agency founded in 1895, operating three offices in Northern Idaho. It brokers personal, commercial, industry-specific, and employee benefits insurance through 15+ carrier partnerships for individuals, families, and small businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Coeur D'alene

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, Infrastructure, Technology or R&D

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance agency, Coeur d'Alene Insurance earns revenue through commissions paid by insurance carriers for policies placed on behalf of clients. They represent multiple insurance companies including AmTrust, Liberty Mutual, Nationwide, and others, earning commissions on each policy sold or renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Coeur d'Alene Insurance is an independent insurance agency that places personal, commercial, and employee benefits insurance policies on behalf of clients. The agency represents multiple insurance carriers and provides personalized coverage recommendations across home, auto, life, business, and industry-specific lines through three Northern Idaho offices. Revenue is generated through carrier commissions on placed and renewed policies.

Product overview

Coeur d'Alene Insurance is an independent insurance agency offering a comprehensive portfolio of personal, business, and employee benefits insurance products through multiple office locations in Northern Idaho. The agency operates as a unified team across Wallace, Coeur d'Alene, and Kellogg, providing personalized insurance solutions. The product portfolio includes: Personal Insurance products (Home, Auto, Home and Auto Bundled, Renters, Umbrella, and specialty lines like motorcycle, classic car, wedding, earthquake, pet, and identity theft); Business Insurance products including Business Owners Policies, General Liability, Commercial Property, Cyber Liability, and Business Auto; Industry-specific coverage for Contractors, Breweries, Wineries, Manufacturers, and Garage Repair Shops; and Employee Benefits including Group Health, Dental, Vision, Voluntary Benefits, and Life/AD&D. The agency serves as an independent broker representing multiple insurance carriers including AmTrust, Liberty Mutual, Nationwide, and others, allowing them to offer flexible solutions tailored to individual client needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Comprehensive personal insurance solutions covering home, auto, renters, umbrella, and specialty lines (motorcycle, watercraft, classic car, wedding, earthquake, pet, identity theft) for individuals and families in Northern Idaho.
• Home Insurance Homeowners insurance covering property damage, personal property, additional living expenses, personal liability, medical expenses to guests, and valuable possessions, with optional flood and earthquake coverage.
• Auto Insurance Vehicle coverage including bodily injury and property damage liability, medical payments, personal injury protection, uninsured/underinsured motorist, physical damage (collision and comprehensive), and rental/loss of use.
• Renters Insurance Coverage for tenants' personal belongings, liability, additional living expenses, and improvements made to rented properties against property damage, theft, and liability claims.
• Umbrella Insurance Excess personal liability coverage providing additional protection beyond auto, homeowners, and watercraft policy limits, covering property damage liability, bodily injury liability, lawsuits, and watercraft liability.
• Business Insurance Commercial insurance solutions including Business Owners Policies, general liability, commercial property, cyber liability, business auto, builders risk, workers compensation, business interruption, commercial bonds, and umbrella coverage.
• Business Owners Insurance (BOP) Combined property and liability coverage (BOP) protecting business assets, income, employees, and operations against property damage, liability claims, errors and omissions, directors and officers liability, crime, environmental risks, systems breakdown, and cyber threats.
• General Liability Insurance Coverage for bodily injury to people outside the business, physical damage to third-party property, advertising injury, and medical payments arising from business operations.
• Commercial Property Insurance Protection for commercial buildings, equipment, inventory, exterior signs, and important records against damage, loss, theft, and associated business interruption.
• Cyber Liability Insurance Protection against data breaches and cyber-attacks covering first-party losses (business interruption, breach notification, crisis management), third-party lawsuits, regulatory claims, and ransom/extortion demands.
• Business Auto Insurance Commercial vehicle coverage with higher liability limits than personal auto, including bodily injury, property damage, medical payments, uninsured motorist, comprehensive physical damage, collision, and non-owned auto liability for employee vehicles.
• Contractor Insurance Specialized coverage for contractors (general contractors, HVAC, plumbing, carpentry, electrical, painting) including builders risk, business auto, commercial property, contractors equipment, equipment breakdown, general liability, inland marine, workers compensation, hold harmless agreements, and commercial umbrella.
• Brewery Insurance Comprehensive brewery coverage combining liquor liability, property, spoilage/contamination, product recall, crime, cyber liability, environmental liability, EPLI, equipment breakdown, business auto, supply chain, special events, and brewer's bonds.
• Winery Insurance Multi-faceted coverage for winery operations including business property, general liability, commercial auto, crime, liquor liability, equipment breakdown, contamination/spoilage, inland marine, workers compensation, cyber liability, product recall, crop insurance, vine/trellis coverage, farm liability, special events, and environmental liability.
• Manufacturer Insurance Manufacturing business coverage including commercial general liability, commercial property, business interruption, product recall, business auto, commercial umbrella/excess liability, motor truck cargo, and ocean cargo insurance.
• Garage Repair Shop Insurance Specialized coverage for auto repair shops including commercial/garage liability, commercial property, garagekeepers coverage for customer vehicles under care/custody/control, inland marine/equipment floater, business auto, commercial umbrella, and lost income coverage.
• Employee Benefits Group employee benefit programs including health, dental, vision, voluntary benefits, life insurance, accidental death and dismemberment, employee assistance plans, and compliance audit support.
• Group Health Insurance Employer-sponsored health coverage including group health, life insurance, short-term and long-term disability, group dental, vision care, voluntary coverage options, and compliance audits under Affordable Care Act provisions.
• Group Dental Insurance Dental coverage for employees including diagnostic, preventive, and corrective services such as cleanings, exams, X-rays, fillings, root canals, orthodontia for children, and emergency travel care.
• Group Vision Insurance Vision benefit plans covering eye examinations, frames, lenses, contact lenses, and safety glasses, with early detection of conditions like glaucoma, cataracts, high blood pressure, diabetes, heart disease, and high cholesterol.
• Group Voluntary Benefits Employee-paid benefit options offered through payroll deduction including critical illness, hospital indemnity, cancer coverage, life, dependent life, short-term and long-term disability, dental, and vision at lower group rates.
• Life and Accidental Death and Dismemberment Insurance Employer-sponsored coverage providing payouts to employee dependents upon death, with accidental death coverage that only pays for accident-related deaths, and dismemberment benefits for loss of vision, hearing, speech, or limbs.

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core and minor.

• AmTrust FinancialcoreOthersInsurance carrier represented by Coeur d'Alene Insurance for placing commercial and personal insurance policies.
• Liberty MutualcoreOthersMajor insurance carrier represented for personal and business insurance coverage options.
• NationwidecoreOthersNational insurance carrier partnership providing personal and business insurance products.
• RegenceminorOthersHealth insurance carrier for group health insurance and medical coverage.
• American ModernminorOthersInsurance carrier offering specialized coverage products.
• Berkley North PacificminorOthersCommercial insurance carrier for business coverage.
• ChubbminorOthersGlobal insurance provider for commercial and personal lines.
• DairylandminorOthersInsurance carrier specializing in motorcycle and auto coverage.
• Delta DentalminorOthersDental insurance carrier for group dental benefits.
• EMC InsuranceminorOthersRegional insurance carrier for commercial and business coverage.
• HagertyminorOthersClassic car and collector vehicle insurance specialist.
• The HartfordminorOthersNational insurance carrier for business and personal coverage.
• Idaho State Insurance FundminorOthersWorkers compensation insurance carrier specific to Idaho.
• ProgressiveminorOthersAuto and personal insurance carrier.
• TravelersminorOthersNational insurance carrier for commercial and personal lines.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• IMA Financial Group: National insurance brokerage covering commercial, personal, and benefits lines; comparable as multi-line independent agency model, though larger and more diversified than the subject.
• Brown & Brown, Inc. National insurance intermediary built largely through roll-up acquisitions of independent agencies, providing personal, commercial, and benefits products; a relevant incumbent comparable and a likely acquirer profile for agencies like Coeur d'Alene Insurance.
• Arthur J. Gallagher & Co. Major publicly-traded insurance brokerage and risk management firm; comparable as a multi-line agency intermediary placing P&C, benefits, and specialty coverage with multiple carriers, though at much greater scale.
• USI Insurance Services: Large US insurance brokerage offering commercial, personal, and employee benefits products; comparable multi-carrier brokerage model at much greater scale and national reach.
• HUB International: Large global insurance brokerage with significant US operations offering personal, commercial, and benefits placement; comparable business model as multi-carrier intermediary though vastly larger scale and broader geographic reach.

Direct peers

• PayneWest Insurance: Idaho-based independent insurance agency (Boise) offering personal, commercial, and employee benefits coverage across the region; serves overlapping geographies (ID, WA, OR) with a similar independent agency model and carrier relationships.
• Leavitt Group: Large independent insurance agency headquartered in the Pacific Northwest (Cedar City, UT with major Idaho presence) operating across personal, commercial, and benefits lines — directly comparable as an independent multi-carrier agency serving regional markets in the Inland NW.

Regional players

• AssurePro / Mountain West Insurance Group: Regional insurance broker serving the Mountain West with personal and commercial lines; relevant as a comparable regional independent agency footprint though not directly competing in Idaho.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/coeurdaleneinsurance
• Instagraminstagram.com/cdainsurance
• LinkedInlinkedin.com/company/coeur-dalene-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Coeur D' Alene Insurance