CMS Insurance Agency

Name

CMS Insurance Agency

Legal name

CMS Insurance Agency Inc.

Website

https://cmsinsurance.com

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance solutions
• Multi-carrier insurance broker
• Property and casualty insurance

Headquarters

HQ city

Cincinnati

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, Technology or R&D, Others

Revenue model

1. Insurance Commissions: As an independent insurance agency, CMS earns commissions from insurance carriers for policies placed and renewed. They represent multiple insurance companies, allowing them to find the best coverage for customer needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

CMS Insurance Agency is an independent insurance agency that places personal and commercial insurance policies on behalf of individuals, families, and businesses by representing multiple financially sound insurance carriers. The agency distributes a portfolio of coverage types including auto, home, umbrella, life, health, long-term care, disability, and business insurance (general liability, workers compensation, commercial auto, property, cyber, directors and officers, bonds). Revenue is earned through commissions paid by carrier partners for policies bound and renewed.

Product overview

CMS Insurance Agency is an independent insurance agency established in 1977, representing multiple insurance companies to provide comprehensive coverage for individuals, families, and businesses. The agency offers a portfolio of insurance products including Auto Insurance, Home Insurance, Umbrella Insurance, Life Insurance, Business Insurance, Health Insurance, Long Term Care Insurance, and Disability Insurance. As an independent agent, they search across their carrier network to match customers with plans suited to their specific needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance coverage placed through carrier partners, providing protection against covered claims including bodily injury liability, property damage liability, defense costs, medical payments, collision, other-than-collision, and uninsured/underinsured motorist coverage, for personal vehicle owners in the Cincinnati area.
• Home Insurance Homeowners insurance for Cincinnati-area homeowners, protecting the dwelling, personal liability, medical payments, and valuable articles such as jewelry, fine arts, furs, silverware, and wine collections, sourced through carrier partners including Chubb, Westfield, and others.
• Umbrella Insurance Personal umbrella insurance providing additional liability protection that extends beyond primary policy limits, covering scenarios such as property injuries, lawsuits, and vehicle accidents, with coverage placed through carrier partners including Chubb.
• Life Insurance Life insurance providing financial security including one-time death costs and survivor income, with options including term insurance and permanent insurance (indexed universal life, universal life, whole life), sourced through carrier partners including Pacific Life, Lincoln Financial, MetLife, and Midland National.
• Business Insurance Commercial insurance for business owners including contractors, retailers, and wholesalers, covering general liability, employers liability, professional liability, product recall, cyber liability, directors and officers, fiduciary liability, property, workers compensation, commercial auto, and bonds, assembled through carrier partners including Westfield, Chubb, Selective, UFG, Encova, Hagerty, and The Hartford.
• Health Insurance Health insurance offered through a partnership with Cornerstone, a specialized broker that handles health care reform changes, providing Cincinnati-area individuals and families with health coverage options.
• Long Term Care Insurance Long-term care insurance providing daily, weekly, or monthly benefits for long-term care or home care needs, with inflation protection, flexible payment options, and tax advantages, sourced through carrier partners including Genworth and John Hancock.
• Disability Insurance Disability income insurance helping policyholders meet financial obligations such as mortgages, utility costs, and car payments in the event of a serious disability, sourced through carrier partners including UNUM and Ameritas.

Named customers2 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

Partnerships

25 partnerships are on record, tiered core and minor.

• Westfield InsurancecoreChannel Partner/ Reseller/ DistributorWestfield Insurance is one of CMS's key insurance carrier partners offering personal and commercial insurance products. CMS has been recognized as one of Westfield's top agents, participating in the Legacy of Caring Program to support local nonprofits.
• ChubbcoreChannel Partner/ Reseller/ DistributorChubb is a major property and casualty insurer represented by CMS, providing personal excess liability (umbrella) and home insurance products.
• Central CompaniescoreChannel Partner/ Reseller/ DistributorCentral Companies provides auto and home insurance products through CMS Insurance Agency.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive Insurance is a carrier partner offering auto insurance products through CMS.
• The HartfordcoreChannel Partner/ Reseller/ DistributorThe Hartford is a carrier partner represented by CMS for various insurance products.
• UNUMcoreChannel Partner/ Reseller/ DistributorUNUM provides disability income insurance products through CMS Insurance Agency.
• AmeritascoreChannel Partner/ Reseller/ DistributorAmeritas offers disability income and other insurance products through CMS.
• GenworthcoreChannel Partner/ Reseller/ DistributorGenworth provides long-term care insurance products through CMS Insurance Agency.
• John HancockcoreChannel Partner/ Reseller/ DistributorJohn Hancock offers long-term care insurance products through CMS.
• Pacific LifecoreChannel Partner/ Reseller/ DistributorPacific Life is a life insurance carrier represented by CMS.
• Lincoln FinancialcoreChannel Partner/ Reseller/ DistributorLincoln Financial Group provides life insurance and related products through CMS.
• MetLifecoreChannel Partner/ Reseller/ DistributorMetLife is a carrier partner offering insurance products through CMS.
• EncovaminorChannel Partner/ Reseller/ DistributorEncova Insurance is a carrier partner represented by CMS.
• HagertyminorChannel Partner/ Reseller/ DistributorHagerty provides specialty auto insurance through CMS.
• SelectiveminorChannel Partner/ Reseller/ DistributorSelective Insurance is a commercial insurance carrier partner.
• UFG InsuranceminorChannel Partner/ Reseller/ DistributorUnited Fire Group provides insurance products through CMS.
• Sun LifeminorChannel Partner/ Reseller/ DistributorSun Life offers insurance products through CMS.
• Midland NationalminorChannel Partner/ Reseller/ DistributorMidland National provides life insurance products through CMS.
• ING/VoyaminorChannel Partner/ Reseller/ DistributorING (now Voya) provides insurance products historically through CMS.
• The Silver LiningminorChannel Partner/ Reseller/ DistributorThe Silver Lining is a carrier partner represented by CMS.
• Westfield Insurance FoundationcoreGTM or Marketing PartnerWestfield Insurance Foundation partners with CMS to support local nonprofits through the Legacy of Caring Program. CMS nominates local nonprofits to receive donations. Since 2015, over $3.5 million has been distributed through this program.
• UpSpringminorOthersUpSpring is a Cincinnati nonprofit serving children experiencing homelessness through education and enrichment programs. CMS supports UpSpring through holiday donations, coat drives, and meal programs at their Summer 360 camp.
• New Life Furniture BankminorOthersNew Life Furniture Bank furnishes homes for families in need throughout Greater Cincinnati, Northern Kentucky and Dayton areas. CMS donates items and participates in holiday giving programs.
• Tikkun FarmminorOthersTikkun Farm is a 3.5-acre nonprofit farm in Mt. Healthy, Ohio serving the community through food programs and healing experiences. CMS supported Tikkun Farm with a $6,500 grant through Westfield's Legacy of Caring Program.
• Trusted ChoiceminorGTM or Marketing PartnerTrusted Choice is a network of independent insurance agents that CMS participates in, providing brand recognition and marketing support.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Regional players

• Cincinnati Financial (Cincinnati Insurance Companies): Headquartered in Fairfield, Ohio (Greater Cincinnati metro), Cincinnati Financial writes standard market commercial and personal lines through independent agents — overlapping CMS's geographic market, distribution model, and product lines.

Direct peers

• Acrisure: Rapidly growing insurance brokerage rollup that acquires independent agencies and brokerages across the U.S. Same independent-agent model and same target acquisition profile as CMS, serving the personal/commercial lines segment.
• AssuredPartners: Large national brokerage that actively acquires independent insurance agencies like CMS Insurance, with comparable product lines (personal and commercial P&C, life, benefits). It is the most relevant direct comp and most likely acquirer profile for a small Midwest independent agency.
• LOOMIS Companies: Mid-size independent insurance agency and financial services firm with regional concentration and similar multi-line personal/commercial offerings; directly mirrors CMS's independent-agent distribution and small/mid-market customer focus.
• Hilb Group: National insurance brokerage acquisitor focused on regional independent agencies. Operates the same independent-agent distribution model with multi-line personal and commercial offerings, making it a direct strategic peer and potential acquirer.
• Keystone Agency Partners: Insurance holding company that acquires and partners with independent insurance agencies. Similar scale and business model to CMS, with a strategy of preserving local agency brands while providing shared services — a direct structural peer.
• Brown & Brown Insurance: Large national independent insurance brokerage built on acquiring and operating regional agencies under a common platform. Shares CMS's independent-agent philosophy and multi-line distribution approach at significantly larger scale.
• Hub International: North American insurance brokerage that grows primarily by acquiring mid-market independent agencies, with similar personal/commercial product mix and an active Midwest acquisition program directly relevant to CMS.

Broad incumbents

• USI Insurance Services: Large national insurance brokerage serving middle-market and commercial clients through a network of regional offices. Same personal and commercial product breadth as CMS, with overlapping carrier relationships.
• Arthur J. Gallagher & Co. Top-5 global insurance brokerage and risk-management firm. While much larger and more commercial-focused, it competes in the same multi-line distribution space and represents an alternative acquisition endpoint for agencies of CMS's profile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 CMS Insurance Agency