CEK Insurance

What CEK Insurance does

CEK Insurance is a privately held independent insurance agency founded in 1931 and headquartered in Lawrence, Kansas. The firm serves individuals, families, and small-to-medium businesses in northeast Kansas and northwest Missouri through three physical offices (Lawrence KS, Gladstone MO, Topeka KS) and is licensed to sell insurance across 23 U.S. states. CEK represents more than 40 top-rated insurance carriers — including Travelers, Liberty Mutual, Chubb, CNA, Zurich, Hartford, CIGNA, United Healthcare, Aflac, Unum, Delta Dental, and Blue Cross Blue Shield Kansas City — and acts as a broker, shopping multiple carriers on behalf of clients rather than binding coverage through a single carrier.

The agency's product portfolio spans personal lines (auto, homeowners, motorcycle, boat/watercraft, renters, condo, flood, individual life, personal umbrella, recreational vehicle, retirement) and commercial lines (BOP, commercial auto, general liability, workers compensation, group health, group life, commercial property, commercial umbrella, builders risk, contractors, cyber liability, farm & ranch, restaurant, employee benefits). The technology layer is conventional for the sector: comparative rating and agency management systems used to gather carrier quotes, maintain policy records, and service customers. Distribution is sales-led, combining in-person consultations, inbound phone support, online quote-request forms, organic social presence, and a Refer-a-Friend program. Trusted Choice membership provides national brand and marketing leverage.

Revenue is generated through commissions earned on policies placed with the 40+ carrier partners, paid on a recurring basis as long as policies remain in force. CEK reports serving approximately 8,000 individuals and families and 6,000 business concerns. The customer mix is horizontally segmented across personal and commercial lines, with vertical specialization in contractors, restaurant, farm/ranch, automotive garage/dealer, and hospitality segments. In 2026, CEK acquired Prairie Land Insurance, absorbing its staff and customer book and reinforcing its build-out of a regional multi-line brokerage platform.

Name

CEK Insurance

Legal name

CEK Insurance

Website

https://cekinsurance.com

Company type

Private

Founded year

1931

Operating status

Operating

Headcount range

11–50 employees

Short description

CEK Insurance is a privately held independent insurance agency founded in 1931, headquartered in Lawrence, Kansas, serving 8,000 individuals/families and 6,000 businesses in NE Kansas and NW Missouri through 40+ carrier partnerships across personal, commercial, life, and health lines.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

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

akta.pro secondary industries

Mixed-Use / Commercial Condominium BOP (FSAJAFAO), Universal Life (UL) Insurance (FSAIABAB), Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance lines
• Employee benefits coverage
• Property casualty insurance

Headquarters

HQ city

Lawrence

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 Commissions: As an independent insurance agency, CEK Insurance earns commissions from multiple insurance carriers when they sell policies to clients. They represent over 40 insurance companies and earn a percentage of premiums paid by customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

CEK Insurance is an independent insurance agency that sells personal and commercial insurance policies as an intermediary representing over 40 insurance carriers. It places coverage across personal lines (auto, home, life, recreational) and commercial lines (BOP, commercial auto, workers comp, liability, cyber, contractors, restaurants, farms, employee benefits). The agency earns commissions from carrier partners for policies sold and provides quotes, policy servicing, and claims support through its three offices and online tools.

Product overview

CEK Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through multiple carrier partnerships. The company operates as a full-service agency with personal lines including Auto, Homeowners, Motorcycle, Boat & Watercraft, Renters, Condo, Flood, Individual Life, Personal Umbrella, and Recreational Vehicle insurance. Business insurance offerings encompass Business Owners Policy (BOP), Commercial Auto, General Liability, Workers Compensation, Group Health, Group Life, Commercial Property, Commercial Umbrella, Employee Benefits, Builders Risk, Contractors, Cyber Liability, Farm & Ranch, and Restaurant insurance. The agency specializes in property & casualty insurance while also handling all lines of coverage including health, life, and retirement services. They offer multiple insurance companies to provide competitive quotes and coverage options, shopping rates for clients to help save money.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for personal automobiles including collision, comprehensive, liability, medical payments, personal injury protection, and uninsured/underinsured motorist coverage, for individual vehicle owners.
• Homeowners Insurance Property coverage for home repairs, personal property protection, liability, medical expenses, and living expenses coverage for homeowners.
• Motorcycle Insurance Motorcycle coverage including bodily injury, property damage liability, medical payments, comprehensive, collision, and uninsured motorist coverage for motorcycle owners.
• Boat & Watercraft Insurance Coverage for boats, jet skis, and personal watercraft including physical damage, liability, personal liability, medical payments, and property damage.
• Renters Insurance Personal property coverage for fire, theft or damage, liability coverage for rental accidents, and additional coverage options for tenants.
• Condo Insurance Coverage tailored for condo owners to protect valuables, appliances, property, and the interior of the condo unit.
• Flood Insurance Building and contents coverage for flood damage, including standard and optional excess flood coverage options for property owners in flood-prone areas.
• Individual Life Insurance Term and Whole (Permanent) life insurance policies including traditional whole life, universal life, and variable universal life options for individual policyholders.
• Personal Umbrella Insurance Additional liability coverage that supplements existing auto and homeowners policies when policy limits are exhausted.
• Recreational Vehicle Insurance Coverage for motorcycles, ATVs, boats, RVs, campers, trailers and related recreational vehicles.
• Retirement Planning Services Financial planning products to help build solid retirement plans and provide stable retirement income for individuals.
• Business Owners Policy (BOP) Package policy combining property coverage, liability protection, and business interruption coverage for small to medium businesses.
• Commercial Auto Insurance Vehicle coverage for business use including bodily injury, property damage, combined single limits, medical payments, comprehensive, and collision coverage.

Quantifiable outcome

• Serving 8,000 individuals and families and 6,000 business concerns

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

18 partnerships are on record, tiered core and strategic.

• AmWINScoreTechnology or IntegrationInsurance carrier partner providing commercial insurance products including payments and claims processing through AmWINS platform
• Accident FundcoreTechnology or IntegrationWorkers compensation insurance carrier partner
• ZurichcoreTechnology or IntegrationGlobal insurance carrier providing commercial and specialty insurance products
• American ModerncoreTechnology or IntegrationSpecialty insurance carrier for personal and commercial lines including manufactured housing and watercraft
• EMC InsurancecoreTechnology or IntegrationRegional property and casualty insurance carrier
• Farmers AlliancecoreTechnology or IntegrationFarm and ranch insurance specialist carrier serving rural communities
• CNAcoreTechnology or IntegrationCommercial lines insurance carrier specializing in business insurance
• ChubbcoreTechnology or IntegrationPremium insurance carrier for high-value personal and commercial coverage
• TravelerscoreTechnology or IntegrationMajor property and casualty insurance carrier providing business and personal insurance
• Liberty MutualcoreTechnology or IntegrationNational insurance carrier providing personal and business insurance products
• CIGNAcoreTechnology or IntegrationHealth insurance and employee benefits carrier
• UnumcoreTechnology or IntegrationEmployee benefits carrier specializing in life, disability, and supplemental insurance
• United HealthcarecoreTechnology or IntegrationMajor health insurance carrier for group health coverage
• HartfordcoreTechnology or IntegrationBusiness insurance carrier specializing in workers compensation and commercial lines
• AflaccoreTechnology or IntegrationSupplemental insurance carrier providing accident and health coverage
• Delta DentalcoreTechnology or IntegrationDental insurance carrier for group and individual plans
• Blue Cross Blue Shield Kansas CitycoreTechnology or IntegrationRegional health insurance carrier for group health and dental plans in the Kansas City area
• Trusted ChoicestrategicGTM or Marketing PartnerNational network of independent insurance agencies providing brand recognition, marketing support, and access to resources for member agencies

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Acrisure: Rapidly growing PE-backed insurance brokerage roll-up. Represents the consolidator model competing for talent and clients in CEK's Midwest geography, and a potential exit/acquisition partner.
• Hub International: One of the largest North American insurance brokerages with extensive commercial, personal, and benefits capabilities. Operates as a PE-backed roll-up acquiring independent agencies like CEK, representing both competitive threat and acquisition pathway.
• Brown & Brown: National insurance brokerage with diversified commercial and personal lines operations. Comparable industry vertical but at vastly greater scale and with public-company resources and acquisition capacity.

Direct peers

• ABD Insurance & Financial Services: California-based independent insurance brokerage offering commercial, personal, and employee benefits solutions through a multi-carrier model. Directly comparable in product mix and mid-market commercial focus.
• Woodruff-Sawyer & Co. San Francisco-based independent insurance brokerage with a long operating history, providing commercial and personal lines via multiple carriers. Comparable legacy independent agency with deep carrier relationships.
• Leavitt Group: Independent insurance agency network headquartered in Cedar City, Utah, with offices across the Western and Midwestern US. Comparable in operating model — multi-carrier independent agency serving personal, commercial, and benefits lines — and active in agency roll-ups.
• Insurica Insurance Group: Oklahoma-based independent insurance agency providing personal, commercial, and employee benefits through multiple carrier partnerships. Closely comparable in scale, regional Midwest/South-central footprint, and full-service brokerage model.
• Higginbotham: Large independent insurance agency founded in Fort Worth, Texas, serving commercial and personal lines through multiple carrier partnerships. Highly comparable as a multi-office, multi-state independent agency with similar product breadth and commission-based revenue model.
• Heffernan Insurance Brokers: California-based independent insurance brokerage serving mid-market commercial and personal clients through multiple carrier partners. Comparable in being a privately-held independent agency with a diversified product portfolio and benefits practice.

Emerging players

• Lemonade: Insurtech carrier using AI and mobile-first UX to underwrite renters, homeowners, auto, pet, and life insurance directly. Disintermediates independent agencies in the personal-lines segment where CEK has its largest customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/InsuranceCEK
• Facebookfacebook.com/CEKInsurance
• LinkedInlinkedin.com/company/510733?trk=company_search

Revenue estimate

Valuation estimate

Number of profiles

Profiles42 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 CEK Insurance