Autumn Insurance & Benefits

Name

Autumn Insurance & Benefits

Legal name

Autumn Insurance & Benefits

Website

https://autumninsurance.com

Company type

Private

Founded year

1933

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness) (HLAEAAAK)

akta.pro secondary industries

Basic Group Term Life (Employer-Paid) (FSAIADAA), Participating (Dividend) Whole Life Insurance (FSAIABAI), Group AD&D (Standalone or Bundled with Life) (FSAIADAG), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial lines insurance
• Group employee benefits
• Medicare supplement plans

Headquarters

HQ city

Novi

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, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, Autumn Insurance earns commissions from insurance carriers for policies placed. They represent multiple top-rated insurance providers and earn commissions on each policy sold or renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Autumn Insurance & Benefits is an independent insurance agency that places personal, commercial, and group benefits insurance policies on behalf of clients by comparing rates and coverage options across multiple top-rated insurance carriers. The agency sells its own brokerage/advisory services across four product lines: personal insurance (home, auto, life, umbrella, disability, health, identity theft, watercraft, RV), commercial insurance (property, general liability, workers' comp, business auto, umbrella, construction bonding), group employee benefits (medical, dental & vision, life & disability, voluntary, wellness, compliance), and Medicare supplement plans, earning commissions from carrier partners for each policy placed or renewed.

Product overview

Autumn Insurance & Benefits is an independent insurance agency offering a comprehensive portfolio of insurance products and employee benefits solutions. The agency provides Personal Insurance (Homeowners, Personal Auto, Life, Umbrella, Disability, Identity Theft, Boat/Watercraft, Motorhome/RV, and Health Insurance), Commercial Insurance (Business Property, General Liability, Workers' Compensation, Business Auto, Commercial Umbrella, and Construction Bonding), Group Benefits (Medical, Dental & Vision, Life & Disability, Voluntary Benefits, Wellness, and Compliance & Administration), and Medicare Supplement Plans. As an independent agency, they work with multiple top-rated insurance carriers to match customers with optimal coverage and pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Coverage for dwelling and personal property, including liability coverage, loss of use, and protection against fire, theft, windstorm, and vandalism, offered to Michigan homeowners through multiple top-rated carrier partners.
• Personal Auto Insurance Personal auto policy options covering the policyholder, vehicle, and anyone injured by the policyholder's negligence, including Personal Injury Protection (PIP) with unlimited lifetime medical coverage options.
• Personal Life Insurance Life insurance coverage that protects dependents from financial loss upon the policyholder's death, covering funeral costs, living expenses, mortgage debt, and other financial obligations.
• Personal Umbrella Insurance Extra layer of liability coverage above and beyond Auto or Homeowners policies, providing additional protection against judgments that exceed basic insurance limits.
• Disability Insurance Coverage that replaces some or all of income while the insured is unable to work due to injury or illness, helping pay mortgage, car payments, tuition, and daily expenses.
• Identity Theft Insurance Cost-effective protection against identity theft, covering fraud recovery and helping protect credit scores from cyber-criminal activities.
• Boat & Watercraft Insurance Coverage for speedboats, sailboats, houseboats, pontoons, personal watercraft, and luxury yachts against collisions, fire, theft, and liability.
• Motorhome & RV Insurance Comprehensive, customizable insurance for recreational vehicles including vacation liabilities, emergency expenses, and loss of personal items.
• Personal Health Insurance Health insurance coverage through plans from Blue Cross, Priority Health, and HAP, including HMO and PPO options with dental, vision, and disability coverage.
• Business Property Insurance Protection for physical business assets covering repair or replacement costs, including building, inventory, computers, furniture, equipment, accounts receivable, and lost income during business interruption.
• Commercial General Liability Insurance Coverage to prevent major financial losses in the event of bodily injury or property damage, covering medical expenses, damages, attorney fees, settlements, and reimbursements.
• Workers' Compensation Insurance Coverage that protects workers who become sick or injured from a job-related cause, covering medical care, lost wages, and disability benefits.
• Business Auto Insurance Coverage for vehicles used for business purposes, including property damage, bodily injury, liability, and protection for company cars or fleets.
• Commercial Umbrella Insurance Extends insurance limits to cover unusually high costs or losses, protecting assets and earnings from claims with typical coverage ranging from $1 million to $5 million.
• Construction Bonding Insurance Surety bonding safeguarding contractors and owners from incomplete work, nonpayment issues, liens, and damages for general contractors, developers, and owners.
• Group Medical Insurance Employee group health coverage including medical plans and prescription drug coverage with generic, preferred, non-preferred, higher-cost, and specialty drug tiers, sold to Michigan employers.
• Dental & Vision Insurance Dental coverage for routine exams, cleanings, X-rays, fillings, crowns, root canals, dentures, and orthodontics; vision coverage for eye exams, eyewear, and contact lenses.
• Group Life & Disability Insurance Employee life insurance including group term life, group universal life, accidental death and dismemberment, and short-term and long-term disability coverage.
• Voluntary Benefits Optional employee benefits including life, disability, accident, critical illness, cancer treatments, home insurance, mortgage protection, identity theft, legal services, and pet insurance.
• Wellness Programs Employee wellness programs covering health screening, vaccination clinics, gym memberships, seminars, health risk assessments, and mental health support including therapy and counseling.
• Compliance & Administration Services Benefits administration and compliance services including ERISA, ACA, HIPAA compliance, COBRA administration, and employee benefits technology solutions for employer clients.
• Medicare Supplement Plans Medicare Supplemental insurance (Medigap) filling gaps in Original Medicare coverage including co-payments, co-insurances, deductibles, and out-of-pocket expenses.

Quantifiable outcome

• Serving more than 6000 individuals, families and businesses
• +1 more outcomes

Named customers4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Highstreet Family of CompaniescoreStrategic or Co-development PartnerAutumn Insurance & Benefits is part of the Highstreet family, along with Baty Agency, Interlakes Insurance, and E.M. Schroeder Insurance Agency. This affiliation represents a strategic consolidation of insurance agencies under the Highstreet brand, with Autumn serving as a key member of this insurance group.
• Blue Cross Blue Shield (BCBS)minorChannel Partner/ Reseller/ DistributorAutumn Insurance offers travel insurance products through BCBS Global Solutions (GeoBlue), providing customers access to international travel insurance coverage.
• Priority HealthminorChannel Partner/ Reseller/ DistributorAutumn Insurance recommends and specializes in health insurance plans from Priority Health, one of the insurance providers they work with for personal health insurance.
• HAP (Health Alliance Plan)minorChannel Partner/ Reseller/ DistributorAutumn Insurance recommends and specializes in health insurance plans from HAP (Health Alliance Plan), one of the insurance providers they work with for personal health insurance.

Scale indicators5 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Goosehead Insurance: Public independent insurance agency that distributes personal and commercial lines through a franchise and corporate-owner model. Comparable to Autumn as an independent agency representing multiple carriers, though Goosehead has invested heavily in technology and a national footprint.
• Highstreet Insurance Partners: Autumn Insurance is part of the Highstreet family of agencies, making Highstreet the most directly comparable peer. Same multi-line independent agency model with carrier representation, group benefits, and rollup-by-acquisition growth, operating across the Midwest and beyond.
• Brightway Insurance: Franchise-based independent insurance agency offering home, auto, and commercial coverage through multiple carrier partners. Closely comparable to Autumn in being a multi-carrier independent agency selling personal and commercial lines through local agent relationships.

Broad incumbents

• Acrisure: One of the largest insurance brokerages in the world, built through aggressive acquisition of regional agencies. Comparable as a consolidator of independent agencies, and the dominant model illustrating the rollup trajectory available to Autumn under Highstreet.
• Brown & Brown: National insurance brokerage publicly traded on the NYSE, distributing commercial, personal, and group benefits through a network of offices. Comparable to Autumn across product lines but at vastly larger scale, with a similar mix of organic growth and acquired agencies.
• Hub International: Large North American insurance brokerage offering personal, commercial, and employee benefits across multiple specialty practices. A scaled version of Autumn's multi-line brokerage model, providing a benchmark for what an aggressively consolidated regional agency could become.
• Integrity Marketing Group: Large independent distributor of life, health, and annuity products that has aggressively rolled up independent agencies. Comparable to Autumn in independent multi-carrier distribution and benefits focus, though Integrity has built scale through large-scale M&A.
• World Insurance Associates: National insurance brokerage built through acquisitions of personal, commercial, and benefits agencies. Same rollup playbook and multi-line distribution model as Autumn, but operating at much greater scale.
• USI Insurance Services: Large employee benefits and property/casualty brokerage with national reach, servicing mid-market and larger employers. Comparable in its combined P&C and group benefits delivery model, though at enterprise scale.

Regional players

• Frankenmuth Insurance: Michigan-based super-regional property/casualty insurer distributing through independent agents across the Midwest. Comparable as a Michigan-anchored insurance brand working through independent agency distribution, though operating as a carrier rather than an agency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AutumnInsuranceBenefits
• LinkedInlinkedin.com/company/autumn-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries3 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 Autumn Insurance & Benefits