Stuckey & Company

What Stuckey & Company does

Stuckey & Company is a family-owned Managing General Agent (MGA) headquartered in Lake St. Louis, Missouri, founded in July 1991 by Dennis Stuckey, Kay Stuckey, and their sons Dwight and Kerry. The firm designs and distributes specialty insurance programs — Commercial Lines (BOP, General Liability, Workers Compensation, Commercial Auto, Umbrella), Professional Lines (Tech E&O via SafetyTek, Cyber, D&O, MPL, Architects & Engineers via Aspire), Personal Lines (Home, Auto, Boat, Flood), marine insurance via HarborGuard, and creator-economy coverage via StudioGuard — exclusively through a network of 1,200+ independent insurance agents across 48 states, working with 80+ carrier partners led by The Hartford, Travelers, Chubb, CNA, Nationwide, Liberty Mutual, Zurich, Markel, Hiscox, Safeco, Foremost, and Accelerant.

The technology backbone is CoverCore, an agent-facing operating system built around an AI-powered discovery engine ("Swipe for Service"), multi-carrier quoting, pipeline management, and a tiered membership structure (Access, VIP, Elite). This is supported by TRiMRisk, an IoT Prevention-as-a-Service platform integrating 13 approved devices (water sensors, fire/electrical monitoring via Ting, auto telematics via Azuga, cybersecurity via ThreatLocker/Coro, and physical security) designed to lower claim frequency and earn premium credits; Pulse, the internal operations engine connecting FileMaker legacy infrastructure, carriers, and agents; and a proprietary AI Council of 10 domain-specialized agents trained on the firm's 34 years of insurance expertise. The platform also exposes a Data API and an AI Agent MCP for Elite-tier integrations, with infrastructure running on Neon managed PostgreSQL on GCP, Stripe payments, Twilio communications, and Clearbit enrichment, secured under SOC 2 Type 2 and ISO 27001.

Revenue is generated through three streams: (1) carrier commissions on policies placed, with commission splits that vary by membership tier (50/50 Access, 75/25 VIP, 90/10 Elite); (2) recurring agent membership subscriptions ($59/month VIP, $129/month Elite) for platform access, priority routing, co-branded pages, and revenue-share participation; and (3) recurring TRiMRisk device-subscription commissions, plus emerging direct-to-consumer revenue from StudioGuard ($39.99/month or $395/year creator policies). The firm manages an estimated $50-80M in gross written premium across 29,000+ policyholders, with approximately 12 named human team members plus 10 AI specialists — a structure indicating a tech-enabled but operationally lean MGA rather than a high-headcount brokerage.

Name

Stuckey & Company

Legal name

Stuckey & Company

Website

https://stuckey.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Stuckey & Company is a family-owned MGA, founded 1991 in Lake St. Louis, Missouri, that distributes specialty commercial, professional, personal, marine, and creator-economy insurance programs to 1,200+ independent agents across 48 states through its CoverCore platform, AI Council, and TRiMRisk IoT prevention layer, working with 80+ carrier partners.

Ownership category

akta.pro rank

Product category

Specialty Insurance Distribution (Managing General Agent)

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Managing General Agent
• Specialty insurance programs
• Commercial lines insurance
• Professional liability coverage
• Insurance agent platform

Headquarters

HQ city

St Louis

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Agent Membership Fees: Monthly subscription fees from independent insurance agents for platform access and membership tier benefits. Three tiers: Access (free/standard commission), VIP ($59/month with enhanced commission splits), Elite ($129/month with premium commission and white-label access).
2. Insurance Carrier Commissions: Stuckey earns commissions from 80+ insurance carriers (Hartford, Travelers, Chubb, CNA, Nationwide, Liberty Mutual, Zurich, Markel, and specialty markets) for policies placed through their platform. Commercial Lines represents 2/3 of total GWP. Commission splits vary by membership tier (50/50, 75/25, or 90/10 agent/MGA).
3. TRiMRisk Device Subscriptions: Recurring commission revenue from IoT prevention device subscriptions (water sensors, fire monitors, cyber security tools, auto telematics). Agents earn commissions on every device subscription as long as the policy remains active, creating recurring revenue streams.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Stuckey & Company operates as a specialty Managing General Agent (MGA), underwriting and distributing insurance programs through independent agents via its CoverCore platform. It places commercial, professional, personal, marine (HarborGuard), and creator-economy (StudioGuard) policies with 80+ carrier partners, and offers TRiMRisk IoT prevention-as-a-service to lower client risk profiles and generate recurring agent commissions.

Product overview

Stuckey & Company operates as a specialty Managing General Agent (MGA) offering insurance programs through 6 distinct products: Commercial Lines (largest program at 2/3 of GWP), Professional Lines (Tech E&O, Cyber, D&O, MPL, A&E), Personal Lines (Home, Auto, Flood), StudioGuard (creator economy insurance), HarborGuard (marine insurance), and TRiMRisk (IoT prevention-as-a-service). These are unified through the CoverCore platform — an agent operating system providing AI-powered lead discovery, multi-carrier quoting, policy management, and 10 AI Council agents for 24/7 service. The architecture combines core insurance programs with embedded risk management (TRiMRisk) and AI-powered distribution (CoverCore Discovery Engine), enabling agents to quote, bind, and service across 60+ carrier partners from one login.

Differentiator

Problem solved

Functional benefit

Brands

• CoverCore: Agent operating system for quoting, binding, and managing commercial policies across 60+ carrier markets.
• TRiMRisk
• StudioGuard
• HarborGuard
• SafetyTek
• Aspire

Products and services

• CoverCore Platform Agent operating system that lets independent insurance agents quote, bind, issue, and service policies across Stuckey's programs and 60+ carrier partners. Includes AI-powered Discovery Engine (Swipe for Service), pipeline management, multi-carrier quoting, the AI Council of 10 specialized agents, and digital policy servicing.
• Commercial Lines

Quantifiable outcome

• 85% of water damage claims can be prevented with IoT sensors (industry data from Gitnux)
• +6 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability10 records

Feature6 records

Partnerships

15 partnerships are on record, tiered core and strategic.

• The HartfordcoreChannel Partner/ Reseller/ Distributor · 1 January 1991Primary commercial lines carrier partner. The Hartford invited Stuckey to expand into all small commercial business after success with SafetyTek program. Serves as admitted market for BOP and Workers Compensation. Co-marketing partner for agent education webinars.
• ChubbcoreChannel Partner/ Reseller/ DistributorKey carrier partner for Professional Lines E&O coverage. Primary E&O carrier for Professional Lines program. Chubb had no tech program at the time Stuckey created SafetyTek, demonstrating Stuckey's program development capabilities.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor commercial lines carrier partner featured prominently on Stuckey carrier logos. Key market for commercial property and casualty coverage.
• AccelerantcoreChannel Partner/ Reseller/ DistributorAM Best rated carrier underwriting StudioGuard creator insurance program. StudioGuard is backed by Accelerant (through Etesian) and represents Stuckey's entry into the creator economy market.
• CNAcoreChannel Partner/ Reseller/ DistributorCommercial lines carrier partner providing coverage across Stuckey's commercial and professional lines programs.
• NationwidecoreChannel Partner/ Reseller/ DistributorCommercial lines carrier partner serving Stuckey's small business and commercial insurance programs.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor commercial lines carrier partner integrated into Stuckey's carrier market access.
• SafecocoreChannel Partner/ Reseller/ DistributorPersonal lines carrier partner for home and auto coverage through Stuckey's Personal Lines program.
• ForemostcoreChannel Partner/ Reseller/ DistributorPersonal lines carrier partner for specialty personal insurance products including home and auto.
• HiscoxcoreChannel Partner/ Reseller/ DistributorProfessional lines carrier partner for miscellaneous professional liability and specialty coverage.
• TechInsurance.com (via Jim Cochran)strategicTechnology or IntegrationEarly technology partnership in the 1990s where Stuckey co-created what is believed to be the first MGA-to-agent data integration, enabling agents to submit and receive quotes electronically. Worked with Jim Cochran to develop electronic submission capabilities.
• Epic IOcoreTechnology or IntegrationIoT water and temperature sensor monitoring for flood prevention, integrated into TRiMRisk prevention platform with 13 approved loss prevention devices.
• Ting (via EBS Security)coreTechnology or IntegrationElectrical sensor monitoring service for fire prevention, approved TRiMRisk device for property risk management.
• AzugacoreTechnology or IntegrationAuto telematics provider for fleet management and driver safety monitoring, integrated into TRiMRisk auto safety category with 88% fewer claim incidents reported.
• ThreatLockercoreTechnology or IntegrationEndpoint protection and zero trust cybersecurity solution integrated into TRiMRisk cyber security offerings.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• RPS (Risk Placement Services): One of the largest US wholesale brokers and MGAs, distributing specialty insurance through agents across commercial and professional lines. Directly comparable multi-program, multi-carrier MGA model.
• Accelerant: Data-driven insurance platform that connects underwriters with MGAs and capacity providers. Comparable as a tech-enabled MGA platform, and notably already a Stuckey carrier partner (underwriting StudioGuard via Etesian).
• Amwins: Major wholesale insurance distributor and MGA serving independent agents across specialty and standard lines. Comparable multi-program distribution platform at greater scale.
• CRC Insurance Group: Wholesale broker and MGA distributing commercial and specialty insurance to retail agents. Comparable wholesale distribution model and carrier-aggregator function.
• Burns & Wilcox: Specialty MGA and wholesale broker offering commercial and personal specialty programs via independent agents. Comparable as a multi-program, multi-carrier MGA with strong agent distribution.
• Coterie Insurance: Digital MGA partnering with independent agents to deliver small commercial insurance in minutes. Closely comparable to Stuckey's CoverCore agent-empowerment model and SMB focus, with similar API-driven distribution.

Broad incumbents

• CoverWallet (Aon): Digital small-business insurance platform acquired by Aon. Comparable SMB commercial-lines digital distribution, now part of a global brokerage that can cross-leverage agency relationships.
• Berkley Insurance Group: Large specialty commercial insurer and program administrator. Comparable specialty-program and carrier-wholesale capability, but operates at significantly greater scale and as an insurance carrier rather than pure MGA.
• Next Insurance: Digital SMB insurer offering commercial coverage directly to small businesses. Comparable SMB commercial-lines focus, but bypasses the independent agent channel that defines Stuckey's GTM.

Emerging players

• Thimble Insurance: On-demand digital insurance for small businesses and freelancers. Comparable in SMB targeting and self-serve distribution, but is a direct-to-customer model rather than agent-distributed.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries7 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 Stuckey & Company