Gallina and Sons

What Gallina and Sons does

Gallina and Sons is an independent, family-owned insurance agency headquartered in Bridgeville, Pennsylvania, founded in 1948 by Henry G. "Chick" Gallina and now in its third generation of ownership. The firm distributes personal, commercial, and specialty insurance products on behalf of multiple carriers, earning commissions on placements and fees on ancillary services such as certificate requests. It operates three physical offices across Western Pennsylvania — Bridgeville (HQ), Pittsburgh, and Cranberry Township — and is licensed in 14 U.S. states, although its core customer base remains concentrated in Western PA.

The agency's defining specialization is insurance for residential communities: it positions itself as the only agency in Western Pennsylvania focused on Planned Communities, condominium associations, homeowners associations (HOAs), co-operatives, and apartment communities. To serve the residents of those communities, the firm operates a dedicated sub-brand, Community Association Insurance Advisors (CAIA), from the Cranberry Township office. Beyond the community-association vertical, the firm offers a broad personal lines book (including high-net-worth coverage), full commercial lines for small and mid-sized businesses, and industry-specific products for property managers, landlords, and office building owners. Pricing is quote-based with annual billing cycles, reflecting the custom nature of the products placed.

The technology stack is entirely third-party and non-proprietary: the client portal is provided by CSR24, website engagement tools (including 'Clickable Coverage') are powered by FMG Suite / Agency Revolution, and digital marketing runs through standard web, social, and Google Reviews channels. There is no proprietary platform, API, SDK, or AI/ML capability disclosed. The go-to-market motion is sales-led and consultative, combining direct office visits, online consultation requests, a referral program, and a multi-touch service model that pairs each policy with a dedicated claims adjuster, attorney, repair specialist, and bank loan officer.

Name

Gallina and Sons

Legal name

Gallina and Sons

Website

https://www.gallinaandsons.com/

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

11–50 employees

Short description

Gallina and Sons is a commercial insurance agency which offers sound advice and program options.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Master-Planned Community & POA Management (BPAJAHAD)

Keywords

• Independent insurance agency
• Commercial insurance programs
• Personal insurance coverage
• Homeowners association insurance
• Condo association insurance

Headquarters

HQ city

Bridgeville

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, Gallina and Sons earns commissions from insurance carriers for placing and managing insurance policies for clients. They work with multiple insurance companies but represent the client's interests.
2. Service Fees: The agency charges fees for certain services, such as certificate requests. Refinance and New Purchase certificate requests are subject to a $20 fee.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Gallina and Sons is an independent insurance agency that places and manages commercial and personal insurance policies on behalf of clients through multiple carrier relationships. The agency specializes in insurance programs for planned communities, condominium associations, homeowners associations, co-operatives, and apartment communities, while also serving small-to-medium businesses and individual consumers with a broad portfolio of property, casualty, liability, and specialty coverages. Revenue is generated primarily through insurance carrier commissions with supplemental service fees for specific requests such as certificate processing.

Product overview

Gallina and Sons is an independent insurance agency offering a comprehensive portfolio of insurance products and services. The company specializes in residential programs for Planned Communities, condo associations, and residential properties (Commercial Property, Commercial Umbrella, Directors and Officers Liability, General Liability, Workers' Compensation); business insurance solutions (Business Owners Insurance, Cyber Liability, Environmental, Ocean Marine, Risk Management, Builders Risk, Business Auto, Business Interruption, Commercial Bonds, Commercial Flood, Crime, EPLI, E&O, Fiduciary Liability, Fleet, Inland Marine, Key Person Life, Liquor Liability, Bonds, Systems Breakdown, Vacant Building); and personal insurance (High Net Worth, Condo, Home, Auto, Excess Liability, Umbrella, Life, Renters, RV, Watercraft, Wedding, Classic Car, Earthquake, Flood, Home Cyber, Identity Theft, Pet, Rental Property, Secondary Home, Short-Term Rental, Special Event, Vacant Home, Valuable Possessions, Yacht). The agency also provides industry-specific coverages for Homeowners Associations, Condo Buildings, Property Managers, Landlords, Office Buildings, and numerous other commercial sectors. Gallina and Sons operates as an independent agency, working with multiple insurance carriers to provide tailored solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Programs Insurance programs for Planned Communities, Condo Associations, and residential properties including Commercial Property, Commercial Umbrella, Directors and Officers Liability, General Liability, and Workers' Compensation coverage. Designed for residential community associations and property managers overseeing planned communities.
• Business Insurance Commercial insurance solutions for businesses across industries including Business Owners Insurance, Cyber Liability, Environmental Insurance, Ocean Marine Insurance, Risk Management, Builders Risk, Business Auto, Business Interruption, Commercial Bonds, Commercial Flood, Crime, Employment Practice Liability, Errors and Omissions, Fiduciary Liability, Fleet, Inland Marine, Key Person Life, Liquor Liability, Bonds, Systems Breakdown, and Vacant Building coverage.
• Personal Insurance Personal insurance coverage for individuals and families including High Net Worth, Condo, Home, Auto, Excess Liability, Umbrella, Individual Life, Renters, RV, Watercraft, Wedding, Child Life, Classic Car, Earthquake, Flood, Home and Auto Bundled, Home Cyber, Identity Theft, Off-Road Vehicle, Personal Injury Protection, Pet, Rental Property, Secondary Home, Short-Term Rental, Special Event, Vacant Home, Valuable Possessions, and Yacht insurance.
• Homeowners Association Insurance Planned Communities master policy coverage for homeowners associations protecting against property damage, loss, and liability claims from visitors or community members, including directors and officers liability and crime insurance.
• Condo Building Insurance Coverage for condo associations with four policy levels: Association Master Policy, Bare Walls, Modified Single Entity, and Single Entity coverage, including property, general liability, crime, systems breakdown, D&O, cyber liability, environmental, and sponsor/investor coverage.
• Property Manager Insurance Insurance for property management firms covering commercial auto, commercial property, cyber liability, errors and omissions, general liability, and tenant discrimination.
• Landlord and Rental Property Insurance Coverage for rental properties including rental dwelling, building property for individual units, apartment/condo building, home-sharing, personal property, lost rental income, landlord liability, EPLI, guaranteed income, emergency coverage, ordinance or law, eviction, vacant property, natural disasters, vandalism, tenant move back, and equipment breakdown.
• Office Building Insurance Coverage for office building landlords with commercial property, general liability, crime insurance, and protection against severe weather, lost income, and additional exposures like signage, water/sewer backup, equipment breakdown, and cyber liability.
• High Net Worth Insurance Comprehensive insurance solution combining coverage for homes, vehicles, travel, and life insurance, designed for individuals with large assets and unique coverage needs including water damage, valuable possessions, collector cars, cyber risk, employee practices liability, excess liability, fire, personal liability, flood, secondary homes, travel, equipment breakdown, special events, and mold.

Quantifiable outcome

• Serving 1,000+ clients including thousands of individuals and hundreds of businesses

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Insurance Agents & Brokers (IA&B)coreStrategic or Co-development PartnerIA&B is a professional trade association that is a driving force behind professional training, advocacy, and support for independent agencies. Membership provides access to industry-leading professional development, advocacy, industry information, knowledge base, communications, and more. IA&B serves independent insurance agents in Pennsylvania, Maryland, and Delaware.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown, Inc. National insurance brokerage with deep retail and commercial lines practices. Comparable core business model (independent agency/brokerage) but operates at vastly greater scale across the entire US.
• Arthur J. Gallagher & Co. (Gallagher): Global insurance brokerage and risk management firm with substantial retail brokerage operations serving mid-market and association clients. Comparable in serving HOA/condo and commercial association segments but at significantly larger scale.
• Acrisure: Fast-growing, PE-backed insurance brokerage roll-up. Comparable business model (independent brokerage) and growth trajectory via acquisition, though much larger and more diversified.
• Marsh McLennan Agency: Middle-market arm of Marsh, serving commercial and personal lines clients through regional offices. Comparable client mix (associations, SMBs, individuals) but operates with broader resources and carrier scale.

Direct peers

• AssuredPartners: Large PE-backed insurance brokerage roll-up that acquires mid-market independent agencies like Gallina and Sons. Highly comparable on business model (independent agency placing P&C, commercial, and personal lines), customer mix, and likely post-PE exit trajectory.
• The Hilb Group: Mid-Atlantic insurance brokerage that acquires and partners with regional independent agencies. Comparable on regional independent-agency model, multi-carrier access, and concentration in the Northeast US.
• Higginbotham: Large independent insurance brokerage built through roll-ups of regional agencies. Highly comparable on independent agency structure, multi-line P&C focus, and growth-by-acquisition strategy.
• Keystone Insurers Group: Pennsylvania-based alliance of independent insurance agencies that pool resources while preserving local independence. Comparable model (independent agency serving PA clients across personal and commercial lines) and strong overlap with Gallina and Sons' Western PA geography.
• Community Association Underwriters of America (CAUIA): Specialty insurance agency focused exclusively on community associations, HOAs, and condominiums. Highly comparable niche specialization - directly overlaps with Gallina and Sons' signature HOA/condo focus and CAIA sub-brand.

Regional players

• Erie Insurance Group: Regional P&C carrier headquartered in Erie, PA with strong distribution in Pennsylvania and adjacent states. Comparable geographic footprint and customer base (Western PA residents and businesses) but operates as a carrier with exclusive agents rather than an independent agency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xtwitter.com/GallinaAndSons
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• LinkedInlinkedin.com/company/gallinaandsons

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Gallina and Sons