Scalzo Zogby & Wittig

What Scalzo Zogby & Wittig does

Scalzo, Zogby & Wittig, Inc. (SZW) is a privately held independent insurance agency founded in March 1992 by Gary Scalzo and Steve Zogby in Utica, New York. The firm operates from a single headquarters at 120 Lomond Court, Utica, and serves individuals, families, and small-to-medium businesses across the Mohawk Valley and Central New York. As a Trusted Choice independent agency, SZW represents multiple carriers — including Philadelphia Insurance Companies, The Hartford, Utica National Insurance Group, and Safeco — and earns commissions on policies placed and renewed rather than underwriting risk itself.

The agency's product catalog spans personal lines (auto, homeowners, motorcycle, classic car, boat/watercraft, RV/motorhome, motorsport/ATV, renters, condo, landlord, flood, earthquake, umbrella, life, health) and commercial lines (Business Owners Policy, commercial property, general liability, commercial auto, workers' compensation, surety bonds, commercial umbrella). Distribution runs through a phone-led direct sales model (315-792-0000), a walk-in office, an online quote-request portal on szwinsurance.com, and a content-marketing blog, supplemented by active community sponsorships in the Mohawk Valley.

The underlying technology stack is minimal: the website is a CMS site built by Avelient, lead and policy servicing rely on carrier portals and a phone system (recently upgraded to 4-digit extensions by Northland Communications), and the agency carries no proprietary insurance technology, no API surface, and no AI/ML capabilities. SZW differentiates on local presence (33 years operating, many 10+ year tenured staff), multi-carrier comparison shopping, and community involvement rather than technology or scale. The business is a founder-owned partnership with no external investors, no parent company, no M&A history, and no disclosed revenue.

Name

Scalzo Zogby & Wittig

Legal name

Scalzo, Zogby, & Wittig, Inc.

Website

https://szwinsurance.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Scalzo Zogby & Wittig is a privately held, founder-owned independent insurance agency founded in 1992 in Utica, New York, serving individuals, families, and small-to-medium businesses across the Mohawk Valley through multiple carrier partnerships.

Ownership category

akta.pro rank

Headquarters

HQ city

Utica

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, Infrastructure, Technology or R&D

Revenue model

1. Insurance Commissions: As an independent insurance agency, Scalzo Zogby & Wittig earns commissions from insurance carriers for policies placed and renewed. They represent multiple insurance companies allowing them to offer comparison shopping to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Scalzo Zogby & Wittig is an independent insurance agency that sells personal and commercial insurance products on behalf of multiple insurance carriers, including Philadelphia Insurance Companies, The Hartford, Utica National Insurance Group, and Safeco. The agency provides comparison shopping across carriers to match customers with coverage for auto, home, business, life, and health insurance needs, and supports clients with policy service and claims handling. It is a Trusted Choice independent agency operating from a single Utica, NY office serving the Mohawk Valley region.

Product overview

Scalzo, Zogby, & Wittig, Inc. is a Trusted Choice independent insurance agency serving the Utica, New York area since 1992. The agency operates as a comparison-shopping platform offering multiple insurance carriers and product lines. Their core offerings center on personal lines (auto, homeowners, motorcycle, classic car, boat, RV) and commercial lines (business owners policy, general liability, workers' compensation, commercial auto, commercial property, surety bonds). Additional personal products include renters, condo, landlord, flood, earthquake, and umbrella insurance. Health and life insurance are also available. The agency differentiates through access to multiple carriers (Philadelphia Insurance Companies, The Hartford, Utica National Insurance Group, Safeco) enabling comparative shopping for customers in the Mohawk Valley and Central New York.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance
• Homeowners Insurance
• Business Insurance
• Motorcycle Insurance
• Classic Car Insurance
• Boat & Watercraft Insurance
• RV & Motorhome Insurance
• Motorsport & ATV Insurance
• Renters Insurance
• Condo Insurance
• Landlord Insurance
• Flood Insurance
• Earthquake Insurance
• Personal Umbrella Insurance
• Business Owners Policy (BOP)
• Commercial Property Insurance
• Commercial Umbrella Insurance
• General Liability Insurance
• Commercial Auto Insurance
• Workers' Compensation Insurance
• Surety Bonds
• Health Insurance
• Life Insurance

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• Trusted ChoicecoreStrategic or Co-development PartnerTrusted Choice is a network of independent insurance agencies. Scalzo Zogby & Wittig is a Trusted Choice independent agency, providing them with brand resources, carrier access, and marketing support.
• Philadelphia Insurance CompaniesminorChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency. One of the insurance companies whose products are offered to customers.
• The HartfordminorChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency. Major national carrier providing various insurance products.
• Utica National Insurance GroupminorChannel Partner/ Reseller/ DistributorRegional insurance carrier represented by the agency. Close proximity suggests strong regional relationship.
• SafecominorChannel Partner/ Reseller/ DistributorInsurance carrier (Liberty Mutual subsidiary) represented by the agency. Has recognized agency staff with awards.
• American Heart Association Mohawk ValleyminorGTM or Marketing PartnerMajor sponsor of America's Greatest Heart Run & Walk 2020. Company staff man phones during telethon and participate in event.
• Oneida County Historical SocietyminorGTM or Marketing PartnerGary Scalzo and Steve Zogby served as honorary co-chairmen for the 6th Annual telethon. Organization founded in 1876 serving the Mohawk Valley.
• Rescue Mission of UticaminorOthersMatt Briggs from SZW was on planning committee for Walk A Mile event to raise funds for the Rescue Mission serving the homeless. Company supported through Leadership Mohawk Valley program.
• Mohawk Valley Chamber of CommerceminorGTM or Marketing PartnerGary Scalzo served on the Chamber's Board of Directors, working to encourage businesses to grow and prosper in the Mohawk Valley.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with deep retail commercial and personal lines practices. Comparable in offering breadth (commercial P&C, personal lines, benefits) and in serving small-to-middle-market customers with multi-carrier placement.
• Marsh McLennan: Global professional services firm in risk, strategy, and people, anchored by Marsh insurance brokerage. While far larger, comparable in multi-carrier placement model and in serving commercial clients across P&C, surety, and benefits lines.
• USI Insurance Services: One of the largest US insurance brokerage and consulting firms serving middle-market businesses with property/casualty, employee benefits, and personal lines. Represents the scaled, multi-carrier brokerage model that an acquirer could apply to SZW's commercial book.
• Hub International: North American insurance brokerage built largely by acquiring regional independent agencies. Comparable as a roll-up acquirer and as a peer operating multi-line personal/commercial insurance distribution.
• Leavitt Group: Large national network of independent insurance agencies offering personal, commercial, and benefits products across multiple states. Comparable as a scaled example of the independent-agency model that SZW operates in at a regional level.
• Brown & Brown, Inc. Publicly traded insurance broker that has grown aggressively through acquisition of regional independent agencies. Highly comparable as both a peer business model (multi-line independent agency) and as a likely strategic acquirer profile for SZW.

Emerging players

• Hiscox: Specialty insurer with a strong digital small-commercial and high-net-worth personal lines offering. Comparable as a competitor specifically for SZW's small-commercial and specialty personal lines (classic car, boat, RV) where direct digital purchase is increasingly common.
• Next Insurance: Digital-first insurtech providing small business liability, workers' comp, and commercial auto online. Comparable as a direct competitor to SZW's small-to-medium business commercial book where online binding is gaining traction with younger SMB owners.

Direct peers

• Utica National Insurance Group: Regional insurance carrier headquartered in the same Central New York market that SZW serves. Comparable as a regional insurance market participant and as one of SZW's key carrier partners, illustrating the local competitive and partnership dynamic.
• The Flanders Group: Regional independent insurance agency operating across multiple states with personal and commercial lines. Closely comparable to SZW in independent multi-carrier agency model and regional/SMB customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/SZWInsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Scalzo Zogby & Wittig