PAC Insurance Agency

What PAC Insurance Agency does

PAC Insurance Agency, Inc. is an independent personal lines insurance agency incorporated in Alabama in 1981 and headquartered in Hoover, Alabama. The firm sells auto, homeowners, condominium, mobile home, motorcycle, recreational vehicle, boat, renters, and personal umbrella insurance to individual consumers across the greater Birmingham metropolitan area. It operates three physical branch offices — Hoover (3408 Lorna Lane), Roebuck/Birmingham (9729 Parkway East, Suite 100-A), and Bessemer (421 19th Street N) — and supports customers via phone and online quote request forms, with branch managers Bill McFeeters (Hoover) and Ken McFeeters (Bessemer) suggesting family ownership alongside Kristy Kinzer (Office Manager, Hoover) and Jim Byers (Roebuck).

Revenue is generated on a commission basis from five carrier partners — Safeco, Travelers, National General, Safeway Insurance, and Progressive — with PAC receiving payment when customers purchase or renew policies placed through the agency. Headcount is reported at 1–10 employees, and the operation is lean: each branch is staffed by a branch manager/agent plus one to two additional agents or customer service representatives, with no disclosed centralized functions in technology, data, or product development. Customer acquisition is driven by local relationship selling, in-person and phone consultations, online quote forms, an active blog, organic search, and a "Refer a Friend" program; the firm emphasizes differentiated service from local agents versus 800-number call centers as its core positioning.

Technology infrastructure is minimal: the website is built on a third-party Insurance Website Builder platform from ITC, no mobile app exists, no public API is offered, no proprietary systems are documented, and no AI/ML capabilities are referenced. The firm self-describes as "one of the largest personal lines insurance agencies in Alabama" and competes on local presence, multi-carrier choice, and personalized service rather than on technology differentiation. There are no disclosed funding rounds, acquisitions, or material corporate transactions in the source data.

Name

PAC Insurance Agency

Legal name

PAC Insurance Agency, Inc.

Website

https://pacinsuranceagency.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1–10 employees

Short description

PAC Insurance Agency is an independent personal lines insurance agency founded in 1981 and headquartered in Hoover, Alabama. It sells auto, home, motorcycle, boat, RV, and related personal insurance through three Alabama branches on a commission basis from five carrier partners.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Umbrella Insurance (FSAJANAA)

Keywords

• Personal lines insurance
• Independent insurance agency
• Auto insurance
• Homeowners insurance
• Recreational vehicle insurance

Headquarters

HQ city

Hoover

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Commission Revenue: PAC Insurance Agency earns revenue through commissions from insurance carriers for policies sold. As an independent agency representing multiple carriers (Safeco, Travelers, National General, Safeway Insurance, Progressive), they receive commission payments when customers purchase and renew insurance policies through their agency.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

PAC Insurance Agency is an independent personal lines insurance agency that sells auto, home, condominium, mobile home, motorcycle, recreational vehicle, boat/watercraft, renters, and personal umbrella insurance to individual consumers in Alabama. Operating from three branch offices in Hoover, Birmingham (Roebuck), and Bessemer, the agency represents multiple insurance carriers including Safeco, Travelers, National General, Safeway Insurance, and Progressive, earning commissions on policies sold and renewed.

Product overview

PAC Insurance Agency offers a portfolio of personal lines insurance products for individuals and families in Alabama. The company provides nine core insurance products: Auto Insurance, Homeowners Insurance, Condominium Insurance, Mobile Home Insurance, Motorcycle Insurance, Personal Umbrella Insurance, Recreational Vehicle (RV) Insurance, Renters Insurance, and Watercraft/Boat Insurance. Additionally, they offer a combined RV and Boat Insurance product. All products are available through their three Alabama branch locations (Hoover, Roebuck/Birmingham, and Bessemer) and online quote forms. The agency operates as an independent insurance agency working with multiple carrier partners to provide competitive rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance providing financial protection for drivers including liability coverage, collision coverage, comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage for cars in Alabama.
• Homeowners Insurance Financial protection for homeowners covering property structure, personal belongings, liability protection, and additional living expenses if the home becomes uninhabitable due to a covered disaster.
• Condominium Insurance

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• SafecocoreChannel Partner/ Reseller/ DistributorSafeco is an insurance carrier partner whose products are offered through PAC Insurance Agency. Safeco provides various personal insurance lines including auto and home insurance.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers is an insurance carrier partner whose products are offered through PAC Insurance Agency. Travelers offers comprehensive personal and commercial insurance products.
• National GeneralcoreChannel Partner/ Reseller/ DistributorNational General is an insurance carrier partner whose products are offered through PAC Insurance Agency. National General specializes in various insurance products.
• Safeway InsurancecoreChannel Partner/ Reseller/ DistributorSafeway Insurance is an insurance carrier partner whose products are offered through PAC Insurance Agency. Safeway Insurance provides auto and other personal insurance lines.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive is an insurance carrier partner whose products are offered through PAC Insurance Agency. Progressive is a major national auto insurance provider.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Goosehead Insurance: Independent personal lines insurance agency with a franchise model offering customers multiple carrier options. Goosehead operates a comparable multi-carrier agency model to PAC but at vastly greater scale and with a corporate/franchise structure.
• Brightway Insurance: Independent insurance agency franchise specializing in home, auto, and other personal lines across multiple states. Brightway's model of empowering local agents to shop multiple carriers directly parallels PAC's independent agency value proposition.

Regional players

• Alfa Insurance: Alabama-headquartered regional insurance company serving Alabama, Mississippi, Georgia, and Tennessee. Alfa is the dominant regional P&C carrier in PAC's home market and competes for the same personal lines customers through its own agency network.
• Erie Insurance: Regional P&C mutual insurer operating in the eastern U.S. through independent agents. Erie's agency-distributed personal lines model and regional geographic focus make it a comparable franchise-format competitor to PAC's independent agency model.
• Auto-Owners Insurance: Mid-sized mutual P&C insurer distributing exclusively through independent agents across the central and eastern U.S. Auto-Owners' exclusive use of independent agents positions it as a competing carrier partner alongside the carriers PAC currently represents.
• COUNTRY Financial: Regional mutual financial services company offering personal lines insurance through captive agents in the Midwest and South. COUNTRY's personal lines focus and agent-led distribution model make it a regional comparable in customer and channel approach.
• Shelter Insurance: Regional mutual insurer offering personal auto, home, and life coverage through captive agents across the central U.S. Shelter's mutual structure and personal lines agency focus parallel PAC's customer base and distribution channel.

Broad incumbents

• State Farm: Largest U.S. personal lines insurer with a captive agent distribution model. State Farm competes directly for the same auto and home customers in Alabama and represents the dominant agency-channel incumbent in PAC's geographic footprint.
• Allstate: National personal lines insurer with a captive agent distribution model and growing direct channel. Allstate competes for the same auto, home, and umbrella customers in Alabama and pressures the agency-mediated value proposition PAC relies on.

Emerging players

• The General (PCC Subsidiary): Direct-to-consumer non-standard auto insurer. The General represents the disintermediating direct-channel model that increasingly competes with PAC's auto book, illustrating the structural pressure on traditional independent agencies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pac-insurance

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 PAC Insurance Agency