Concord Insurance Agency

What Concord Insurance Agency does

Concord Insurance Agency, LLC is a privately held independent insurance agency headquartered at 6270 Dean Parkway, Ontario, New York, formed in 2002 through the consolidation of Glanton & Associates (founded 1980) and the Edward F. Kelly Agency (established 1958). The firm operates as an independent agent representing 19+ insurance carriers — including Andover, Erie & Niagara, Foremost, Hanover, Liberty Mutual, Progressive, Safeco, Selective, Travelers, The Hartford, Philadelphia Insurance, and specialty carriers such as Hagerty and American Collectors — to offer personal, commercial, life/disability, health, pet, and long-term care coverage to individuals, families, and small-to-medium businesses across New York State. The agency reports a 95% customer retention rate and cites 100+ years of combined industry expertise across its three legacy brands (Concord, Glanton & Associates, Edward F. Kelly Agency), with ownership concentrated in three partners: Tom Glanton, Shavonne Glanton-Smith, and Sean T. Kelly.

The agency monetizes primarily through carrier commissions on placed and renewed policies (transaction-fee model) supplemented by insurance services such as policy reviews, claims advocacy, surety bonding, loss control, and online DMV/defensive driving classes. GTM is sales-led and relationship-based: licensed agents consult with customers, shop across multiple carriers, and provide ongoing service via phone, email, in-person, and an online quote request form. The underlying technology is a standard insurance agency operations stack with CRM and carrier connectivity for policy management, billing, and claims processing; no proprietary technology, AI/ML capabilities, or data flywheel is disclosed. Distribution is concentrated in a single New York State office, with a customer mix weighted toward individual households and SMBs and a recurring, distributed book of business that has produced multi-decade client relationships.

Name

Concord Insurance Agency

Legal name

Concord Insurance Agency, LLC

Website

https://concord-ins.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Concord Insurance Agency is a privately held, independent New York State insurance agency formed in 2002, serving individuals, families, and small-to-medium businesses with personal, commercial, life, health, pet, and long-term care coverage placed across 19+ carriers from a single Ontario, NY office.

Ownership category

akta.pro rank

Headquarters

HQ city

Ontario

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: Earns commissions from insurance carriers for placing and renewing policies. Commission-based revenue model typical of independent insurance agencies.
2. Insurance Services: Professional services including insurance consulting, policy reviews, and claims assistance. Includes supplemental commission and bonus opportunities for agents.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Concord Insurance Agency is an independent insurance agency in Ontario, New York that places and services personal, commercial, life, health, and specialty insurance policies on behalf of more than 19 insurance carriers. The agency consults with individuals, families, and small-to-medium businesses, shops coverage across multiple carriers, and provides ongoing policy service, claims advocacy, and renewal support. Revenue is generated through commissions paid by the insurance carriers for policies placed and renewed.

Product overview

Concord Insurance Agency is a local independent insurance agency servicing clients in New York State, founded in 2002 through the merger of Glanton & Associates (est. 1980) and Edward F. Kelly Agency (est. 1958). Unlike captive agents, they represent multiple insurance companies to offer tailored coverage options. The agency provides Personal Insurance (Home, Auto, Renters, Condo, Umbrella, Boat, Antique Autos, Flood, and Pet Insurance), Business Insurance (Property, General Liability, Workers Compensation, Umbrella, Commercial Auto, Cyber Liability, Professional Liability, and more), Life and Disability Insurance (Term Life, Whole Life, Universal Life, Group Life, NYS Paid Family Leave), Health Insurance (Medical Plans, Prescription Drug, HSA/FSA accounts), and Long Term Care Insurance. Additional services include Online DMV/Defensive Driving Classes for auto insurance discounts, Loss Control Services for business risk management, and billing/claims access through multiple carrier portals. They represent over 19 insurance carriers including Progressive, Safeco, Selective, Travelers, Hanover, Hartford, Liberty Mutual, and others.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Multi-line personal insurance package for individuals and families, including home, auto, renters, condo, umbrella, boat, rental property, recreational vehicles, antique autos, flood, and specialty coverages, sourced across multiple insurance carriers.
• Business Insurance Commercial insurance program for small-to-medium businesses covering property, general liability, workers compensation, umbrella, equipment floater, commercial auto, professional liability/errors and omissions, cyber liability, employment practices liability, directors and officers, and other specialty business coverages.
• Life, Disability Insurance and Paid Family Leave

Quantifiable outcome

• 95% customer retention rate
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration26 records

Partnerships

19 partnerships are on record, tiered core and minor.

• American Collectors InsurancecoreChannel Partner/ Reseller/ DistributorCherry Hill, NJ based insurance carrier specializing in collector vehicle coverage. Concord offers their products to customers seeking specialty auto insurance.
• Andover CompaniescoreChannel Partner/ Reseller/ DistributorAndover, MA based insurance company offering property and casualty coverage. Part of Concord's carrier network for homeowners and business insurance.
• Erie & Niagara InsurancecoreChannel Partner/ Reseller/ DistributorWilliamsville, NY regional insurance carrier. Local carrier relationship serving New York State customers with property and casualty coverage.
• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorCaledonia, MI based insurance carrier offering specialty insurance products including manufactured housing and watercraft coverage.
• Hanover Insurance GroupcoreChannel Partner/ Reseller/ DistributorWorcester, MA based insurance company providing commercial and personal lines coverage. Provides loss control services to Concord customers.
• Hagerty InsurancecoreChannel Partner/ Reseller/ DistributorTraverse City, MI based classic car insurance specialist. Concord offers their collector vehicle insurance products.
• The HartfordcoreChannel Partner/ Reseller/ DistributorHartford, CT based insurance carrier offering commercial lines, workers compensation, and business insurance. Provides loss control services.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorKeene, NH based insurance company offering personal and commercial coverage. Provides mobile app access for policy management.
• Midstate MutualcoreChannel Partner/ Reseller/ DistributorAuburn, NY based mutual insurance company serving New York State. Regional carrier relationship for property coverage.
• National Grange/Main Street America GroupcoreChannel Partner/ Reseller/ DistributorJacksonville, FL based insurance group offering personal and small business coverage. Currently exiting personal lines market - Concord assisting customers with transitions.
• Philadelphia Insurance CompaniescoreChannel Partner/ Reseller/ DistributorBala Cynwyd, PA based commercial lines specialist. Offers business insurance with risk management services.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMayfield Village, OH based insurance company. Personal auto coverage with mobile app integration for Concord customers.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorSeattle, WA based personal lines carrier owned by Liberty Mutual. Mobile app available for policy management. May quote on behalf of Concord for transitioning customers.
• Selective InsurancecoreChannel Partner/ Reseller/ DistributorBranchville, NJ based insurance company offering commercial and personal coverage. Provides mobile app and loss control services.
• Shelter PointcoreChannel Partner/ Reseller/ DistributorGreat Neck, NY based life and disability insurance carrier. Handles NY State Short Term Disability and Paid Family Leave claims. Concord provides claim form support.
• TravelerscoreChannel Partner/ Reseller/ DistributorHartford, CT based insurance company offering personal and commercial coverage. Provides mobile app and risk control services.
• Wayne Cooperative Insurance CocoreChannel Partner/ Reseller/ DistributorClyde, NY based regional cooperative insurance company. Local carrier serving New York State customers.
• CNA SuretyminorChannel Partner/ Reseller/ DistributorChicago, IL based surety bonding company. Concord offers bonding services as part of insurance solutions.
• AmTrust Financial ServicesminorChannel Partner/ Reseller/ DistributorNew York, NY based insurance holding company offering commercial lines coverage.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Risk Strategies Company: Specialty insurance brokerage representing multiple carriers across commercial and personal lines with a strong Northeast presence. Comparable independent agency/brokerage model and carrier-representation approach.
• World Insurance Associates: Independent insurance agency representing multiple carriers across personal, commercial, life, and benefits lines with a Northeast and nationwide footprint. Closely matches Concord's multi-carrier, multi-line independent agency model, albeit at materially larger scale.
• Foundation Risk Partners: Northeast-based insurance brokerage formed by rolling up independent agencies, offering commercial, personal, and employee benefits solutions. Comparable to Concord in regional focus, independent agency DNA, and multi-line book.
• Alera Group: National insurance, employee benefits, and wealth management firm built by aggregating independent agencies across the U.S. Same business model and acquisition-driven growth playbook as Concord, but at much larger scale.
• Hilb Group: Multi-state insurance brokerage that partners with and acquires independent agencies, offering personal, commercial, and benefits products. Highly comparable to Concord as an independent-agency platform with similar carrier-representation model.

Broad incumbents

• Brown & Brown: Large national insurance brokerage offering personal, commercial, and benefits products through independent agency and direct programs. Comparable in business model to Concord but with public-company scale and far broader geographic reach.
• Hub International: Major North American insurance brokerage with a strong Northeast regional presence, placing commercial and personal lines across multiple carriers. Overlapping independent-brokerage model with Concord, but at enterprise scale.
• USI Insurance Services: Large insurance brokerage and consulting firm offering commercial, personal, and employee benefits solutions across multiple carriers. Comparable multi-line, multi-carrier independent broker model, but at national scale.
• Acrisure: One of the largest independent insurance brokerages in the world, representing dozens of carriers across personal, commercial, and specialty lines. Same fundamental independent-broker business model as Concord, but operating at vastly greater scale and geographic breadth.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm serving commercial and personal lines clients through carrier partnerships and direct programs. Operates an independent brokerage model similar to Concord's, but at global, public-company scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/concordinsurance
• LinkedInlinkedin.com/company/concord-insurance
• Xx.com/CONCORDINSURANC

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Concord Insurance Agency