KIG

What KIG does

Kocman Insurance Group (KIG) is a privately held, family-owned independent insurance agency founded in 1983 and headquartered in York, Pennsylvania. The agency distributes both commercial and personal insurance products on behalf of 50+ carrier partners including Chubb, Travelers, Liberty Mutual, The Hartford, Nationwide, Progressive, Capital Blue Cross, and Highmark, serving small-to-medium businesses and individual consumers across South Central Pennsylvania (York, Lancaster, and Harrisburg markets). Commercial offerings include Business Owners Policy, General Liability, Professional Liability, Workers' Compensation, Commercial Auto, Group Health, Commercial Umbrella, Cyber, Bonds, EPLI, and Builder's Risk. Personal lines include Homeowners, Auto, Renters, Flood, Motorcycle, and Personal Umbrella coverage.

The business operates on a standard independent insurance agency model rather than a technology platform: there is no proprietary software, no public API, no SDK, and no disclosed AI/ML capability. The technology stack consists of the agency's WordPress-based website with a quote request form, Facebook and Instagram social profiles, and the carrier-provided rating and policy administration platforms typical of the U.S. independent agency channel. Lead generation is supported by an educational blog covering commercial and personal insurance topics, with funnel conversion handled via phone, email, and online quote forms.

KIG generates revenue primarily through carrier commissions on placed and renewed policies, with billing handled on monthly carrier cycles. Pricing is quote-based and varies by carrier underwriting; the agency does not publicly disclose pricing or financials. Ownership is concentrated in the Kocman family — Rudy Kocman as President/Principal, Pam Kocman as VP/Principal, with next-generation family members Nick Kocman (Commercial Account Manager) and Isabelle Kocman (Administration and Marketing) — alongside a small management and producer team. There is no evidence of external investors, parent company affiliation, or subsidiary structure.

Name

KIG

Legal name

Kocman Insurance Group

Website

https://kigyork.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Kocman Insurance Group (KIG) is a family-owned independent insurance agency in York, Pennsylvania, distributing commercial and personal insurance policies through 50+ carrier partnerships to SMBs and individuals in South Central Pennsylvania.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Commercial insurance brokerage
• Independent insurance agency
• Personal lines insurance
• Workers compensation coverage
• Business owners policy

Headquarters

HQ city

York

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, KIG earns commissions from insurance carriers for policies placed and renewed. Commissions are typically a percentage of premium paid by customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

KIG (Kocman Insurance Group) is an independent insurance agency that places and services commercial and personal insurance policies on behalf of customers by comparing coverage options across more than 50 insurance carriers. Commercial lines include Business Owners Policy, General Liability, Professional Liability, Workers Compensation, Commercial Auto, Group Health, Commercial Umbrella, Cyber, Bond, EPLI, and Builder's Risk. Personal lines include Homeowners, Auto, Renters, Flood, Motorcycle, and Personal Umbrella.

Product overview

KIG (Kocman Insurance Group) is an independent insurance agency offering a portfolio of commercial and personal insurance products. The commercial offerings include Business Owners Policy (BOP) as the foundational bundled package, supplemented by General Liability, Professional Liability, Workers' Compensation, Commercial Auto, Group Health Insurance, Commercial Umbrella, Cyber Insurance, Bond Insurance, EPLI, and Builder's Risk Insurance. Personal lines include Homeowners, Auto, Renters, Flood, and Motorcycle Insurance, with Personal Umbrella coverage. Umbrella policies serve as add-on modules providing excess liability protection. The agency operates as a local independent agency representing multiple insurance carriers, not as a technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Owners Policy (BOP) Bundled insurance package for small business owners combining general liability and commercial property protection with customizable coverage options, starting point for commercial coverage design.
• General Liability Insurance
• Professional Liability Insurance
• Workers' Compensation Insurance
• Commercial Auto Insurance
• Group Health Insurance
• Cyber Insurance
• Bond Insurance
• Employment Practices Liability Insurance (EPLI)
• Builder's Risk Insurance
• Homeowners Insurance
• Auto Insurance
• Renters Insurance
• Flood Insurance
• Motorcycle Insurance

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

47 partnerships are on record, tiered minor.

• AcuityminorOthersInsurance carrier partner providing commercial and personal insurance products through KIG agency.
• American Strategic InsuranceminorOthersInsurance carrier partner providing personal and commercial insurance products.
• AmTrust FinancialminorOthersInsurance carrier partner for specialty insurance products.
• AssurantminorOthersInsurance carrier partner providing specialty insurance solutions.
• Atlantic Specialty LinesminorOthersWholesale specialty lines insurance partner.
• Berkley Mid-Atlantic GroupminorOthersRegional insurance carrier partner for mid-Atlantic markets.
• Capital Blue CrossminorOthersHealth insurance carrier partner for group health insurance products.
• ChubbminorOthersLarge commercial and personal insurance carrier partner.
• CNAminorOthersCommercial insurance carrier partner for business coverage.
• CRC GroupminorOthersWholesale and specialty insurance partner.
• DairylandminorOthersAuto and motorcycle insurance carrier partner.
• Donegal Insurance GroupminorOthersRegional mutual insurance carrier partner.
• Eastern AllianceminorOthersWorkers compensation insurance carrier partner.
• EMC InsuranceminorOthersCommercial insurance carrier partner.
• EncompassminorOthersPersonal insurance carrier partner.
• Farmers' and Mechanics'minorOthersRegional mutual insurance carrier partner.
• Foremost Insurance GroupminorOthersSpecialty insurance carrier partner for various products.
• GeisingerminorOthersHealth insurance carrier partner for group health products.
• Berkshire Hathaway GUARDminorOthersInsurance carrier partner under Berkshire Hathaway umbrella.
• HagertyminorOthersClassic car and collector vehicle insurance partner.
• Harford MutualminorOthersRegional mutual insurance carrier partner.
• HighmarkminorOthersHealth insurance carrier partner for group benefits.
• Keystone National Insurance CompanyminorOthersRegional insurance carrier partner.
• Lackawanna Insurance GroupminorOthersRegional insurance carrier partner.
• Liberty MutualminorOthersMajor insurance carrier partner for commercial and personal products.
• Lititz MutualminorOthersRegional mutual insurance carrier partner.
• Livingston Mutual Insurance CompanyminorOthersRegional mutual insurance carrier partner.
• MarkelminorOthersInsurance carrier partner for specialty and excess products.
• Millers MutualminorOthersRegional mutual insurance carrier partner.
• National GeneralminorOthersAuto, home, and health insurance carrier partner.
• NationwideminorOthersMajor insurance carrier partner for commercial and personal lines.
• Penn National InsuranceminorOthersRegional insurance carrier partner serving Pennsylvania markets.
• Philadelphia Insurance CompaniesminorOthersSpecialty insurance carrier partner for various commercial lines.
• Plymouth Rock AssuranceminorOthersAuto insurance carrier partner.
• ProgressiveminorOthersMajor auto and commercial insurance carrier partner.
• QBEminorOthersGlobal insurance carrier partner for commercial products.
• RockwoodminorOthersInsurance carrier partner for various specialty lines.
• Safeco InsuranceminorOthersPersonal insurance carrier partner.
• Secura Insurance CompaniesminorOthersRegional insurance carrier partner.
• SelectiveminorOthersCommercial insurance carrier partner.
• The HartfordminorOthersMajor insurance carrier partner for business and personal products.
• TravelersminorOthersMajor insurance carrier partner for commercial and personal lines.
• Tuscano AgencyminorOthersInsurance agency partner.
• Tuscarora Wayne Insurance CompanyminorOthersRegional mutual insurance carrier partner.
• Utica National Insurance GroupminorOthersInsurance carrier partner for commercial and professional products.
• Westfield InsuranceminorOthersCommercial insurance carrier partner.
• The ZenithminorOthersInsurance carrier partner for specialty products.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Heffernan Insurance Brokers: Mid-size independent insurance brokerage providing commercial and personal lines across multiple U.S. regions. Comparable independent-broker model with multi-carrier appointments.
• HBK Insurance Group: Multi-line independent insurance brokerage offering commercial and personal coverage across the Mid-Atlantic and Midwest. Comparable independent-broker model and regional footprint.
• Glatfelter Insurance Group: Pennsylvania-based independent insurance agency serving commercial and personal lines across the Mid-Atlantic. Closest comparable by geography, scale, and independent-agency business model.
• Kapnick Insurance Group: Mid-size independent insurance agency serving commercial and personal clients across the Midwest. Same independent-broker business model with multi-carrier appointments.
• Leavitt Group: National network of independent insurance agencies offering commercial and personal lines through multiple carrier partners. Highly comparable independent-agency model with similar producer-driven distribution.
• The IMA Group: Independent insurance broker providing commercial, personal, and benefits solutions across multiple regions. Comparable independent-agency distribution with broad carrier panel.

Regional players

• Tuscarora Wayne Insurance Company: Regional mutual carrier that is one of KIG's listed carrier partners; relevant peer for understanding carrier-side dynamics in KIG's footprint.

Broad incumbents

• Erie Insurance: Major Pennsylvania-headquartered P&C insurer that distributes heavily through independent agents in the Mid-Atlantic; competes for the same households and SMBs KIG serves.
• Insurance Office of America: Larger independent insurance agency offering commercial, personal, and employee benefits across the U.S. Same independent-agency channel and carrier-broker model, but at materially greater scale.
• Penn National Insurance: Pennsylvania-based regional insurance carrier that KIG partners with; comparable in geography and customer base but operates as a carrier, not an agency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/kocmaninsurancegroup
• Instagraminstagram.com/kig_york
• Xx.com/KocmanKunkle

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 KIG