What Premier Mountain Insurance does

Premier Mountain Insurance is an independent, family-owned insurance agency founded in October 2019 by Mike Schmisek after 11 years operating a captive Farmers Insurance agency in Colorado. Headquartered at 7991 Shaffer Pkwy, Suite 207 in Littleton, Colorado, the agency represents more than 30 insurance carriers and serves families, individuals, and small-to-mid-size businesses across Jefferson County, Douglas County, and the Denver metropolitan area. The customer base is concentrated in personal lines (auto, home, life, umbrella, recreational vehicles, pet, jewelry) and commercial lines (general liability, workers compensation, commercial auto, property, cyber, E&O, EPLI, builders risk, inland marine, excess liability). The agency specializes in Colorado-specific risk exposures including hail, wind/hail percentage deductibles, wildfire-driven coverage non-renewals, and mountain property insurance, and is authorized to place Colorado FAIR Plan policies for applicants declined by the private market.

The agency operates a sales-led, advice-driven distribution model. Licensed agents gather customer information via phone, online forms, or in-office consultation (typically 20-30 minutes), then compare options across 30+ carrier partners to deliver quotes within 2-4 days. Distribution is hybrid: direct sales through licensed agents supported by online quote request forms, content marketing via a Colorado-focused blog, organic search optimization, and a referral program driven by 200+ five-star reviews across Google, Facebook, and Yelp. Key partnerships include Hagerty (Key Broker since 2021), Foremost Signature / Farmers Insurance Group, The Hartford (AARP program), Nationwide (pet insurance), Jewelers Mutual (jewelry insurance), and the Colorado FAIR Plan (2025). The agency is privately held with no institutional investors or parent company, employs 1-10 staff including the founder and multiple family members, and has no public revenue disclosure. Revenue is generated entirely through carrier commissions on placed policies.

Name

Premier Mountain Insurance

Legal name

Premier Mountain Insurance

Website

https://premiermountaininsurance.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Premier Mountain Insurance is an independent, family-owned insurance agency in Littleton, Colorado that represents more than 30 carriers and serves families and small-to-mid-size businesses across Jefferson County, Douglas County, and the Denver metro area with personal, commercial, life, and specialty insurance products.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Umbrella Insurance (FSAJANAB)

akta.pro secondary industries

Personal Umbrella Insurance (FSAJANAA), Auto Liability Umbrella / Excess (FSAJANAK)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal lines insurance
• Multi-carrier insurance quotes
• Colorado insurance services

Headquarters

HQ city

Littleton

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 Commission Revenue: As an independent insurance agency, Premier Mountain Insurance earns commissions from insurance carriers for policies placed. The agency represents more than 30 insurance carriers, earning commissions on home, auto, business, and other insurance products sold.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Premier Mountain Insurance is an independent, family-owned insurance agency that places personal and commercial insurance policies on behalf of clients across Jefferson County, Douglas County, and the Denver metro area in Colorado. The agency represents more than 30 insurance carriers, comparing coverage and pricing across carriers to deliver home, auto, business, life, recreational vehicle, and specialty insurance products such as classic car, jewelry, pet, and state-backed FAIR Plan policies.

Product overview

Premier Mountain Insurance is an independent insurance agency that operates as a multi-product insurance brokerage rather than a unified software platform. The agency offers a comprehensive portfolio organized into personal lines (auto, home, life, umbrella, toy/recreational vehicles, and pet insurance) and commercial lines (general liability, property, workers compensation, cyber, E&O, builders risk, commercial auto, and umbrella insurance). The agency represents 30+ insurance carriers, enabling them to compare coverage options across multiple providers. Key partnerships include Hagerty (classic car insurance with Key Broker status since 2021), Nationwide (pet insurance), Jewelers Mutual (jewelry appraisals), Foremost Signature (Farmers Insurance Group personal lines), The Hartford (AARP member program), and the Colorado FAIR Plan (state-backed coverage). The agency provides digital tools including a reconstruction cost estimator and online quote request forms for personal, commercial, and life insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Personal auto insurance for Colorado drivers including liability, comprehensive, collision, glass, rental car reimbursement, towing and roadside assistance, and uninsured motorist coverage, sourced through comparative shopping across 30+ carriers.
• Classic Car Insurance Specialized insurance for classic and collector vehicles, offered through the agency's Hagerty Key Broker partnership for Colorado owners.
• Commercial Auto Insurance Vehicle insurance for company cars, trucks, and fleets used in business operations across Jefferson County, Douglas County, and the Denver metro.
• General Liability Insurance Coverage protecting businesses from third-party bodily injury, property damage, and personal injury claims, placed across the agency's 30+ carrier partners.
• Workers Compensation Insurance Coverage for workplace injuries and illnesses protecting both employers and employees, sourced from multiple carriers.
• Cyber Insurance Coverage protecting businesses from cyber risks, data breaches, and network security threats.
• Builders Risk Insurance Coverage for construction projects protecting against property damage during the building process.
• Errors and Omissions (E&O) Insurance Professional liability coverage protecting businesses from claims of negligence or inadequate work.
• Employment Practice Liability Insurance (EPLI) Coverage protecting employers against employee claims of discrimination, harassment, and wrongful termination.
• Commercial Property Insurance Coverage for commercial buildings, equipment, inventory, and business assets against property damage.
• Commercial Umbrella Insurance Excess liability coverage providing additional protection above standard commercial policy limits.
• Inland Marine Insurance Coverage for goods and equipment in transit or stored at temporary locations.
• Colorado Home Insurance Homeowners insurance for owner-occupied homes, condos (HO6), high-value homes, flood, and landlord policies in the Denver metro area.
• Short Term Rental Insurance (VRBO and Airbnb) Vacation rental insurance for properties rented through VRBO, Airbnb, and similar platforms, covering short-term rental exposure, liability, and loss of rental income.
• Colorado FAIR Plan Policies State-backed essential property coverage for Colorado homeowners and businesses who cannot obtain coverage in the private market.
• Personal Umbrella Policies Additional liability coverage providing excess protection above auto and home insurance limits for individuals.
• Toy Insurance (ATV, Boat, Motorcycle, RV, Snowmobile) Recreational vehicle insurance covering ATVs, boats and watercraft, motorcycles, RVs, and snowmobiles for Colorado owners.
• Jewelry Insurance Coverage for jewelry with faster, more convenient digital appraisals through the Jewelers Mutual partnership.
• Pet Insurance Affordable, flexible pet insurance coverage offered through the Nationwide partnership.
• Life Insurance Term life insurance and long-term care coverage, including hybrid policies combining life insurance with long-term care riders.
• AARP Auto and Home Insurance Program (The Hartford) Auto and home insurance program exclusively for AARP members, offered through the agency's Hartford partnership.
• Foremost Signature Insurance Personal lines insurance brand backed by Farmers Insurance Group, providing comprehensive and competitively priced coverage for Colorado clients.
• Wind and Hail Insurance with Deductible Buy-Down Specialized coverage addressing Colorado hail-country risks, including deductible buy-down options that reduce percentage wind and hail deductibles.

Quantifiable outcome

• Saved policyholder over $1,600 on home and auto insurance
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor, major and core.

• Nationwide (Pet Insurance)minorChannel Partner/ Reseller/ Distributor · 22 July 2025Premier Mountain Insurance partners with Nationwide to offer affordable, flexible pet insurance coverage that helps protect pets and their owners' wallets.
• Foremost Signature (Farmers Insurance Group)majorChannel Partner/ Reseller/ Distributor · 28 June 2025Premier Mountain Insurance was officially appointed with Foremost Signature, a premier personal lines insurance brand backed by the strength and stability of the Farmers Insurance Group. This partnership provides Colorado clients access to comprehensive and competitively priced personal lines coverage.
• Colorado FAIR PlancoreTechnology or Integration · 23 May 2025Premier Mountain Insurance is officially authorized to sell policies under the Colorado FAIR Plan, a state-backed insurance program providing essential property coverage to homeowners and businesses who cannot obtain coverage in the private market. This partnership enables the agency to serve customers in high-risk areas who have been declined by other carriers.
• The HartfordmajorChannel Partner/ Reseller/ Distributor · 28 April 2025Premier Mountain Insurance is officially authorized to offer The Hartford's AARP Auto and Home Insurance Program to qualifying AARP members across Colorado. The Hartford is a trusted insurance leader founded in 1810, offering additional product lines for commercial clients and personal lines for seniors.
• HagertycoreChannel Partner/ Reseller/ Distributor · 29 May 2021Premier Mountain Insurance holds Key Broker status with Hagerty, a distinction held since 2021. This exclusive designation reflects deep commitment to excellence in classic and collector car insurance. As a Key Broker, the agency can offer Hagerty's specialized classic car insurance products to Colorado customers.
• Insurance Producers NetworkminorOthersPremier Mountain Insurance is a member of the Insurance Producers Network, an industry association providing resources, networking, and professional development for insurance producers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• The Mahoney Group: Regional independent insurance agency offering personal, commercial, and benefits coverage across multiple carriers. Comparable in founder/family ownership, multi-carrier panel structure, and emphasis on localized service for a specific U.S. region.
• LeConte Insurance Agency: Independent insurance agency offering personal and commercial lines via multiple carrier partnerships. Closely comparable in size, multi-line product breadth, and sales-led distribution model serving a regional U.S. market.
• Brightway Insurance: Independent insurance agency franchise representing multiple carriers for home, auto, and business coverage. Directly comparable business model (multi-carrier brokerage generating commission revenue) and similar customer segments, though distributed via a franchise system rather than a single office.
• Foundation Insurance Group: Independent insurance agency with multi-carrier partnerships for home, auto, and business coverage. Closely comparable in size, multi-line product mix, and channel-partner relationships with major carriers.
• Goosehead Insurance: Public independent insurance agency franchise that compares multiple carriers for personal and commercial lines. Shares the same comparative-shopping model, multi-carrier panel, and founder-led growth playbook, but operates at significantly larger scale with a franchise distribution model.
• Allen & Associates Insurance: Independent insurance agency offering personal and commercial coverage through multiple carrier partners. Comparable in scale, multi-carrier independent model, and regional U.S. market focus on small businesses and families.
• Heffernan Insurance Brokers: Independent insurance brokerage providing personal and commercial coverage with multi-carrier access. Comparable in independent brokerage model and commercial lines focus, though larger and more commercially weighted than Premier Mountain.

Broad incumbents

• Integrity Marketing Group: Large independent insurance marketing organization that partners with and acquires independent agencies. Comparable as a leading platform for multi-carrier independent distribution, but operates at vastly larger scale and provides back-office infrastructure Premier Mountain does not.
• Brown & Brown Insurance: Large publicly traded insurance brokerage operating across personal and commercial lines. Comparable in independent brokerage model and commercial lines focus, but vastly larger and operates nationally with extensive M&A-driven rollup strategy.
• Leavitt Group: National network of independent insurance agencies providing personal, commercial, and benefits coverage. Comparable as a multi-carrier independent agency network, though larger and structured as a partnership/network rather than a single agency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/schmisek
• LinkedInlinkedin.com/in/mike-schmisek
• Xx.com/PremMountainIns

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Premier Mountain Insurance