America One
America One of Lansing is a privately held, independent insurance agency in Okemos, Michigan, distributing personal, commercial, agricultural, life, and health products from 15+ premier carriers to individuals, businesses, and farm owners in the Mid-Michigan region.
- Company typePrivate
- Founded1976
- HeadquartersOkemos, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What America One does
America One of Lansing, Inc. is a privately held, independent insurance agency located at 2380 Science Pkwy, Okemos, Michigan, operating as a franchise within the America One, Inc. network of 15 independent insurance agencies across the state. The agency was established in 1976 and is co-owned by Tom Messner and Brenda Edinger, who together bring more than 60 years of insurance experience and hold CPCU, ARM, and multi-line licensing credentials. The firm is staffed by approximately 4-5 people, including two co-owners, one sales producer, and one administrative/marketing coordinator.
The agency distributes personal, commercial, agricultural, life, and health insurance products sourced from 15+ premier carriers, including Allied, Bristol West, CNA, Encompass, Foremost, Grange, Guide One, Hagerty, Harleysville Lake States, Hastings Mutual, Markel/FirstComp, Mercury, Progressive, Secura, and Travelers. Its core offering is multi-carrier matching: licensed producers consult with individuals, business owners, and farm/agricultural owners in the Lansing/Mid-Michigan region to identify appropriate coverage combinations across personal lines (auto, home, recreational vehicles, umbrella), commercial lines (general liability, workers compensation, cyber, commercial property, E&O, D&O), and life/health. Service delivery is sales-led and relationship-driven, with no proprietary technology platform; customer-facing systems rely on carrier-provided portals for quoting, claims reporting, premium payment, and account access.
The business model is a standard independent-agency commission model: revenue is earned on initial policy placement and on renewals, with compensation rates set by each carrier based on product line and premium volume. Marketing is primarily referral-based and community-oriented, supported by memberships in five Lansing-area business and civic organizations. Customer mix is long-tail and diversified across consumer, small/mid-market business, and farm segments, with no enterprise anchor accounts disclosed. Tom Messner's concurrent role as President of the parent network, America One, Inc., positions the Lansing franchise within a broader Michigan distribution footprint.
America One firmographics
Firmographics- Name
- America One
- Legal name
- America One of Lansing, Inc.
- Website
- https://americaoneoflansing.com
- Company type
- Private
- Founded year
- 1976
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- America One of Lansing is a privately held, independent insurance agency in Okemos, Michigan, distributing personal, commercial, agricultural, life, and health products from 15+ premier carriers to individuals, businesses, and farm owners in the Mid-Michigan region.
- Ownership category
- akta.pro rank
America One industry classification
Industry- Product category
- Independent Insurance Agency
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurance Program Administration & MGA/MGU Services (FSAEADAK)
- akta.pro secondary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
Keywords
Where America One is headquartered
LocationHeadquarters
- HQ city
- Okemos
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
America One business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Insurance Commissions: The agency earns commissions from insurance carriers when policies are sold and renewed. As an independent agency representing multiple carriers, revenue comes from commissions based on policy premiums written. This is a standard independent insurance agency revenue model.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based insurance products with carrier-specific pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
America One product offering
Product offeringCore offering
America One of Lansing is an independent insurance agency that sells personal, commercial, life, and health insurance products on behalf of multiple premier carriers. The agency matches customers with coverage from carriers such as Allied, CNA, Progressive, Travelers, Foremost, Encompass, Grange, Hagerty, Hastings Mutual, Harleysville Lake States, Markel/FirstComp, Mercury, Bristol West, Secura, and Guide One, advising individuals, businesses, and farm owners throughout Michigan.
Product overview
America One of Lansing is an independent insurance agency offering personal, commercial, life, and health insurance products. They represent multiple insurance carriers and specialize in matching clients with the best coverage options for their individual circumstances. The agency offers Personal Insurance (covering automobiles, homes, recreational vehicles, and personal umbrella), Commercial Insurance (covering business liability, workers compensation, commercial property, and specialized business coverages), and Life & Health Insurance. The agency acts as a franchise of America One, Inc., leveraging its network of 15 independent insurance agencies throughout Michigan to access a wide range of carrier options.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Personal lines insurance coverage for individuals and families in Michigan, including automobiles, classic cars, off-road vehicles, travel trailers and motor homes, motorcycles, personal umbrella, homes and condominiums, rental property, mobile homes, flood and disaster, boats and yachts, and jet skis. Sold through licensed agents on behalf of multiple premier insurance carriers.
- Commercial Insurance Commercial insurance for Michigan business owners, including general liability, cyber liability and technology, workers compensation, commercial umbrella, commercial property, commercial automobiles and vehicles, errors and omissions, executives and directors, employee benefits, inland marine, and farm owners. Sold through licensed agents on behalf of multiple premier insurance carriers.
- Life and Health Insurance Life and health care coverage for individuals and groups, accessed through licensed agents at America One of Lansing connected to premier insurance carriers in the industry. The agency is licensed to provide life and health care coverage alongside its personal and commercial property and casualty lines.
Companies that use America One
Customer profileSegments3 records
Ideal customer profiles3 records
America One technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
America One partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core.
- Allied InsurancecoreAllied Insurance is represented as a carrier partner offering personal lines and commercial lines coverage. Phone: 800-282-1446 (Personal Lines/Claims), 866-322-3214 (Commercial Lines). Website: www.alliedinsurance.com
- Bristol West InsurancecoreBristol West Insurance is a carrier partner for auto insurance. Customer Service: 888-888-0080, Claims: 800-274-7865. Website: www.bristolwest.com
- CNA InsurancecoreCNA Insurance is a major commercial lines carrier partner. Phone: 800-CNA-2000. Website: www.cna.com
- Encompass InsurancecoreEncompass Insurance offers personal insurance products. Customer Service: 800-262-9262, Claims: 800-588-7400. Website: www.encompassinsurance.com
- Foremost InsurancecoreForemost Insurance provides coverage including specialty products. Customer Service: 800-237-6136, Claims: 800-527-3907. Website: www.foremost.com
- Grange InsurancecoreGrange Insurance is a regional carrier partner. Customer Service: 800-422-0550. Website: www.grangeinsurance.com
- Guide One InsurancecoreGuide One Insurance serves as a commercial lines carrier. Phone: 877-448-4331. Website: www.guideone.com
- Hagerty InsurancecoreHagerty Insurance specializes in classic car coverage. Customer Service: 800-762-2628. Website: www.hagerty.com
- Harleysville Lake States InsurancecoreHarleysville Lake States Insurance offers personal and commercial lines. Personal Lines: 800-433-6262, Commercial Lines: 888-547-8547, Claims: 800-892-8877. Website: www.harleysvillegroup.com
- Hastings Mutual InsurancecoreHastings Mutual Insurance is a regional carrier. Customer Service: 800-442-8277. Website: www.hastingsmutual.com
- Markel/FirstCompcoreMarkel/FirstComp provides workers compensation and commercial coverage. Customer Service: 800-431-1270. Website: www.markelinsurance.com
- Mercury InsurancecoreMercury Insurance offers auto and other personal lines coverage. Customer Service/Claims: 800-503-3724. Website: www.mercuryinsurance.com
- Progressive InsurancecoreProgressive Insurance is a major national carrier partner. Phone: 800-776-4737. Website: www.progressive.com
- Secura InsurancecoreSecura Insurance offers personal and commercial coverage. Customer Service: 800-558-3405, Claims: 800-828-7047. Website: www.secura.net
- Travelers InsurancecoreTravelers Insurance is a major commercial and personal lines carrier. Customer Service: 800-328-2189. Website: www.travelers.com
- America One Inc. (Parent Franchise)coreAmerica One of Lansing is a franchise agency of America One Inc., a network of 15 independent insurance agencies throughout Michigan. Tom Messner serves as President of America One Inc.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
America One competitors and assessment
Company assessmentDirect peers
- Keystone Insurers Group: Keystone Insurers Group is an alliance/network of independent insurance agencies sharing carrier access, branding, and back-office support — the closest analog to America One, Inc.'s 15-agency Michigan franchise model. Both operate as franchise-like networks of independent retail brokers.
- Leavitt Group: Leavitt Group is an independent insurance agency network offering personal, commercial, life, and health products across multiple states through partner offices. Like America One, it pairs carrier representation with localized agency delivery.
Broad incumbents
- Acrisure: Acrisure began as a Michigan-based insurance agency and grew into one of the largest insurance brokerage aggregators globally. It directly competes in the same multi-line independent brokerage space, though at vastly greater scale across all 50 states.
- Hub International: Hub International is a large North American insurance brokerage with personal, commercial, life, and benefits practices, operating through a regional office network. Directly comparable agency-brokerage model to America One but at national scale.
- Brown & Brown Insurance: Brown & Brown is a major US insurance brokerage distributing personal, commercial, and specialty lines through regional offices and program business. Same multi-line independent agency model as America One, but publicly traded and national.
- PCF Insurance Services: PCF Insurance is a national insurance brokerage aggregator acquiring and operating independent agencies across commercial, personal, and benefits lines. Represents the same agency-roll-up strategy that a scaled America One network could pursue.
- Marsh McLennan Agency: Marsh McLennan Agency is the middle-market arm of Marsh, providing commercial insurance, employee benefits, and risk advisory through a regional broker model comparable to America One's commercial lines offering.
- World Insurance Associates: World Insurance Associates is an insurance brokerage aggregator offering personal, commercial, and benefits products across multiple states via acquired agencies. Directly comparable aggregation play to America One's network model.
Regional players
- Frankenmuth Insurance: Frankenmuth Insurance is a Michigan-based regional carrier offering personal, commercial, and farm/agricultural lines through independent agents — directly comparable given America One's agricultural book and Michigan-only geography.
- Auto-Owners Insurance: Auto-Owners is a Michigan-headquartered regional property & casualty carrier distributed through independent agents. America One represents competing carriers, but Auto-Owners is a structural competitor for the same Michigan personal/commercial agent channel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
America One social profiles
Digital presenceAmerica One financial estimates
Financial estimateRevenue estimate
Valuation estimate
America One leadership team
Management profileNumber of profiles
Profiles4 records
America One funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
America One M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about America One
What does America One do?
America One of Lansing is an independent insurance agency that sells personal, commercial, life, and health insurance products on behalf of multiple premier carriers. The agency matches customers with coverage from carriers such as Allied, CNA, Progressive, Travelers, Foremost, Encompass, Grange, Hagerty, Hastings Mutual, Harleysville Lake States, Markel/FirstComp, Mercury, Bristol West, Secura, and Guide One, advising individuals, businesses, and farm owners throughout Michigan.
Is America One a public or private company?
America One is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was America One founded?
America One was founded in 1976. It employs 11 to 50 people.
Where is America One based?
America One is headquartered in Okemos, United States, in the North America region.
How does America One make money?
One revenue line is on record: insurance Commissions.
Who are America One's main competitors?
Direct peers on record are Keystone Insurers Group and Leavitt Group. Broad incumbents are Acrisure, Hub International, Brown & Brown Insurance, PCF Insurance Services, Marsh McLennan Agency and World Insurance Associates. Regional players are Frankenmuth Insurance and Auto-Owners Insurance.
Does America One have an API?
No public API is recorded for America One.
What industry is America One in?
America One's product category is Independent Insurance Agency. Its primary akta.pro industry code is FSAEADAK, Insurance Program Administration & MGA/MGU Services, with a secondary code of FSAIAEAL, Individual Health Insurance Brokerage & Distribution. Its NAICS code is 52421 and its SIC code is 6411.