J.D. Chapman Agency

What J.D. Chapman Agency does

J.D. Chapman Agency, Inc. is an independent insurance agency founded in 1958 and headquartered in Macedon, New York, with a second office in Canandaigua, New York. The agency operates as a commission-based intermediary, representing more than 20 top-rated insurance carriers to provide personal and commercial insurance products to individuals, families, and small-to-mid-size businesses across the Greater Rochester and Finger Lakes Regions of New York State. Personal lines include homeowners, auto, life, umbrella, flood, motorcycle, renters, and watercraft coverage, while commercial lines include Business Owners Policy (BOP), general liability, commercial auto, commercial property, workers' compensation, bonds, professional liability, employment practices liability, and specialized products such as cannabis and non-emergency medical transport insurance.

The business model is straightforward: the agency earns commissions from insurance carriers for placing and renewing policies, with no proprietary technology platform, API, or AI-driven features. Revenue is generated through agent-driven sales conducted at two physical office locations and via website quote request forms. The marketing mix includes a content-driven website with educational blog content, the "Is It Covered?" podcast hosted by Bruce and Brian Chapman, and social media presence across Facebook, LinkedIn, and YouTube. The agency is family-owned, with Bruce Chapman serving as President and Trevor Chapman as Vice President, with Brian Chapman joining as a producer.

The company possesses no proprietary technology assets; its competitive position is built on long-tenured customer relationships, the breadth of carrier representation, and local brand recognition earned over 65+ years of continuous operation. The customer base is predominantly SMB and individual consumers, with documented multi-decade retention and bundled multi-line coverage patterns. The agency does not appear to have raised external funding, pursued acquisitions, or expanded beyond New York State.

Name

J.D. Chapman Agency

Legal name

J.D. Chapman Agency, Inc.

Website

https://jdchapmaninc.com

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

11–50 employees

Short description

J.D. Chapman Agency is a family-owned independent insurance agency in Macedon and Canandaigua, NY, representing 20+ top-rated carriers to provide personal and commercial insurance coverage to individuals, families, and small-to-mid-size businesses across the Greater Rochester and Finger Lakes Regions of New York State.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAA

Retail (Personal Lines) Insurance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance brokerage
• Multi-carrier insurance agent
• New York insurance services

Headquarters

HQ city

Macedon

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commission Revenue: J.D. Chapman Agency operates as an independent insurance agency earning commissions from insurance carriers for placing policy coverage. As stated on their website, they work with more than 20 top-rated insurance companies to provide customers with insurance protection at competitive prices. Revenue is generated through commissions paid by insurance carriers on policy placements and renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

J.D. Chapman Agency is an independent insurance agency that places personal and commercial insurance coverage on behalf of customers by working with more than 20 top-rated insurance carriers. The agency offers personal lines including auto, homeowners, life, umbrella, flood, motorcycle, renters, and other vehicle coverage, and commercial lines including business owners policy, general liability, commercial auto, workers' compensation, bonds, professional liability, commercial property, and specialized products such as cannabis and non-emergency medical transport insurance, supported by in-person consultations at two New York offices and an educational podcast.

Product overview

J.D. Chapman Agency is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency operates as a multi-carrier brokerage representing over 20 insurance companies. Personal insurance offerings include Auto Insurance, Homeowners Insurance, Flood Insurance, Life Insurance (Term Life), Motorcycle Insurance, Renters Insurance, Umbrella Insurance, and Travelers Traverse. Business insurance products include Business Owners Policy (BOP), Bonds, Cannabis Insurance, Commercial Auto Insurance, Commercial Property Insurance, Employment Practices Liability Insurance, General Liability Insurance, Non-Emergency Medical Transport Insurance, Professional Liability Insurance, and Workers' Compensation. The agency also produces the 'Is It Covered?' podcast as an educational resource. The product portfolio follows a traditional insurance agency model with no SaaS platform, API products, or AI-powered features.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal lines insurance coverage for individuals including Homeowners, Auto, Individual Life, Umbrella, and other personal policies, placed across more than 20 top-rated insurance carriers for customers in New York State.
• Auto Insurance
• Homeowners Insurance
• Flood Insurance
• Life Insurance (Term Life)
• Motorcycle Insurance
• Renters Insurance
• Umbrella Insurance
• Travelers Traverse
• Business Insurance
• Bonds
• Business Owners Policy (BOP)
• Cannabis Insurance
• Commercial Auto Insurance
• Commercial Property Insurance
• Employment Practices Liability Insurance
• General Liability Insurance
• Non-Emergency Medical Transport Insurance
• Professional Liability Insurance
• Workers' Compensation

Named customers4 records

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

One partnership is on record.

• 20+ Insurance CarrierscoreChannel Partner/ Reseller/ DistributorJ.D. Chapman Agency operates as an independent insurance agency representing more than 20 top-rated insurance companies. These carrier partnerships form the core of the business model, allowing the agency to offer customers multiple coverage options and competitive pricing by acting as a distribution channel for insurance products. The agency earns commissions from these carriers for policies placed and renewed.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Marshall & Sterling: Upstate New York-based independent insurance agency and brokerage offering personal and commercial insurance across multiple offices. Highly comparable to J.D. Chapman as a multi-carrier independent agency serving NY regional markets with similar product breadth.
• Lawley Insurance: Independent insurance agency headquartered in Buffalo, NY, providing personal, commercial, and employee benefits coverage across New York State. Direct competitor with similar multi-carrier brokerage model and NY regional footprint.
• The Harry Warren Insurance Agency: Long-standing independent insurance agency in the Rochester/Finger Lakes region of New York offering personal and commercial lines. Closely comparable geographic and product overlap with J.D. Chapman's market.
• Tully Insurance Agency: Independent insurance agency serving Central and Upstate New York with personal and commercial coverage. Comparable independent agency model and regional NY focus.

Broad incumbents

• The Hilb Group: Larger multi-state insurance brokerage and risk management firm with agency operations across the Northeast. Comparable product portfolio but with significantly greater scale and geographic reach than J.D. Chapman.
• USI Insurance Services: Large national insurance brokerage with significant Northeast presence. Competes for the same commercial insurance clients as J.D. Chapman but offers broader risk management, employee benefits, and consulting capabilities.
• State Farm: Largest U.S. personal lines insurer with captive agent distribution competing for the same personal insurance customers in Upstate New York. Indirect competitor via exclusive agent model versus J.D. Chapman's independent model.
• Nationwide: Major national insurance carrier with strong agent distribution in New York. Competes for personal and small commercial insurance customers in the same Rochester/Finger Lakes market.

Emerging players

• Lemonade: Digital-first insurtech offering renters, homeowners, auto, and pet insurance directly to consumers. Represents the disruption threat to traditional independent agencies like J.D. Chapman, particularly for younger demographics.
• Policygenius: Online insurance marketplace and brokerage platform enabling consumers to compare and purchase life, home, auto, and disability insurance digitally. Direct competitive threat to J.D. Chapman's customer acquisition funnel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@JDChapmanAgencyInc
• Facebookfacebook.com/JD-Chapman-Agency-Inc-478231075535741
• LinkedInlinkedin.com/company/jd-chapman-agency-inc

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 J.D. Chapman Agency