Almeida & Carlson Insurance Agency

What Almeida & Carlson Insurance Agency does

Almeida & Carlson Insurance Agency is an independent, family-owned insurance agency founded in 1976, headquartered in Sandwich, Massachusetts with two additional offices in Plymouth and Falmouth. The agency serves individuals, families, and businesses across Southeastern Massachusetts and Cape Cod through a multiple-lines distribution model spanning personal, commercial, and marine insurance. It functions as an independent broker representing a curated panel of 16+ insurance carriers — including national players (Travelers, Chubb, Progressive, The Hartford, Mapfre, Hagerty, Grundy, RLI, USLI) and regional carriers (Arbella, Barnstable County Mutual, Plymouth Rock, Norfolk & Dedham) — to provide multi-carrier quoting and competitive placement.

The product portfolio covers personal lines (auto, homeowners, flood, antique auto, motorcycle, condo, renters, umbrella, inland marine, dwelling fire, recreational vehicles), commercial lines (commercial auto, business owner policy, general liability, workers compensation, professional liability, liquor liability, commercial umbrella, home-based business, plus specialty coverages including D&O, builders risk, surety bonds, and event insurance), and marine lines (boat/yacht, personal watercraft, commercial marina and yacht club packages, marine artisan). Technology infrastructure is limited to the Applied Epic agency management system for policy administration; there is no proprietary platform, no API, no mobile application, and no disclosed AI/ML capabilities. Distribution is local and relationship-driven through three physical offices, phone and email service, and website quote requests, supported by Chamber of Commerce memberships and BBB accreditation.

The business model is commission-based: the agency earns carrier commissions on policies placed, with no subscription or fee-for-service revenue disclosed. Pricing is risk-adjusted, quote-based, and not publicly disclosed, with annual billing cadence. The agency is currently hiring for customer service representatives in personal and commercial lines, consistent with steady incremental capacity build-out. Ownership remains with the Almeida family — Shawn Almeida serves as Owner/President — with no external investors, no private equity backing, and no parent company affiliation.

Name

Almeida & Carlson Insurance Agency

Legal name

Almeida & Carlson Insurance Agency

Website

https://almeidacarlson.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

11–50 employees

Short description

Independent, family-owned insurance agency founded in 1976 serving individuals, businesses, and marine customers across Southeastern Massachusetts and Cape Cod through three offices and a panel of 16+ carriers.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial lines insurance
• Marine insurance
• Insurance brokerage services

Headquarters

HQ city

Sandwich

HQ country

United States

HQ region

North America

Offices3 records

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: As an independent insurance agency, Almeida & Carlson earns commissions from insurance carriers for policies placed. They represent multiple insurance companies and earn revenue through commissions on personal, commercial, and marine insurance policies sold to individuals and businesses.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Almeida & Carlson Insurance Agency is an independent, family-owned insurance brokerage that places personal, commercial, and marine insurance policies on behalf of individuals and businesses throughout Southeastern Massachusetts and Cape Cod. The agency represents more than 15 insurance carriers, providing customers with quote comparison, policy review, and claims assistance across auto, home, umbrella, marine, business owner, workers compensation, and specialty coverage products.

Product overview

Almeida & Carlson Insurance Agency is an independent insurance agency established in 1976 serving individuals and businesses throughout Southeastern Massachusetts and Cape Cod. The agency operates as a multiple-lines insurance agency offering a comprehensive portfolio of personal, commercial, and marine insurance products. Their product portfolio includes personal lines (auto, homeowners, flood, antique auto, motorcycle, renters, condo, umbrella, inland marine, dwelling fire, and recreational vehicles), commercial lines (commercial auto, business property, general liability, business owner policies/BOP, workers compensation, professional liability, liquor liability, home-based business, umbrella, and specialized coverages like directors & officers, builders risk, bonds, event insurance), and marine insurance (boat/yacht, personal watercraft/Jet Ski). The agency functions as an independent broker representing multiple insurance carriers, providing quotes, policy changes, and claims assistance across their entire product range.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance
• Homeowners Insurance
• Flood Insurance
• Antique Auto Insurance
• Commercial Auto Insurance
• Commercial & Business Property Insurance
• General Liability Insurance
• Business Owner Insurance (BOP)
• Workers Compensation Insurance
• Professional Liability Insurance
• Liquor Liability Insurance
• Watercraft (Boat & Yacht) Insurance
• Personal Watercraft (Jet Ski) Insurance
• Personal Umbrella Insurance
• Commercial Umbrella Insurance
• Condo Unit Owners Insurance (HO-6)
• Motorcycle Insurance
• Mobile & Modular Home Insurance
• Renters/Tenants Insurance
• Inland Marine Insurance
• Dwelling Fire Insurance
• Recreational Vehicles Insurance
• Home Based Business Insurance

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

16 partnerships are on record, tiered core.

• Andover CompaniescoreChannel Partner/ Reseller/ DistributorInsurance carrier representing personal and commercial lines coverage options available through the agency.
• USLIcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options for customers.
• RLIcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing specialty coverage options.
• Hagerty InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier partner for classic and collector vehicle coverage.
• Grundy InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for specialty coverage including classic vehicles.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner providing auto and other personal lines coverage.
• Mapfre InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal and commercial coverage.
• Barnstable County Mutual InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner serving the Cape Cod area.
• The HartfordcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing business and personal coverage.
• ArbellacoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner serving Massachusetts customers.
• Plymouth RockcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner providing auto and home coverage.
• Intact InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing specialty and commercial coverage.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner providing comprehensive coverage options.
• Norfolk & Dedham GroupcoreChannel Partner/ Reseller/ DistributorRegional Massachusetts insurance carrier partner.
• ChubbcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing marine coverage options.
• MarkelcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and specialty coverage.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Regional players

• Norfolk & Dedham Group: Massachusetts-based mutual insurance group and carrier partner of Almeida & Carlson offering personal and commercial lines. Comparable in regional Massachusetts/New England scope but functions as a carrier/underwriter rather than an independent agency.

Broad incumbents

• Brown & Brown: NYSE-listed insurance intermediary (BRO) operating across retail, commercial, and specialty lines via independent agency subsidiaries. Same multi-line independent agency business model at much larger scale, with a strong roll-up acquisition history.
• Arthur J. Gallagher & Co. Global, publicly traded insurance brokerage and risk management firm (NYSE: AJG) with retail agency, commercial, and specialty operations including marine. Overlaps substantially in product mix but spans enterprise, not just retail, customers.
• Hub International: Top-10 North American insurance brokerage offering personal, commercial, and specialty lines through owned and partner independent agencies. Overlaps with Almeida & Carlson across all major product lines but operates at vastly greater scale.

Direct peers

• Cross Insurance: Family-owned, New England-based independent insurance agency (personal, commercial, marine, employee benefits) with multiple physical offices; closely mirrors Almeida & Carlson's regional, family-owned, multi-line independent model.
• Alera Group: PE-backed Top-20 US insurance agency aggregator that consolidates independent retail agencies (personal, commercial, and specialty lines). Operates as a multi-carrier independent agency platform, directly comparable in business model and product mix to Almeida & Carlson, just at greater scale.
• Acrisure: One of the fastest-growing US insurance brokerage aggregators, built on rolling up independent agencies (personal, commercial, specialty). Same independent agency distribution model with multi-carrier representation and many specialty niches, including marine.
• The Hilb Group: PE-backed Northeast-focused insurance brokerage aggregator acquiring independent personal and commercial agencies. Closely comparable in geographic profile (Northeast US), carrier-representation model, and product breadth.
• World Insurance Associates: PE-backed acquirer of mid-market independent insurance agencies (personal, commercial, and specialty lines). Identical independent-agency roll-up playbook to the path Almeida & Carlson would likely fit, with concentration in the Northeast US.
• Foundation Risk Partners: PE-backed insurance agency platform acquiring independent retail and specialty agencies (commercial, personal, professional lines). Same multi-line independent agency DNA with a Northeastern footprint and emphasis on specialty carrier appointments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AlmeidaCarlson
• LinkedInlinkedin.com/company/2369728

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Almeida & Carlson Insurance Agency