The Insurance Center

What The Insurance Center does

The Insurance Center (legal name: Underwriters, Inc) is an independent insurance agency headquartered at 6 Stony Hill Road, Suite 210, Bethel, Connecticut. Founded in 1925, the firm intermediates personal and commercial insurance products on behalf of multiple carriers, serving Connecticut individuals and businesses across auto, homeowner, life, and commercial lines, with additional specialty coverage in boat, motorcycle, RV, classic car, off-road vehicle, pet, flood, condo, renters, landlord, and umbrella insurance.

The business model is commission-based: the agency places policies with multiple quality insurance carriers and earns commission income at policy issuance and renewal. Its core technology stack is non-proprietary, consisting of standard agency management systems, carrier quoting platforms, and a website used for quote request capture, with a CMS-driven educational blog supporting SEO-driven top-of-funnel lead generation. Pricing is opaque and personalized — customers request quotes online or by phone and the agency compares offerings across carriers, with no public rate cards or tiered pricing.

The agency serves a fragmented customer base of individual consumers and small-to-midsize Connecticut businesses, with no disclosed enterprise clients. Go-to-market is sales-led and localized: walk-in office visits, phone inquiries, and online quote forms, supplemented by content marketing and affiliations with Trusted Choice, NAAIA, Professional Insurance Agents (PIA), and NFCAR. The firm is privately held with no institutional investors, no parent company, no subsidiaries, and no disclosed funding events, operating as a single-location independent agency for nearly a century.

Name

The Insurance Center

Legal name

Underwriters, Inc

Website

https://theinsurancectr.com

Company type

Private

Founded year

1925

Operating status

Operating

Headcount range

11–50 employees

Short description

The Insurance Center (Underwriters, Inc) is an independent insurance agency in Bethel, Connecticut, founded in 1925, placing personal and commercial insurance policies with multiple carriers for Connecticut individuals and businesses and earning commission income.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industry

Full-Coverage Personal Auto Insurance (FSAJAAAF)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance coverage
• Multi-carrier insurance broker
• Connecticut insurance agency

Headquarters

HQ city

Bethel

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 Commissions: The primary revenue source is commissions paid by insurance carriers for policies placed through the agency. As an independent agency, they represent multiple insurance companies and earn commission income when customers purchase or renew insurance policies.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

The Insurance Center is an independent insurance agency that places personal and commercial insurance policies on behalf of customers with multiple carrier partners, earning commissions on new and renewed policies. The firm offers auto, homeowner, life, and business insurance as core products, supplemented by specialty lines such as boat, classic car, motorcycle, RV, off-road vehicle, pet, flood, renters, condo, landlord, umbrella, and workers compensation coverage. Customers access the agency through its Bethel, Connecticut office, by phone, or via website quote-request forms.

Product overview

The Insurance Center is an independent insurance agency offering a comprehensive portfolio of insurance products and services through multiple carrier partnerships. The core product offering includes personal insurance lines (auto, homeowner, life, renters, condo, umbrella) and commercial insurance lines (business, commercial auto, commercial liability, commercial property, commercial umbrella, workers comp). Additional specialty products include boat, classic car, motorcycle, off-road vehicle, pet, RV, flood, landlord protection, and bonds. The agency leverages relationships with multiple quality insurance companies to provide coverage options for any personal or business insurance need, operating as a traditional independent insurance agency model rather than a technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Connecticut auto insurance providing affordable and complete protection for personal vehicles, including liability, collision, and comprehensive coverage, sourced via multi-carrier quote comparison.
• Homeowner Insurance Connecticut homeowners insurance covering dwelling, personal property, liability, and additional living expenses, with agents helping customers obtain coverage at the lowest available rate.
• Life Insurance Affordable Connecticut life insurance options, including term, whole, and universal life policies that can evolve with changing life circumstances.
• Business Insurance Insurance package for Connecticut businesses covering commercial auto, liability, property, umbrella, and workers compensation needs.
• Boat Insurance

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor.

• Trusted ChoiceminorChannel Partner/ Reseller/ DistributorIndependent insurance agency member of Trusted Choice, a network of independent insurance agents. The affiliation provides access to marketing resources, brand recognition, and carrier relationships. The company displays the Trusted Choice pledge and badge on their website.
• National Association of African American Insurance Professionals (NAAIA)minorChannel Partner/ Reseller/ DistributorAgency member of NAAIA, an organization supporting insurance professionals. Membership provides networking opportunities and professional development resources.
• Professional Insurance Agents (PIA)minorChannel Partner/ Reseller/ DistributorAgency member of PIA, a trade association for independent insurance agents. Provides access to industry resources, education, and carrier relationships.
• NFCARminorChannel Partner/ Reseller/ DistributorAgency member of NFCAR (National Flood CAR?), a catastrophe reporting organization for insurance agents handling flood insurance matters.
• AlignableminorChannel Partner/ Reseller/ DistributorAgency maintains a business profile on Alignable, a networking platform for small businesses. Used for referrals and local business networking in the Bethel, Connecticut area.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Fred C. Church Insurance: Regional independent insurance agency serving New England (including Connecticut) with multi-carrier representation across personal, commercial, and employee benefits lines. Directly comparable in geography, independent agency model, and product breadth.
• Starkweather & Shepley Insurance Brokerage: Long-standing New England independent insurance agency offering the same broad personal/commercial/specialty product mix through multi-carrier partnerships. Comparable as a regional independent agency with similar community-anchored positioning.
• World Insurance Associates: Rapidly acquisitive insurance brokerage consolidating independent agencies nationwide. Highly comparable as a roll-up platform acquiring agencies with similar multi-line, multi-carrier profiles — and a likely buyer scenario.
• The Hilb Group: PE-backed insurance brokerage actively acquiring independent agencies across the Mid-Atlantic and Northeast. Operates the same multi-carrier independent agency model — a likely acquirer profile and operational peer for a small agency like The Insurance Center.
• Cross Insurance: A large regional independent insurance agency headquartered in Maine with strong New England presence, including Connecticut. Operates the same multi-carrier, multi-line independent agency model serving personal and commercial clients — directly comparable in business model and geography.

Emerging players

• Lemonade: Digital-first insurance carrier targeting the same personal lines (home, renters, life, pet) that anchor The Insurance Center's book. Represents the insurtech disruption threat to traditional independent agency economics.

Broad incumbents

• USI Insurance Services: Large national insurance brokerage and consulting firm serving mid-market and commercial clients. Overlaps in commercial lines and risk advisory but at far greater scale and with broader capabilities.
• Brown & Brown Insurance: Large national insurance brokerage and agency roll-up with multi-carrier independent agency operations across the U.S. Comparable in core business model but operates at vastly larger scale and geographic breadth.
• Hub International: Major North American insurance brokerage with extensive independent agency operations across the U.S. and Canada. Comparable multi-carrier brokerage model but with national scale and broader product/benefits capabilities.

Others

• Liberty Mutual Insurance: National P&C insurance carrier and one of the likely carrier partners behind The Insurance Center's multi-carrier book. Comparable as a counterparty in the agency's commission-based revenue model rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BTLInsuranceCtr

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 The Insurance Center