Bowling Insurance Services

What Bowling Insurance Services does

Bowling Insurance Services is a privately held, family-owned independent insurance agency headquartered at 300 Wal Street in Summersville, West Virginia, founded in 2013 by Casey Bowling (Principal Agent/Owner), a WVU graduate and former professional baseball player, and co-owned with Jessica Bowling (Agent/Owner), who holds Series 6/7/63 licenses and prior experience at JPMorgan/Chase and Allstate Financial Services. The agency operates as a multi-carrier distributor, placing personal, commercial, life, and group-benefits coverage with eight carrier partners, of which Erie Insurance is the primary specialization (in business since 1925); other partners include Hagerty, Progressive, Selective Insurance, National General, West Virginia National Auto, Farmers Mutual of West Virginia, and Panhandle Farmers Mutual.

The product catalog spans more than 60 SKUs organized into four core lines: Personal Insurance (auto, home, boat/marine, ATV, collector car, motorcycle, RV, flood, earthquake, renters, condo, mobile home, pet, valuable items, rental property, umbrella, snowmobile, personal watercraft), Business Insurance (BOP, commercial auto/property/umbrella, general liability, workers' compensation, cyber liability, EPLI, D&O, product liability, surety bonds, plus industry-specific packages for contractors, manufacturers, restaurants/bars, hotels/motels, garages, healthcare, technology, farms/agribusiness, vineyards/wineries, wholesalers/distributors, trucking, and builders' risk), Life Insurance (term, universal, whole, fixed annuities, mortgage protection, final expense), and Group Benefits (group life, voluntary benefits, buy/sell protection, 401K/IRA rollovers). Core technology is conventional independent-agency infrastructure with no proprietary systems disclosed; an online Policy Service Center handles billing, claims, certificates, and policy changes.

Revenue is earned on a recurring commission basis from carrier partners on policies placed, with no pricing publicly disclosed and free comparative quotes as the customer acquisition mechanism. Go-to-market combines in-person consultations at the Summersville office, phone-based inside sales, online self-service quote requests, and a Refer-a-Friend referral program, supported by a website, Facebook presence, insurance blog content, customer reviews (41 reviews averaging 5 out of 5 stars), and Summersville Chamber of Commerce membership. The stated value proposition is multi-carrier comparison under the slogan 'Cut your rates, not your coverage,' with a stated emphasis on human service over automation; geographic scope is statewide West Virginia despite the single-office footprint.

Name

Bowling Insurance Services

Legal name

Bowling Insurance Services

Website

https://bowlinginsurancewv.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Bowling Insurance Services is a family-owned independent insurance agency in Summersville, West Virginia, placing auto, home, business, life, and group-benefits coverage with multiple carrier partners (lead partner Erie Insurance) for individuals, families, and small businesses across West Virginia.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Workers’ Compensation for Small Business & Pay-As-You-Go Programs (FSAJAEAG)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance coverage
• Life and annuity products
• Group benefits brokerage

Headquarters

HQ city

Summersville

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: As an independent insurance agency, Bowling Insurance Services earns commissions from insurance carriers for policies placed. They represent multiple insurance companies and offer comparative quotes to find the best coverage at competitive prices for customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Bowling Insurance Services is an independent insurance agency that provides comparative quotes and places personal, business, life, and group benefits insurance policies on behalf of multiple carrier partners for customers across West Virginia. The agency earns commissions from carriers such as Erie Insurance (primary specialization), Progressive, Hagerty, Selective, West Virginia National Auto, Farmers Mutual of West Virginia, National General, and Panhandle Farmers Mutual, while offering free in-person, phone, and online service to individuals, families, and small-to-medium businesses.

Product overview

Bowling Insurance Services is an independent insurance agency based in Summersville, West Virginia, offering comparative insurance quotes from multiple carrier partners. The company provides four core product lines: Personal Insurance (including auto, home, boat, ATV, motorcycle, renters, and specialty coverages), Business Insurance (including general liability, commercial property, workers' compensation, cyber liability, and industry-specific coverages), Life Insurance (including term, universal, whole life, and annuities), and Group Benefits (including group life, voluntary benefits, and 401K/IRA rollovers). The agency serves all of West Virginia through partnerships with carriers including Erie Insurance (primary specialization), Hagerty, Progressive, Selective Insurance, West Virginia National Auto, Farmers Mutual of West Virginia, National General, and Panhandle Farmers Mutual. Customers access services through a Policy Service Center offering online billing, claims filing, and policy management. The agency's slogan is 'Cut your rates, not your coverage' and they emphasize human service over automation.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal insurance policies for individuals and families covering auto, home, and specialty risks (boat, motorcycle, ATV, RV, snowmobile, flood, earthquake, condo, mobile home, renters, pet, valuable items, rental property, personal umbrella) to protect against financial loss from accidents, theft, natural disasters, and liability claims.
• Business Insurance Commercial insurance products for small-to-medium West Virginia businesses covering business interruption, BOP, commercial auto, commercial property, umbrella, general liability, workers' compensation, manufacturers, surety bonds, cyber liability, and other industry-specific coverages.
• Life Insurance Life insurance and retirement products including term life, universal life, whole life, final expense, fixed annuities, and mortgage protection for individuals and families.
• Group Benefits Employee benefit programs including group life insurance, voluntary benefits (life, disability, accident, cancer, vision, dental), 401K and IRA rollover services, and buy/sell protection for businesses.

Quantifiable outcome

• Customers report saving approximately $120/month while getting better coverage (testimonial from customer with teenage drivers)

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• Erie InsurancecoreChannel Partner/ Reseller/ DistributorPrimary insurance carrier partner. Erie Insurance has been in business since 1925 and is highlighted as a specialization focus. The agency offers Erie Insurance products for auto, home, business, and life insurance. Agent number EE1014 used for referrals.
• Hagerty InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering collector car and specialty vehicle insurance.
• National General Insurance CompanyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing various insurance products.
• Panhandle Farmers MutualminorChannel Partner/ Reseller/ DistributorRegional insurance carrier partner, likely serving agricultural and farm-related insurance needs.
• The Progressive CorporationminorChannel Partner/ Reseller/ DistributorNational insurance carrier partner offering auto and other insurance products.
• Selective InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance products.
• West Virginia National Auto Insurance CominorChannel Partner/ Reseller/ DistributorRegional insurance carrier partner specializing in auto insurance for West Virginia.
• Farmers Mutual of West VirginiaminorChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier partner serving West Virginia policyholders.
• Summersville Chamber of CommerceminorStrategic or Co-development PartnerLocal business organization membership providing community networking and local business credibility.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Progressive: Direct and agency-channel P&C carrier that is one of Bowling's listed carrier partners. Comparable because Progressive offers the same auto-centric products both direct and through independent agents, and is the primary competitive headwind in personal auto.
• State Farm: Largest US personal lines carrier with a captive-agent network selling auto, home, life, and small commercial insurance. Comparable because State Farm competes for the same West Virginia household dollars as Bowling via localized agent offices and similar multi-line bundling.
• Allstate: National P&C insurer with an exclusive-agent distribution model offering auto, home, life, and small commercial products. Jessica Bowling previously worked at Allstate Financial Services, underscoring the comparable agency model and product positioning.
• Erie Insurance: Bowling Insurance Services' primary carrier partner (since 1925) and a regional P&C mutual with its own captive-agent distribution. Comparable because Erie operates a near-identical agency model with direct personal/commercial/life lines and is the closest large-scale analog to Bowling's go-to-market.
• Liberty Mutual: National P&C insurer with a mix of captive-employee and independent-agent distribution across personal and commercial lines. Comparable multi-line product set and similar independent-agent strategy targeting small-business and household customers.

Regional players

• Selective Insurance Group: Regional super-regional P&C carrier partnering with independent agents. Bowling lists Selective as a carrier partner, and the company is a comparable regional independent-agency-distributed carrier serving small commercial and personal lines.
• Acuity Insurance: Mid-size regional P&C mutual distributing through independent agents. Comparable as a regional carrier that Bowling could plausibly add to its carrier panel, sharing the same independent-agent-led distribution economics.
• Westfield Insurance: Regional super-regional P&C carrier selling through independent agents in the Midwest/Appalachian footprint. Comparable as a regional carrier with independent-agent distribution to small commercial and personal lines customers in geographies adjacent to West Virginia.

Direct peers

• Brightway Insurance: Independent insurance agency franchise network offering home, auto, and commercial products across multiple carriers. Highly comparable model — independent agents comparing multiple carriers for retail customers — though at significantly larger scale than Bowling.
• Goosehead Insurance: Public independent insurance agency franchisor selling personal, commercial, and life products via a network of franchise owners. Closest direct peer to an independent agency like Bowling, with an explicitly multi-carrier, comparison-based shop-and-save model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bowlinginsurancewv

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Bowling Insurance Services