Coalter Insurance Group
Coalter Insurance Group is a family-owned independent insurance brokerage in Southeast Missouri, serving individuals, families, and small businesses with home, auto, business, employee benefits, and life insurance through 17+ carrier partnerships across three offices.
- Company typePrivate
- Founded1985
- HeadquartersCape Girardeau, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Coalter Insurance Group does
Coalter Insurance Group is a privately held, family-owned independent insurance brokerage founded in 1985 by Ted R. Coalter and headquartered in Cape Girardeau, Missouri. The firm operates as a full-service broker representing 17+ insurance carriers (including Aetna, Allstate, Anthem, Mutual of Omaha, Travelers, Progressive, United Healthcare, Safeco, Liberty Mutual, The Hartford, MetLife, and others) and distributes four primary product lines: Home, Auto & Toys (personal lines including recreational vehicles, farm, and renters); Business Insurance (workers' compensation, general liability, commercial auto, BOP, inland marine); Employee Benefits (group health, dental, vision, disability, HSA/HRA, group life); and Life Insurance (term and whole). A differentiated offering, the Chamber Benefit Plan, is a self-funded Multiple Employer Welfare Arrangement (MEWA) delivered in partnership with the Missouri Chamber Federation and administered by Anthem Blue Cross and Blue Shield, targeted at small Missouri employers with 2-50 eligible employees.
The firm operates three physical offices across Southeast Missouri (Cape Girardeau headquarters, Jackson, Sikeston) and is staffed by approximately 19 named personnel including family partners Laura Coalter Parker (Insurance Consultant, Partner) and Debbie Coalter (Group Benefits Advisor, Partner), plus founder Ted R. Coalter. Underlying technology is a conventional brokerage platform leveraging carrier relationships and quote management tools; no proprietary technology, AI/ML capabilities, APIs, or third-party integrations beyond carrier partnerships are disclosed. The technology stack is described only in functional terms and does not constitute a differentiating technology asset.
Revenue is generated through commissions paid by insurance carriers on placed and renewed policies, with a sales-led go-to-market motion emphasizing personalized consultation, quote-based pricing on monthly billing cadence, hands-on claims support, and community-driven referrals. The customer base is horizontally distributed across individual consumers, families, small/mid-size businesses, and small/mid-size employers in Southeast Missouri. Marketing channels include an educational blog, interactive coverage quizzes, organic social media, community sponsorships, and local SEO. The firm holds a BBB A+ accreditation, received the 2019 BBB Torch Award and a 2019 Small Business of the Year recognition, and is a Cape Girardeau Chamber member. There is no evidence of external investment, private equity involvement, or parent company ownership.
Coalter Insurance Group firmographics
Firmographics- Name
- Coalter Insurance Group
- Legal name
- Coalter Insurance Group
- Website
- https://coalterinsurancegroup.com
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Coalter Insurance Group is a family-owned independent insurance brokerage in Southeast Missouri, serving individuals, families, and small businesses with home, auto, business, employee benefits, and life insurance through 17+ carrier partnerships across three offices.
- Ownership category
- akta.pro rank
Coalter Insurance Group industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
- akta.pro secondary industry
- Fully Insured Small Group Plans (HLAEAAAB)
Keywords
Where Coalter Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Cape Girardeau
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Coalter Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: As a full-service insurance broker representing multiple carriers, Coalter Insurance Group generates revenue through commissions paid by insurance carriers for policies placed. They work for the client, not the carrier, comparing plans from each insurance carrier to find the best rates and conditions in the market.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance coverage across multiple product lines |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Coalter Insurance Group product offering
Product offeringCore offering
Coalter Insurance Group is a full-service independent insurance brokerage that places personal, commercial, and group benefits insurance coverage on behalf of clients by comparing policies across multiple carriers. The firm sells Home, Auto & Toys (recreational vehicle) insurance, Business Insurance (workers' comp, general liability, commercial auto, BOP, inland marine), Employee Benefits (group health, dental, vision, disability, HSA/HRA), and Life Insurance, plus the Chamber Benefit Plan MEWA for small employers, generating revenue through insurance carrier commissions.
Product overview
Coalter Insurance Group is a full-service insurance brokerage offering a comprehensive portfolio of insurance products across four main lines: Home, Auto & Toys Insurance; Business Insurance; Employee Benefits; and Life Insurance. The company acts as a broker representing multiple insurance carriers to provide clients with competitive rates and unbiased coverage recommendations. As a specialized offering, the company also administers the Chamber Benefit Plan, a self-funded MEWA in partnership with the Missouri Chamber Federation and Anthem Blue Cross and Blue Shield, designed specifically for small businesses in Missouri. The product portfolio covers personal insurance (home, auto, recreational vehicles), commercial insurance (liability, workers' comp, commercial auto), employee benefits (health, dental, vision, disability, life), and individual life insurance (term and whole life).
Differentiator
Problem solved
Functional benefit
Products and services
- Home, Auto & Toys Insurance Personal lines insurance covering homes, automobiles, and recreational vehicles for individual consumers and families. It includes standard homeowners and auto policies plus specialty coverage for campers, ATVs, motorcycles, boats, farm property, and renters.
- Business Insurance Commercial insurance products for small and mid-size business owners, including Workers' Compensation, General Liability, Commercial Auto, Business Owner's Policy (BOP), and Inland Marine coverage tailored to businesses at every stage.
- Employee Benefits Group benefits packages for employers, including Large and Small Group Health Plans, Group Dental and Vision Plans, Group Long Term and Short Term Disability Plans, Medicare Supplement Plans, HSA & HRA Plans, and Group Life insurance.
- Life Insurance Individual and family life insurance products providing income replacement, debt coverage, and financial protection for loved ones, with term and whole life options for every stage of life.
- Chamber Benefit Plan A self-funded Multiple Employer Welfare Arrangement (MEWA) offered in partnership with the Missouri Chamber Federation and administered by Anthem Blue Cross and Blue Shield, providing competitive group health insurance rates to small group employers with 2-50 eligible employees who are Missouri Chamber members.
Companies that use Coalter Insurance Group
Customer profileSegments4 records
Ideal customer profiles2 records
Coalter Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Coalter Insurance Group partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Missouri Chamber FederationcoreCoalter Insurance Group partners with the Missouri Chamber Federation to offer the Chamber Benefit Plan, a self-funded Multiple Employer Welfare Arrangement (MEWA) administered by Anthem Blue Cross and Blue Shield. This partnership allows small group employers in Missouri who are Chamber members to access competitive group health insurance rates through a larger self-funded pool.
- Anthem Blue Cross and Blue ShieldcoreAnthem Blue Cross and Blue Shield administers the Chamber Benefit Plan offered through Coalter Insurance Group. They provide the insurance networks (Blue Access, Blue Access Choice, and Blue Preferred) and backend administration for the self-funded group insurance plans.
- Cape Girardeau Chamber of CommerceminorActive member of the Cape Girardeau Chamber of Commerce, displaying the Chamber member badge on their website and participating in Chamber events.
- Better Business BureauminorAccredited business with BBB holding an A+ rating. Displays BBB badge on website as trust signal for prospective customers.
- Insurance Carriers (Aetna, Allstate, Anthem, Mutual of Omaha, Travelers, Progressive, United Healthcare, Safeco, Liberty Mutual, The Hartford, CFM, State Auto, Transamerica, Ohio National, MetLife, United Home Insurance)coreAs an independent insurance broker, Coalter represents multiple insurance carriers across various product lines including health, auto, home, life, and business insurance. These carrier relationships enable them to shop coverage options on behalf of clients.
Scale indicators3 records
Recent moves7 records
Expansion highlights4 records
Coalter Insurance Group competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key highlights6 records
Customer concentration
Coalter Insurance Group social profiles
Digital presenceCoalter Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coalter Insurance Group leadership team
Management profileNumber of profiles
Profiles6 records
Coalter Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coalter Insurance Group 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 Coalter Insurance Group
What does Coalter Insurance Group do?
Coalter Insurance Group is a full-service independent insurance brokerage that places personal, commercial, and group benefits insurance coverage on behalf of clients by comparing policies across multiple carriers. The firm sells Home, Auto & Toys (recreational vehicle) insurance, Business Insurance (workers' comp, general liability, commercial auto, BOP, inland marine), Employee Benefits (group health, dental, vision, disability, HSA/HRA), and Life Insurance, plus the Chamber Benefit Plan MEWA for small employers, generating revenue through insurance carrier commissions.
Is Coalter Insurance Group a public or private company?
Coalter Insurance Group is a private company. It is classified as family owned and is currently operating.
When was Coalter Insurance Group founded?
Coalter Insurance Group was founded in 1985. It employs 11 to 50 people.
Where is Coalter Insurance Group based?
Coalter Insurance Group is headquartered in Cape Girardeau, United States, in the North America region.
How does Coalter Insurance Group make money?
One revenue line is on record: insurance Brokerage Commissions.
Does Coalter Insurance Group have an API?
No public API is recorded for Coalter Insurance Group.
What industry is Coalter Insurance Group in?
Coalter Insurance Group's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage, with a secondary code of HLAEAAAB, Fully Insured Small Group Plans. Its NAICS code is 524210 and its SIC code is 6411.