Quirk Insurance

What Quirk Insurance does

Quirk Insurance is an independent insurance agency headquartered at 377 Hogan Road in Bangor, Maine, serving individuals, families, and small to mid-sized businesses across the greater Bangor region. The agency operates under a traditional brokerage model, employing seven licensed agents (Bob Quirk, Brian Worcester, Laurie Cote-Dunn, Amanda Runnells, Racheal St. Louis, Heather Kinney, and Mandy Wheaton) who quote and place coverage directly via phone, in-person consultations, and website lead forms. The business is family-held and is associated with the Quirk Auto Group, which was incorporated in 1973 by Bob Quirk and his brothers, providing multi-decade brand recognition in the Maine market.

The agency offers a full personal, commercial, and health/life insurance portfolio. Personal lines include homeowners, auto, umbrella/excess liability, recreational vehicle (motorcycle, watercraft, ATV, snowmobile, camper, motorhome), life, and renter's insurance. Commercial lines include workers compensation, business auto, general liability, professional liability/errors & omissions, and bonds. Health and life offerings include individual and group health, individual and business life insurance (including key man and buy/sell), disability, dental, and accident plans. The agency represents more than 20 carriers, including Progressive, MetLife, Travelers, Concord Group, Peerless, MMG, Vermont Mutual, Foremost, Bristol, Union Mutual, Acadia, MEMIC, Philadelphia Insurance Companies, Anthem, Aetna, Harvard Pilgrim, United Healthcare, Community Health Options, UNUM, The Standard, and Assurity.

The agency uses no proprietary technology platform; operations rely on standard industry software for policy management and CRM, with payment portals hosted by individual carrier partners. Revenue is generated on a commission-recurring basis, earning placement and renewal commissions from each carrier. The company has no outside institutional investors, no funding rounds, and no identified parent company. Recent strategic activity has been modest and organic: a past tuck-in acquisition of a prior insurance book, the addition of a Health & Life Insurance service line, and incremental agent hires in 2022, 2025, and 2026 to deepen personal and commercial capacity.

Name

Quirk Insurance

Legal name

Quirk Insurance

Website

https://quirkinsurance.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Quirk Insurance is a Bangor, Maine-based independent insurance agency placing personal, commercial, health, and life coverage for individuals and small businesses through a seven-agent team and twenty-plus carrier partners.

Ownership category

akta.pro rank

Headquarters

HQ city

Bangor

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: Quirk Insurance operates as an independent insurance agency earning commissions from multiple insurance carriers (Concord Group Insurance, Peerless Insurance, MMG Insurance Services, Vermont Mutual Insurance Group, Progressive, MetLife, Foremost, Bristol Insurance, Travelers, Union Mutual, Acadia, MEMIC, Philadelphia Insurance Companies, and others) for policies placed on behalf of customers. Revenue is generated through commissions on new policies and renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Quirk Insurance is an independent insurance agency that places personal, commercial, health, and life insurance policies on behalf of customers in the greater Bangor, Maine region. The agency represents multiple insurance carriers and earns commissions for matching customers with coverage from companies such as Progressive, MetLife, Travelers, MEMIC, Anthem, Aetna, and others. Licensed agents provide personalized consultation by phone, online, or in-person at the Bangor headquarters.

Product overview

Quirk Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The personal insurance service line includes homeowner's insurance, automobile insurance, umbrella excess liability coverage, and recreational vehicle insurance for motorcycles, watercraft, ATVs, snowmobiles, campers, and motorhomes. The commercial insurance service line provides workers compensation, bonds (contractor, auto dealer, fidelity, crime), business auto, professional liability (errors and omissions), and general liability coverage. Health and life products include individual and group health insurance, individual and business life insurance (key man and buy/sell agreements), and employee benefits. The agency operates as a traditional insurance agency model, connecting customers with insurance carriers rather than as a technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage including bodily injury liability, property damage liability, collision, comprehensive, medical payments, rental reimbursement, and uninsured/underinsured motorist coverage for personal vehicle owners in the greater Bangor, Maine region.
• Homeowners Insurance Protection for homes against damage, covering the structure and personal property with options for comprehensive and collision coverage, for Maine homeowners.
• Umbrella (Excess Liability) Insurance Additional liability coverage providing $1 million or more on top of existing home, auto, and recreational vehicle policies for individuals seeking extra liability protection.
• Recreational Vehicle Insurance Coverage for motorcycles, watercraft, 4-wheelers, snowmobiles, campers, and motorhomes including comprehensive, collision, and liability protection.
• Renter's Insurance Coverage for renters starting at $10 per month, protecting household contents and providing funds for temporary housing if the rental property is damaged.
• Workers Compensation Insurance Coverage for employee workplace injuries, paying medical expenses and lost wages as required in most states, for Maine businesses.
• Bonds Bonding services including contractors bid and performance bonds, auto dealers bonds, and fidelity and crime bonds for commercial customers.
• Business Auto Insurance Protection for businesses against driver and vehicle injuries, with customizable riders for specific business vehicle needs.
• Professional Liability (Errors & Omissions) Coverage for professionals offering engineering, medical, real estate, and other services against claims of negligence or inadequate work.
• General Liability Insurance Business protection against lawsuits from accidents or incidents, covering legal costs and damages in amounts that can reach hundreds of thousands of dollars.
• Individual Life Insurance Term, whole, and universal life products protecting family income, paying off debts, and planning for college expenses.
• Group Health Insurance Employee health plans offered through Anthem, Aetna, Harvard Pilgrim, United Healthcare, and Community Health Options.
• Business Life Insurance Key Man Life Insurance for key employees and Buy/Sell Agreement coverage funding estate buyouts for business partners.
• Employee Benefits Group disability, life insurance, dental plans, and accident plans through carriers including UNUM, The Standard, and Assurity.
• Individual Health Insurance Individual health coverage representing all major Maine carriers plus marketplace assistance through healthcare.gov.

Quantifiable outcome

• Customer saves $400+ annually on home and auto policy

Named customers11 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

21 partnerships are on record, tiered core.

• Concord Group InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal lines payment portal through Quirk Insurance agency. Customers can pay bills online via Concord Group's management portal.
• Peerless InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing payment portal access for policyholders through Quirk Insurance's online payment page.
• MMG Insurance ServicescoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering online bill payment through Quirk Insurance's customer portal.
• Vermont Mutual Insurance GroupcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner providing payment options through Quirk Insurance agency.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner available through Quirk Insurance for auto and other coverage lines.
• MetLifecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and other insurance products through Quirk Insurance agency.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier specializing in specialty lines (including manufactured housing, motor homes, boats) available through Quirk Insurance.
• Bristol InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering payment portal access for customers of Quirk Insurance.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor commercial and personal lines insurance carrier providing both Personal Lines and Commercial Lines products through Quirk Insurance agency.
• Union MutualcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner offering billing services through Quirk Insurance.
• Acadia InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner providing payment portal through Quirk Insurance agency.
• MEMICcoreChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier specializing in Maine, available through Quirk Insurance for commercial customers.
• Philadelphia Insurance CompaniescoreChannel Partner/ Reseller/ DistributorCommercial lines insurance carrier partner available through Quirk Insurance for business coverage needs.
• AnthemcoreChannel Partner/ Reseller/ DistributorHealth insurance carrier partner offering group health plans, individual health insurance, and Marketplace plans through Quirk Insurance.
• AetnacoreChannel Partner/ Reseller/ DistributorHealth insurance carrier partner providing group health plans and individual health insurance through Quirk Insurance.
• Harvard PilgrimcoreChannel Partner/ Reseller/ DistributorRegional health insurance carrier partner offering group and individual health plans through Quirk Insurance.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorMajor national health insurance carrier partner offering group and individual health coverage through Quirk Insurance.
• Community Health OptionscoreChannel Partner/ Reseller/ DistributorRegional health insurance carrier (Maine-based) providing group and individual health plans through Quirk Insurance.
• UNUMcoreChannel Partner/ Reseller/ DistributorDisability insurance carrier partner providing group disability coverage as part of employee benefits packages through Quirk Insurance.
• The StandardcoreChannel Partner/ Reseller/ DistributorDisability and insurance carrier partner offering group disability insurance as part of employee benefits through Quirk Insurance.
• AssuritycoreChannel Partner/ Reseller/ DistributorDisability insurance carrier partner providing coverage options as part of employee benefit packages through Quirk Insurance.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Cross Insurance: Cross Insurance is the largest independent insurance agency in Maine and New England, offering personal, commercial, and employee benefits products across multiple carrier appointments. It is the most directly comparable Maine-based multi-line independent agency to Quirk Insurance, just at a significantly larger scale.
• F.A. Peabody Co. F.A. Peabody is a Maine and New Hampshire independent insurance agency providing personal, commercial, and surety products. Comparable to Quirk as a regional independent agency with multi-line offerings.
• Allen Insurance and Financial: Allen Insurance and Financial is a Maine-based independent insurance agency offering personal, commercial, and financial services products. It operates with a similar multi-carrier brokerage model in the same regional geography as Quirk.

Emerging players

• SmartFinancial: SmartFinancial is an InsurTech-enabled insurance brokerage that compares quotes from multiple carriers online. Represents the technology-augmented competitive threat to traditional small independent agencies like Quirk Insurance.
• Lemonade: Lemonade is a digital-first insurance carrier offering renters, home, auto, and life insurance directly to consumers. Represents the direct-to-consumer competitive threat that could compress demand for independent agents like Quirk, particularly in renters and auto lines.

Broad incumbents

• Frankenmuth Insurance: Frankenmuth Insurance is a regional super-regional mutual insurance carrier distributing through independent agents in the Northeast and Midwest. Comparable as a carrier partner that competes for the same end customers via the independent agency channel in which Quirk Insurance operates.
• Erie Insurance: Erie Insurance is a regional insurance carrier with a strong captive-agent distribution model in the Northeast including Maine. Comparable as a competitor for the same personal and small commercial customers that Quirk serves, but operates as a carrier with its own agents rather than an independent broker.

Regional players

• The Rowley Agency: The Rowley Agency is a New England independent insurance agency offering personal and commercial lines through multiple carriers. Comparable in model and regional scope, though serving a slightly broader New England footprint.
• Patrons Insurance Group: Patrons Insurance Group is a Maine-based independent insurance agency offering personal, commercial, and group benefits products. Operates with a similar independent multi-carrier model in the same geographic market as Quirk.

Others

• SIAA (Strategic Insurance Agency Alliance): SIAA is a cluster group/network that supports small independent insurance agencies with carrier access, training, and scale benefits. Comparable as an ecosystem participant that could help a small independent agency like Quirk Insurance compete with larger agencies.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/quirkinsurance
• Xx.com/quirkinsurance
• LinkedInlinkedin.com/company/quirk-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Quirk Insurance