Hoak Insurance Services

What Hoak Insurance Services does

Hoak Insurance Services is a family-owned independent insurance agency founded in 2004 and headquartered in Brookville, Pennsylvania, operating three physical offices across western PA (Brookville, New Bethlehem, and Reynoldsville). The agency distributes personal insurance (auto, home, life, health, annuities, specialty lines), commercial insurance (general liability, BOP, commercial property, business auto, workers' compensation, cyber, and specialty coverages), industry-specific programs spanning brewery, distillery, winery, restaurant, dealership, contractor, manufacturing, healthcare, and other verticals, as well as employee benefits (group health, dental, vision, disability, retirement) and individual health/Medicare lines. It serves individuals, families, small and mid-sized businesses, employer groups, and Medicare-eligible seniors, with stated coverage of 11,000 clients across six states (licensed in MD, NC, OH, and PA).

The agency is built on an independent multi-carrier distribution model representing twelve-plus carriers with Erie Insurance as the flagship partner (evidenced by 17 consecutive ERIE Founder's Awards, Personal Line Elite Agent 2017, and Life Elite Agent 2019), supplemented by Progressive, Geico, Foremost, Next Insurance, Agency Insurance Company, American Collectors, Farmers Mutual Fire, The General, Isurity, Millville Mutual, and Tuscarora Wayne. Its technology stack consists of an Agency Revolution (FMG Suite) website platform, the registered Clickable Coverage® interactive coverage-graphics tool used for mid-funnel education, and embedded instant-quote integrations with Erie Insurance and Next Insurance that carry agent-referral tracking parameters for lead attribution. There is no proprietary AI/ML, no public API, and no mobile app; the technical differentiators are limited to ease-of-use and carrier-integration interoperability.

The business model is commission-based revenue earned on policy placement and renewal across the carrier portfolio, with sales-led go-to-market executed through three physical offices, a toll-free 888 number, website quote forms, embedded instant-quote tools, an active blog curating Erie Insurance content, and a structured Refer Us / Review Us program. Pricing is quote-based with annual billing cadence and is not publicly disclosed. The agency is privately held by the Hoak family (Gene Hoak as President, Steven Hoak as Sales/Underwriting Manager, Jon Hoak as Agent), has no outside institutional investors, no parent company, and no subsidiaries.

Name

Hoak Insurance Services

Legal name

Hoak Insurance Services

Website

https://hoakinsurance.net

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Hoak Insurance Services is a family-owned independent insurance agency in Brookville, Pennsylvania, distributing personal, commercial, industry-specific, and employee benefits coverage through twelve-plus carriers (anchored by Erie Insurance) from three PA offices to individuals, families, and businesses across six states.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industries

Condominium (HO-6) Insurance (FSAJACAC), Group Term Life Insurance (FSAIAAAJ)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance brokerage
• Employee benefits plans
• Industry specific insurance

Headquarters

HQ city

Brookville

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 carrier commissions: As an independent insurance agency, Hoak Insurance Services earns commission-based revenue from the multiple insurance carriers it represents (Erie Insurance, Progressive, Geico, Foremost, Next Insurance, Agency Insurance Company, American Collectors, Farmers Mutual Fire, The General, Isurity, Millville Mutual, Tuscarora Wayne) when policies are bound and renewed across personal, commercial, and employee benefits lines.
2. Cross-carrier placement and renewal commissions: Independent agency model places clients with the best-fit carrier from a multi-carrier portfolio and earns renewal commissions on ongoing policies, supporting recurring revenue tied to client retention.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Hoak Insurance Services is a family-owned independent insurance agency that places personal, commercial, industry-specific, and employee benefits coverage with multiple carriers on behalf of clients. The agency earns commissions from carriers including Erie Insurance, Progressive, Geico, Foremost, Next Insurance, and others when policies are bound and renewed. It operates three Pennsylvania offices and is licensed to serve clients in MD, NC, OH, and PA.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance
• Business Insurance
• Insurance by Industry
• Employee Benefits
• Individual Health and Medicare Insurance

Quantifiable outcome

• 11,000 satisfied clients served
• +5 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature4 records

Partnerships

19 partnerships are on record, tiered flagship / core, standard and core.

• Erie Insuranceflagship / coreStrategic or Co-development PartnerHoak Insurance Services is a 'Proud ERIE Agency' with a multi-decade relationship evidenced by 17 consecutive ERIE Founder's Awards, Personal Line Elite Agent 2017, Life Elite Agent 2019, and two ERIE Agent Quality Awards. The website embeds an Instant ERIE Quote tool with agent-referral tracking on the Request Quote page and a Pay ERIE Bill link in the Service Center. Multiple Erie Insurance blog posts are republished on Hoak's blog.
• ProgressivestandardChannel Partner/ Reseller/ DistributorProgressive is offered as a carrier option via the Service Center Pay Bill page, where Hoak clients can link out to progressive.com to make premium payments.
• GeicostandardChannel Partner/ Reseller/ DistributorGeico is offered as a carrier option via the Service Center Pay Bill page, where Hoak clients can link out to geico.com to make premium payments.
• Foremost InsurancestandardChannel Partner/ Reseller/ DistributorForemost Insurance is offered as a carrier option via the Service Center Pay Bill page linking out to foremost.com.
• Next InsurancecoreTechnology or IntegrationNext Insurance is integrated as a digital instant-quote partner on the Request Quote page with an agent-affiliation tracking link (agent_affiliation=9Dljl2hTl4WA8q6t) and is also referenced on the Pay Bill page linking to nextinsurance.com. Enables self-serve online commercial quoting for small businesses.
• Agency Insurance CompanystandardChannel Partner/ Reseller/ DistributorAgency Insurance Company is offered as a carrier option via the Service Center Pay Bill page linking out to agencyinsurancecompany.com.
• American Collectors InsurancestandardChannel Partner/ Reseller/ DistributorAmerican Collectors Insurance is offered as a specialty carrier option via the Service Center Pay Bill page linking out to americancollectors.com.
• Farmers Mutual Fire Insurance CompanystandardChannel Partner/ Reseller/ DistributorFarmers Mutual Fire Insurance Company (farmersofmarble.com) is offered as a carrier option via the Service Center Pay Bill page.
• The GeneralstandardChannel Partner/ Reseller/ DistributorThe General (thegeneral.com) is offered as a carrier option via the Service Center Pay Bill page.
• IsuritystandardChannel Partner/ Reseller/ DistributorIsurity (isurity.com) is offered as a carrier option via the Service Center Pay Bill page.
• Millville Mutual Insurance CompanystandardChannel Partner/ Reseller/ DistributorMillville Mutual Insurance Company (millvillemutual.com) is offered as a carrier option via the Service Center Pay Bill page.
• Tuscarora Wayne (TWFG)standardChannel Partner/ Reseller/ DistributorTuscarora Wayne / TWFG (twfg.com) is offered as a carrier option via the Service Center Pay Bill page.
• Insurance Agents & Brokers (IA&B)standardStrategic or Co-development PartnerHoak Insurance Services is a proud member of IA&B, the premier independent insurance agent trade association serving Pennsylvania, Maryland, and Delaware. Membership provides educational and professional development opportunities, advocacy, industry information exchange, and expertise access.
• Brookville Area Chamber of CommercestandardOthersProud member displayed in the agency's membership logo carousel supporting local business community engagement.
• Redbank Valley Chamber of CommercestandardOthersProud member displayed in the agency's membership logo carousel supporting local business community engagement.
• Jefferson County Development CouncilstandardOthersProud member displayed in the agency's membership logo carousel supporting regional economic development.
• Chamber of St. MatthewsstandardOthersProud member displayed in the agency's membership logo carousel.
• National Association of Professional Insurance Agents (PIA)standardStrategic or Co-development PartnerListed in the agency's membership logo carousel as a proud member of the National Association of Professional Insurance Agents.
• Agency Revolution (FMG Suite, LLC)coreTechnology or IntegrationAgency Revolution powers the Hoak Insurance Services website (per site footer attribution) and owns the registered Clickable Coverage® trademark used throughout the site. Provides the digital marketing platform, content engine, and interactive coverage graphics.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown: Large publicly traded insurance broker with a national footprint and deep retail division. Represents the kind of scaled competitor consolidating regional independent agencies and adjacent commercial lines.
• Geico: Carried by Hoak as a placement option, GEICO is also the largest direct-to-consumer auto carrier and a structural threat to agency-distributed personal auto placement.
• Marsh McLennan: Largest global insurance broker and risk advisor; competes for commercial and employee benefits accounts across the same U.S. geographies Hoak serves, though primarily at larger middle-market and enterprise size.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk advisory with extensive middle-market and employee benefits practices that overlap with Hoak's commercial and group benefits offerings at a much larger scale.
• Progressive: One of Hoak's offered carriers but also a major direct-to-consumer auto insurer with a strong brand. Represents the carrier-direct channel that competes with Hoak's personal auto placement.
• Erie Insurance: Hoak's flagship carrier and the source of virtually all its named awards. Erie also operates its own captive-agent distribution that competes head-to-head with Hoak for the same PA/MD/OH/NC personal and small-commercial buyer.

Emerging players

• NEXT Insurance: Embedded as a digital instant-quote partner on Hoak's site, NEXT is also a direct digital-first small-commercial competitor offering bindable online coverage — overlapping with Hoak's BOP, GL, and commercial auto book.

Direct peers

• World Insurance Associates: National insurance brokerage that has built scale through acquiring independent agencies across the U.S. Competes for the same producer talent and mid-market commercial clients that Hoak serves.
• The Hilb Group: Mid-Atlantic insurance brokerage platform that acquires and partners with independent agencies. Operates a similar multi-carrier, multi-line independent agency model and has explicit interest in regional PA/MD agency rollups.

Others

• Trusted Choice: National network and brand for independent insurance agents; Hoak fits the same independent-agent archetype that Trusted Choice promotes. Acts as a peer network/marketing channel rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Hoak_Services
• Facebookfacebook.com/hoakinsurance
• LinkedInlinkedin.com/company/hoak-insurance-services
• Instagraminstagram.com/hoak_insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Hoak Insurance Services