RWR WV Insurance

What RWR WV Insurance does

RWR WV Insurance (legal entity RWR WV, LLC.) is an independent insurance agency headquartered at 245 S. Washington Street, Suite B, Berkeley Springs, WV, licensed to serve West Virginia and all 50 states. The firm sells personal lines (home, auto, motorcycle, condo, flood, renters, RV, watercraft, classic car, mobile home, rental property, valuable possessions, umbrella, high-net-worth, secondary home, Medicare), commercial lines (workers' compensation, BOP, general liability, commercial property, business auto, commercial umbrella, cyber liability, EPLI, E&O, D&O, builders risk, liquor liability, surety bonds, ocean/inland marine, environmental, key-man life, fiduciary, captive management), and specialty surety services across construction, manufacturing, transportation, retail, agriculture, and equipment dealers. Distribution runs through a team of approximately 11 licensed advisors, including specialists in workers' compensation and farm insurance, supported by a 24/7 client portal (report claim, policy change, certificate, auto ID card, pay bill, policy review, refer-a-friend), on-site visits, phone/email intake, and a quote request workflow. The technology stack is a WordPress/Agency Revolution website with Clickable Coverage® interactive content, Google Analytics for site measurement, and epaypolicy.com for premium payments — i.e., no proprietary underwriting or AI platform; the firm's moat is broker-shopping across 60+ carrier appointments (Liberty Mutual, Travelers, Hartford, AIG, Progressive, Zenith, Zurich, Markel, Acuity, Nationwide, CNA, etc.) and a proprietary four-step risk management methodology delivered by an in-house Claims and Risk Management Team.

The business model is commission-based: the agency earns transactional carrier commissions on policies placed, plus surety bond commissions and referral-driven placements; pricing is quote-based and not publicly disclosed, with annual billing and coverage binding only after a licensed agent confirms the policy. Go-to-market is sales-led and consultative, blending direct-to-consumer digital lead capture (online quote forms, Google Reviews, Facebook page) with relationship-driven engagement (community boards, Chamber of Commerce, Rotary, local fire department visits, safety meetings). The agency markets itself on "big agency value with a small town feel," leveraging the local standing of President Sean Forney (County Commissioner) and partner Justin Andrews (Chamber/Planning Commission) as community-rooted distribution assets. No revenue, funding, or cap-table data is publicly disclosed.

Name

RWR WV Insurance

Legal name

RWR WV, LLC.

Website

https://rwrwv.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

RWR WV Insurance is a Berkeley Springs, WV-based independent insurance agency selling personal, commercial, and surety insurance across all 50 states via ~11 licensed advisors, 60+ carrier appointments, and a 24/7 client portal.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency (Personal, Commercial, and Surety)

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industries

Commercial General Liability (CGL) (FSAJADAA), Directors & Officers (D&O) Liability (FSAJADAF), Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance coverage
• Workers compensation insurance
• Surety bond services

Headquarters

HQ city

Berkeley Springs

HQ country

United States

HQ region

North America

Offices6 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, RWR WV earns commissions from the many insurance carriers it represents (Zenith, Dairyland, Acuity, AIG, Liberty Mutual, Progressive, Travelers, Hartford, etc.) for policies placed. This is the primary revenue stream; commissions vary by line of business and carrier.
2. Surety Bond Commissions: Revenue from surety bond placements across industries including construction, manufacturing, transportation/trucking, retail, agriculture, and equipment dealers.
3. Referral-Based Revenue: Customer referral program via the 'Refer a Friend' portal feature generates new policy placements without traditional marketing spend.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

RWR WV Insurance is an independent insurance agency that places personal, commercial, and surety bond coverage with 60+ carrier partners on behalf of individual and business clients across West Virginia and all 50 states. The agency also delivers an in-house Risk Management service through a four-step methodology and operates a 24/7 Client Portal for self-service policy, claims, billing, and referrals. Revenue is earned primarily through commissions from placed policies and bonds.

Product overview

RWR WV Insurance operates a single integrated independent insurance agency rather than a multi-product SaaS platform, but its offering is organized around three major pillars: a Personal Insurance line (covering Home, Auto, Motorcycle, Condo, Flood, Renters, Wedding, Off-Road Vehicle, RV, Snowmobile, Watercraft, Classic Car, Mobile Home, Rental Property, Valuable Possessions, Excess Liability, Umbrella, High Net Worth, Secondary Home, and Medicare products), a Business Insurance line (covering Workers' Compensation, Business Owners/BOP, General Liability, Commercial Property, Business Auto, Commercial Umbrella, Cyber Liability, EPLI, E&O, D&O, Business Flood, Crime, Builders Risk, Liquor Liability, Special Event, Surety Bonds, Ocean Marine, Inland Marine, Environmental, Systems Breakdown, Key Man Life, Fiduciary Liability, Captive Insurance Management, and Natural Disaster products), and a set of cross-cutting services (Risk Management four-step process and Surety Services), all delivered through a 24/7 Client Portal that supports Report Claim, Request Policy Change, Request Certificate, Request Auto ID Card, Pay Bill, Policy Review, Provide Feedback, and Refer a Friend. These lines function as sub-products/modules under the RWR WV Insurance brand, supported by access to numerous top-rated carrier partners (Zenith, Acadia, AIG, Travelers, Hartford, Progressive, Liberty Mutual, etc.) so the agency can match each client to the right blend of price, coverage, and service across West Virginia and all 50 states.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance

Quantifiable outcome

• Saved a client over $2,000 on a policy (Thomas L., 2021 testimonial)
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Zenith InsurancecoreChannel Partner/ Reseller/ DistributorRWR WV represents Zenith as a carrier partner for workers' compensation and related lines. Provides claims reporting (800-440-5020) and billing through Zenith. Listed on the Insurance Companies page.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor commercial carrier partner providing business insurance through RWR. Claims 800-989-7854, billing 800-320-7582. Listed on Insurance Companies page.
• ProgressivecoreChannel Partner/ Reseller/ DistributorPersonal lines carrier partner for auto and other personal insurance. Claims 800-274-4499, billing 800-876-5581. Listed on Insurance Companies page.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor carrier partner offering personal and commercial lines through RWR. Claims 800-252-4633, billing 800-842-5075.
• The HartfordcoreChannel Partner/ Reseller/ DistributorCarrier partner for personal and commercial lines including workers' comp. Claims 800-243-5860, billing via service.thehartford.com.
• Nationwide (including Allied and Harleysville)coreChannel Partner/ Reseller/ DistributorMajor carrier partner across multiple brand families (Nationwide, Allied, Harleysville). Harleysville noted as 'Operating Under Nationwide.' Claims 800-421-3535 (Nationwide) / 800-282-1446 (Allied).
• CNA (including CNA Surety)coreChannel Partner/ Reseller/ DistributorCarrier partner for commercial and surety bonds. CNA Surety claims 877-672-6115, billing 800-331-6053. Surety Services page confirms CNA Surety as a bonding partner.
• AIGcoreChannel Partner/ Reseller/ DistributorPersonal lines carrier partner. Claims 888-760-9195, billing 866-856-6855.
• ZurichcoreChannel Partner/ Reseller/ DistributorCarrier partner for commercial lines. Claims 800-987-3373, billing via secure4.billerweb.com.
• MarkelcoreChannel Partner/ Reseller/ DistributorCarrier partner for small commercial and specialty lines (also includes First Comp). Claims 800-362-7535, billing 888-642-4968.
• AcuitycoreChannel Partner/ Reseller/ DistributorCarrier partner for personal and business lines. Claims 800-242-7666, billing 800-242-7666.
• Donegal (including Peninsula)minorChannel Partner/ Reseller/ DistributorRegional carrier partner; Peninsula operates under Donegal group. Claims 800-877-9006, billing 800-877-0600.
• Argo Group (Argo, Colony Specialty, Rockwood)minorChannel Partner/ Reseller/ DistributorCarrier group represented through multiple brand entries. Colony Specialty claims 833-240-4128; Rockwood claims 800-837-9062.
• Google (Analytics & Reviews)coreTechnology or IntegrationRWR WV uses Google Analytics to understand site visitor behavior and optimize marketing, and prominently links Google Reviews/profile in the homepage. Privacy policy references Google Ads settings for opt-out.
• Agency Revolution (FMG Suite, LLC)coreTechnology or IntegrationWebsite footer notes the site is 'Powered by Agency Revolution' — Agency Revolution's Clickable Coverage® platform underpins the agency's website content, client portal, and interactive risk graphics.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hilb Group: Hilb Group is a large independent insurance brokerage platform that aggregates local independent agencies across the U.S. It is directly comparable because it operates the same independent multi-carrier agency model RWR WV uses, scaled across personal and commercial lines with a relationship-led GTM motion.
• Brown & Brown: Brown & Brown is a publicly traded national insurance brokerage distributing personal, commercial, and specialty lines through independent agencies. It is comparable to RWR WV because both operate multi-carrier agency/brokerage models, but at far greater scale, making it a scaled-up version of the same business.
• Acrisure: Acrisure is a tech-enabled insurance brokerage that combines independent agency operations with proprietary technology and data tools. It is comparable to RWR WV because it shares the independent agency distribution model and multi-carrier placement approach, while layering on digital and partnership-driven growth.
• Integrity Marketing Group: Integrity Marketing Group is one of the largest independent insurance distributors in the U.S., focused on senior market life, health, and annuity products through a network of independent agents. It is comparable to RWR WV because both distribute insurance on an independent agent/broker model, with particular overlap in the Medicare distribution segment.
• Goosehead Insurance: Goosehead is a franchise-style independent personal-lines agency representing multiple carriers and selling through licensed advisors. It is directly comparable to RWR WV because both rely on a multi-carrier independent brokerage model, licensed agent relationships, and cross-sell of home, auto, and umbrella policies to consumers.

Broad incumbents

• State Farm: State Farm is the largest U.S. personal lines insurer, distributing through captive exclusive agents. It is comparable to RWR WV as a broad incumbent competing in the same personal and small commercial insurance categories, though via a captive single-carrier model rather than RWR WV's independent multi-carrier approach.
• Marsh McLennan: Marsh McLennan is the world's largest insurance brokerage and risk advisory firm, operating across commercial P&C, employee benefits, and risk consulting. It is comparable to RWR WV as a broad incumbent in the insurance distribution space, although it serves enterprise clients and operates at vastly larger scale than RWR WV's SMB focus.

Emerging players

• Hippo Insurance: Hippo is a digital-first homeowners insurance MGA that sells directly to consumers online and through partner channels. It is comparable to RWR WV as an emerging player in the same homeowners insurance category, but with a tech-led direct distribution model versus RWR WV's agent-led brokerage motion.
• Lemonade: Lemonade is a digital-first direct-to-consumer insurer using AI and mobile apps to sell renters, homeowners, pet, and auto policies without agents. It is comparable to RWR WV as an emerging player competing in the same personal lines categories, but Lemonade bypasses agents entirely while RWR WV relies on licensed advisors.

Regional players

• Erie Insurance: Erie Insurance is a regional mutual property and casualty insurer that distributes exclusively through a network of independent agents across the Mid-Atlantic and Midwest. It is comparable to RWR WV because Erie's agency distribution model mirrors the independent multi-line agency approach, although Erie operates as the carrier while RWR WV represents many carriers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/rwrwvins
• LinkedInlinkedin.com/in/seanforney2009

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 RWR WV Insurance