St. Marys Insurance Agency

What St. Marys Insurance Agency does

St. Marys Insurance Agency, Inc. & Affiliates is an independent insurance agency founded in 1940 and headquartered in St. Marys, Pennsylvania. The firm operates 8 physical office locations across Pennsylvania — St. Marys, Clearfield, State College, Emporium, Bradford, Johnsonburg, Ridgway, and Sheffield — under a portfolio of retained DBA brands (Boyles Insurance Agency, Emporium Insurance Agency, Williams McKean Agency, Smith-Keats Agency, Borst Insurance Agency) acquired through regional roll-ups. It employs 40+ experienced agents and serves individual consumers, families, and small-to-mid-sized businesses in Pennsylvania and New York.

The agency's product portfolio spans three primary lines: personal insurance (auto, home, life, health, renters, and specialty coverages including motorcycles, RVs, classic cars, flood, and umbrella), business insurance (business owners policies, workers' compensation, general liability, commercial property, cyber liability, EPLI, D&O, and specialty commercial lines for breweries, churches, municipalities, and trucking), and employee benefits (group health, dental, vision, disability, voluntary benefits, and the ERIE LifeWorks supplemental life program). St. Marys represents 18+ insurance carriers including Erie Insurance as the primary partner alongside Selective, EMC, Travelers, Donegal, Progressive, Nationwide (Allied), Acuity, and Markel, enabling price and coverage comparison across carriers.

Revenue is generated through commissions on policies sold and renewed, a recurring commission model typical of independent agencies. Distribution combines a consultative sales motion across physical offices with digital channels — an online quote form, client self-service portal, social media presence on five platforms, a content blog, free Medicare educational seminars, and a referral program. The firm is privately held by owner Jeffrey Azzato with no identified parent company, outside investors, or external funding. St. Marys has earned 17 Erie Insurance Elite Awards and recognition as a top-10 Erie agent companywide.

Name

St. Marys Insurance Agency

Legal name

St. Marys Insurance Agency, Inc. & Affiliates

Website

https://stmarysagency.com

Company type

Private

Founded year

1940

Operating status

Operating

Headcount range

11–50 employees

Short description

St. Marys Insurance Agency is an independent insurance agency founded in 1940, operating 8 offices across Pennsylvania and serving individuals, families, and businesses with personal, commercial, and employee benefits coverage from multiple carriers.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Public Liability (Premises/Operations) (FSAJADAD)

akta.pro secondary industries

Employer’s Liability (FSAJADAE), Professional Liability (E&O) (FSAJAGAC), Directors & Officers (D&O) Liability (FSAJADAF), Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial business insurance
• Employee benefits solutions
• Multi-carrier insurance broker

Headquarters

HQ city

Saint Marys

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Insurance Commissions: Earn commissions from multiple insurance carriers (Erie Insurance, Selective, Travelers, Donegal, Progressive, and others) for policies sold and renewed. Commission-based model typical of independent insurance agencies.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

St. Marys Insurance Agency is an independent insurance agency representing multiple carriers (Erie Insurance, Selective, Travelers, Donegal, Progressive, EMC, and others) to provide personal, commercial, and employee benefits insurance products. Operating across 8 Pennsylvania office locations with 40+ licensed agents, the agency delivers consultative insurance sales, policy servicing, and claims support to individuals, families, and businesses throughout Pennsylvania and New York.

Product overview

St. Marys Insurance Agency, Inc. & Affiliates is an independent insurance agency offering a comprehensive suite of insurance solutions organized into three main categories: Personal Insurance (including auto, home, life, health, renters, and specialty coverages like motorcycles, RVs, and flood insurance), Business Insurance (including business owners policies, workers' compensation, general liability, commercial property, cyber liability, and industry-specific coverages like trucking, brewery, and church insurance), and Employee Benefits (including group health, dental, vision, voluntary benefits, and ERIE LifeWorks supplemental life insurance). The agency represents multiple insurance carriers including Erie Insurance, Selective, EMC, Travelers, Donegal, Progressive, and others, enabling them to offer diverse coverage options and price points to meet individual client needs across Pennsylvania, New York, and beyond.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage protecting vehicles against bodily injury liability, property damage, medical payments, uninsured/underinsured motorist damage, and physical damage including collision and comprehensive coverage.
• Home Insurance Coverage protecting homes against fire, personal property damage, additional living expenses, valuable possessions, medical expenses, personal liability, and flood coverage.
• Individual Life Insurance Life insurance products including term life, whole life, and universal life policies to protect loved ones' financial security.
• Individual Health Insurance Health coverage for individuals without employer-sponsored plans, offering flexible cost and coverage options.
• Renters Insurance Coverage protecting personal belongings and providing liability protection for renters against theft, fire, water damage, and other unexpected events.
• Personal Specialty Insurance Specialty personal coverages including condo, RV, watercraft, umbrella, motorcycle, off-road, snowmobile, classic car, wedding, flood, earthquake, mobile home, rental property, valuable possessions, yacht, secondary home, child life, individual dental, long-term disability, long-term care, annuities, IRAs, Medicare supplement, and excess liability insurance.
• Business Owners Insurance (BOP) Combined business property and liability insurance policy protecting businesses from various risks including property damage, business interruption, and liability claims.
• Workers' Compensation Insurance Coverage required by law protecting employees injured on the job, covering medical bills, care costs, lost wages, and funeral expenses.
• General Liability Insurance Broad coverage for bodily injury to people outside the business and physical damage to their property.
• Commercial Property Insurance Coverage protecting business property including buildings, equipment, inventory, and important records against damage, loss, and theft.
• Key Person Life Insurance Coverage helping businesses survive the death of integral employees, providing funds for hiring replacements or winding down operations.
• Commercial Specialty Insurance Specialty commercial coverages including business auto, cyber liability, commercial umbrella, EPLI, E&O, D&O, crime, builders risk, liquor liability, special event, surety bonds, inland marine, environmental, systems breakdown, and fiduciary liability insurance.
• Industry-Specific Business Insurance Specialized coverage for breweries, churches, municipalities, retail businesses, and trucking companies addressing unique industry risks.
• Group Health Insurance Medical coverage for employees including PPO plans, high-deductible plans with HSA eligibility, and level-funded or self-funded solutions.
• Group Dental Insurance Dental coverage including diagnostic, preventative care, corrective services, cleanings, exams, x-rays, fillings, root canals, and orthodontia.
• Group Vision Insurance Vision coverage for exams, frames, lenses, contact lenses, and safety glasses with affordable plan options.
• Group Voluntary Benefits Optional employee benefits including critical illness, hospital indemnity, cancer coverage, and voluntary life and disability insurance.
• ERIE LifeWorks Voluntary supplemental life insurance program from Erie Family Life offering whole life and 20-year term options with payroll-deducted premiums and portable coverage.
• Group Insurance & Disability Benefits Group benefits package including short-term and long-term disability, life and AD&D, long-term care, and flexible spending accounts offered as employee benefits.

Quantifiable outcome

• Saved customers close to $800 in premium
• +2 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered primary, core and minor.

• Erie InsuranceprimaryChannel Partner/ Reseller/ DistributorFlagship insurance carrier partnership. Agency recognized as Erie Insurance Elite Award winner (top 10 agents). Strong partnership with dedicated support for Erie Insurance products including auto, home, business, and life insurance. Location hours posted for Erie-specific services.
• Selective InsurancecoreChannel Partner/ Reseller/ DistributorNational commercial and personal lines insurer offering property and casualty coverage options
• EMC InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier providing commercial and personal lines coverage
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier offering comprehensive coverage options
• Donegal InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance group offering personal and commercial coverage
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national auto and commercial insurance carrier
• Nationwide (Allied)coreChannel Partner/ Reseller/ DistributorNational insurance carrier offering personal and commercial coverage through Allied brand
• AcuitycoreChannel Partner/ Reseller/ DistributorRegional insurance carrier specializing in commercial coverage
• MarkelcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier offering commercial coverage options
• Millville Mutual Insurance CompanycoreChannel Partner/ Reseller/ DistributorRegional mutual insurance company
• Rockwood CasualtyminorChannel Partner/ Reseller/ DistributorInsurance carrier for specialized coverage
• Tuscarora WayneminorChannel Partner/ Reseller/ DistributorRegional insurance carrier
• Farmers of MarbleminorChannel Partner/ Reseller/ DistributorRegional insurance carrier
• American CollectorsminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for collector vehicles
• Bristol WestminorChannel Partner/ Reseller/ DistributorAuto insurance carrier
• DairylandminorChannel Partner/ Reseller/ DistributorAuto insurance carrier
• ForemostminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for manufactured housing and autos
• W.N. TuscanominorChannel Partner/ Reseller/ DistributorRegional insurance carrier

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Acrisure: Large and rapidly growing insurance brokerage built through aggressive agency roll-ups. Relevant as a consolidator competing for the same independent agency M&A targets and offering a comparable exit pathway.
• Brown & Brown, Inc. Large publicly traded insurance brokerage operating across the U.S. with deep retail and commercial capabilities. Comparable as a competitor for talent and acquisitions in the same mid-market segment St. Marys serves, though at vastly greater scale.
• Hub International: Major North American insurance brokerage with significant personal, commercial, and benefits capabilities. Functions as a roll-up consolidator of independent agencies — directly relevant as both a competitor and potential acquirer of agencies in St. Marys' size range.
• USI Insurance Services: Large U.S. insurance brokerage serving mid-market and large commercial clients with benefits and risk management capabilities. Comparable as a competitor in commercial P&C and employee benefits brokerage within Pennsylvania.

Direct peers

• Leavitt Group: Leavitt Group is a national network of independent insurance agencies operating across multiple U.S. states with a similar multi-line personal, commercial, and benefits book. It is one of the closest direct peers to St. Marys in agency-network model and carrier-partner strategy.
• The Hilb Group: Mid-Atlantic insurance brokerage with strong presence in the Northeast and Mid-Atlantic, including Pennsylvania-adjacent markets. Comparable in operating as an independent agency offering personal, commercial, and benefits coverage with multi-location offices.
• Tompkins Insurance Agencies: New York-based independent insurance agency group with multi-location offices offering personal, commercial, and benefits products. Comparable as a regional independent agency with carrier diversification and a similar consultative sales motion.
• Keystone Insurers Group: Pennsylvania-based alliance of independent insurance agencies. Highly comparable as a Keystone-state independent agency consortium offering shared carrier access, training, and back-office support to member agencies of similar profile to St. Marys.

Others

• Erie Insurance: St. Marys' flagship carrier partner and the source of its Elite Awards. Not a direct competitor — rather the dominant carrier in the agency's book — but a critical relationship and the strongest single determinant of the agency's economics.
• Frankenmuth Insurance: Regional mutual insurance carrier operating in the Midwest and Mid-Atlantic with a strong independent agency distribution model. Comparable as one of the regional carrier partners in St. Marys' carrier portfolio mix.

Market position

Strengths4 records

Weaknesses1 record

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCQEt9UuHaXdcUtevRWdQXCQ/featured
• Facebookfacebook.com/stmarysinsandaffiliates
• LinkedInlinkedin.com/company/st-marys-insurance-inc
• Instagraminstagram.com/stmarysinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries7 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 St. Marys Insurance Agency