The Insurancenter

What The Insurancenter does

The Insurancenter is an independent insurance agency founded in 1895 and headquartered at 2901 Arizona Avenue in Joplin, MO. The firm operates as a multi-line broker placing personal, commercial, employee benefits, and specialty insurance through approximately ten carrier partnerships (Nationwide, Travelers, EMC Insurance, Liberty Mutual, Auto-Owners, Missouri Employers Mutual, Anthem, United Healthcare, The Hartford, and Accident Fund), and earns commissions on premiums across all four product lines on an annual billing cycle.

Its core product surface spans personal lines (homeowners, auto, renters, motorcycle, RV, boat, umbrella), business insurance (commercial property, general liability, workers comp, BOP, builders risk, cyber, surety bonding), employee benefits (group health, dental, vision, life, disability, long-term care, voluntary benefits, 401(k)/FSAs), and a national Car Wash Insurance Program launched in 1986 covering self-service, express tunnel, flex-service, full-service, and multi-location car wash operations. Technology is non-proprietary; the firm relies on standard industry tools, a third-party Insurance Website Builder, online quote-request forms, and a client self-service portal rather than any disclosed AI/ML, API, or proprietary platform. No patents, certifications, or technology acquisitions are documented.

The business model is commission-based insurance intermediation: the firm is paid by carriers for new and renewal policies placed with clients. Go-to-market is sales-led via phone, in-person consultation, website quote forms, a Refer-a-Friend program, and organic social (Facebook, LinkedIn, Google Maps). The agency serves families, individuals, small-to-medium businesses, employers seeking group benefits, and car wash operators nationally, and it operates as a member company of Sunstar Insurance Group LLC under family/management-led private ownership led by President & CEO Scott Brothers.

Name

The Insurancenter

Legal name

The Insurancenter

Website

https://theinsurancenter.com

Company type

Private

Founded year

1895

Operating status

Operating

Headcount range

11–50 employees

Short description

The Insurancenter is an independent, family-operated insurance agency founded in 1895 in Joplin, MO, placing personal, commercial, employee benefits, and specialty (car wash) coverage through multiple carrier partnerships for families, SMBs, employers, and car wash operators nationwide.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Basic Group Term Life (Employer-Paid) (FSAIADAA), Group AD&D Insurance (Employer-Sponsored) (FSAIALAA), Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal lines coverage
• Employee benefits insurance
• Car wash insurance program

Headquarters

HQ city

Joplin

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

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, The Insurancenter earns commissions from multiple insurance carriers (Nationwide, Travelers, EMC, Liberty Mutual, Auto Owners, Missouri Employers Mutual, Anthem, United Healthcare, The Hartford, Accident Fund) for placing insurance policies with their clients. Revenue is generated through commissions on new policy placements and renewals across commercial insurance, personal insurance, employee benefits insurance, and specialty lines such as car wash insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

The Insurancenter is an independent insurance agency that intermediates personal, commercial, and employee benefits insurance policies on behalf of clients through multiple carrier relationships, including Nationwide, Travelers, EMC, Liberty Mutual, Auto-Owners, Missouri Employers Mutual, Anthem, United Healthcare, The Hartford, and Accident Fund. The agency places coverage across personal lines (homeowners, auto, renters, motorcycle, RV, boat, umbrella), commercial lines (commercial property, general liability, workers compensation, commercial auto, business owners policy, builders risk, D&O, cyber liability), employee benefits (group health, dental, vision, life, disability, long-term care, voluntary benefits, 401(k), FSAs), and a national specialty Car Wash Insurance Program.

Product overview

The Insurancenter is an independent insurance agency founded in 1895, offering a broad spectrum of insurance products across commercial insurance, personal insurance, employee benefits insurance, surety bonding, and a national car wash insurance program. The agency operates as a full-service insurance broker with multiple product lines including Personal Insurance (homeowners, auto, renters, motorcycle, RV, boat), Business Insurance (commercial property, general liability, business owners policy), Employee Benefits (health, dental, vision, life, disability, long-term care), and their specialty Car Wash Insurance Program which was the first insurance program developed specifically for car washes in 1986 and remains a national leader. Products are distributed through trusted carrier relationships including Nationwide, Travelers, EMC, Liberty Mutual, Auto Owners, Missouri Employers Mutual, Anthem, United Healthcare, The Hartford, and Accident Fund.

Differentiator

Problem solved

Functional benefit

Brands

• Car Wash Insurance Program: National insurance program for car wash operations, the first of its kind in the industry introduced in 1986, covering various car wash types including automatic, express tunnel, flex service, full-service, and self-service.

Products and services

• Personal Insurance Property and casualty insurance products for individuals and families, including homeowners, auto, renters, motorcycle, RV, boat, and personal umbrella coverage. Designed for households in the Joplin, MO area and surrounding regions.
• Business Insurance Commercial insurance products including commercial property, general liability, business income, equipment breakdown, and business owners policy (BOP) coverage, plus specialty commercial needs such as workers compensation, commercial auto, builders risk, D&O, cyber liability, and surety bonding for small and medium businesses.
• Employee Benefits Employee benefit programs for employers, including group health insurance, dental, vision, group life, business life, short- and long-term disability, long-term care, hospital indemnity, voluntary benefits, 401(k), and FSAs. Designed for businesses seeking ACA-compliant benefits packages.
• Car Wash Insurance Program National specialty insurance program for car wash operations covering building and equipment, commercial liability, garage keepers legal liability, workers compensation, cyber liability, and business income coverage. Eligible classes include Automatic, Express Tunnel, Flex Service, Full-Service, and Self-Service car washes, including multi-profit centers. Operates nationwide and was the first program of its kind launched in 1986.
• Motorcycle Insurance Motorcycle insurance covering liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection, with optional roadside assistance and custom parts coverage. Targeted at individual riders.
• Surety Bonding Surety bond services offered as part of the insurance product portfolio for businesses needing bonded obligations.

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and flagship.

• NationwidecoreOthersTrusted insurance carrier partner providing coverage options for personal and commercial insurance products offered by The Insurancenter.
• TravelerscoreOthersTrusted insurance carrier partner providing coverage options for personal and commercial insurance products offered by The Insurancenter.
• EMC InsurancecoreOthersTrusted insurance carrier partner providing coverage options for personal and commercial insurance products offered by The Insurancenter.
• Liberty MutualcoreOthersTrusted insurance carrier partner providing coverage options for personal and commercial insurance products offered by The Insurancenter.
• Auto-OwnerscoreOthersTrusted insurance carrier partner providing coverage options for personal and commercial insurance products offered by The Insurancenter.
• Missouri Employers MutualcoreOthersWorkers compensation insurance carrier partner specializing in Missouri employers coverage.
• AnthemcoreOthersHealth insurance carrier partner providing employee benefits coverage options including group health insurance.
• United HealthcarecoreOthersHealth insurance carrier partner providing employee benefits coverage options including group health insurance.
• The HartfordcoreOthersTrusted insurance carrier partner providing coverage options for business and commercial insurance products.
• Accident FundcoreOthersWorkers compensation insurance carrier partner providing coverage options for business clients.
• Sunstar Insurance Group LLCflagshipOthersThe Insurancenter is a member company of Sunstar Insurance Group LLC, providing parent company affiliation and group resources.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Acrisure: Large, fast-growing insurance brokerage platform built on aggregating independent agencies; comparable on the multi-carrier independent agency model and acquisitive growth strategy.
• Lockton Companies: Large independent insurance brokerage distributing multi-carrier commercial, personal, and benefits products; comparable on independent ownership and carrier-agnostic distribution.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm placing personal, commercial, and benefits lines via multiple carriers; comparable on the brokerage-and-advisory distribution model.
• HUB International: Large North American insurance brokerage with regional offices that broker personal, commercial, and benefits lines on behalf of multiple carriers; comparable on independent agency model at much greater scale.
• Brown & Brown: National insurance brokerage and risk management firm distributing multiple carrier products across personal, commercial, and benefits; comparable on commission-based revenue model and multi-line agency structure.
• Marsh McLennan: Global professional services firm combining insurance brokerage (Marsh) and risk advisory; comparable on the multi-carrier brokerage model and the role of intermediating between carriers and insureds.

Direct peers

• Goosehead Insurance: Direct-to-consumer independent insurance agency franchise model, also brokering personal lines from multiple carriers; directly comparable on multi-carrier independent agency operations and digital quote-led acquisition.
• Burns & Wilcox: Specialty insurance wholesale brokerage and managing general agency with niche industry programs; comparable on the specialty-program model that The Insurancenter uses for its national car wash initiative.
• Insurance Office of America: Large independent insurance agency offering personal, commercial, and employee benefits brokerage; comparable on multi-carrier independent model with carrier roster of national and regional insurers.

Emerging players

• RPS (Risk Placement Services): Specialty lines insurance broker and MGA building niche industry programs similar to The Insurancenter's car wash program; comparable on specialty carrier panel access and niche underwriting expertise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/theinsurancenter
• LinkedInlinkedin.com/company/theinsurancenter
• Xx.com/dinsurancenter

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 The Insurancenter