CW Howard Insurance Agency
C.W. Howard Insurance Agency is a Butler, Pennsylvania-based independent property and casualty insurance brokerage founded in 1951, serving commercial and personal lines clients throughout Pennsylvania. It operates as a subsidiary of Arthur J. Gallagher & Co. following the AssuredPartners integration.
- Company typePrivate
- Founded1951
- HeadquartersButler, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What CW Howard Insurance Agency does
C.W. Howard Insurance Agency is an independent property and casualty insurance agency founded in 1951 and headquartered at 405 West Jefferson Street in Butler, Pennsylvania. The agency serves both commercial and personal lines clients throughout Pennsylvania, offering coverage for business property, liability, and commercial risks, as well as personal auto, home, and personal liability products. Operating with 101–250 employees, it functions as a traditional brokerage distributing carrier products via direct sales through professional insurance consultants, with no proprietary technology platform of its own.
The agency's revenue model is built on insurance commissions earned on policies placed with carrier partners, with pricing determined through individual risk assessments and quote-based billing on an annual cadence. Its customer base is horizontally segmented across commercial clients (businesses of various sizes and industries) and personal lines clients (individuals and families), with no disclosed anchor customers or concentrated accounts. Distribution is conducted through direct consultant relationships and digital inquiry channels connecting prospects to Gallagher consultants.
Since acquisition as part of AssuredPartners, the agency has been integrated into Arthur J. Gallagher & Co. (NYSE: AJG), a Fortune 500 global insurance, risk management, and benefits consulting firm. Under the Gallagher brand, CW Howard now has access to expanded carrier relationships, industry-leading capabilities, innovative analytical tools, and broader product offerings — including loss control, claims management, and enterprise risk management services — while maintaining its local Butler, Pennsylvania community presence.
CW Howard Insurance Agency firmographics
Firmographics- Name
- CW Howard Insurance Agency
- Legal name
- C.W. Howard Insurance Agency
- Website
- https://howardinsurance.com
- Company type
- Private
- Founded year
- 1951
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- C.W. Howard Insurance Agency is a Butler, Pennsylvania-based independent property and casualty insurance brokerage founded in 1951, serving commercial and personal lines clients throughout Pennsylvania. It operates as a subsidiary of Arthur J. Gallagher & Co. following the AssuredPartners integration.
- Ownership category
- akta.pro rank
CW Howard Insurance Agency industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Commercial Lines Insurance Brokerage (FSAEADAB)
- akta.pro secondary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
Keywords
Where CW Howard Insurance Agency is headquartered
LocationHeadquarters
- HQ city
- Butler
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CW Howard Insurance Agency business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Insurance Commissions: The agency earns commissions from placing property and casualty insurance products with commercial and personal lines clients. Revenue is generated through commissions on insurance policies sold to businesses and individuals throughout Pennsylvania.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Quote-based insurance products |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
CW Howard Insurance Agency product offering
Product offeringCore offering
C.W. Howard Insurance Agency is an independent property and casualty insurance agency headquartered in Butler, Pennsylvania. The agency places commercial and personal lines insurance coverage with multiple carriers on behalf of businesses and individuals throughout Pennsylvania. It operates as part of Arthur J. Gallagher & Co.'s network following the AssuredPartners integration, giving clients access to broader risk management, claims, and consulting resources.
Product overview
CW Howard Insurance Agency is a property and casualty insurance agency that provides insurance products and risk management solutions to both commercial and personal lines clients throughout Pennsylvania. The agency operates as part of Gallagher (formerly AssuredPartners) and offers two core product categories: Commercial Lines coverage for businesses of various types, and Personal Lines coverage for individuals and families. The agency leverages Gallagher's broader portfolio of insurance capabilities including loss control, claims management, and enterprise risk management services.
Differentiator
Problem solved
Functional benefit
Products and services
- Property and Casualty Insurance - Commercial Lines
- Property and Casualty Insurance - Personal Lines
Companies that use CW Howard Insurance Agency
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
CW Howard Insurance Agency technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CW Howard Insurance Agency partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Gallagher (Arthur J. Gallagher & Co.)coreC.W. Howard Insurance Agency is one of several AssuredPartners agencies that joined Gallagher. The agency now operates under Gallagher's brand, providing access to expanded insurance and risk management options, augmented portfolio of industry-leading capabilities, innovative analytical tools, and broad product offerings. The transition combines local community presence with Gallagher's global resources and expertise.
Scale indicators1 record
Recent moves5 records
Expansion highlights3 records
CW Howard Insurance Agency competitors and assessment
Company assessmentBroad incumbents
- Marsh McLennan: Global insurance brokerage and risk advisory parent of Marsh. Overlaps with CW Howard in commercial P&C brokerage but operates at vastly greater scale with a much broader portfolio.
- Arthur J. Gallagher & Co. Direct parent of CW Howard and one of the largest global insurance brokerages. Closely comparable in product lines (commercial and personal P&C, risk management) but far larger in scale and geographic reach.
Direct peers
- USI Insurance Services: National insurance brokerage serving middle-market commercial clients with property and casualty programs. Comparable to CW Howard in commercial lines focus, risk advisory positioning, and dependence on local agency relationships.
- Brown & Brown, Inc. Large independent insurance brokerage distributing commercial and personal P&C coverage through a network of local offices. Closely comparable to CW Howard as a multi-line independent agency platform operating at greater scale.
- Acrisure: Rapidly growing insurance brokerage serving commercial and personal lines clients via acquired local agency partners. Directly comparable to CW Howard in that both operate multi-line P&C distribution through a roll-up of regional agencies.
- AssuredPartners (legacy agencies): Pre-acquisition independent agency network that included CW Howard and several PA-based sister agencies (Doug Croley, Franklin, Howey & Associates, Jack Rice, JGS Advisors, Saginaw Bay Underwriters). Most structurally comparable cluster of regional P&C agencies.
Regional players
- Erie Insurance: Pennsylvania-headquartered P&C insurer that distributes heavily through independent agents in the Mid-Atlantic. Competes with CW Howard for the same PA personal and small-commercial lines accounts through agent appointments.
- Donegal Group: Regional P&C insurance group focused on the Mid-Atlantic and Northeast, working through independent agents. Directly competes for the same Pennsylvania commercial and personal lines business CW Howard serves.
Emerging players
- Lemonade: Digital-first InsurTech carrier targeting personal lines consumers with a mobile/online experience. Competes with CW Howard's personal lines book on price and convenience rather than via a local agent relationship.
- Hiscox: Specialty commercial insurer and small-business-focused carrier that distributes through digital and broker channels. Adjacent competitor to CW Howard's commercial book, particularly for SMB professional and small commercial risks.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
CW Howard Insurance Agency social profiles
Digital presenceCW Howard Insurance Agency financial estimates
Financial estimateRevenue estimate
Valuation estimate
CW Howard Insurance Agency leadership team
Management profileNumber of profiles
CW Howard Insurance Agency funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CW Howard Insurance Agency M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CW Howard Insurance Agency
What does CW Howard Insurance Agency do?
C.W. Howard Insurance Agency is an independent property and casualty insurance agency headquartered in Butler, Pennsylvania. The agency places commercial and personal lines insurance coverage with multiple carriers on behalf of businesses and individuals throughout Pennsylvania. It operates as part of Arthur J. Gallagher & Co.'s network following the AssuredPartners integration, giving clients access to broader risk management, claims, and consulting resources.
Is CW Howard Insurance Agency a public or private company?
CW Howard Insurance Agency is a private company. It is classified as corporate owned and is currently operating.
When was CW Howard Insurance Agency founded?
CW Howard Insurance Agency was founded in 1951. It employs 101 to 250 people.
Where is CW Howard Insurance Agency based?
CW Howard Insurance Agency is headquartered in Butler, United States, in the North America region.
How does CW Howard Insurance Agency make money?
One revenue line is on record: insurance Commissions.
Who are CW Howard Insurance Agency's main competitors?
Broad incumbents on record are Marsh McLennan and Arthur J. Gallagher & Co.. Direct peers are USI Insurance Services, Brown & Brown, Inc., Acrisure and AssuredPartners (legacy agencies). Regional players are Erie Insurance and Donegal Group. Emerging players are Lemonade and Hiscox.
Does CW Howard Insurance Agency have an API?
No public API is recorded for CW Howard Insurance Agency.
What industry is CW Howard Insurance Agency in?
CW Howard Insurance Agency's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAEADAB, Commercial Lines Insurance Brokerage, with a secondary code of FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 524210 and its SIC code is 6411.