CW Howard Insurance Agency

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.

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

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

• Property casualty insurance
• Commercial insurance
• Personal lines insurance
• Risk management services
• Independent insurance agency

Headquarters

HQ city

Butler

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, Others

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core 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

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Gallagher (Arthur J. Gallagher & Co.)coreStrategic or Co-development PartnerC.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

Broad 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

• LinkedInlinkedin.com/company/cw-howard-insurance-agency-inc

Revenue estimate

Valuation estimate

Number of profiles

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 CW Howard Insurance Agency