Independent Insurance Brokers & Associates

What Independent Insurance Brokers & Associates does

Independent Insurance Brokers & Associates is a privately held, family-owned independent insurance agency headquartered at 7554 Woodrow Street in Irmo, South Carolina. The agency represents over 40 nationally recognized insurance carriers — including Progressive, Travelers, Nationwide, Liberty Mutual, Berkshire Hathaway, The Hartford, AAA Life, and Auto-Owners — and distributes more than 60 distinct insurance products spanning personal lines (auto, homeowners, life, recreational, renters, umbrella), commercial lines (business owner's policy, workers' compensation, commercial auto, general liability, trucking, agribusiness, contractors, manufacturers), and specialty coverages (crop, pet, identity theft recovery, antique/classic car, surety bonds). It serves two primary customer segments: individuals and families in the Irmo, SC area and small to mid-size businesses requiring commercial coverage.

The business model is commission-based brokerage: the agency does not underwrite or manufacture insurance products but acts as an intermediary, matching clients to carrier partners and earning referral/placement commissions on policies sold and serviced. Go-to-market is sales-led and direct-to-consumer, delivered through in-person office visits, phone-based consultation, website quote forms, and an educational blog. The agency explicitly differentiates on personalized, face-to-face service, emphasizing that no automated answering systems are used and that agents work directly with clients across policy changes, claims reporting, proof-of-insurance issuance, and ongoing servicing. No app, API, or proprietary technology platform exists; the offering is relationship-driven and carrier-aggregated.

Operationally the firm is small and single-location, with no disclosed headcount (only "100+ years of combined experience"), no institutional funding, no parent company, no subsidiaries, no M&A activity, and no public listing. Revenue mechanics are entirely commission-based with pricing determined upstream by individual carriers based on client risk profiles. The addressable footprint is the Southeast US with concentrated focus on Irmo, SC and surrounding communities, and the marketing mix leans on Google Business reviews, Facebook, and content marketing through the company blog.

Name

Independent Insurance Brokers & Associates

Legal name

Independent Insurance Brokers & Associates

Website

https://scinb.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Independent Insurance Brokers & Associates is a family-owned, independent insurance agency in Irmo, SC that places personal, commercial, and specialty insurance policies from 40+ carriers for individuals, families, and small-to-mid-size businesses in the surrounding area.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Independent insurance brokerage
• Personal and commercial insurance
• Multi-carrier insurance agency
• Life and health insurance
• Recreational vehicle insurance

Headquarters

HQ city

Irmo

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, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance agency, the company earns commissions from insurance carriers for policies sold and serviced. They represent multiple nationally recognized insurance carriers and create customized insurance plans for each client's individual circumstances.
2. Insurance Service Fees: The agency provides various insurance services including policy changes, claims reporting, proof of insurance issuance, and consultation services. Revenue is generated through commissions on insurance products placed with carrier partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Independent Insurance Brokers & Associates is an independent insurance brokerage that places and services personal, commercial, life, and recreational insurance policies on behalf of clients by comparing options across 40+ nationally recognized carriers. The agency earns commissions from carrier partners for policies sold and serviced, and provides ongoing support including claims reporting, policy changes, proof of insurance, and free consultation.

Product overview

Independent Insurance Brokers & Associates is an independent insurance agency offering a comprehensive portfolio of insurance products across four core categories: Personal Insurance (auto, home, life, recreational), Business Insurance, and specialized commercial lines. The agency's service model centers on representing multiple national insurance carriers, allowing them to match clients with customized coverage plans. The product portfolio includes 60+ distinct insurance products ranging from foundational offerings like auto, homeowners, life, and business insurance to specialized coverages such as antique car insurance, crop insurance, identity theft recovery, pet insurance, and trucking insurance. As an independent agency, they do not manufacture insurance products but rather serve as intermediaries connecting clients with appropriate carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for vehicles against accidents, collision, theft, vandalism, and weather damage, including liability, comprehensive, uninsured motorist, and roadside assistance options. Placed with carrier partners on behalf of individual drivers and families.
• Homeowners Insurance Package policy covering damage and losses to a house and its contents, including dwelling coverage, personal property insurance, and liability protection. Placed with carrier partners for individual homeowners.
• Business Insurance Commercial coverage protecting businesses from liability, property damage, employee injuries, and operational risks, with policy options including BOP, general liability, workers' comp, commercial auto, and professional liability. Targeted at small and mid-size business owners.
• Life Insurance Financial protection for beneficiaries upon death, available as term life or permanent life insurance with options for income replacement and wealth transfer. Placed with carrier partners for individuals and families.
• Recreational Insurance Coverage for recreational vehicles including liability and property protection for RVs, campers, motorhomes, boats, ATVs, and travel-related risks during domestic and international trips.

Quantifiable outcome

• 100+ years combined insurance experience

Named customers3 records

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

Twelve partnerships are on record, tiered core.

• AAA LifecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering life insurance products through the agency. Listed on payment portal for policy servicing.
• Accident Fund InsurancecoreChannel Partner/ Reseller/ DistributorWorkers' compensation and commercial insurance carrier partner.
• Aegis General InsurancecoreChannel Partner/ Reseller/ DistributorGeneral insurance carrier partner.
• Allied InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering property and casualty coverage.
• American ModerncoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for manufactured homes, motorcycles, and other recreational products.
• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorProperty and casualty insurance carrier offering auto, home, and business coverage.
• Berkshire HathawaycoreChannel Partner/ Reseller/ DistributorInsurance subsidiaries including GEICO, General Re, and other property/casualty insurers.
• The HartfordcoreChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier, including business owner's policies and workers' compensation.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor property and casualty insurance carrier offering auto, home, and business coverage.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier offering auto, home, life, and business insurance products.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor auto insurance carrier known for competitive rates and coverage options.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier offering comprehensive coverage options.

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Hub International: Hub International is a large insurance brokerage serving commercial, personal, and specialty lines across North America. Overlaps with Independent Insurance Brokers on personal and commercial lines but operates at significantly larger scale with broader geographic reach.
• Brown & Brown: Brown & Brown is a large publicly traded insurance brokerage that started as an independent agency and grew via acquisition. Comparable on independent-brokerage DNA and multi-line product approach, but operates at vastly larger scale with national and specialty commercial segments.
• Acrisure: Acrisure is a tech-enabled insurance brokerage offering personal, commercial, and specialty lines with a wide carrier network. Comparable on independent-brokerage structure and product breadth, but with materially larger scale and proprietary technology investment.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm offering commercial and personal lines through many carrier relationships. Comparable multi-carrier brokerage model but with substantially larger scale, broader product set, and enterprise-focused commercial book.
• Allstate: Allstate is a major U.S. personal lines carrier with a captive agent distribution model. Direct competitor for the agency's personal lines business and illustrates the captive-distribution threat to independent agencies.
• State Farm: State Farm is the largest U.S. personal lines insurer, operating primarily through captive agents that sell only State Farm products. Represents the principal competitive alternative for personal lines customers in the Irmo, SC market and contrasts with the independent multi-carrier model.

Direct peers

• Brightway Insurance: Brightway Insurance is a franchise-based independent insurance agency that places customers with multiple carriers across home, auto, life, and commercial lines. Closely matches Independent Insurance Brokers' multi-carrier brokerage model and small-business/SMB client focus.
• Insurance Office of America: Insurance Office of America is an independent insurance brokerage offering personal, commercial, and specialty lines through a network of producers. Comparable on independent brokerage structure, multi-line product breadth, and carrier-agnostic advisory positioning.
• Goosehead Insurance: Goosehead Insurance is a publicly traded independent insurance agency franchise built on the same core model as Independent Insurance Brokers: representing multiple carriers and offering personal, commercial, and specialty lines through local agents. Highly comparable on business model, product breadth, and customer segmentation.

Others

• Liberty Mutual Insurance: Liberty Mutual is a major property and casualty carrier that Independent Insurance Brokers represents as a channel partner. Relevant as both a peer (insurer) and a supplier/partner that defines product access and commission economics for the agency.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Independent-Insurance-Brokers-Associates-156237387749316
• LinkedInlinkedin.com/company/independent-insurance-brokers-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 Independent Insurance Brokers & Associates