Grant Insurance

What Grant Insurance does

Grant Insurance is an independent, family-owned insurance agency founded in 1936 by Lester Grant in Continental, Ohio, and now in its third generation of family leadership with David Grant serving as President and Meghan Shingledecker (JD, MBA, CPCU) as Vice President. The agency sells and services personal lines (auto, homeowners, umbrella, life), commercial lines (general liability, commercial property, workers' comp, cyber liability), farm/agricultural coverage, and Medicare products (Supplements, Advantage, Part D), acting as a broker that compares options across 14+ top-rated carriers including Erie Insurance, Cincinnati Insurance, Auto-Owners, Progressive, Nationwide, Hastings Mutual, Central Insurance, Encova, and OMIG. Distribution runs through two physical offices in Defiance (HQ at 324 Clinton St) and Continental, Ohio, supplemented by online quote forms, inside-sales agent follow-up, a CSR24-powered 24/7 client portal, and iOS/Android mobile apps.

The business model is commission-based: Grant Insurance earns carrier commissions on policies placed and renewed, with revenue mechanics tied to premium volume written rather than fees or SaaS subscriptions. The technology stack is built on Applied EPIC for agency management and policy administration, the CSR24 client portal for self-service certificate issuance, ID card access, and claims submission, and a mobile app extending access to smartphones. Marketing combines local SEO, social media (Facebook, Instagram, LinkedIn), community events/sponsorships, and the "Quotes for Kindness" charitable giving program ($10 donation per online quote or referral to local charities including United Defiance, Children's Lantern, Fort Defiance Humane Society, and Continental Community Packs for Pirates).

The customer base spans individuals, families, small/mid-sized businesses, farms, and Medicare beneficiaries across Ohio, Michigan, Indiana, and Kentucky — with a primary footprint in Northwest Ohio. The agency has no external investors, no parent company, and no PE backing; it is a multi-generational family business. Recent strategic activity includes a 2026 appointment to represent Cincinnati Insurance for personal lines, a PlanEnroll partnership for Medicare plan comparison (5 organizations, 42 products), a specialized restaurant franchisee insurance program, and deployment of native mobile apps — all consistent with incremental expansion within the existing regional franchise rather than transformative growth.

Name

Grant Insurance

Legal name

Gary C. Grant Insurance Agency, Inc.

Website

https://grantinsurance.com

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

11–50 employees

Short description

Grant Insurance is a family-owned independent insurance agency founded in 1936 in Continental, Ohio, representing 14+ carriers across two offices to serve individuals, farms, and small businesses in Northwest Ohio and the Midwest with personal, commercial, farm, life, and Medicare products.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial business insurance
• Farm insurance coverage
• Medicare plan enrollment

Headquarters

HQ city

Defiance

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: Earns commissions from insurance carriers for policies placed and renewed. As an independent agency, they represent multiple insurance companies and receive commission based on premium volume written.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Grant Insurance is an independent insurance agency that brokers personal, commercial, farm, and life insurance policies on behalf of 14+ top-rated insurance carriers. As an independent agent, the firm compares coverage options across carriers and binds policies for individuals, families, small businesses, farms, and Medicare beneficiaries across Northwest Ohio and the Midwest. Service is delivered through two physical offices, licensed local agents, a 24/7 client portal, and a mobile app.

Product overview

Grant Insurance is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The core offering includes personal lines (auto, homeowners, umbrella, life) and commercial lines (business, farm) insurance, supplemented by specialized products for Medicare beneficiaries and restaurant franchises. As an independent agency, they serve as a broker comparing options across multiple top-rated carriers to provide customized coverage. The product architecture is organized around personal insurance, business insurance, farm insurance, Medicare products, and life insurance, with add-on modules like umbrella, commercial auto, and various liability coverages. The agency also offers client services through a CSR24-powered portal and mobile app, with charitable giving through their Quotes for Kindness program.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage protecting against accidents, liability, collision, and comprehensive damage, with customizable policy options for state requirements and potential savings. Designed for individual drivers and families.
• Homeowners Insurance Comprehensive coverage safeguarding homes, personal belongings, and financial well-being from unexpected events such as fire, theft, and weather damage. Targeted at homeowners.
• Business Insurance Comprehensive coverage for small and mid-sized businesses including general liability, commercial property, professional liability, business auto, workers' compensation, and cyber liability. Designed for restaurants, franchises, and commercial enterprises.
• Farm Insurance Customizable coverage for farms of all sizes protecting buildings, livestock, equipment, and crops with property, liability, equipment, and business auto coverage options. Targeted at farmers and agricultural operations.
• Life Insurance Life insurance products including term, whole, and universal life policies plus group benefits for businesses, providing income replacement and financial protection for beneficiaries. Targeted at individuals and businesses seeking life insurance for income replacement, debt payoff, or inheritance planning.
• Medicare Products Medicare Supplements, Medicare Advantage Plans, and Part D Plans offered through partnership with PlanEnroll to help beneficiaries find appropriate coverage. Targeted at Medicare-eligible individuals.
• Umbrella Insurance Extra liability protection beyond auto and home policy limits, providing additional coverage for assets in case of large claims or lawsuits. Designed for individuals seeking additional personal liability coverage.
• Restaurant Franchisee Insurance Specialized insurance program for restaurant franchises covering property damage, liability claims, employee exposures, cyber risks, and business interruption. Targeted at restaurant franchise operators.

Quantifiable outcome

• Serving clients in Ohio, Michigan, Indiana, and Kentucky states
• +1 more outcomes

Named customers4 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

Feature3 records

Partnerships

19 partnerships are on record, tiered core, major and supporting.

• Erie InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Grant Insurance for property and casualty coverage including auto, home, and business insurance policies.
• Cincinnati InsurancecoreChannel Partner/ Reseller/ DistributorRecently appointed in 2026 to represent Cincinnati Insurance for personal lines including auto, home, umbrella, and life insurance in Northwest Ohio. Grant Insurance serves as local agency for Cincinnati Insurance policyholders.
• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented for auto, home, and commercial insurance products.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier represented for auto and related coverage options.
• Nationwide InsurancecoreChannel Partner/ Reseller/ DistributorLarge national insurance carrier represented for various personal and commercial insurance products.
• Hastings Mutual InsurancemajorChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier represented for property and casualty coverage.
• Central InsurancemajorChannel Partner/ Reseller/ DistributorInsurance carrier represented for personal and commercial insurance products.
• Encova InsurancemajorChannel Partner/ Reseller/ DistributorInsurance carrier represented for property and casualty coverage.
• Ohio Mutual Insurance Group (OMIG)majorChannel Partner/ Reseller/ DistributorOhio-based mutual insurance carrier represented for coverage products.
• Wyandot Mutual InsurancesupportingChannel Partner/ Reseller/ DistributorRegional mutual insurance company represented for coverage options.
• Hagerty InsurancesupportingChannel Partner/ Reseller/ DistributorSpecialty insurance carrier represented for classic car and collector vehicle coverage.
• Pekin InsurancesupportingChannel Partner/ Reseller/ DistributorRegional insurance carrier represented for various coverage products.
• Grinnell MutualsupportingChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier represented for insurance coverage.
• OneAmericasupportingChannel Partner/ Reseller/ DistributorFinancial services and insurance carrier represented for life insurance and related products.
• United DefiancesupportingOthersLocal charity spotlighted through the Quotes for Kindness program. United Defiance supports the Back Pack Buddy Program providing food to children qualifying for free and reduced lunches.
• Children's LanternsupportingOthersLocal charity spotlighted through the Quotes for Kindness program providing resources and support for families and children including foster, adoptive, and reunified families.
• Fort Defiance Humane SocietysupportingOthersLocal charity spotlighted through the Quotes for Kindness program. Rescues, rehabilitates, and rehomes abused, neglected, or unwanted animals.
• Continental Community Packs for PiratessupportingOthersLocal charity spotlighted through the Quotes for Kindness program providing food for students on weekends in Continental.
• PlanEnrollsupportingGTM or Marketing PartnerMedicare plan comparison and enrollment platform used by Grant Insurance to help clients shop, compare, and enroll in Medicare plans. Grant Insurance represents 5 organizations offering 42 Medicare products.

Scale indicators4 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown Insurance: Large national insurance brokerage distributing personal, commercial, and benefits products across thousands of carrier relationships. Comparable in product mix but operates at vastly larger scale with public-company resources.
• USI Insurance Services: Large national insurance brokerage serving commercial, personal, and employee benefit customers through multiple carrier relationships. Comparable product breadth but operates at enterprise scale.
• Hub International: Major North American insurance brokerage offering personal, commercial, and employee benefits through a multi-carrier model. Comparable lines but with national geographic footprint and PE backing.

Direct peers

• Higginbotham: Independent insurance brokerage offering commercial, personal, and employee benefit lines across multiple states. Highly comparable to Grant Insurance's independent-agency, multi-carrier, multi-line model.
• RPS Insurance: Regional independent insurance brokerage distributing personal, commercial, and specialty lines through multiple carriers. Directly comparable in product mix and intermediary business model.
• Leavitt Group: Network of independent insurance agencies providing personal, commercial, farm, and benefits coverage across the Western U.S. Directly comparable as a multi-carrier independent agency with similar product breadth.
• Heffernan Insurance Brokers: Independent insurance brokerage offering personal, commercial, and benefits products across the U.S. Comparable to Grant Insurance's independent brokerage model with multi-carrier representation.

Others

• Acuity Insurance: Midwest-based regional P&C carrier distributed via independent agents. Comparable regional Midwest positioning to Grant Insurance but operates as a carrier within the same agency-distribution ecosystem.
• Cincinnati Insurance: Regional P&C and life carrier distributed through independent agents; Grant Insurance was newly appointed to represent Cincinnati for personal lines in 2026. Ecosystem counterpart rather than direct competitor.
• Erie Insurance: Regional property-and-casualty insurer that distributes almost exclusively through independent agents like Grant Insurance; appears as a listed carrier partner. Comparable as ecosystem counterparty rather than direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/GrantInsAgencyInc
• LinkedInlinkedin.com/company/grant-insurance-agency
• Instagraminstagram.com/grantinsurance
• Xx.com/GrantInsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Grant Insurance