BCA Insurance Group

What BCA Insurance Group does

BCA Insurance Group is an independent regional insurance brokerage headquartered in Northfield, New Jersey, serving businesses and individuals across New Jersey, New York, and Pennsylvania. The firm operates as an independent agency representing more than 40 insurance carriers, including national names such as AIG, Berkshire Hathaway, CNA, Liberty Mutual, Nationwide, Progressive, and Travelers, alongside regional and specialty providers. Its product portfolio spans commercial lines (general liability, commercial auto, commercial property, workers compensation, D&O, EPL, professional liability/E&O, and umbrella), personal lines (auto, home, flood, renters, health, and umbrella), surety bonds (contract, site, court, commercial, and miscellaneous), and risk management consulting. The firm concentrates its go-to-market in three industry verticals: construction contractors, hospitality/entertainment (including amusement parks), and manufacturing/distribution.

The company distributes products through a multi-channel model: direct in-person consultation at offices in Northfield, Marlton (temporarily closed for construction), and Linwood; phone-based inside sales supported by website quote forms; and self-service online portals, most notably a partnership with RLI Insurance enabling online bond applications up to $500,000 and a third-party-hosted special event liability portal. The firm has codified its service methodology into a proprietary "Our Pledge" program that mandates a 30-day pre-renewal review covering exposure, claims, coverage, and marketplace analyses for commercial clients. A dedicated claims advocacy function represents clients with underwriters and reviews policy terms ahead of loss events.

BCA earns revenue primarily through insurance commissions paid by carriers on placed premiums, supplemented by transaction fees on surety bond placements. The firm is privately held, with ownership concentrated among three principals—President Brett Balsley, EVP Lawrence Cohen, and VP/Resident Partner Nick Cashan—and has no institutional investors, parent company, or disclosed funding events. Operations are supported by approximately 21 employees spanning commercial lines, personal lines, surety, risk management, and back-office functions, and the firm has pursued modest but consistent organic scaling, most recently extending into employee benefits through an affiliation with Saratoga Benefit Services.

Name

BCA Insurance Group

Legal name

BCA Insurance Group

Website

https://bca-insurance.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

BCA Insurance Group is an independent regional insurance brokerage headquartered in Northfield, New Jersey, serving businesses and individuals across New Jersey, New York, and Pennsylvania with commercial insurance, personal insurance, surety bonds, and risk management services through 40+ carrier partnerships and three specialized industry verticals.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

akta.pro secondary industries

Directors & Officers (D&O) Liability (FSAJADAF), Product Liability (FSAJADAC), Standalone Umbrella Liability (FSAJANAE), Product Liability & Recall (FSAJAGAG)

Keywords

• Commercial insurance brokerage
• Personal lines insurance
• Surety bond services
• Risk management consulting
• Insurance carrier agency

Headquarters

HQ city

Northfield

HQ country

United States

HQ region

North America

Offices3 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: BCA Insurance Group operates as an independent insurance agency/broker earning commissions from insurance carriers for policies placed. They represent multiple insurance companies and receive compensation based on placed premiums.
2. Bond Services: Fees for surety bond placement services including contract bonds, commercial surety bonds, court bonds, and site bonds for construction and commercial clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

BCA Insurance Group is an independent insurance brokerage agency that places commercial and personal insurance policies on behalf of clients through 40+ carrier partners. The firm designs customized coverage programs across general liability, commercial auto, workers compensation, commercial property, professional liability, personal auto/home/flood, umbrella, and surety bonds, supported by claims advocacy and risk management consulting.

Product overview

BCA Insurance Group operates as an insurance brokerage agency offering a comprehensive portfolio of commercial and personal insurance products alongside specialized bond services and risk management consulting. The commercial insurance suite includes General Liability, Commercial Auto, Commercial Property, Workers Compensation, Directors & Officers Liability, Employment Practices Liability, Professional Liability (E&O), and Umbrella coverage. Personal insurance products encompass Auto, Home, Flood, Renters, Health, and Umbrella insurance. The company also provides extensive surety bond services including Contract Bonds (bid, performance, payment, maintenance), Site Bonds, Court Bonds, and Miscellaneous Bonds for various industries. Risk management services include risk assessment, hazard mitigation, OSHA compliance assistance, and an eight-week Health & Safety program. BCA serves specialized industry verticals including Construction, Hospitality/Entertainment, and Manufacturing/Distribution. The company distributes these products through partnerships with numerous insurance carriers including AIG, Berkshire Hathaway, CNA, Nationwide, Liberty Mutual, and others. This is a traditional insurance brokerage model rather than a unified software platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Auto Insurance Insurance coverage for business vehicles including comprehensive, collision, liability, medical payments, emergency roadside assistance, loss of earnings, and uninsured motorist protection; designed for businesses operating vehicle fleets.
• General Liability Insurance Coverage for legal fees, bodily injury, property damage, and personal injury claims arising from business operations; designed for small to mid-sized businesses across industries.
• Workers Compensation Insurance Coverage for medical costs and partial lost wages for employees injured or ill on the job, including employer liability protection; designed for employers across construction, hospitality, manufacturing, and general commercial industries.
• Commercial Property Insurance Insurance protecting business physical assets including buildings, equipment, inventory, furniture, and business income against loss; designed for businesses with owned or leased commercial property.
• Directors and Officers Liability Insurance Coverage for claims and lawsuits arising from alleged wrongful acts by company officers and directors; designed for small to mid-sized businesses and middle-market companies.
• Employment Practices Liability Insurance Protection from employee claims including sexual harassment, discrimination, and emotional distress; designed for employers seeking coverage for employment-related liability.
• Professional Liability (Errors & Omissions) Insurance Coverage for professionals such as doctors, lawyers, and engineers for claims arising from errors, omissions, or failure to properly perform services; designed for professional service firms.
• Personal Auto Insurance Personal automobile coverage including basic, standard, collision, comprehensive, and uninsured/underinsured motorist protection; designed for individuals and families in New Jersey, New York, and Pennsylvania.
• Home Insurance Homeowner coverage for structural damage, personal belongings, additional living expenses, and liability protection; designed for homeowners in New Jersey, New York, and Pennsylvania.
• Flood Insurance Coverage for water damage from storms, hurricanes, mudflows, and melting snow, including NFIP and private alternatives; designed for property owners in coastal and high-risk flood areas.
• Renters Insurance Coverage for personal belongings against theft, fire, vandalism, and water damage, plus liability and additional living expenses; designed for renters.
• Health Insurance Health coverage for medical and surgical expenses, medication, therapy, and routine preventive care; designed for individuals and families.
• Surety Bond Services Surety bond services including performance, maintenance, supply, payment, bid, permit, license, site, contract, and court bonds; designed for construction contractors, developers, and businesses needing regulatory compliance bonds.
• Risk Management Consulting Risk assessment, hazard identification, control measures, worker training, accident investigation, and emergency recovery planning services; designed for businesses needing structured risk mitigation support.
• Special Event Liability Insurance Liability coverage for special events including protection against attendee injuries and property damage; designed for event organizers and hosts.

Quantifiable outcome

• 30-day pre-renewal review process ensures clients receive exposure analysis, claims analysis, coverage analysis, and marketplace summary before policy renewal
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

43 partnerships are on record, tiered core, growth, regional and specialty.

• RLI InsurancecoreTechnology or IntegrationBCA Insurance Group partners with RLI Insurance to provide a Quick and Easy Self Service Bond Portal enabling contractors to apply for bonds up to $500,000 online. This partnership streamlines the traditionally complex surety bond application process for construction clients.
• Saratoga Benefit ServicesgrowthStrategic or Co-development PartnerStrategic affiliation created to expand BCA's capabilities in the employee benefits arena while providing the same caliber of service that BCA offers their insurance risk-management clients.
• AIGcoreOthersInsurance carrier partner offering commercial and personal insurance products through BCA's agency.
• Berkshire Hathaway GuardcoreOthersInsurance carrier partner providing commercial insurance coverage through BCA.
• CNA InsurancecoreOthersMajor insurance carrier partner offering commercial and surety products through BCA.
• Liberty MutualcoreOthersNational insurance carrier partner providing commercial and business insurance through BCA.
• NationwidecoreOthersNational insurance carrier partner offering business and commercial insurance products.
• ProgressivecoreOthersInsurance carrier partner offering auto and commercial insurance through BCA.
• TravelerscoreOthersMajor commercial insurance carrier partner providing business owner policies and commercial coverage.
• The HartfordcoreOthersNational insurance carrier partner offering commercial auto and business insurance products.
• Cumberland MutualregionalOthersRegional New Jersey insurance carrier partner providing commercial insurance products.
• Farmers of SalemregionalOthersRegional New Jersey insurance carrier partner serving local clients through BCA.
• NJM InsuranceregionalOthersRegional New Jersey insurance carrier partner offering business and personal insurance.
• Plymouth RockregionalOthersRegional insurance carrier partner providing auto and business insurance through BCA.
• AllriskscoreOthersInsurance carrier partner providing specialty commercial insurance products.
• AmTrustcoreOthersInsurance carrier partner offering commercial lines coverage including workers compensation.
• Foremost Insurance GroupcoreOthersInsurance carrier partner specializing in personal lines and specialty insurance products.
• HagertyspecialtyOthersSpecialty insurance carrier partner for classic car and collector vehicle insurance.
• Hanover InsurancecoreOthersCommercial insurance carrier partner offering business owner policies and commercial coverage.
• HiscoxcoreOthersInsurance carrier partner offering commercial and professional liability coverage.
• Merchants Insurance GroupregionalOthersRegional insurance carrier partner providing business insurance products.
• National General InsurancecoreOthersInsurance carrier partner offering auto and commercial insurance products.
• Neptune FloodspecialtyOthersSpecialty flood insurance carrier partner providing coverage for coastal and high-risk flood areas.
• Preferred MutualregionalOthersRegional insurance carrier partner serving New Jersey and regional clients.
• Selective InsurancecoreOthersCommercial insurance carrier partner providing business and construction insurance.
• SwyfftspecialtyOthersSpecialty insurance carrier partner providing auto and home insurance products.
• Universal Property and Casualty InsurancespecialtyOthersProperty insurance carrier partner specializing in residential coverage.
• UPC InsurancespecialtyOthersProperty insurance carrier partner providing residential and commercial property coverage.
• Vault InsurancespecialtyOthersSpecialty insurance carrier partner providing commercial insurance products.
• Wright FloodspecialtyOthersFlood insurance specialist carrier partner providing NFIP and private flood coverage.
• Eastern AlliancecoreOthersWorkers compensation insurance carrier partner specializing in regional coverage.
• Cabrillo CoastalregionalOthersRegional insurance carrier partner providing coastal property coverage.
• Crum ForstercoreOthersInsurance carrier partner providing specialty commercial insurance products.
• Seneca InsuranceregionalOthersInsurance carrier partner providing commercial property coverage.
• Stillwater InsuranceregionalOthersInsurance carrier partner providing specialty property coverage.
• TFIAregionalOthersRegional insurance carrier partner providing commercial coverage.
• United Marine UnderwritersspecialtyOthersMarine insurance specialist carrier partner for watercraft and marine business coverage.
• Utica InsuranceregionalOthersInsurance carrier partner providing commercial property and casualty coverage.
• USLIspecialtyOthersSpecialty insurance carrier partner providing small business and commercial coverage.
• American Mining InsurancespecialtyOthersSpecialty insurance carrier partner for mining and related industry coverage.
• Apogee InsurancespecialtyOthersInsurance carrier partner providing specialty commercial insurance.
• Atlas General Insurance ServicesspecialtyOthersInsurance carrier partner providing general commercial coverage.
• RPS (Rappahannock Professional Services)regionalOthersInsurance carrier partner providing specialty professional coverage.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Acrisure: Tech-enabled insurance brokerage built through aggressive acquisitions of regional agencies. Comparable in offering multi-line commercial and personal brokerage with a strong regional-to-national growth trajectory.
• World Insurance Associates: Fast-growing U.S. insurance brokerage with a roll-up strategy focused on regional commercial and personal lines agencies. Direct peer in business model and acquisition-led growth, serving as a relevant comparison for BCA's inorganic potential.

Broad incumbents

• Lockton Companies: Largest independent insurance brokerage globally, with strong specialty commercial practices and middle-market focus. Relevant peer for the upper end of BCA's competitive set.
• Brown & Brown, Inc. Large national insurance brokerage with extensive carrier access and commercial programs across the U.S. Represents the scaled, multi-vertical incumbent against which regional brokerages like BCA compete.
• Marsh McLennan: Global professional services firm with Marsh brokerage division covering commercial insurance, surety, and risk management across all major verticals. Represents the upper-bound incumbent peer.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm with deep commercial lines capabilities. Sets the bar for carrier breadth, vertical specialization, and risk management consulting that BCA aspires to at regional scale.
• USI Insurance Services: Large national brokerage serving middle-market commercial clients across property/casualty, employee benefits, and surety. Comparable middle-market and specialty-vertical orientation as BCA.

Regional players

• Conner Strong & Buckelew: Large Mid-Atlantic insurance brokerage and risk management firm with similar commercial and personal lines focus and strong Northeast footprint. Highly comparable regional broker competing for similar construction, hospitality, and middle-market clients.
• EHD Insurance: Mid-Atlantic commercial insurance brokerage serving construction, manufacturing, and other commercial verticals. Comparable regional scale and carrier-broker model to BCA.

Emerging players

• Surety Associates: Specialty surety bond agency serving construction contractors and commercial clients, directly comparable to BCA's bond practice including contract, court, and commercial surety bonds.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/BCAInsuranceGroup
• LinkedInlinkedin.com/company/bca-insurance-group
• Instagraminstagram.com/bcainsurancegroup
• Xx.com/bcainsurancenj

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 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 BCA Insurance Group