Ray M Bitting Insurance Agency

What Ray M Bitting Insurance Agency does

Ray M Bitting Insurance Agency is a privately held, independent insurance brokerage headquartered in Loysville, Pennsylvania, with a second office in Boiling Springs. The agency operates under a traditional independent agency model, representing multiple insurance carriers rather than being captive to a single insurer. Its carrier panel includes Goodville Mutual, Allied Insurance, Progressive, Lititz Mutual, Foremost Insurance, Hagerty, and Safeco Insurance, allowing the agency to shop coverage across providers for each customer.

The agency's product portfolio is organized into two core lines. The commercial line covers property, business owners packages, tradesman coverage, general and garage liability, workers compensation, builders risk, automobile, inland marine, boiler and machinery, crime, computer coverage, bonds, flood, bailees insurance, business interruption, special events, trucking, farm, and church coverage. The personal line includes homeowners, country home, home/renter/condo, mobile homeowners, farm, umbrella, boatowners, recreational vehicle, motorcycle/ATV, auto, and life insurance. The underlying technology stack is non-proprietary: the agency relies on a Thryv-hosted website and standard carrier-provided platforms for quoting, billing, and claims management.

The agency generates revenue through commissions paid by insurance carriers on policies placed, with the commission stream recurring through policy renewals. Distribution is relationship-driven and direct-to-consumer, conducted through in-person visits at the two offices, phone consultations via local and toll-free numbers, and email. Marketing is primarily local, leveraging the website, Facebook presence, and community footprint in central Pennsylvania. Pricing is quote-based and not publicly disclosed, with multi-policy discounts available through represented carriers. The agency is privately owned with no disclosed venture, private equity, or institutional investor involvement.

Name

Ray M Bitting Insurance Agency

Legal name

Ray M. Bitting Insurance Agency

Website

https://bittingins.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Ray M Bitting Insurance Agency is a privately held independent insurance brokerage in central Pennsylvania that represents multiple carriers to provide commercial and personal insurance coverage to local individuals, families, farms, and small businesses.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

akta.pro secondary industry

Non-Trucking Liability / Bobtail (FSAJABAD)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal insurance products
• Multi-carrier insurance
• Property casualty insurance

Headquarters

HQ city

Loysville

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

Revenue model

1. Insurance commissions: The agency earns commissions from insurance carriers for policies placed on behalf of customers. As an independent agency representing multiple insurance companies, they receive commission based on premium volume written. This is a recurring revenue model tied to policy renewals and new business production.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Ray M Bitting Insurance Agency is an independent insurance brokerage that places personal and commercial insurance on behalf of customers by representing multiple carriers (Goodville Mutual, Allied, Progressive, Lititz Mutual, Foremost, Hagerty, Safeco). The agency operates two distinct product lines — Commercial Insurance and Personal Insurance — and earns commissions from carriers based on premium volume and policy renewals. Service is delivered through two Pennsylvania offices (Loysville and Boiling Springs) and by phone, with personalized quoting, policy servicing, and claims advocacy.

Product overview

Ray M Bitting Insurance Agency is an independent insurance brokerage that represents multiple insurance companies to offer customized coverage solutions. The agency operates two distinct product lines: Commercial Insurance (including Property, Business Owners Packages, Tradesman Cover Plus, Business Cover Plus, Liability, Garage Liability, Workers Compensation, Builders Risk, Automobile, Inland Marine, Boiler and Machinery, Crime, Computer Coverage, Bonds, Flood, Bailees Insurance, Business Interruption and Extra Expense, Special Events Coverages, Trucker, Church, Farm, and Umbrella Liability) and Personal Insurance (including Homeowners, Country Home, Home/Renter/Condo, Home Business, Mobile Homeowners, Farm, Umbrella, Boatowners, Recreational Vehicle, Motorcycle/ATV, Auto, and Life insurance). The agency leverages its multi-company representation to provide competitive options and personalized coverage for both business and individual customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance Comprehensive commercial insurance program for small to mid-sized local businesses, including Property, Business Owners Packages, Tradesman Cover Plus, Business Cover Plus, Liability, Garage Liability, Workers Compensation, Builders Risk, Automobile, Inland Marine, Boiler and Machinery, Crime, Computer Coverage, Bonds, Flood, Bailees Insurance, Business Interruption and Extra Expense, Special Events Coverages, Trucking, Church, Farm, and Umbrella coverage.
• Personal Insurance Personal insurance program for individuals and families, including Homeowners, Country Home, Home/Renter/Condo, Home Business, Mobile Homeowners, Farm, Umbrella, Boatowners, Recreational Vehicle, Motorcycle/ATV, Auto, and Life coverage.
• Homeowners Insurance Standard homeowners insurance coverage for personal residences.
• Country Home Insurance Insurance coverage tailored for country and rural residential properties.
• Home/Renter/Condo Insurance Insurance coverage for homeowners, renters, and condominium owners.
• Mobile Homeowners Insurance Specialized insurance coverage for mobile and manufactured homes.
• Auto Insurance Auto insurance coverage for personal and commercial vehicles.
• Life Insurance Life insurance options for personal customers to protect families and plan for the future.
• Boatowners Insurance Insurance coverage for boat owners to protect watercraft and related liabilities.
• Recreational Vehicle Insurance Insurance coverage for recreational vehicles including RVs and related recreational assets.
• Motorcycle/ATV Insurance Insurance coverage for motorcycles and all-terrain vehicles.
• Umbrella Insurance Umbrella liability coverage (personal and commercial) providing additional protection beyond standard policy limits.
• Farm Insurance Farm insurance coverage for personal-scale and commercial agricultural operations.
• Trucking Coverage Comprehensive trucking coverage to protect commercial transportation operations.
• Workers Compensation Insurance Workers compensation insurance for commercial employer compliance and employee injury protection.

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

Seven partnerships are on record, tiered core and minor.

• Goodville MutualcoreChannel Partner/ Reseller/ DistributorGoodville Mutual is an insurance carrier represented by Ray M Bitting Insurance Agency. Customers can access Goodville Mutual billing, policy management, and claims reporting through the agency's website.
• Allied InsurancecoreChannel Partner/ Reseller/ DistributorAllied Insurance is an insurance carrier available through the agency. The agency facilitates policy access and billing for Allied Insurance customers.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive is a major insurance carrier represented by the agency. Customers can manage policies, report claims, pay bills, and print ID cards through Progressive's online platform linked from the agency website.
• Lititz MutualcoreChannel Partner/ Reseller/ DistributorLititz Mutual is a regional insurance carrier available through the agency. The partnership provides additional options for personal and commercial coverage.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorForemost Insurance is a specialty carrier available through the agency, particularly known for mobile home and specialty property coverage.
• HagertyminorChannel Partner/ Reseller/ DistributorHagerty is a specialty insurance carrier focused on classic vehicles and boats. Available through the agency for customers with recreational vehicle and boat insurance needs.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorSafeco Insurance is a national carrier available through the agency. Customers can file claims, manage policies, and access auto insurance quotes through Safeco's platform.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Direct peers

• HUB International: Independent insurance brokerage platform built largely through acquisition of local independent agencies. Operates the same multi-carrier agency model as Ray M Bitting, serving personal and commercial clients, but at national scale and with far broader carrier and product breadth.
• PCF Insurance Services: PE-backed insurance agency rollup platform acquiring independent agencies. Operates the same multi-carrier independent agency model as Ray M Bitting and represents the most direct acquirer-type peer for a small agency in a regional market.
• Higginbotham: Large independent insurance brokerage representing multiple carriers and serving both commercial and personal lines clients across the U.S. Highly comparable business model to Ray M Bitting — multi-carrier agency representation with a relationship-driven, local-service orientation — but at substantially greater scale.
• Assurex Global: Network of independent commercial insurance brokerages worldwide. Compares to Ray M Bitting as a multi-carrier independent brokerage serving commercial clients, but operating at network scale with international reach and shared specialty resources.
• Keystone Insurers Group: Alliance of independent insurance agencies in the Mid-Atlantic and Southeast. Comparable to Ray M Bitting as a network of multi-carrier independent agencies serving personal and commercial lines clients, with shared carrier partnerships including regional mutual carriers.
• Acrisure: Tech-enabled independent insurance brokerage formed by rolling up dozens of local agencies. Mirrors Ray M Bitting's core agency/brokerage model but operates at vastly greater scale, with proprietary technology and a focus on commercial lines.
• World Insurance Associates: Insurance agency rollup acquiring independent personal and commercial lines agencies across the U.S. Operates a business model structurally identical to Ray M Bitting — multi-carrier representation, local service, broad product mix — and is a logical acquirer of small regional agencies.

Broad incumbents

• Brown & Brown: Large national insurance brokerage offering both retail agency and wholesale/brokerage services. Comparable in that it serves the same end customers via multi-carrier representation, but at dramatically larger scale and with deeper specialty and commercial capabilities.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm. Operates a retail agency segment that competes with Ray M Bitting for the same personal and small commercial customer relationships, but as part of a much broader portfolio including enterprise risk and consulting.

Others

• Goodville Mutual Casualty Company: Regional mutual insurance carrier and one of Ray M Bitting's core carrier partners. Included as a peer because Goodville's product appetite, underwriting, and commission structure directly shape the agency's commercial offering in central Pennsylvania, even though the relationship is principal-agent rather than competitive.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/bitting-insurance-agency

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 Ray M Bitting Insurance Agency