Chalmers Insurance Group
Chalmers Insurance Group is a fourth-generation, family-owned independent insurance agency founded in 1857, distributing personal, commercial, high-net-worth, and employee benefits coverage across Maine and New Hampshire through 8 offices and 30+ carrier partnerships.
- Company typePrivate
- Founded1857
- HeadquartersBridgton, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Chalmers Insurance Group does
Chalmers Insurance Group is an independent, fourth-generation family-owned insurance agency headquartered in Bridgton, Maine, founded in 1857 and operating across Maine and New Hampshire through eight physical offices. The agency distributes personal, commercial, high-net-worth (Private Client Group), employee benefits, and specialty insurance products (notably youth camps and logging) on behalf of more than 30 carrier partners including Hanover, Liberty Mutual, Chubb, AIG Private Client Group, Cincinnati Insurance, MEMIC, MMG, Safeco, Vermont Mutual, Acadia, Patriot, Concord Group, and Hagerty. Its wholly-owned sister company, NAHGA Claim Services, processes claims for schools, colleges, and private camps, extending the platform into adjacent claims-administration services.
The agency's underlying technology is conventional: an InsurLink client portal powered by Vertafore for policy documents, billing, and claims access, complemented by SMS texting for client communication. There is no proprietary underwriting or AI platform; product breadth and specialty expertise substitute for technology differentiation. Service is delivered exclusively through licensed agents in person, with no online quote capability, positioning the business as a relationship-led agency rather than a digital distributor.
Chalmers earns revenue primarily through insurance commissions paid by carriers on placed and renewed policies, supplemented by advisory fees on employee benefits engagements. Pricing is quote-based with monthly billing, anchored by personalized consultation rather than published rates. The customer base spans individual consumers, small businesses, high-net-worth households, employers, and niche verticals (camps, logging), with long-tenured client relationships and community referrals serving as the primary acquisition channels.
Chalmers Insurance Group firmographics
Firmographics- Name
- Chalmers Insurance Group
- Legal name
- The Chalmers Group
- Website
- https://chalmersinsurancegroup.com
- Company type
- Private
- Founded year
- 1857
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Chalmers Insurance Group is a fourth-generation, family-owned independent insurance agency founded in 1857, distributing personal, commercial, high-net-worth, and employee benefits coverage across Maine and New Hampshire through 8 offices and 30+ carrier partnerships.
- Ownership category
- akta.pro rank
Chalmers Insurance Group industry classification
Industry- Product category
- Insurance Agency Services
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
- akta.pro secondary industries
- Group Term Life Insurance (FSAIAAAJ), Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB), Group AD&D (Standalone or Bundled with Life) (FSAIADAG), Group Benefits Reinsurance (Life, Health & Disability) (FSAIANAH), Personal Umbrella Insurance (FSAJANAA), Personal Excess Liability (High-Net-Worth) (FSAJANAF)
Keywords
Where Chalmers Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Bridgton
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
Chalmers Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commissions: As an independent insurance agency, Chalmers earns commissions from insurance carriers for policies placed. Agents work with multiple carriers to find optimal coverage for clients, earning commission income from each policy sold or renewed.
- Employee Benefits Consulting: Advisory services for group benefits including health insurance, dental, vision, life, disability, and voluntary benefits. Revenue derived from commissions on employee benefit products placed with carriers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | No published pricing - quote-based model |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Chalmers Insurance Group product offering
Product offeringCore offering
Chalmers Insurance Group is an independent, family-owned insurance agency that places personal, commercial, and specialty insurance policies on behalf of clients by working with multiple carriers. The agency sells personal lines (home, auto, renters, watercraft), commercial lines (property, liability, workers comp, cyber), employee benefits (group health, dental, life, disability), private client coverage for high-net-worth individuals, and specialty programs such as youth camps insurance, with sales conducted through licensed agents across eight offices in Maine and New Hampshire.
Product overview
Chalmers Insurance Group operates as an independent, family-owned insurance agency offering a comprehensive portfolio of insurance products and services. The core offering consists of Personal Insurance (homeowners, auto, renters, watercraft, motorcycles, snowmobiles), Business Insurance (commercial property, general liability, workers compensation, cyber liability, umbrella), Private Client Group (high-value homes, fine art, jewelry, antique vehicles, yachts), Youth Camps Insurance (specialty camp coverage), Employee Benefits (group health, dental, vision, life, disability), and Flood Insurance. The agency also provides client engagement tools including the InsurLink Client Portal for policy management, an online Learning Center with educational content, and The Community Cast Podcast featuring local business interviews. Services are delivered through 8 locations across Maine and New Hampshire, with claims handling provided in-house by licensed adjusters.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Insurance coverage for individuals and families including homeowners, auto, renters, watercraft, motorcycles, and snowmobiles, tailored to personal protection needs in Maine and New Hampshire.
- Business Insurance
Companies that use Chalmers Insurance Group
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles4 records
Chalmers Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Chalmers Insurance Group partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and minor.
- The Hanover Insurance GroupcorePrimary property and casualty insurance carrier partner offering commercial and personal lines products through Chalmers agency network.
- Liberty MutualcoreMajor national carrier providing personal and commercial insurance products distributed through Chalmers agents.
- MEMICcoreWorkers compensation specialist carrier serving Maine employers. MEMIC announced $18.7M dividend to policyholders in 2024. Chalmers serves on MEMIC Agency Advisory Council.
- MMG InsurancecoreRegional property and casualty carrier offering products through independent agency distribution.
- Patriot InsurancecoreRegional carrier emphasizing personal service and local relationships in insurance distribution.
- Safeco InsurancecorePersonal lines carrier owned by Liberty Mutual offering auto, home, and umbrella products.
- Vermont MutualcoreRegional mutual insurance company providing property and casualty coverage in Northern New England.
- Acadia InsurancecoreRegional property and casualty carrier serving businesses and individuals in the Northeast.
- Concord Group InsurancecoreRegional carrier providing personal and commercial insurance products in New England.
- Cincinnati Insurance CompanycoreTop 25 property-casualty insurer group serving Private Client Group high-net-worth customers. Rated by four independent agencies for financial strength.
- HagertycoreSpecialty insurer for collector and classic vehicles serving the Private Client Group. Global automotive enthusiast brand and world's largest car lover membership organization.
- ChubbcorePremium insurer specializing in serving successful individuals with high-value homes and automobiles. Part of Private Client Group carrier network.
- AIG Private Client GroupcoreHigh-value property and casualty products for luxury homes, yachts, private aviation, art collections, wine collections, and high liability limits serving Private Client Group.
- Vault InsuranceminorExclusive insurance group for families with similar assets and lifestyles, offering preferred pricing structures.
- NAHGA Claim ServicescoreSister company founded in 1991 by Chalmers owners. Processes claims for schools, colleges, and private camps. Specializes in Student Accident & Health coverage.
- AetnacoreHealth insurance carrier providing employee benefits coverage options.
- AnthemcoreHealth insurance carrier for employee benefits distribution.
- UnumcoreBenefits insurance carrier providing disability, life, and accident coverage for employee benefits.
- Delta DentalcoreDental insurance carrier for employee benefits packages.
- GuardiancoreBenefits carrier providing dental, vision, life, and disability insurance.
Scale indicators4 records
Recent moves7 records
Expansion highlights6 records
Chalmers Insurance Group competitors and assessment
Company assessmentBroad incumbents
- Arthur J. Gallagher & Co. Global insurance brokerage and risk-management firm with deep specialty offerings and direct-broker capabilities; relevant competitor for mid-market commercial accounts and benefits consulting that Chalmers targets.
- Hub International: Large North American insurance brokerage with multi-line personal, commercial, and benefits distribution; competes for mid-market accounts and recruits independent agencies into its platform, including in the Northeast.
- Acrisure: Tech-enabled global insurance brokerage built through aggressive roll-up of independent agencies; relevant as a strategic competitor / acquirer of regional independents like Chalmers.
- Brown & Brown: National insurance distributor and brokerage with significant New England presence; competes for commercial and benefits accounts and uses tuck-in M&A, similar to the growth playbook relevant for Chalmers.
Direct peers
- Insurance Office of America: Large independent insurance agency (Florida-based) distributing personal, commercial, and benefits through multiple carriers; comparable in agency-led model and breadth of carrier appointments.
- The Hilb Group: Mid-Atlantic and Northeast insurance brokerage operating an independent-agency platform with personal, commercial, and benefits lines; comparable in being agency-led, multi-carrier, and growth-via-tuck-in M&A.
- Leavitt Group: Network of independent insurance agencies across the western US with multi-line offerings; comparable as a multi-generation, multi-carrier independent agency model with a community-led go-to-market.
- Rogers & Gray Insurance Agency: Independent insurance agency serving Maine, New Hampshire, and the Northeast with similar personal, commercial, and employee benefits practices; competes for the same regional accounts and carrier appointments as Chalmers.
- Cross Insurance: Maine-headquartered independent insurance agency with multi-line personal, commercial, and benefits offerings across New England; structurally the closest direct peer to Chalmers in geography, model, and segments served.
Emerging players
- Goosehead Insurance: Independent-agency franchise and platform insurer with growing digital self-service layer; comparable in distributing through appointed agents across multiple carriers but differentiates on tech-enabled distribution and a public-market capital base.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Chalmers Insurance Group social profiles
Digital presenceChalmers Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chalmers Insurance Group leadership team
Management profileNumber of profiles
Profiles5 records
Chalmers Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries3 records
Chalmers Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chalmers Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Chalmers Insurance Group
What does Chalmers Insurance Group do?
Chalmers Insurance Group is an independent, family-owned insurance agency that places personal, commercial, and specialty insurance policies on behalf of clients by working with multiple carriers. The agency sells personal lines (home, auto, renters, watercraft), commercial lines (property, liability, workers comp, cyber), employee benefits (group health, dental, life, disability), private client coverage for high-net-worth individuals, and specialty programs such as youth camps insurance, with sales conducted through licensed agents across eight offices in Maine and New Hampshire.
Is Chalmers Insurance Group a public or private company?
Chalmers Insurance Group is a private company. It is classified as family owned and is currently operating.
When was Chalmers Insurance Group founded?
Chalmers Insurance Group was founded in 1857. It employs 101 to 250 people.
Where is Chalmers Insurance Group based?
Chalmers Insurance Group is headquartered in Bridgton, United States, in the North America region.
How does Chalmers Insurance Group make money?
Two revenue lines are on record. Insurance Commissions are the primary driver. The others are employee Benefits Consulting.
Who are Chalmers Insurance Group's main competitors?
Broad incumbents on record are Arthur J. Gallagher & Co., Hub International, Acrisure and Brown & Brown. Direct peers are Insurance Office of America, The Hilb Group, Leavitt Group, Rogers & Gray Insurance Agency and Cross Insurance. Goosehead Insurance is listed as an emerging player.
Does Chalmers Insurance Group have an API?
No public API is recorded for Chalmers Insurance Group.
What industry is Chalmers Insurance Group in?
Chalmers Insurance Group's product category is Insurance Agency Services. Its primary akta.pro industry code is FSAIAFAD, Small Group Health Insurance (2–50/100), with a secondary code of FSAIAAAJ, Group Term Life Insurance. Its NAICS code is 524210 and its SIC code is 6411.