Cromwell & Ney Insurance Agency

What Cromwell & Ney Insurance Agency does

Cromwell & Ney Insurance Agency, Inc. is a privately held, independent insurance brokerage headquartered in Escalon, California, operating from a single office at 1718 Main Street. The firm is led by Amie Ney as President and Owner and operates with a small staff of approximately five named professionals covering personal lines, commercial lines, and administrative functions. The agency serves individual consumers, families, and small-to-medium businesses across California, Arizona, and Nevada.

The agency's product portfolio spans personal lines (auto, homeowner, life, health, renters, condo, umbrella, motorcycle, boat, RV, classic car, off-road vehicle, flood, earthquake, landlord protection, dental/vision, Medicare Advantage, Medicare Supplements, Prescription D, disability, and special event), commercial lines (business auto, workers compensation, commercial property, commercial liability, commercial umbrella, bonds), and agricultural lines (farm and crop insurance). As an independent agency, it represents more than 30 carrier partners including Safeco, Progressive, Travelers, Mercury, Liberty Mutual, Nationwide, Chubb, Hagerty, Capital Insurance Group, Oregon Mutual, Health Net, Delta Dental, Anthem Blue Cross, Kaiser Permanente, United Healthcare, MetLife, State Compensation Insurance Fund, and Foremost, allowing comparison-shopping across carriers.

Revenue is generated on a commission basis from carrier partners, with no proprietary technology platform, no disclosed AI/ML capabilities, and no public revenue figures. The go-to-market relies on a website with online quote forms, phone, email, in-person service at the Escalon office, a customer referral program with Starbucks gift card incentives, and active community engagement, including a 2025 Make More Happen Award-winning partnership with Escalon Strong that included a $5,000 donation.

Name

Cromwell & Ney Insurance Agency

Legal name

Cromwell & Ney Insurance Agency, Inc.

Website

https://cromwellney.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

1–10 employees

Short description

Cromwell & Ney Insurance Agency is a privately held independent insurance brokerage in Escalon, California, serving individuals, families, and small-to-medium businesses across California, Arizona, and Nevada through 30-plus carrier partnerships spanning personal, commercial, health, and specialty insurance lines.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance coverage
• Multi-carrier insurance services
• Specialty insurance lines

Headquarters

HQ city

Escalon

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, Infrastructure

Revenue model

1. Insurance Commission Revenue: Revenue generated through commissions from multiple insurance carrier partners including Safeco, Progressive, Travelers, Mercury, Liberty Mutual, and 27 other insurance companies. Commission-based model where agency earns a percentage of premiums written.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Cromwell & Ney Insurance Agency is an independent insurance brokerage that sells personal, business, and specialty insurance products (auto, home, life, health, commercial, farm, crop, classic car, and more) by representing and distributing policies from 30+ insurance carriers. The agency earns commissions from carriers and provides personalized coverage comparison, claims assistance, and ongoing service to customers across California, Arizona, and Nevada.

Product overview

Cromwell & Ney Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency provides personal insurance lines (auto, homeowner, life, health, renters, umbrella) and commercial/business insurance (business auto, commercial property, commercial liability, workers comp, bonds). The agency also offers specialty products including classic car, motorcycle, boat, RV, farm, crop, earthquake, flood, landlord protection, and special event insurance. As an independent agency, they represent multiple insurance companies including Safeco, Progressive, Travelers, Mercury, Capital Insurance Group, Liberty Mutual, and many others, allowing them to compare coverage and prices to find the best value for customers across California, Arizona, and Nevada.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance California auto insurance providing affordable and complete coverage for vehicles, including liability, collision, comprehensive, and medical coverage options. Distributed through multiple carrier partners.
• Homeowner Insurance Home insurance coverage for California homes protecting against damage to structure and contents, with options for replacement cost coverage. Distributed through multiple carrier partners.
• Life Insurance Life insurance products including term life, whole life, and universal life policies that adapt to changing personal and financial needs. Distributed through multiple carrier partners.
• Health Insurance Health insurance coverage for individuals and families, with partnerships across multiple insurance carriers in California including Health Net, Anthem Blue Cross, Kaiser Permanente, and United Healthcare.
• Renters Insurance Insurance covering personal property against theft or damage for renters, with options for full replacement value coverage.
• Condo Insurance Condominium insurance covering personal property, liability, and improvements to units, with optional loss assessment coverage.
• Personal Umbrella Insurance Personal umbrella liability insurance providing additional layers of protection beyond home and auto policies, with minimum $1,000,000 coverage.
• Business Insurance Commercial insurance solutions including business auto, liability, workers comp, property, and specialty coverage for businesses of all sizes. Distributed through multiple carrier partners.
• Workers Compensation Insurance Workers comp coverage paying for medical care and rehabilitation of employees injured at work, helping replace lost wages and protect employers from lawsuits. Available through California State Compensation Insurance Fund and other carrier partners.
• Commercial Liability Insurance General and professional liability coverage including E&O, EPLI, and D&O insurance for businesses and licensed professionals.
• Commercial Property Insurance Business property coverage for buildings, inventory, equipment, and tools against losses from fire, break-in, vandalism, and natural disasters.
• Commercial Auto Insurance Commercial vehicle insurance covering trucks, cars, and motorized equipment with bodily injury liability and property damage coverage.
• Commercial Umbrella Insurance Business umbrella coverage providing liability limits above basic liability coverage to protect business assets from catastrophic losses.
• Bonds Insurance Surety bonds including construction bonds, license and permit bonds, probate bonds, court bonds, and fidelity bonds for contractors and businesses.
• Farm Insurance Specialized insurance coverage for farms and agricultural operations, including crop insurance and farm property coverage.
• Crop Insurance Insurance protection for agricultural crops against loss from natural disasters, weather events, and other covered perils.
• Classic Car Insurance Collector car insurance with agreed value coverage, low rates for limited mileage, and coverage for classic and antique vehicles. Distributed through Hagerty and other carrier partners.
• Motorcycle Insurance Insurance coverage for motorcycles, ATVs, dirt bikes, and motorsports vehicles with options for custom parts and roadside assistance.
• Boat Insurance Watercraft insurance covering boats, personal watercraft, and maritime equipment with liability, physical damage, and emergency assistance options.
• RV Insurance Recreational vehicle insurance covering motorhomes, travel trailers, campers, and horse trailers with liability and comprehensive options.
• Off-Road Vehicle Insurance Specialty coverage for ATVs, dirt bikes, golf carts, snowmobiles, and other off-road vehicles not covered under standard auto policies.
• Flood Insurance Flood coverage through the National Flood Insurance Program (NFIP) for building and contents, protecting against flood-related damage.
• Earthquake Insurance Earthquake coverage as an endorsement or separate policy, available through insurance carriers or the California Earthquake Authority (CEA).
• Landlord Protection Insurance Rental property insurance protecting landlords from liability, wrongful eviction claims, and property damage with customizable coverage options.
• Special Event Insurance Event insurance coverage for weddings, parties, and special occasions including liability protection and liquor liability options.
• Dental & Vision Insurance Individual and family dental and vision coverage with options for routine checkups, lenses, frames, and discounted corrective surgeries. Distributed through Delta Dental and other carrier partners.
• Medicare Advantage Medicare Advantage insurance plans providing additional health coverage options for Medicare-eligible individuals.
• Medicare Supplements Supplemental Medicare insurance helping cover costs not included in original Medicare coverage.
• Prescription D Insurance Prescription drug coverage plans to help offset costs of medications for individuals and families.
• Disability Insurance Income protection insurance providing benefits if an individual becomes unable to work due to illness or injury.

Quantifiable outcome

• Multi-carrier options from 30+ insurance companies
• +1 more outcomes

Named customers1 record

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

19 partnerships are on record, tiered core and minor.

• Escalon StrongcoreStrategic or Co-development Partner · 30 June 2025Local nonprofit partnership for community support. Cromwell & Ney received 2025 Make More Happen Award for this partnership, with a $5,000 donation to Escalon Strong. Nonprofit supports individuals through programs promoting independence, food security, and community wellness in San Joaquin County. Agency employees volunteer year-round, helping sort pantry inventory and organizing fundraising campaigns.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Cromwell & Ney represents Safeco for personal automobile, homeowners and specialty products. Safeco is a Liberty Mutual Insurance company, in business since 1923, selling through a network of more than 20,000 independent insurance agencies.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Cromwell & Ney for auto and related insurance products.
• TravelerscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Cromwell & Ney for business and personal insurance coverage.
• Mercury InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Cromwell & Ney for auto insurance.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. In business since 1912, headquartered in Boston. Ninth largest global property and casualty insurer based on 2024 gross written premium. Rank 87 on Fortune 100 list. $50.2 billion in annual consolidated revenue as of December 31, 2024. Over 40,000 employees in 29 countries.
• Capital Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Cromwell & Ney.
• Oregon MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Cromwell & Ney.
• HagertycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for classic car insurance represented by Cromwell & Ney.
• NationwidecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Cromwell & Ney.
• ChubbcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Cromwell & Ney.
• Health NetminorChannel Partner/ Reseller/ DistributorHealth insurance carrier partner represented by Cromwell & Ney.
• Delta DentalminorChannel Partner/ Reseller/ DistributorDental insurance carrier partner represented by Cromwell & Ney.
• Anthem Blue CrossminorChannel Partner/ Reseller/ DistributorHealth insurance carrier partner represented by Cromwell & Ney.
• Kaiser PermanenteminorChannel Partner/ Reseller/ DistributorHealth insurance carrier partner represented by Cromwell & Ney.
• United HealthcareminorChannel Partner/ Reseller/ DistributorHealth insurance carrier partner represented by Cromwell & Ney.
• MetLifeminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Cromwell & Ney.
• State Compensation Insurance FundminorChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier partner for California businesses.
• Foremost InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Cromwell & Ney for specialty products.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Hub International: Large North American insurance brokerage placing personal, commercial, and specialty lines through numerous carrier partners. Comparable multi-carrier independent-agency model with personal and commercial focus similar to Cromwell & Ney.
• Brown & Brown, Inc. National independent insurance brokerage and agency operator that places P&C, personal, and specialty coverage through multiple carrier partners. Directly analogous business model to Cromwell & Ney's independent-agent distribution approach, but operating at vastly greater scale across the U.S.
• USI Insurance Services: Top U.S. insurance brokerage placing personal, commercial, and employee benefits coverage through multiple carrier partners. Directly comparable independent-broker model with similar product breadth.
• Acrisure: Large independent insurance brokerage representing multiple carriers across personal and commercial lines. Closely mirrors Cromwell & Ney's independent-agent placement model at enterprise scale.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm placing personal, commercial, and specialty coverage through carrier partnerships. Most relevant as a scaled benchmark for the independent agency distribution model.

Direct peers

• Leavitt Group: Network of independent insurance agencies in the Western U.S. placing personal, commercial, and benefits coverage through multiple carrier partners. Highly comparable independent agency model operating in similar Western geographies (CA, NV, AZ overlap with Cromwell & Ney).
• RPS Insurance Brokerage (Ryan Specialty): Independent wholesale/specialty insurance brokerage placing personal and commercial lines through carrier partners. Comparable independent-agent model with specialty focus similar to Cromwell & Ney's farm, classic car, and bonds offerings.
• Burns & Wilcox: Specialty insurance brokerage distributing personal and commercial excess/specialty coverage through carrier partners. Highly analogous independent agency model with overlap in specialty and excess lines (umbrella, commercial) that Cromwell & Ney also sells.

Regional players

• State Farm (independent-contractor agency model): Captive insurer with a captive-agent distribution force offering personal lines (auto, home, life) that overlaps with Cromwell & Ney's core personal lines book. Different ownership model (single carrier) but competes for the same California personal-insurance customers.

Emerging players

• Costco Insurance Agency / CONNECT (powered by AmeriLife): Aggregator/embedded insurance platforms that connect consumers with independent agents for personal lines. Partial overlap as competitive distribution channel; relevant as an emerging alternative to traditional local independent agencies like Cromwell & Ney.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CromwellNeyInsurance
• LinkedInlinkedin.com/company/cromwell-ney-insurance-agency-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Cromwell & Ney Insurance Agency