IGO Insurance Agency

What IGO Insurance Agency does

IGO Insurance Agency, Inc. is an independent insurance agency headquartered in Raleigh, North Carolina, founded in June 1970 by the Independent Garage Owners of NC to provide specialized insurance to the automotive repair industry. The firm operates as a multi-line independent agency representing 31 national and regional insurance carriers, offering personal lines (auto, homeowners, renters, motorcycle, marine, flood, pet, and specialty coverages), commercial lines spanning 30+ categories (commercial auto, general liability, workers' compensation, garage, trucking, cyber liability, hospitality, manufacturing, surety bonds, and others), and life insurance products (term, whole, universal, annuities, mortgage protection, and final expense).

The agency generates revenue through commissions paid by carrier partners on policies placed and renewed — a standard independent agency economics model with no proprietary technology platform or direct underwriting capability. It serves individuals, families, and SMB customers across five southeastern states (North Carolina, Georgia, South Carolina, Tennessee, and Virginia) through direct sales channels including its website, phone, and in-person consultations at the Raleigh office. The firm's go-to-market is sales-led, leveraging licensed agents with industry designations (CISR-Elite, CIC, AAI) and a 55-year specialization in automotive-industry risks as its core differentiator. Marketing includes an educational content blog, social media presence, and a customer referral program.

Under current leadership of President & CEO Jamie Strain and VP & Account Manager Krista Connor (following the 2018 passing of former owner Jimmie Robertson, who had purchased the firm in October 2013 after 15 years as COO), the agency operates with 11–50 employees and reports a 5-star rating across 45 customer reviews. The business has no outside funding, no parent company, and operates as a privately held corporation domiciled in North Carolina.

Name

IGO Insurance Agency

Legal name

IGO Insurance Agency Inc.

Website

https://igoinsurance.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Short description

IGO Insurance Agency is an independent insurance agency in Raleigh, NC, representing 31 carriers to provide personal, commercial, and life insurance to individuals and SMBs across NC, GA, SC, TN, and VA, with deep specialization in automotive industry coverage.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Life insurance products
• Automotive industry insurance

Headquarters

HQ city

Raleigh

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, Others

Revenue model

1. Insurance Commission Revenue: IGO Insurance Agency generates revenue through commissions paid by insurance carrier partners for policies placed with customers. As an independent agency, they represent multiple insurance companies and earn commission income based on the premiums collected on policies sold and renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

IGO Insurance Agency is an independent insurance agency that places personal, commercial, and life insurance policies on behalf of customers through 31 carrier partners. The agency provides comparative quotes and licensed-agent consultations across auto, homeowners, commercial property, workers' compensation, garage, surety bonds, cyber liability, life insurance, and annuities, serving individuals and businesses primarily in North Carolina, Georgia, South Carolina, Tennessee, and Virginia.

Product overview

IGO Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products across three main categories: Personal Insurance (including auto, homeowners, renters, motorcycle, boat, and specialty coverages), Business Insurance (including commercial property, liability, workers' comp, and industry-specific coverages such as garage, restaurant, and technology insurance), and Life Insurance (including term, whole, universal life, annuities, and final expense). The agency operates as a full-service independent agency representing multiple insurance carriers, providing comparative quotes and customized insurance solutions for individuals and businesses in North Carolina and surrounding states.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance coverage providing liability protection, collision, comprehensive, and uninsured/underinsured motorist protection for personal vehicles.
• Homeowners Insurance Insurance coverage protecting homeowners against property damage, liability claims, and loss of personal possessions, with additional structures coverage options.
• Renters Insurance Coverage protecting renters against loss of personal belongings, liability claims, and additional living expenses when rental property is damaged.
• Motorcycle Insurance Insurance coverage for motorcycles including collision, comprehensive, liability, and uninsured/underinsured motorist protection, with custom parts and classic bike options.
• Boat & Marine Insurance Coverage for watercraft including boats, yachts, jet skis, and sailboats with Agreed Hull Value, Actual Cash Value, and liability protection options.
• Flood Insurance Coverage protecting homes and property against flood damage, required in high-risk zones and available for moderate-to-low risk areas.
• Collector Car Insurance Specialized coverage for classic and collector automobiles with agreed value protection.
• Personal Umbrella Insurance Excess liability coverage providing additional protection beyond the limits of auto and homeowners policies.
• Business Owners Package Insurance Bundled coverage combining property and general liability for small to medium-sized businesses, simplifying risk management.
• Commercial Auto Insurance Coverage for business vehicles including liability, medical costs, comprehensive, collision, and uninsured driver protection.
• Commercial Property Insurance Protection for business facilities, equipment, inventory, and fixtures against fire, theft, natural disasters, and vandalism.
• General Liability Insurance Coverage protecting against bodily injury, property damage, medical payments, advertising errors, and reputation harm claims.
• Workers' Compensation Insurance State-mandated coverage providing medical treatment and wage replacement for work-related injuries or illnesses.
• Garage Insurance Coverage for auto trade businesses including general liability, BOP, workers' comp, garagekeepers legal liability, and business interruption.
• Commercial Trucking Insurance Customized coverage for trucking operations including tractors, pickups, tow trucks, box trucks, dump trucks, and fleets.
• Cyber Liability Insurance Coverage for data breaches, cyberattacks, and technology risks including first-party and third-party protection.
• Commercial Umbrella Insurance Excess liability coverage providing $1 million to $5 million in additional protection beyond base policy limits.
• Surety Bonds Financial guarantees protecting obligees when principals fail to meet contractual or regulatory obligations.
• Individual Life Insurance Life insurance products including term, universal, and whole life policies providing death benefits to beneficiaries.
• Fixed Annuities CD-type retirement investment products issued by insurance companies providing guaranteed future income payments.
• Mortgage Protection Insurance Coverage paying a death benefit to cover outstanding mortgage balance if the insured dies during the policy period.
• Final Expense Insurance Insurance coverage designed to pay for end-of-life costs including funeral expenses and outstanding debts.

Quantifiable outcome

• 5-star rating based on 45 customer reviews

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

30 partnerships are on record, tiered core.

• All RiskscoreOthersNational insurance wholeseller providing access to specialty insurance products and markets not available through standard channels.
• AmTrust North AmericacoreOthersCommercial lines insurance carrier offering workers compensation, general liability, and other business coverages.
• American Collectors InsurancecoreOthersSpecialty insurance carrier focused on collector vehicle insurance.
• Appalachian UnderwriterscoreOthersInsurance wholeseller specializing in commercial lines and specialty risks.
• Auto-Owners InsurancecoreOthersRegional insurance carrier providing personal and commercial insurance products.
• Berkshire Hathaway GUARDcoreOthersInsurance carrier subsidiary of Berkshire Hathaway offering commercial insurance products.
• The Progressive CorporationcoreOthersMajor personal auto insurance carrier with extensive product offerings.
• Hagerty InsurancecoreOthersSpecialty insurance carrier focused on classic and collector vehicles.
• Utica National Insurance GroupcoreOthersInsurance group offering commercial and specialty insurance products.
• Selective InsurancecoreOthersRegional insurance carrier offering commercial and personal lines.
• KempercoreOthersInsurance company providing personal insurance and specialty property and casualty coverage.
• Foremost InsurancecoreOthersSpecialty insurance carrier for mobile home, motor home, and specialty property coverage.
• CNA SuretycoreOthersSurety bond carrier providing contract and commercial surety bonds.
• Employers InsurancecoreOthersWorkers compensation insurance specialist.
• Donegal InsurancecoreOthersRegional mutual insurance company offering personal and commercial lines.
• RLI SuretycoreOthersSurety bond specialist providing commercial and contract surety products.
• Risk Placement ServicescoreOthersExcess and surplus lines insurance broker.
• Jackson Sumner & AssociatescoreOthersWholesale insurance broker specializing in transportation and garage risks.
• Lancer InsurancecoreOthersTransportation insurance specialist for trucking and motor carrier risks.
• Hospitality Insurance GroupcoreOthersSpecialty insurance carrier for hospitality industry including hotels and motels.
• NCJUAcoreOthersNorth Carolina Joint Underwriting Association providing insurance access in difficult markets.
• Ohio NationalcoreOthersLife insurance and annuity products provider.
• Commonwealth Underwriters, LtdcoreOthersWholesale insurance broker providing specialty coverage access.
• Meadowbrook InsurancecoreOthersCommercial lines insurance company specializing in niche programs.
• Peninsula InsurancecoreOthersRegional insurance carrier for personal and commercial lines.
• Penn NationalcoreOthersRegional insurance carrier offering personal and commercial products.
• Pennsylvania Lumbermens MutualcoreOthersInsurance carrier specializing in forest products and related industries.
• FHM Insurance CompanycoreOthersInsurance company providing various commercial and specialty lines.
• First BenefitscoreOthersEmployee benefits and insurance solutions provider.
• iSuritycoreOthersInsurance technology and underwriting company.

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• TrueNorth Companies: Mid-size independent insurance brokerage with multi-carrier representation across personal, commercial, and employee benefits. Comparable to IGO as an independent agency of similar size, scope, and target customer mix (SMB and individual).
• Risk Placement Services (RPS): Excess and surplus lines wholesale broker and Managing General Agent. IGO partners with RPS as a core carrier partner; both occupy the independent insurance distribution chain, with RPS operating more on the wholesale/specialty side.
• All Risks, Ltd. National insurance wholesaler and specialty agency providing access to specialty markets and programs. IGO explicitly partners with All Risks as a core carrier partner; both serve the role of independent distribution intermediaries connecting retail customers with specialty insurers.

Broad incumbents

• Hub International: Large North American insurance brokerage with multi-carrier representation across personal, commercial, and specialty lines. Comparable as an independent agency competitor, though at materially greater scale and geographic reach.
• Insurance Office of America (IOA): Large independent insurance agency headquartered in Longwood, FL, with strong Southeast US presence. Operates the same multi-carrier independent agency model serving personal and commercial clients, with comparable product breadth across property, casualty, and life insurance.
• Acrisure: Large US insurance brokerage and financial services firm built largely through independent agency rollups. Comparable as an aggregator of independent agencies serving personal and commercial clients, but at vastly larger scale.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm operating across commercial and personal lines. Comparable to IGO in the multi-carrier independent agency model, with stronger commercial and specialty risk capabilities.
• Higginbotham: Texas-based independent insurance brokerage serving the South and Southeast, representing multiple carriers with full personal, commercial, and employee benefits offerings. Comparable to IGO as a regional multi-carrier independent agency with similar product diversification.
• Brown & Brown, Inc. Major US insurance brokerage operating across all 50 states. While significantly larger than IGO, it competes across the same multi-carrier independent agency model, particularly in commercial lines and specialty programs.

Regional players

• Burnham Insurance: Independent insurance brokerage serving the Mid-Atlantic and Southeast. Comparable in structure to IGO as a multi-carrier independent agency with personal and commercial lines, though serving different primary geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/IGOInsurance
• Facebookfacebook.com/igoinsurancenc
• LinkedInlinkedin.com/company/igo-insurance-agency-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 IGO Insurance Agency