Empire Insurance Group
Empire Insurance Group is a privately held independent insurance agency based in Minnesota that distributes personal, commercial, and specialty insurance products from over 70 carrier partners through three physical offices and a digital portal, serving individuals, families, SMBs, farms, and trucking operators across 14 licensed states.
- Company typePrivate
- Founded-
- HeadquartersNorth Branch, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Empire Insurance Group does
Empire Insurance Group is a privately held, independent insurance agency headquartered in North Branch, Minnesota, operating three physical offices across North Branch, Wyoming, and Lindstrom in the Minneapolis-St. Paul metro region. The agency is owned by Christine Larson and operates with an 11-50 employee base, distributing a comprehensive portfolio of personal and commercial insurance products — more than 50 lines — sourced through a network of over 70 carrier partners including Chubb, The Hartford, Liberty Mutual, Travelers, Progressive, Auto Owners, Blue Cross Blue Shield, and others. Its product surface spans standard personal lines (homeowners, auto, umbrella, life, health, renters), specialty personal lines (high net worth, jewelry, classic/exotic auto, boat, motorcycle, RV, powersports, earthquake, flood, farm), and a full commercial book including general liability, BOP, workers compensation, commercial auto, cyber liability, professional/E&O, D&O, commercial umbrella, builders risk, surety bonds, and industry-specific coverages such as garage keepers, environmental liability, liquor liability, and media liability.
The agency's go-to-market blends agent-assisted sales at its three physical offices with a digital self-serve layer: customers can obtain online quotes through segmented portals (personal, business, trucking, construction), complete paperless intake, and bind coverage via e-signature and online payment. A 24/7 secure client service portal supports policy management, billing, and certificate requests. The agency markets itself on operational technology distinctives — a paperless online questionnaire, 24/7 client portal, and what it terms "Intelligent Claims Advocacy Analytics," described as proprietary analytics tooling used by claims advocates to resolve claims and reduce total cost of risk.
Economically, Empire Insurance Group operates as a commission-based distribution intermediary: revenue is generated through carrier-paid commissions on placed and renewed policies, with no incremental fee passed to the customer. Pricing of underlying policies is determined by carrier underwriting, with the agency adding value through side-by-side carrier comparison, coverage explanation, and bundling across lines. The agency is licensed in 14 states (Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Illinois, Arizona, Nevada, Indiana, Pennsylvania, Colorado, Florida, and Nebraska) and offers commercial trucking services across all 50 states. Customers span individuals and families, high net worth households, small and medium businesses, farms and hobby farms, and trucking operators.
Empire Insurance Group firmographics
Firmographics- Name
- Empire Insurance Group
- Legal name
- Empire Insurance Group
- Website
- https://empireinsurancegroup.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Empire Insurance Group is a privately held independent insurance agency based in Minnesota that distributes personal, commercial, and specialty insurance products from over 70 carrier partners through three physical offices and a digital portal, serving individuals, families, SMBs, farms, and trucking operators across 14 licensed states.
- Ownership category
- akta.pro rank
Empire Insurance Group industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where Empire Insurance Group is headquartered
LocationHeadquarters
- HQ city
- North Branch
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Empire 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, Empire Insurance Group earns commissions from insurance carriers for placing and renewing insurance policies. Commissions are paid by insurance companies and do not cost the customer additional fees beyond their premium.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Umbrella Insurance — coverage starting at ~$150/year |
| Subscription | Annual | Boat Insurance — less than $1/day |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
Empire Insurance Group product offering
Product offeringCore offering
Empire Insurance Group is an independent insurance agency that places personal and commercial insurance policies on behalf of clients by drawing from a network of more than 70 insurance carriers. The agency delivers side-by-side policy comparisons, paperless onboarding, a 24/7 digital client service portal, and claims advocacy across hundreds of personal and business insurance products including home, auto, umbrella, life, health, high-net-worth, specialty, farm, and commercial lines such as workers compensation, general liability, cyber, professional liability, and trucking coverage.
Product overview
Empire Insurance Group is an independent insurance agency providing a comprehensive portfolio of personal and commercial insurance products through a network of 70+ insurance carrier partnerships. The company offers personal lines including homeowners, auto, umbrella, renters, high net worth, landlord, specialty dwelling, flood, earthquake, and various specialty coverages (motorcycles, boats, RVs, powersports, jewelry, pets). Business/commercial offerings include general liability, commercial property, workers compensation, commercial auto, professional liability (E&O), cyber liability, directors & officers, employment practices liability, commercial umbrella, builders risk, business interruption, inland marine, surety bonds, and industry-specific coverages (garage keepers, environmental liability, liquor liability, media liability, warehouse liability). The agency operates with a technology-enhanced service model featuring paperless online onboarding, a secure client portal for 24/7 service and payments, and proprietary analytics tools for claims advocacy.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowners Insurance
Companies that use Empire Insurance Group
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles5 records
Empire Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Empire Insurance Group partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- ChubbcoreChubb is one of the insurance carriers represented by Empire Insurance Group. Chubb specializes in high-net-worth insurance, personal insurance, and commercial insurance products. Empire distributes Chubb policies to their clients seeking specialized coverage.
- The HartfordcoreThe Hartford is one of the nation's largest insurance companies represented by Empire Insurance Group, offering commercial and personal insurance products distributed through Empire's independent agency network.
- Liberty Mutual InsurancecoreLiberty Mutual Insurance is among the 70+ insurance carriers represented by Empire Insurance Group, providing personal and commercial insurance products to consumers served by Empire's independent agency.
- TravelerscoreTravelers is one of the insurance carriers in Empire Insurance Group's carrier network, offering commercial and personal lines products distributed through Empire's quote and binding platform.
- ProgressivecoreProgressive is one of the insurance carriers represented by Empire Insurance Group, offering auto, home, and commercial insurance products available through Empire's independent agency distribution.
- Auto OwnerscoreAuto Owners Insurance is among the carrier partners of Empire Insurance Group, providing personal and commercial insurance products to Minnesota and multi-state customers.
- AAAminorAAA is one of the insurance carriers available through Empire Insurance Group's network, offering auto, home, and life insurance products.
- Blue Cross Blue ShieldcoreBlue Cross Blue Shield is represented by Empire Insurance Group for health insurance products including Medicare Advantage packages, individual and family health plans, and supplemental health coverage.
- SelectiveminorSelective Insurance is one of the commercial insurance carriers represented by Empire Insurance Group, offering business insurance products for commercial customers.
- SFM InsuranceminorSFM Insurance is a carrier partner of Empire Insurance Group, providing workers compensation and other commercial insurance products.
- Western National InsuranceminorWestern National Insurance is among the carrier partners of Empire Insurance Group, offering commercial and personal insurance products.
- WestfieldminorWestfield Insurance is a carrier partner of Empire Insurance Group, providing commercial insurance products through Empire's independent agency network.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Empire Insurance Group competitors and assessment
Company assessmentDirect peers
- Goosehead Insurance: Goosehead Insurance is a publicly-traded independent insurance agency franchisor that distributes personal lines through a network of franchise agents across multiple carriers. Empire Insurance Group operates a similar independent multi-carrier distribution model, though Empire is a corporate-owned agency rather than a franchise system. Both compete on carrier breadth and advisory service.
- Leavitt Group: Leavitt Group is one of the largest privately-held independent insurance agencies in the western U.S., distributing personal, commercial, and benefits lines through a network of regional offices across multiple states. Empire Insurance Group operates a similar regional multi-line independent agency model and would be a comparable M&A target for industry consolidators.
- Brightway Insurance: Brightway Insurance is a large independent insurance agency franchise operating across the U.S. with multiple carrier relationships and a hybrid digital/agent service model. Comparable to Empire Insurance Group in offering personal, commercial, and specialty lines through independent agents, though at significantly greater scale and geographic reach.
Broad incumbents
- Marsh McLennan: Marsh McLennan is the world's largest insurance brokerage and risk advisory firm, operating across commercial lines, personal lines, and specialty coverage. While Empire focuses on SMB and personal segments rather than enterprise risk, both share the independent multi-carrier distribution model and advisory positioning.
- Brown & Brown Insurance: Brown & Brown is one of the largest U.S. insurance brokerages, offering personal, commercial, and specialty lines through a decentralized network of offices. Empire Insurance Group operates a similar multi-line agency model but at vastly smaller scale; Brown & Brown provides a public-market comparable for valuing independent agency roll-ups.
- Allstate: Allstate is a major U.S. personal and commercial lines carrier operating through captive agents as well as direct channels. Empire Insurance Group competes with Allstate agents for the same personal-lines customers in the Minneapolis-St. Paul market and distributes carriers competing against Allstate's own products.
- Hub International: Hub International is a large North American insurance brokerage distributing commercial and personal lines through regional offices. Empire Insurance Group's commercial lines and trucking business model is structurally similar to Hub's SMB-focused brokerage operations, though Hub operates at substantially larger scale.
- State Farm: State Farm is the largest U.S. personal-lines insurer with a captive agent distribution model across auto, home, life, and health. State Farm represents the incumbent competitive alternative that independent agencies like Empire must differentiate against on carrier choice and advisory service.
- Progressive: Progressive is one of the largest U.S. auto insurers and a direct Empire carrier partner. Progressive's aggressive direct-to-consumer digital channel competes with Empire's agency distribution for the same auto insurance buyer, representing both a partner and a structural competitive threat.
- AssuredPartners: AssuredPartners is a large national insurance brokerage formed through acquisition of independent agencies, distributing commercial and personal lines through regional offices. Empire Insurance Group's multi-line agency model and regional concentration make it a structurally similar peer and a potential acquirer in agency roll-up transactions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Empire Insurance Group social profiles
Digital presenceEmpire Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Empire Insurance Group leadership team
Management profileNumber of profiles
Profiles1 record
Empire Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Empire 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 Empire Insurance Group
What does Empire Insurance Group do?
Empire Insurance Group is an independent insurance agency that places personal and commercial insurance policies on behalf of clients by drawing from a network of more than 70 insurance carriers. The agency delivers side-by-side policy comparisons, paperless onboarding, a 24/7 digital client service portal, and claims advocacy across hundreds of personal and business insurance products including home, auto, umbrella, life, health, high-net-worth, specialty, farm, and commercial lines such as workers compensation, general liability, cyber, professional liability, and trucking coverage.
Is Empire Insurance Group a public or private company?
Empire Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Empire Insurance Group founded?
Empire Insurance Group was founded in -1. It employs 11 to 50 people.
Where is Empire Insurance Group based?
Empire Insurance Group is headquartered in North Branch, United States, in the North America region.
How does Empire Insurance Group make money?
One revenue line is on record: insurance Commissions.
Who are Empire Insurance Group's main competitors?
Direct peers on record are Goosehead Insurance, Leavitt Group and Brightway Insurance. Broad incumbents are Marsh McLennan, Brown & Brown Insurance, Allstate, Hub International, State Farm, Progressive and AssuredPartners.
Does Empire Insurance Group have an API?
No public API is recorded for Empire Insurance Group.
What industry is Empire Insurance Group in?
Empire Insurance Group's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 5242 and its SIC code is 6411.