Neverman Insurance Agency
Neverman Insurance Agency is a family-owned independent insurance agency in Westlake, Ohio, founded in 1979, that distributes personal, commercial, and life insurance products from 45+ carriers to individuals, families, and small-to-mid-sized businesses across Ohio.
- Company typePrivate
- Founded1979
- HeadquartersWestlake, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Neverman Insurance Agency does
Neverman Insurance Agency is an independent insurance agency founded in 1979 by Jeff Neverman and headquartered at 27594 Detroit Road in Westlake, Ohio. The agency serves individuals, families, and small-to-mid-sized businesses across the state of Ohio, distributing personal lines (homeowners, auto, umbrella, life, flood, pet, Medicare, specialty dwelling, recreational vehicles), commercial lines (general liability, commercial auto, contractors, bonds, trucking, professional liability, cyber liability, restaurant, group benefits), and life and health products (term, whole, final expense, annuities, long-term care, disability). As an independent agency, it places business with 45+ named insurance carriers rather than representing a single insurer, enabling cross-carrier shopping on behalf of each customer.
The agency's technology footprint consists of industry-standard tools rather than proprietary infrastructure: the Insurance Agent App (IA App) provides iOS and Android customers with 24/7 access to policy documents, bill pay, vehicle ID cards, and secure two-way document sharing; a web client portal handles desktop self-service; and specialized third-party platforms (BoldPenguin for commercial intake, Neptune Flood, Propeller for bonds, Safeco for pet, Armadillo for home warranty) cover specific product workflows. A life insurance quoting tool accesses over 30 carriers. There is no disclosed AI, machine learning, or proprietary model infrastructure.
Revenue is generated through commissions paid by insurance carriers on policies sold and renewed, with no disclosed public pricing — all quotes are individualized based on carrier underwriting of the customer's risk profile. The go-to-market motion is hybrid digital-to-human: prospective customers initiate via online quote forms segmented by product line, and agency advisors complete coverage comparison and follow-up personally. Current leadership is President John Horvath and Vice President Becky Neverman-Horvath, with founder Jeff Neverman retired; the firm is family-owned, privately held, and serves exclusively Ohio.
Neverman Insurance Agency firmographics
Firmographics- Name
- Neverman Insurance Agency
- Legal name
- Neverman Insurance Agency
- Website
- https://nevermaninsurance.com
- Company type
- Private
- Founded year
- 1979
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Neverman Insurance Agency is a family-owned independent insurance agency in Westlake, Ohio, founded in 1979, that distributes personal, commercial, and life insurance products from 45+ carriers to individuals, families, and small-to-mid-sized businesses across Ohio.
- Ownership category
- akta.pro rank
Neverman Insurance Agency industry classification
Industry- Product category
- Independent Insurance Agency Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Non-Participating Whole Life Insurance (FSAIABAJ)
- akta.pro secondary industries
- Group Term Life Insurance (FSAIAAAJ), Hired & Non-Owned Auto (FSAJABAE), Basic Group Term Life (Employer-Paid) (FSAIADAA), Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)
Keywords
Where Neverman Insurance Agency is headquartered
LocationHeadquarters
- HQ city
- Westlake
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Neverman Insurance Agency business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Commissions: As an independent insurance agency, Neverman Insurance Agency earns revenue through commissions paid by insurance carriers on policies sold and renewed. They represent multiple insurance carriers and are compensated by those carriers for placing and servicing business.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Individualized insurance quotes — no standardized tiers; pricing determined by carrier underwriting based on customer risk profile |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Neverman Insurance Agency product offering
Product offeringCore offering
Neverman Insurance Agency is an independent insurance agency that sells personal, commercial, and life insurance products on behalf of 30+ insurance carriers. It shops the market for each customer to deliver the best combination of coverage and cost, supported by online quote intake, a mobile app, and a client portal for ongoing policy servicing. The agency operates from Westlake, Ohio and serves individuals, families, and small-to-mid-sized businesses across the state.
Product overview
Neverman Insurance Agency offers a comprehensive insurance portfolio serving individuals, families, and businesses in Ohio. The agency operates as an independent insurance agency representing multiple carriers. Their personal insurance products include homeowners, auto, life, umbrella, specialty dwelling, motorcycle, boat, flood, condo, renters, powersports, recreational vehicle, Medicare, disability, and pet insurance. Commercial insurance offerings encompass contractors insurance, bonds, business property, commercial auto, general liability, commercial umbrella, trucking, group benefits, professional liability, cyber liability, and restaurant insurance. Life insurance products include term life, whole life, final expense, annuities, and long-term care. The agency also provides a mobile app (IA App) and client portal for customer self-service including policy management, bill pay, and document sharing.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Comprehensive insurance coverage for individuals and families including homeowners, auto, life, umbrella, specialty dwelling, motorcycle, boat, RV, flood, condo, renters, Medicare, disability, and pet insurance, sourced across multiple carriers.
- Commercial Insurance Business insurance coverage protecting companies of all sizes against various risks, including contractors insurance, bonds, business property, commercial auto, general liability, commercial umbrella, trucking, group benefits, professional liability, cyber liability, and restaurant insurance.
- Life Insurance Financial protection for loved ones through term life, whole life, and final expense insurance, plus retirement income products including annuities and long-term care insurance.
- IA App (Insurance Agent Mobile App) Customer service platform available on iOS and Android providing 24/7 access to policy documents, bill pay, pre-loaded vehicle ID cards, policy management, and secure 2-way document sharing for agency clients.
- Client Portal Online customer portal for 24/7 policy access, bill pay, vehicle ID cards, document management, and secure account servicing.
- Refer a Friend Program Formal referral program allowing existing customers to refer friends and family, capturing prospects through a dedicated intake form for follow-up by agency advisors.
Quantifiable outcome
- 47% lower rates vs. Allstate
- +4 more outcomes
Companies that use Neverman Insurance Agency
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
Neverman Insurance Agency technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Neverman Insurance Agency partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Insurance Agent AppcoreThe agency uses the Insurance Agent App (id595397896) as its primary customer service and self-service technology platform, providing clients with 24/7 access to policy documents, bill pay, vehicle ID cards, and secure 2-way document sharing. Available on both iOS and Android.
- Insurance Carriers (Multi-Carrier Network)coreNeverman Insurance Agency operates as an independent insurance agency representing multiple insurance carriers. The carrier directory lists over 45 carrier partners including: Aegis, American Collectors Insurance, American Modern, Auto-Owners Insurance, Berkley Management Protection, Berkshire Hathaway Homestate Company, biBerk, Branch, Bristol West, Capital Premium Financing, Cincinnati Insurance, Chubb, Clearcover, CNA Insurance, Condon Skelly, Encova, Foremost, Founders, Francis L Dean, Geico, Grand River, Grange, Great American Insurance, Hagerty, Honeycomb, Jewelers Mutual, Lemonade, Liberty Mutual, Merchants, National General, Neptune Flood, NEXT, Obie Insurance, Ohio Fair Plan, Ohio Mutual, Openly, Orion 180, Personal Umbrella, Progressive, Propeller, Safeco, Spriska, Steadily, The Hartford, Thimble, Travelers, US Assure, Utica First, Vacant Express, Western Reserve Group, and WeSure Insurance. The agency earns commissions from these carriers for placing and renewing business.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Neverman Insurance Agency competitors and assessment
Company assessmentEmerging players
- Lemonade: Digital-native insurance carrier using AI-driven underwriting and mobile-first UX to sell renters, homeowners, and pet insurance direct. Listed as a Neverman carrier partner while also competing for the same personal-lines customers through direct digital channels.
Regional players
- Westfield Insurance: Ohio-based regional insurance carrier serving personal and commercial lines primarily in the Midwest. Comparable as an Ohio-rooted insurance brand; competing for similar customers through its own agency and direct channels.
- Encova Insurance: Regional insurance carrier operating in the Midwest and Mid-Atlantic with strong Ohio presence. Comparable as a regional P&C competitor and a carrier partner competing for the same SMB commercial book.
- Erie Insurance: Regional P&C and life insurance carrier headquartered in Erie, PA, with strong distribution across Ohio and the Midwest. Comparable as a regional insurance brand with Ohio market overlap, though operating as a carrier with captive agents rather than independent agency.
- Cincinnati Financial (Cincinnati Insurance): Ohio-headquartered property and casualty insurance carrier with independent agency distribution. Comparable Ohio-based insurance competitor with overlapping carrier/agency dynamics in the regional market.
Direct peers
- Hylant Group: Independent insurance brokerage headquartered in Toledo, Ohio, serving commercial and personal lines through a multi-carrier model. Directly comparable to Neverman in geographic footprint (Ohio) and independent agency structure, though significantly larger in scale.
- Goosehead Insurance: Independent insurance agency franchise operating a multi-carrier comparison model across personal and commercial lines. Directly comparable to Neverman on independent agency economics and multi-carrier shopping value proposition, with a tech-forward operating model.
- Brightway Insurance: Independent insurance agency franchise offering home, auto, and commercial coverage through multiple carriers. Comparable multi-carrier agency model targeting personal and small commercial customers with a retail/storefront presence.
Broad incumbents
- Progressive Insurance: Major national P&C carrier with strong direct-to-consumer auto insurance brand and broad Ohio presence. Competes directly for Neverman's personal auto and commercial auto customers through its own direct and agency channels.
- State Farm: Large national P&C and life carrier with a captive agent distribution model and deep Ohio presence. Direct competitor for personal lines customers, and explicitly named by Neverman in its rate-comparison marketing claims.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Neverman Insurance Agency social profiles
Digital presenceNeverman Insurance Agency financial estimates
Financial estimateRevenue estimate
Valuation estimate
Neverman Insurance Agency leadership team
Management profileNumber of profiles
Profiles16 records
Neverman Insurance Agency funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Neverman Insurance Agency 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 Neverman Insurance Agency
What does Neverman Insurance Agency do?
Neverman Insurance Agency is an independent insurance agency that sells personal, commercial, and life insurance products on behalf of 30+ insurance carriers. It shops the market for each customer to deliver the best combination of coverage and cost, supported by online quote intake, a mobile app, and a client portal for ongoing policy servicing. The agency operates from Westlake, Ohio and serves individuals, families, and small-to-mid-sized businesses across the state.
Is Neverman Insurance Agency a public or private company?
Neverman Insurance Agency is a private company. It is classified as family owned and is currently operating.
When was Neverman Insurance Agency founded?
Neverman Insurance Agency was founded in 1979. It employs 1 to 10 people.
Where is Neverman Insurance Agency based?
Neverman Insurance Agency is headquartered in Westlake, United States, in the North America region.
How does Neverman Insurance Agency make money?
One revenue line is on record: insurance Commissions.
Who are Neverman Insurance Agency's main competitors?
Lemonade is listed as an emerging player. Regional players are Westfield Insurance, Encova Insurance, Erie Insurance and Cincinnati Financial (Cincinnati Insurance). Direct peers are Hylant Group, Goosehead Insurance and Brightway Insurance. Broad incumbents are Progressive Insurance and State Farm.
Does Neverman Insurance Agency have an API?
No public API is recorded for Neverman Insurance Agency.
What industry is Neverman Insurance Agency in?
Neverman Insurance Agency's product category is Independent Insurance Agency Services. Its primary akta.pro industry code is FSAIABAJ, Non-Participating Whole Life Insurance, with a secondary code of FSAIAAAJ, Group Term Life Insurance. Its NAICS code is 5242 and its SIC code is 6411.