Jeffcoat & Jeffcoat Insurance

What Jeffcoat & Jeffcoat Insurance does

Jeffcoat & Jeffcoat Insurance is an independent insurance agency headquartered in Lexington, South Carolina, founded in 2016 by Bryon Jeffcoat and Brandon Jeffcoat after the founders left large insurance firms. The firm operates as a multi-line agency distributing commercial insurance, employee benefits, and personal insurance products across South Carolina and surrounding states, with 11-50 employees. It represents more than eleven insurance carriers including Nationwide, Progressive, Travelers, Auto-Owners, Bristol West, Encompass, Lighthouse Property, Main Street America Group, SAFECO, Selective, and State Auto, allowing it to quote across multiple carriers for each client engagement.

The agency's product portfolio spans three divisions. Business Services covers liability (commercial umbrella, cyber liability, EPLI, general liability, professional liability), personnel (D&O, workers' compensation), disaster (business interruption, commercial property, crime, flood), construction (builder's risk, surety bonds, inland marine), and industry-specific coverage (commercial auto, trucking, farm/agribusiness, liquor liability). Employee Benefits provides benefit design, eligibility management, SupplementHR consulting (compliance, policies, learning management, continuing education), standard insurance plans (fully insured, exchange, cost-sharing, short-term medical, long-term disability), self-funded plans, and additional coverages (dental, vision, life, disability, 401K, voluntary benefits). Personal Insurance covers home, auto, valuables, life, specialty (estates, farms, coastal property, equine), and individual/family healthcare options.

The firm is founder-owned and bootstrapped, with no institutional investors, funding rounds, acquisitions, or leadership transitions disclosed. Revenue is generated primarily through insurance carrier commissions on policies placed, supplemented by HR consulting fees with disclosed pricing. Distribution is sales-led and relationship-based, combining direct phone outreach, website quote requests, an online consumer quote portal, and an enterprise field sales motion targeting HR directors and CFOs at mid-to-large businesses. Technology is described as a standard agency stack with no proprietary platforms, and no AI/ML capabilities are disclosed.

Name

Jeffcoat & Jeffcoat Insurance

Legal name

Jeffcoat & Jeffcoat Insurance

Website

https://jeffcoatandjeffcoat.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Jeffcoat & Jeffcoat Insurance is an independent, founder-owned insurance agency in Lexington, SC, distributing commercial, employee benefits, and personal insurance across South Carolina and surrounding states through 11+ carrier partnerships and relationship-led sales.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

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

Keywords

• Commercial insurance agency
• Employee benefits administration
• Personal insurance services
• Risk management solutions
• Independent insurance brokerage

Headquarters

HQ city

Lexington

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 Agency Commissions: As an independent insurance agency, the company earns commissions from multiple insurance carriers for placing business and personal insurance policies. They represent many different insurance companies to find the best solutions for clients.
2. HR Consulting Services: Provides HR consulting services including compliance, policies, procedures, learning management programs, and continuing education for HR professionals. Fully disclosed consulting fees and service pricing platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Jeffcoat & Jeffcoat Insurance is an independent insurance agency that acts as a total risk solutions partner, placing commercial insurance, employee benefits, and personal insurance coverage on behalf of clients across South Carolina and surrounding states. The agency represents multiple insurance carriers (Auto-Owners, Nationwide, Progressive, Travelers, Bristol West, Encompass, Lighthouse Property, Main Street America Group, SAFECO, Selective, State Auto) to offer competitive options, and supplements placement with HR consulting services such as SupplementHR, eligibility management, benefit design, and transparent cost reviews.

Product overview

Jeffcoat & Jeffcoat Insurance operates as an independent insurance agency providing a comprehensive portfolio of risk solutions across three main segments: Business Services (Commercial Insurance), Employee Benefits, and Personal Insurance. The Business Services division offers Liability Coverage, Personnel Coverage, Disaster Coverage, Construction Coverage, and Industry-Specific Coverage as core product lines. The Employee Benefits division provides a BEST framework consisting of Benefit Design, Eligibility Management, SupplementHR, and Transparency services, along with Standard Insurance plans, Self-Funded Plans, and Additional Coverages. The Personal Insurance segment covers home, auto, life, and specialty insurance needs. As a total risk solutions partner, the agency represents multiple insurance carriers including Auto-Owners, Bristol West, Encompass, Lighthouse Property, Main Street America Group, Nationwide, Progressive, SAFECO, Selective, State Auto, and Travelers to find competitive options for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Liability Coverage Business liability insurance products including Commercial Umbrella, Cyber Liability, EPLI, General Liability, and Professional Liability (E&O) coverage designed to protect businesses from various risk exposures. Targeted at business clients across multiple industries.
• Personnel Coverage Coverage protecting businesses from personnel-related risks including Directors & Officers insurance and Workers' Compensation to safeguard both leadership and employees. Targeted at business clients.
• Disaster Coverage Business interruption, commercial property, crime, and flood insurance products to protect businesses from natural disasters and man-made destruction events. Targeted at business clients needing catastrophe risk coverage.
• Construction Coverage Specialized coverage for construction industry risks including Builder's Risk, Surety Bonds, and Inland Marine insurance. Targeted at construction industry clients.
• Industry Specific Coverage Tailored insurance solutions for specific industries including Commercial Auto, Commercial Trucking, Farm/Agribusiness, and Liquor Liability. Targeted at businesses in specialized trades.
• Standard Insurance Plans Employee benefit plans including Fully Insured Plans, Exchange Plans, Cost Sharing Medical Programs, Short Term Medical, and Long Term Disability options. Targeted at employers providing employee benefits.
• Self-Funded Plans Custom benefit design, stop loss procurement, TPA review and placement, health advocacy, and PBM analysis services for self-insured employers. Targeted at employers seeking self-funded benefit structures.
• Additional Employee Coverages Supplementary employee benefits including Dental, Vision, Life & Disability Insurance, 401K Programs, and Voluntary Consumer Benefits. Targeted at employers seeking comprehensive benefits packages.
• SupplementHR HR consulting service providing resources for compliance, policies, and procedures, plus access to learning management programs and continuing education for HR professionals. Targeted at employer HR teams needing supplemental HR support.
• Personal Insurance Coverage for home, automobiles, and valuables including boats and ATVs to protect personal assets. Targeted at individuals and families.
• Life Insurance Insurance products to provide for families and protect estates. Targeted at individuals and families seeking financial security.
• Specialty Insurance Specialized coverage for personal health insurance, high value estates, farms, coastal property, and equine. Targeted at individuals and families with specialized coverage needs.
• Individual & Family Healthcare Options Free phone consultation service for Medical, Dental, Vision, Short-Term Medical and Medicare products, with access to multiple insurance carriers. Targeted at individuals and families navigating healthcare and Medicare coverage choices.

Quantifiable outcome

• Clients receive quarterly financial reviews with estimated costs broken out by employee per month and annual spend
• +2 more outcomes

Named customers3 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

Eleven partnerships are on record, tiered core and minor.

• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Jeffcoat & Jeffcoat for personal insurance products. One of multiple carriers used to find competitive options for clients.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier represented for personal insurance products including home, auto, and specialty coverage.
• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented for personal lines products, providing competitive options for auto and home insurance.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor commercial and personal lines insurance carrier represented to provide comprehensive coverage options.
• Bristol WestminorChannel Partner/ Reseller/ DistributorInsurance carrier for personal auto coverage, part of the network of carriers used to find competitive rates.
• EncompassminorChannel Partner/ Reseller/ DistributorInsurance carrier represented for personal insurance products.
• Lighthouse PropertyminorChannel Partner/ Reseller/ DistributorProperty insurance carrier for personal lines coverage.
• Main Street America GroupminorChannel Partner/ Reseller/ DistributorRegional insurance carrier group represented for personal and commercial coverage.
• SAFECOminorChannel Partner/ Reseller/ DistributorInsurance carrier for personal auto and home coverage, part of Liberty Mutual group.
• SelectiveminorChannel Partner/ Reseller/ DistributorInsurance carrier represented for personal insurance products.
• State AutominorChannel Partner/ Reseller/ DistributorRegional insurance carrier for personal lines coverage.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Goosehead Insurance: Independent personal-lines agency distributing through multiple carriers with an online quote portal. Comparable to Jeffcoat & Jeffcoat's consumer-facing personal lines motion and multi-carrier model.
• Brightway Insurance: Multi-carrier insurance franchise distributing personal and commercial lines across the Southeast US. Closely mirrors Jeffcoat & Jeffcoat's independent brokerage model and regional growth strategy.
• Hilb Group: Mid-Atlantic and Southeast regional insurance broker offering commercial, personal, and benefits lines. Similar multi-line, mid-market focus with comparable size profile.
• World Insurance Associates: Multi-line insurance agency with strong personal and commercial franchise, especially across the Eastern US. Comparable agency-of-agents model and segment mix.
• Foundation Insurance & Financial Services: Personal-lines focused independent agency distributing through multiple carriers. Comparable in scale and product mix on the personal lines side.

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with strong middle-market and benefits capabilities. Represents the consolidator Jeffcoat & Jeffcoat must displace to grow share.
• Acrisure: Tech-enabled global insurance brokerage built by rolling up independent agencies. Represents both a competitive threat and a credible PE-backed aggregator comparable in spirit.
• Brown & Brown: Large national insurance broker offering commercial, personal, and benefits products. Sets the bar on service breadth and is a frequent competitor for mid-market accounts.
• Integrity Marketing Group: Large multi-channel insurance distribution platform aggregating independent agencies. Relevant comparison for Jeffcoat & Jeffcoat as a possible future roll-up target.

Emerging players

• SelectQuote: Tech-enabled insurance distribution platform emphasizing senior life and health products. Adjacent competitor in personal lines and benefits distribution, especially via digital channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Jeffcoat & Jeffcoat Insurance