Graf Group Insurance
Graf Group Insurance is a privately held independent insurance agency in Maryland Heights, Missouri, serving individuals, families, and small businesses with personal, commercial, life, health, and specialty coverage placed across 20+ insurance carriers via direct agent sales.
- Company typePrivate
- Founded2005
- HeadquartersMaryland Heights, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Graf Group Insurance does
Graf Group Insurance (legally The Graf Group, LLC Insurance Services) is a privately held independent insurance agency founded in 2005 by Kimberley Graf in Maryland Heights, Missouri. The agency operates from a single office at #6 Fee Fee Road with a core team of three (the owner and two licensed customer service representatives) and is licensed to write insurance only in Missouri. As an independent agency, it represents more than 20 insurance carriers across personal, commercial, life/health, and specialty lines, including Safeco (Liberty Mutual Group), Progressive, Travelers, The Hartford, Foremost, Nationwide, MetLife, United Healthcare, Missouri Employer's Mutual, Lloyds of London, and several regional and non-standard carriers. The agency does not build proprietary technology; its stack consists of standard insurance industry systems for quoting, policy management, and claims processing provided through carrier and AMS platforms.
The business model is commission-based: the agency earns carrier commissions on policies sold and renewed across its diversified carrier roster, with no subscription or fee-for-service revenue disclosed. Pricing is quote-based and varies by risk, with monthly billing available across all lines. Customer segments are individuals and families (auto, home, condo, renters, umbrella, motorcycle, boat, RV, classic car, off-road, landlord, earthquake, SR-22) and small businesses (commercial auto, commercial property, general liability, workers compensation, professional/E&O), plus life and health coverage. Distribution is direct, via phone (314-291-1600), email, in-person, and website quote requests, supplemented by a $10 gas gift card referral program, an active Facebook page, Google review presence, BBB accreditation, Trusted Choice membership, and a steady cadence of community-event vendor booths. Revenue is not publicly disclosed, and the firm is independently owned with no institutional capital, parent company, acquisitions, or funding rounds.
Graf Group Insurance firmographics
Firmographics- Name
- Graf Group Insurance
- Legal name
- The Graf Group, LLC Insurance Services
- Website
- https://grafgroupinsurance.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Graf Group Insurance is a privately held independent insurance agency in Maryland Heights, Missouri, serving individuals, families, and small businesses with personal, commercial, life, health, and specialty coverage placed across 20+ insurance carriers via direct agent sales.
- Ownership category
- akta.pro rank
Where Graf Group Insurance is headquartered
LocationHeadquarters
- HQ city
- Maryland Heights
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Graf Group Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance Commissions: As an independent insurance agency, Graf Group Insurance earns commissions from insurance companies when policies are sold and renewed. They represent multiple insurance carriers including Safeco, Progressive, Travelers, Hartford, Foremost, and others.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Auto Insurance - Variable pricing based on vehicle, driver profile, and coverage needs |
| Subscription | Monthly | Homeowner Insurance - Variable pricing based on property and coverage needs |
| Subscription | Monthly | Business Insurance - Variable pricing based on business type and coverage needs |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Graf Group Insurance product offering
Product offeringCore offering
Graf Group Insurance is an independent insurance agency that brokers personal, commercial, life, health, and specialty insurance products on behalf of Missouri consumers and small businesses. The agency earns carrier commissions by representing 20+ insurance companies and providing comparison shopping, policy recommendations, and ongoing servicing. It sells and services auto, home, condo, renters, umbrella, motorcycle, boat, RV, classic car, off-road vehicle, landlord, earthquake, SR-22, commercial auto/property/liability, workers compensation, life, and health insurance policies.
Product overview
Graf Group Insurance is an independent insurance agency offering a comprehensive portfolio of insurance products across personal, business, life & health, and specialty lines. The agency operates as a one-stop shop, providing personal insurance products (auto, homeowner, condo, renters, umbrella, motorcycle, boat, RV, classic car, off-road vehicle, landlord protection, earthquake insurance) alongside business insurance products (commercial auto, commercial property, commercial liability, workers compensation), and life & health insurance (term, whole, universal life; consumer-directed, fee for service, managed care health plans). Specialty products include SR-22 filings for high-risk drivers. As an independent agency representing multiple insurance carriers (Safeco, Progressive, Travelers, The Hartford, Foremost, and others), they provide comparison shopping and tailored coverage recommendations across their product portfolio.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Personal auto insurance coverage providing liability, collision, comprehensive, medical payments, rental reimbursement, and roadside assistance for individual vehicle owners, with quotes from multiple insurance companies for comparison.
- Homeowner Insurance Homeowners insurance covering property damage, personal liability, medical payments, additional living expenses, and personal property protection for homeowners.
- Condo Insurance Condominium insurance covering personal property, liability, unit improvements, loss assessment, and additional living expenses for condo owners.
- Renters Insurance Renters insurance protecting personal property against theft or damage, with liability coverage and medical payments coverage for visitors.
- Umbrella Insurance Personal umbrella liability policy providing additional layers of protection exceeding home, auto, or other underlying insurance policy limits (starting at $1,000,000).
- Motorcycle Insurance Motorcycle insurance coverage for cruisers, sport bikes, choppers, and scooters, including coverage for upgrades, helmets, leathers, and bags.
- Boat Insurance Boat and watercraft insurance covering liability, physical damage, medical payments, uninsured boater coverage, fuel spill liability, wreckage removal, personal effects, and emergency assistance.
- RV Insurance Recreational vehicle insurance for motorhomes, travel trailers, campers, and horse trailers with options including stated value, agreed value, replacement cost, vacation liability, and personal effects coverage.
- Classic Car Insurance Collector car insurance with agreed value coverage, low rates for part-time drivers, generous mileage allowances, and roadside assistance for classic and antique vehicles.
- Off-Road Vehicle Insurance Specialty insurance for ATVs, dirt bikes, dune buggies, golf carts, snowmobiles, and other motorsports vehicles covering collision, liability, and comprehensive physical damage.
- Landlord Protection Insurance Landlord insurance providing liability protection against personal injury, wrongful eviction, wrongful entry, libel, and slander for rental property owners.
- Earthquake Insurance Earthquake insurance as an endorsement or separate policy covering earthquake damage to homes, condos, and renters policies.
- SR-22 Filing SR-22 insurance filing service for drivers with DWI, suspensions, or uninsured accident convictions, including same-day filing, electronic state filing, and license reinstatement assistance.
- Life Insurance Life insurance products including term life, whole life, and universal life policies with death benefits and living benefits options for individuals and families.
- Health Insurance Health insurance options including consumer-directed plans, fee for service plans, and managed care plans (HMOs, PPOs, POS) covering medical, surgical, and hospital expenses including mental health and prescription drugs.
- Workers Compensation Insurance Workers compensation coverage paying for medical care, rehabilitation, and lost wages for employees injured at work, with additional services including disability case management and vocational rehabilitation.
- Commercial Auto Insurance Commercial auto insurance covering trucks, cars, and motorized equipment with bodily injury liability, property damage, medical payments, and hired/non-owned auto liability coverage.
- Commercial Property Insurance Commercial property insurance covering buildings, inventory, equipment, and tools with protection against fire, break-in, vandalism, wind, and other disasters, including business income and EDP coverage.
- Commercial Liability Insurance General commercial liability insurance with options for professional liability (E&O), employment practices liability (EPLI), and directors and officers (D&O) coverage.
Companies that use Graf Group Insurance
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Graf Group Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Graf Group Insurance partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and supporting.
- Safeco Insurance (Liberty Mutual Group)coreFeatured partner displayed prominently on the website. Safeco offers personal and business insurance products. Safeco is a Liberty Mutual Group company.
- ProgressivecoreMajor national auto insurance carrier represented by the agency. Provides auto, home, and other personal insurance products.
- TravelerscoreNational property and casualty insurance company offering commercial and personal insurance products.
- The HartfordcoreMajor insurance provider offering auto, home, and business insurance products.
- Foremost InsurancecoreSpecialty insurance carrier known for covering niche products including classic cars, motorhomes, and specialty vehicles.
- NationwidecoreLarge national mutual insurance company offering a wide range of insurance and financial products.
- MetLifecoreMajor insurance and benefits provider offering auto, home, and life insurance products.
- United HealthcarecoreHealth insurance provider offering health coverage plans for individuals and businesses.
- Dairyland AutosupportingAuto insurance carrier (formerly Viking) specializing in high-risk and non-standard auto coverage.
- Missouri Employer's MutualcoreMissouri-based workers compensation insurance company serving Missouri employers.
- GMACsupportingInsurance provider offering auto and other personal insurance products.
- CNAsupportingCommercial insurance company offering business insurance products including professional liability.
- Kemper InsurancesupportingAuto and home insurance provider offering coverage through independent agents.
- Cornerstone GroupsupportingMissouri-based insurance carrier offering auto insurance products.
- Alfa InsurancesupportingRegional insurance company offering auto, home, and business insurance primarily in the Southeast.
- Western WorldsupportingInsurance company offering specialty and surplus lines insurance products.
- Lloyds of LondonsupportingGlobal insurance market providing specialty and excess/surplus lines coverage.
- 21st Century InsurancesupportingDirect-to-consumer auto insurance company offering policies through various channels.
- NorthlandsupportingInsurance company offering auto and specialty vehicle coverage.
- BurlingtonsupportingInsurance company represented in the agency's carrier portfolio.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Graf Group Insurance competitors and assessment
Company assessmentBroad incumbents
- Acrisure: Global insurance brokerage and fintech platform that has aggressively acquired independent agencies. Operates the same multi-carrier agency model but as a top-tier consolidator with capital and technology advantages.
- Integrity Marketing Group: Large distributor of life and health insurance products through independent agents and agencies. Overlaps with Graf Group's life and health brokerage activities but operates at massive national scale as a platform acquirer.
- Hub International: Large insurance brokerage platform offering personal and commercial lines through acquired independent agencies. Comparable multi-carrier brokerage model but at enterprise scale and with broader geographic reach.
- Progressive (direct and agency channels): National carrier that both sells direct and supplies products through independent agents like Graf Group. Represents both a key carrier partner and a competing distribution channel for the same end customers.
Direct peers
- Brightway Insurance: Independent insurance agency franchise representing multiple carriers across personal and commercial lines. Comparable to Graf Group in business model (multi-carrier independent agent), with broader geographic footprint.
- Goosehead Insurance: Independent insurance agency franchise model placing personal and commercial lines through multiple carriers. Operates in a similar multi-carrier brokerage model serving individuals and small businesses, though at much larger national scale.
- Smart Choice Insurance Agents: Network of independent insurance agents placing personal and commercial business with multiple carriers. Closely comparable in business model and product scope, serving similar small-business and consumer segments.
- Family First Life: Independent insurance marketing organization distributing life and health products through agents. Comparable to Graf Group's life and health brokerage function, though with a narrower product focus.
- State Farm (captive agent): Captive insurance carrier with local agent network competing directly for the same personal and small-commercial lines customers. One testimonial references a customer switching from State Farm to Graf Group, illustrating direct head-to-head competition.
- Allstate (captive agent): Captive insurance carrier with local agents offering similar personal lines (auto, home, life) in the same Missouri geography. Competes head-to-head for the same individual and family customer segment.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Graf Group Insurance social profiles
Digital presenceGraf Group Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Graf Group Insurance leadership team
Management profileNumber of profiles
Profiles3 records
Graf Group Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Graf Group Insurance 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 Graf Group Insurance
What does Graf Group Insurance do?
Graf Group Insurance is an independent insurance agency that brokers personal, commercial, life, health, and specialty insurance products on behalf of Missouri consumers and small businesses. The agency earns carrier commissions by representing 20+ insurance companies and providing comparison shopping, policy recommendations, and ongoing servicing. It sells and services auto, home, condo, renters, umbrella, motorcycle, boat, RV, classic car, off-road vehicle, landlord, earthquake, SR-22, commercial auto/property/liability, workers compensation, life, and health insurance policies.
Is Graf Group Insurance a public or private company?
Graf Group Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Graf Group Insurance founded?
Graf Group Insurance was founded in 2005. It employs 11 to 50 people.
Where is Graf Group Insurance based?
Graf Group Insurance is headquartered in Maryland Heights, United States, in the North America region.
How does Graf Group Insurance make money?
One revenue line is on record: insurance Commissions.
Who are Graf Group Insurance's main competitors?
Broad incumbents on record are Acrisure, Integrity Marketing Group, Hub International and Progressive (direct and agency channels). Direct peers are Brightway Insurance, Goosehead Insurance, Smart Choice Insurance Agents, Family First Life, State Farm (captive agent) and Allstate (captive agent).
Does Graf Group Insurance have an API?
No public API is recorded for Graf Group Insurance.