What Central Insurance Agency does

Central Insurance Agency (CIA) is a privately held commercial insurance brokerage headquartered in Smithtown, New York, founded in 2001 and operating nationwide with a California DBA (CIA West Insurance Services, license #OH16068). The firm specializes in placing coverage for "hard-to-insure" specialty industries that standard markets often decline — primarily security guard services, alarm and security systems installation, fire suppression contractors, home healthcare agencies, janitorial and commercial cleaning services, and general and specialty trade contractors. Across these verticals, CIA arranges general liability, workers' compensation, professional liability (E&O), excess umbrella, commercial auto, employment practices liability (EPLI), and bonding coverage, and layers on line-by-line policy reviews, insurance audit counseling, and certificate-of-insurance issuance positioned as a turnaround-time advantage (minutes rather than days) for clients bidding on contracts or responding to RFPs.

The product set is sold rather than engineered: the firm discloses no proprietary technology platform, no APIs, and no integrations, and relies on long-standing carrier relationships across all major US carriers to access specialty capacity and underwriting flexibility. Supporting surface includes Personal Insurance (home, auto, life, umbrella, identity theft) offered as a courtesy cross-sell to commercial clients, plus a content presence via the CIA Insider blog and corporate social channels. Operations are sales-led through toll-free phone (877-242-9600), website quote requests, and policy-review requests, with high-touch enterprise field sales targeting complex specialty accounts.

Commercially, CIA earns commissions from carrier placement (described as subscription-style recurring commission relationships); pricing is quote-based, contractually multi-year, and not publicly disclosed. Customer concentration is centered in the security-guard vertical across multiple named accounts, with documented multi-decade client tenures indicating relationship-based retention rather than transactional churn. The firm is founder/owner-operated with no disclosed institutional investors, acquisitions, or material leadership transitions in the data set.

Name

Central Insurance Agency

Legal name

Central Insurance Agency Inc.

Website

https://ciainsures.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Central Insurance Agency is a privately held commercial insurance broker in Smithtown, NY, specializing in hard-to-insure industries including security guard services, fire suppression contractors, alarm installers, home healthcare agencies, janitorial companies, and general contractors, operating nationwide.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Commercial insurance brokerage
• Specialty industry insurance
• Hard-to-insure coverage
• Workers compensation insurance
• General liability insurance

Headquarters

HQ city

Smithtown

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As an insurance broker, Central Insurance Agency earns commissions from insurance carriers for placing policies. They work with longstanding relationships with all major carriers nationwide to formulate the right coverage for clients at competitive rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Central Insurance Agency is a nationwide commercial insurance broker that places and services business insurance policies for hard-to-insure specialty industries. The firm structures coverage programs across general liability, workers' compensation, professional liability, commercial auto, umbrella, EPLI, and bonding, and pairs placement with line-by-line policy reviews and audit counseling. It also offers personal insurance and advisory services as a convenience to its commercial clients.

Product overview

Central Insurance Agency offers a coordinated portfolio of commercial and personal insurance products delivered as a broker service model. The core commercial insurance suite includes General Liability Insurance, Workers' Compensation Insurance, Professional Liability (E&O) Insurance, Excess Umbrella Insurance, Commercial Auto Insurance, Employment Practices Liability Insurance (EPLI), and Bonding Insurance. These are complemented by six industry-specific specialty programs targeting Security Guard Services, Alarm & Security Systems, Fire Suppression, Home Healthcare Agencies, Janitorial & Commercial Cleaning, and General Contractors/Specialty Trades. Personal Insurance products (home, auto, life, home office, umbrella, identity theft) are offered as an ancillary convenience. Supporting services include Policy Review & Assessment and Insurance Audit Review & Counseling to help clients optimize coverage and manage compliance. The company positions itself as a specialist broker for hard-to-insure industries with complex risk profiles.

Differentiator

Problem solved

Functional benefit

Products and services

• General Liability Insurance Foundation coverage protecting businesses against third-party claims involving property damage, bodily injury, personal injury, and advertising injury arising from business operations.
• Workers' Compensation Insurance Coverage providing benefits for employee workplace injuries or illnesses including medical expenses, lost wages, rehabilitation, and disability payments.
• Professional Liability Insurance (Errors & Omissions)

Quantifiable outcome

• Certificates of insurance provided in minutes, not days
• +2 more outcomes

Named customers16 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Burns & Wilcox (HW Kaufman Group): National specialty wholesale brokerage placing difficult commercial risks with surplus and specialty insurers. Comparable on focus and difficulty of placement, though operating on the wholesale side of the same specialty vertical play.
• RPS Insurance (Risk Placement Services): National specialty insurance brokerage focused on hard-to-place commercial risks across construction, transportation, security, and human services. Closely comparable to CIA in placing accounts standard carriers reject through dedicated specialty teams.
• Kapnick Insurance Group: Mid-market specialty commercial insurance brokerage with deep practice groups in construction, healthcare, and service industries. Mirrors CIA's specialist-broker positioning with industry-specific expertise.
• Heffernan Insurance Brokers: Privately held commercial insurance brokerage serving mid-market and specialty verticals including contractors, security, and human services. Similar mid-size independent brokerage profile with vertical specialization and relationship-led GTM.
• Insurance Office of America (IOA): Large US commercial insurance brokerage with multiple specialty verticals, including construction, healthcare, and security-adjacent practices. Comparable as a multi-line, multi-vertical commercial broker with deep specialization in classes mainstream carriers decline.
• Founders Professional (Founders Insurance Group): Specialty commercial insurance broker focused on hard-to-place risks across construction, security, and service industries. Closely comparable niche-broker profile with emphasis on declined and complex accounts.
• Ridgeline Insurance Group: Specialty-focused commercial insurance broker known for serving construction and trades-related verticals. Comparable as a mid-sized specialist broker concentrating on contractor and service-industry risks.

Broad incumbents

• Brown & Brown Insurance: Large national insurance brokerage with specialty divisions across commercial and personal lines. Overlaps with CIA in commercial lines but serves a broader market through scale rather than niche specialization.
• Alliant Insurance Services: Top-10 US insurance brokerage serving middle-market and specialty commercial segments including construction and human services. Comparable at the portfolio level but materially larger scale.

Regional players

• Wallis Companies: Privately held insurance and risk management platform with specialty trades and construction focus, operating primarily in the Midwest. Comparable in specialty placement emphasis though its geographic concentration differs from CIA's nationwide reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@CentralInsuranceAgency-n6s
• Facebookfacebook.com/mityjetson72
• LinkedInlinkedin.com/company/ciainsures
• Xx.com/ciainsures

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Central Insurance Agency