The Churchill Agency

What The Churchill Agency does

The Churchill Agency is an independent, privately held insurance agency headquartered in Brentwood, Tennessee (Nashville metro), founded in 2010 and operating with a team of 1-10 employees. The company distributes personal-lines insurance products — homeowners/renters/condo, auto, and term and permanent life insurance — sourced from approximately 16 A-rated carriers including Chubb, Travelers, Progressive, Nationwide, Berkshire Hathaway, Allstate, Liberty Mutual, Safeco, and Penn Mutual. Its go-to-market is sales-led and primarily phone- and email-driven (855-531-8777; [email protected]), supplemented by a content website and social channels on Facebook, LinkedIn, and Instagram.

The agency's revenue model is commission-based: it earns upfront and renewal commissions from carriers on each policy sold, with no disclosed pricing transparency to consumers beyond quote-based monthly billing across all product lines. A free personalized financial planning service covering 27 key areas (Protection, Savings, Growth) is layered into customer acquisition and retention. The agency reports a 49-state operating footprint, no parent company, no disclosed funding history, no proprietary technology platform, and no AI/ML capabilities. Leadership comprises President Dan Jones, COO Matt Clarke, Director of Sales and Operations Alaina Hixson, and Board Member Cecil Kemp.

From a competitive standpoint, the agency's primary structural advantage is its multi-carrier independent status, which allows side-by-side comparison shopping that captive single-carrier agents cannot offer; its primary limitations are a small headcount, absence of technology differentiation, and lack of disclosed revenue or growth metrics, making it a stable but small-scale personal-lines distribution business rather than a venture-stage growth asset.

Name

The Churchill Agency

Legal name

The Churchill Agency

Website

https://thechurchillagency.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

The Churchill Agency is an independent insurance agency in Brentwood, Tennessee, distributing home, auto, and life insurance from 16+ A-rated carriers to individual consumers across 49 U.S. states, with free financial planning as a customer acquisition tool.

Ownership category

akta.pro rank

Product category

Insurance Agency 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

Personal Auto Insurance (FSAJAMAA)

Keywords

• Independent insurance agency
• Home insurance coverage
• Auto insurance policies
• Life insurance planning
• Personal financial planning

Headquarters

HQ city

Brentwood

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, The Churchill Agency generates revenue through commissions paid by insurance carriers. They represent multiple A-rated carriers and earn commissions when policies are sold and renewed. The agency provides free personalized financial planning services as part of their customer acquisition and retention strategy.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

The Churchill Agency is an independent insurance agency that sells Home, Auto, and Life insurance policies from multiple A-rated insurance carriers on behalf of individual consumers. The agency also provides free personalized financial planning services covering 27 key areas across Protection, Savings, and Growth strategies. As an independent agency, they shop multiple carriers to find the best coverage and value for clients.

Product overview

The Churchill Agency is an independent insurance agency providing a suite of insurance products and financial planning services. Their core offerings include Home Insurance (homeowners, condo, and renters coverage), Auto Insurance, Life Insurance (term and permanent), and a Financial Planning service covering 27 key areas through Protection, Savings, and Growth strategies. As an independent agency, they work with multiple A-rated insurance carriers to match clients with personalized coverage and value.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Property insurance coverage for homeowners, renters, and condo owners against disasters, losses, theft, vandalism, and natural events. Coverage extends to the physical structure and/or contents depending on policy type, with deductibles of typically $1,000, $2,500, or $5,000.
• Auto Insurance Vehicle insurance providing financial protection against liability and physical damage or bodily injury from traffic collisions. Coverage types include collision, comprehensive, liability, and medical payments (PIP), with pricing varying by state, vehicle type, driving history, and coverage limits.
• Life Insurance Life insurance contracts that pay a death benefit to beneficiaries upon the insured's death. Available in Term (10, 15, 20, or 30-year durations) and Permanent (lifetime coverage with tax-deferred cash value growth and long-term care protection) options.
• Financial Planning Free personalized financial planning service covering 27 key areas across three sections: Protection (asset and income protection review), Savings (short, mid, and long-term goal planning), and Growth (long-term wealth building and tax benefit strategies). Offered at no cost to clients.

Quantifiable outcome

• Claims processed through easy-to-make claims process
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and secondary.

• ChubbcoreChannel Partner/ Reseller/ DistributorChubb is one of The Churchill Agency's top-rated insurance carriers providing property and casualty insurance products.
• SafecocoreChannel Partner/ Reseller/ DistributorSafeco Insurance is a carrier partner offering auto and home insurance products through the agency.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers is a major insurance carrier partner providing home, auto, and business insurance products.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive Insurance is a carrier partner offering auto and home insurance products through the agency.
• NationwidecoreChannel Partner/ Reseller/ DistributorNationwide Insurance is a carrier partner providing auto, home, and life insurance products.
• Berkshire HathawaycoreChannel Partner/ Reseller/ DistributorBerkshire Hathaway Insurance is a carrier partner offering various insurance products through the agency.
• AllstatecoreChannel Partner/ Reseller/ DistributorAllstate is a major insurance carrier partner offering auto, home, and life insurance products.
• ForemostsecondaryChannel Partner/ Reseller/ DistributorForemost Insurance provides specialty insurance products through the agency.
• GrangesecondaryChannel Partner/ Reseller/ DistributorGrange Insurance is a regional carrier partner offering auto and home insurance products.
• HanoversecondaryChannel Partner/ Reseller/ DistributorThe Hanover Insurance Group provides commercial and personal insurance products.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorLiberty Mutual Insurance is a carrier partner offering auto, home, and business insurance products.
• OpenlysecondaryChannel Partner/ Reseller/ DistributorOpenly is a modern insurance carrier partner providing home insurance products.
• OrionsecondaryChannel Partner/ Reseller/ DistributorOrion180 Insurance is a carrier partner offering various insurance products.
• SelectivesecondaryChannel Partner/ Reseller/ DistributorSelective Insurance provides commercial and personal insurance products through the agency.
• StillwatersecondaryChannel Partner/ Reseller/ DistributorStillwater Insurance provides home and other property insurance products.
• Penn MutualsecondaryChannel Partner/ Reseller/ DistributorPenn Mutual is a life insurance carrier partner offering term and permanent life insurance products.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• World Insurance Associates: National insurance brokerage roll-up distributing personal and commercial lines via independent agents. Demonstrates the consolidation path available to multi-state independent agencies like Churchill.
• Hub International: Large global insurance brokerage distributing personal and commercial lines across multiple carriers. Same independent agency economics but with enterprise scale and broader product mix.
• Brown & Brown: Large publicly traded independent insurance brokerage (NYSE: BRO) distributing personal and commercial lines through multiple carriers. Provides a scaled-up comparable for the same agency business model.

Direct peers

• SmartFinancial: Online personal-lines insurance agency (NYSE: SFE) comparing quotes across multiple carriers for home and auto. Directly comparable digital distribution model with shared customer demographic.
• SelectQuote: Direct-to-consumer insurance distribution platform (NYSE: SLQT) focused on life, auto, and home. Overlaps with Churchill's multi-line personal-lines focus through a digital/phone-led sales motion.
• Goosehead Insurance: Independent personal-lines insurance franchise (NASDAQ: GSHD) selling home, auto, and life through multiple carrier partners. Closest comparable to Churchill's independent, multi-carrier, multi-line model with a national footprint.
• Brightway Insurance: Franchise-based independent insurance agency selling home, auto, and other personal lines through multiple carriers. Operates a similar multi-carrier agency model with retail focus and bundled offerings.

Emerging players

• Lemonade: Direct-to-consumer insurtech (NYSE: LMND) selling home, renters, auto, and life insurance digitally. Competes for the same personal-lines customer with embedded financial services, threatening traditional agencies.
• Insurify: Digital insurance comparison and agency platform for personal lines (home, auto, life). Competes for the same end customer via an online-first funnel, pressuring traditional phone/email-driven agencies.
• Hippo Holdings: Insurtech focused on homeowners insurance with embedded smart-home and financial planning features. Direct competitor in the home insurance category that Churchill emphasizes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/thechurchillagencyofficial
• LinkedInlinkedin.com/company/thechurchillagency
• Instagraminstagram.com/thechurchillagencyofficial

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 The Churchill Agency