Centerville Insurance Agency

What Centerville Insurance Agency does

Centerville Insurance Agency is an independent insurance agency operating as a Doing Business As (DBA) of McCord Insurance Agency, Inc., headquartered at 55 W Franklin St, Centerville, Ohio. The firm sells personal lines (homeowners, renters, auto, motorcycles, ATVs, snowmobiles, campers/trailers, collector cars, life insurance including term, return-of-premium, universal, whole life, and annuities) and commercial lines (office/retail, professional E&O, construction liability/property/builders risk/bonds, and institutional coverage for schools, medical facilities, and large corporations). It serves individual consumers, small businesses, and institutional buyers in the Centerville and Dayton, Ohio market. The agency distributes coverage through a multi-carrier model, representing Cincinnati Insurance Companies, Auto Owners, Grange, Foremost, Safeco, Progressive, Liberty Mutual, and Western Reserve, which allows it to quote across personal, commercial, and life lines from a single agency relationship.

The business model is commission-based: revenue is earned on new policy placements, renewals, and policy modifications with each partner carrier, producing a recurring annual revenue stream underwritten by quote-based pricing tailored to individual risk profiles. GTM is sales-led and relationship-driven, with customer acquisition through a physical Centerville office, phone lines, a website contact form (with separate new-customer and current-customer paths), and basic organic social presence on Facebook and LinkedIn. There is no proprietary technology platform; the website is built on Wix and the agency relies on carrier-provided claims and policy management infrastructure.

Leadership transitioned in 2024 when Joe Patrick, a second-generation agent with prior underwriting experience at Cincinnati Insurance Company and prior agency ownership at McCord, Wilson & Shanesy, Bauer, and Insurance Circle, took over as Owner & President. Paul Stucker joined as an Agent in Summer 2024, and Jim Beyerle (30-year veteran) and Beth Lutz round out the four-person visible team. The agency has 30+ years of continuous operation, prior recognition from the Independent Insurance Agents of Ohio, and no disclosed funding, M&A, or external investors.

Name

Centerville Insurance Agency

Legal name

McCord Insurance Agency, Inc.

Website

https://centervilleinsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Centerville Insurance Agency is an independent Ohio insurance agency (DBA of McCord Insurance Agency, Inc.) selling personal, commercial, and life insurance across eight carrier partners to consumers, small businesses, and institutions in the Centerville-Dayton market.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Personal lines insurance
• Commercial lines insurance
• Independent insurance agency
• Life insurance products
• Multi-carrier insurance brokerage

Headquarters

HQ city

Dayton

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, Others

Revenue model

1. Insurance Commissions: Agency earns commissions from insurance carrier partnerships for policy placements across personal and commercial lines. Revenue is generated through commissions on new policy sales, renewals, and policy modifications across multiple insurance carriers they represent.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Centerville Insurance Agency is an independent insurance agency (DBA of McCord Insurance Agency, Inc.) that sells personal lines insurance (homeowners/renters, auto and recreational vehicles, life insurance and annuities) and commercial lines insurance (office/retail, professional E&O, construction liability/property/builders risk/bonds, institutional such as schools, medical, and corporations) sourced through multiple top-rated partner carriers. The agency provides personalized quoting, policy management, visual home inspections, and claims assistance to individuals and businesses in the Centerville/Dayton, Ohio market.

Product overview

Centerville Insurance Agency offers a comprehensive portfolio of insurance products organized into Personal Lines and Commercial Lines categories. Personal Lines include Homeowners/Renters Insurance and Auto Insurance, while Life Insurance products span Term Life, Return of Premium, Universal Life, Whole Life, and Annuity products. Commercial Lines cover Office/Retail, Professional (E&O), Construction (liability, property, builders risk, bonds), and Institutional (schools, medical, corporate) exposures. The agency serves as an independent insurance agency working with multiple partner carriers to provide tailored coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners/Renters Insurance Homeowners coverage including visual inspections, tailored insurance products, and policy choices from leading carriers for individual homeowners and renters. Includes additional coverage for valuable articles, flood policies, umbrella liability, and earthquake coverage.
• Auto Insurance Auto insurance coverage with comprehensive review of current coverages, savings suggestions, multi-vehicle discount options, and organized identification cards. Also covers motorcycles, ATVs, snowmobiles, campers/trailers, and collector cars for individual vehicle owners.
• Life Insurance Life insurance and annuity-based financial protection products including Term Life (10/20/30 year), Return of Premium, Universal Life, Whole Life, and Annuity products for individuals and families.
• Office/Retail Insurance Commercial insurance for office and retail exposures, covering real estate, law, and other business types, including access to certificates of insurance and specialized carriers for demanding commercial risks.
• Professional Insurance (E&O) Professional liability insurance addressing errors and omissions (E&O) risks in business, with coverage tailored to the needs of office-based professionals.
• Construction Insurance Construction insurance covering liability, property, builders risk, and bonds for construction businesses.
• Institutional Insurance Commercial insurance for schools, medical facilities, and large corporations, providing access to specialized carriers for institutional-grade risks.

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

Eight partnerships are on record, tiered core and standard.

• Cincinnati Insurance CompaniescoreChannel Partner/ Reseller/ DistributorPrimary partner carrier providing commercial and personal insurance products. Listed as primary 24-hour claims contact for customers. Agency emphasizes their strong relationships with carriers that specialize in complex commercial and institutional risks.
• Auto Owners InsurancecoreChannel Partner/ Reseller/ DistributorPartner carrier offering 24-hour claims submission line (1-888-252-4626). Provides auto and property insurance products through the agency.
• Grange InsurancecoreChannel Partner/ Reseller/ DistributorPartner carrier with 24-hour claims line (1-800-445-3030). Provides personal and commercial insurance products.
• Foremost Insurance CompanystandardChannel Partner/ Reseller/ DistributorPartner carrier for specialized insurance products including mobile home and specialty coverage. Claims line: 800-527-3907.
• Safeco InsurancestandardChannel Partner/ Reseller/ DistributorPartner carrier (Liberty Mutual subsidiary) providing personal insurance products. Claims line: 1-800-332-3226.
• Progressive InsurancestandardChannel Partner/ Reseller/ DistributorPartner carrier for auto insurance products. Claims line: 1-800-274-4499.
• Liberty Mutual InsurancestandardChannel Partner/ Reseller/ DistributorPartner carrier for personal and commercial insurance products. Claims line: 1-800-362-0000.
• Western ReservestandardChannel Partner/ Reseller/ DistributorPartner carrier providing insurance products. Claims line: 1-800-362-0426.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Acrisure: Large, fast-growing brokerage platform built largely by acquiring independent agencies and regional brokerages. Operates the same multi-carrier, multi-line agency model as Centerville but at national scale, and represents a typical strategic exit path for agencies of Centerville's profile.
• Hilb Group: National insurance brokerage and risk management firm that actively acquires and partners with independent agencies like Centerville. Highly comparable operating model (multi-carrier, multi-line agency) but at vastly greater scale, and a likely acquirer/roll-up partner.
• USI Insurance Services: Large national brokerage distributing personal and commercial lines across many carrier partners. Comparable to Centerville in the core agency/brokerage function but operating with far greater scale, specialty practices, and carrier leverage.
• Brown & Brown Insurance: Public, diversified insurance brokerage that acquires and operates independent agencies across the U.S. Same multi-carrier, multi-line distribution model as Centerville; useful for understanding acquisition multiples and the consolidator landscape.
• NFP, an Aon company: National insurance brokerage and advisory firm with a strong personal-lines and small-commercial practice built largely through agency acquisitions. Comparable multi-carrier distribution model to Centerville and a representative consolidator buyer in the channel.

Emerging players

• Root Insurance: Columbus, Ohio-based insurtech offering direct-to-consumer auto insurance via a mobile app. Not a direct competitor to Centerville's full-service model, but illustrates the Ohio insurtech pressure on Centerville's personal-auto commission stream.

Direct peers

• TrueNorth Companies: Midwest-focused insurance brokerage and risk management firm offering personal, commercial, and life solutions across multiple carriers. Closely comparable to Centerville in multi-line, multi-carrier agency model and in regional Midwest market orientation.
• The Buckner Company: Independent insurance agency offering personal, commercial, and life lines through multiple carrier partners. Closely comparable to Centerville in size, structure, multi-carrier model, and community-anchored operating approach.

Others

• Cincinnati Financial / Cincinnati Insurance: Ohio-headquartered P&C carrier and Centerville's primary commercial-line partner. A carrier rather than a peer agency, but materially comparable because Centerville leans on Cincinnati's appetite for institutional and construction risks to win commercial accounts.
• Grange Mutual Insurance: Ohio-based P&C carrier and one of Centerville's carrier partners. While Grange is a carrier rather than a peer agency, it is directly comparable because Centerville distributes its products and depends on continued partnership economics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/mccordinsurance
• LinkedInlinkedin.com/company/centerville-insurance-agency-llc

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 Centerville Insurance Agency