CF&P Insurance Brokers

What CF&P Insurance Brokers does

CF&P Insurance Brokers is a third-generation, family-owned independent property and casualty insurance agency headquartered in Walnut Creek, California, tracing its origins to a 1937 partnership between George Crist and John Fritschi. The firm sells both commercial and personal lines — including Property & Liability, Commercial Auto, E&O/Cyber Liability, Management Liability, and Workers' Compensation on the commercial side, and Auto, Home, and Personal Umbrella on the personal side — by brokering placements across 30+ California-licensed carriers such as Travelers, Chubb, Hartford, Liberty Mutual, Berkshire Hathaway, Progressive, and Zenith. A 2013 affiliation with PIIB extends the firm's access to higher-quality insurers and broader markets.

The agency operates a single office at 1981 N Broadway, Ste. 255, Walnut Creek (relocated from Oakland in 2017 as part of a rebrand from Crist, Fritschi & Paterson), with a 16-person team split across four producers, ten client-services staff, and one operations member. Customer acquisition is direct-to-consumer via phone, email, online quote forms, in-person consultation, and a $25 Restaurant.com referral program; supporting channels include a 27+ page educational blog and active profiles on Facebook, X, LinkedIn, Instagram, and YouTube. Revenue is generated exclusively through carrier commissions on placed policies, with premiums quoted on a per-risk basis and no public pricing disclosure. The firm is privately held under continuous family ownership since founding, with no private equity, venture capital, or parent-company affiliations reported.

Name

CF&P Insurance Brokers

Legal name

CF&P Insurance Brokers

Website

https://cfpinsurance.com

Company type

Private

Founded year

1937

Operating status

Operating

Headcount range

11–50 employees

Short description

CF&P Insurance Brokers is a third-generation, family-owned independent P&C insurance agency in Walnut Creek, California, brokering commercial and personal coverage through 30+ carriers for SMBs and individuals since 1937.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Commercial insurance brokerage
• Personal lines insurance
• Property casualty insurance
• Workers compensation coverage
• Independent insurance agency

Headquarters

HQ city

Walnut Creek

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 Brokerage Commissions: As an independent insurance broker, CF&P Insurance Brokers earns commissions from insurance carriers for policies placed on behalf of clients. They work with multiple insurance companies to find the best fit for client needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

CF&P Insurance Brokers is a third-generation, family-owned independent insurance agency that places property and casualty insurance policies on behalf of clients through partnerships with 30+ California insurance carriers. The agency offers a portfolio of commercial lines (property & liability, commercial auto, E&O/cyber liability, management liability, workers' compensation) and personal lines (auto, home, personal umbrella), advising clients on coverage selection and risk management.

Product overview

CF&P Insurance Brokers is a third-generation, family-owned independent insurance agency offering a portfolio of personal and commercial insurance products through partnerships with multiple California insurance carriers. The personal lines include auto insurance, home insurance, and personal umbrella insurance, while commercial offerings encompass property & liability insurance, commercial auto insurance, E&O/cyber liability insurance, management liability insurance (including D&O, EPL, and fiduciary coverage), and workers' compensation insurance. As an independent agency established in 1937, CF&P accesses diverse insurance markets to provide customized coverage solutions for both individual and business clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto insurance providing financial protection for vehicles against accidents, physical damage, bodily injury liability, property damage liability, and medical expenses from car accidents. Offered to individual consumers and families in California through partnerships with multiple carriers.
• Home Insurance Homeowners insurance protecting against damage to the dwelling, personal property, and liability claims arising from injuries on the property, covering perils such as fire, theft, and natural disasters. Offered to individual homeowners in California.
• Personal Umbrella Insurance Personal umbrella insurance providing additional liability coverage beyond standard personal insurance policy limits, protecting assets against bodily injury, personal injury, property damage, landlord liability, slander, libel, and mental anguish claims.
• Property & Liability Insurance Commercial property and general liability insurance covering commercial property against perils including fire, smoke, hail, lightning, explosion, vandalism, riots, and theft, plus general liability protection against lawsuits for bodily injury or negligent acts. Designed for small to mid-sized California businesses.
• Commercial Auto Insurance Commercial auto insurance protecting businesses from financial impact of vehicle accidents, covering collision, comprehensive, property damage liability, bodily injury liability, and personal injury for company vehicles and employee drivers.
• E&O / Cyber Liability Insurance Combined errors & omissions and cyber liability insurance: E&O covers claims of professional error, and cyber liability covers data breaches and cyber risk exposures for businesses.
• Management Liability Insurance Management liability insurance covering directors and officers liability, employment practices liability (sexual harassment, wrongful termination, defamation, discrimination), and fiduciary liability for employee benefits. Protects company leadership from personal liability exposure.
• Workers Compensation Insurance Workers' compensation insurance providing coverage for on-the-job injuries or illnesses, accident-related medical costs, lost wages due to workplace accidents, rehabilitation expenses, and funeral costs in case of employee death, as required by California law.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

31 partnerships are on record, tiered core.

• PIIB (Professional Insurance Agents of California)coreStrategic or Co-development Partner · 1 January 2013Affiliation with PIIB enables access to highest quality insurers and broadens the number of available markets for clients. CF&P became affiliated with PIIB in 2013 as Crist, Fritschi & Paterson.
• Allianz Fireman's FundcoreOthersInsurance carrier partner providing commercial insurance products through CF&P Insurance Brokers.
• Allied NationwidecoreOthersInsurance carrier partner providing commercial and personal insurance products.
• AmTrustcoreOthersInsurance carrier partner with payment phone line 1-877-528-7878 and claims line 1-888-239-3909.
• ArrowheadcoreOthersInsurance carrier partner with payment phone line 1-877-233-9722 and claims line 1-866-519-1303.
• Berkshire HathawaycoreOthersInsurance carrier partner with payment phone line 1-800-673-2465.
• California Fair PlancoreOthersCalifornia insurance carrier partner with payment phone line 1-800-339-4099.
• Chubb ACEcoreOthersInsurance carrier partner with payment and claims services.
• CIGcoreOthersInsurance carrier partner with payment phone line 1-877-200-4220 and claims line 1-800-986-9974.
• CNAcoreOthersInsurance carrier partner with payment phone line 1-877-276-7507 and claims line 1-877-262-2727.
• EmployerscoreOthersInsurance carrier partner specializing in workers' compensation with claims line 1-888-682-6671.
• EncompasscoreOthersInsurance carrier partner with claims phone line 1-800-986-9974.
• First AmericancoreOthersInsurance carrier partner with payment phone line 1-888-474-7500 and claims line 1-888-922-5343.
• ForemostcoreOthersInsurance carrier partner with payment phone line 1-800-532-4221 and claims line 1-800-527-3907.
• GeoVeracoreOthersInsurance carrier partner with payment line through mygeosource.com.
• HagertycoreOthersInsurance carrier partner with payment phone line 1-800-573-1187.
• HanovercoreOthersInsurance carrier partner with payment phone line 1-800-628-0250 and claims line 1-800-573-1187.
• HartfordcoreOthersInsurance carrier partner with payment phone line 1-800-624-5578 and claims line 1-800-243-5860.
• ICATcoreOthersInsurance carrier partner with claims line 1-800-754-6919.
• ICW GroupcoreOthersInsurance carrier partner with payment phone line 1-800-877-1111 and claims line 1-866-430-2916.
• KempercoreOthersInsurance carrier partner with payment phone line 1-866-675-3345 and claims line 1-888-252-2799.
• Liberty MutualcoreOthersInsurance carrier partner with payment and claims services.
• MarkelcoreOthersInsurance carrier partner with payment phone line 1-800-225-8285 and claims line 1-866-219-7100.
• Nationwide PrivatecoreOthersInsurance carrier partner with payment phone line 1-855-473-6410.
• Philadelphia InsurancecoreOthersInsurance carrier partner with payment phone line 1-877-438-7459 and claims line 1-800-765-9749.
• ProgressivecoreOthersInsurance carrier partner with payment phone line 1-800-300-3693 and claims line 1-800-274-4499.
• SafecocoreOthersInsurance carrier partner with payment phone line 1-800-332-3226.
• State Compensation Insurance Fund (State Fund)coreOthersCalifornia workers' compensation carrier partner with payment phone line 1-888-782-8338.
• TravelerscoreOthersInsurance carrier partner with payment phone line 1-800-550-7716 and claims line 1-800-252-4633.
• USLIcoreOthersInsurance carrier partner with payment phone line 1-866-632-2003.
• ZenithcoreOthersWorkers' compensation insurance carrier partner with payment phone line 1-800-440-5020.

Scale indicators2 records

Recent moves7 records

Expansion highlights3 records

Direct peers

• Heffernan Insurance Brokers: Independent commercial insurance brokerage headquartered in Walnut Creek / San Mateo, California, serving SMB and mid-market clients with property/casualty, workers' comp, and specialty lines including cyber and management liability — directly overlapping with CF&P's geography, customer base, and product mix.
• RPS (Risk Placement Services): Specialty insurance brokerage and managing general agent placing personal, commercial, and specialty lines including commercial auto, cyber/E&O, and management liability. Operates a multi-carrier wholesale model directly comparable to CF&P's carrier-breadth strategy.
• Brown & Riding: Specialty insurance brokerage placing complex commercial risks including property, casualty, professional, and management lines for retail agents and clients. Comparable to CF&P's specialty commercial book, especially E&O/Cyber and Management Liability.
• Burns & Wilcox: Specialty insurance wholesaler placing complex personal and commercial lines including commercial property, professional liability, and management liability through retail agents. Comparable in specialty commercial orientation to CF&P's harder-to-place book.
• Woodruff Sawyer: Mid-size independent commercial insurance brokerage focused on business insurance, management liability, and cyber/E&O for SMBs and mid-market clients. Comparable to CF&P in product focus (commercial lines, specialty risks) and customer segment.

Broad incumbents

• Amwins: Large specialty insurance wholesaler and brokerage placing complex P&C, professional lines, and management liability through retail agents. Compares on the specialty/complex commercial side of CF&P's book and is another typical consolidator peer.
• Acrisure: Global insurance brokerage and fintech platform built on aggressive acquisition of independent agencies and specialty brokers. Comparable to CF&P in operating model and a logical strategic acquirer for the agency.
• HUB International: Large North American insurance brokerage built largely through acquisitions of independent agencies. Operates as a broad incumbent with overlapping commercial P&C, personal lines, and specialty products, and is a typical acquirer of agencies like CF&P.

Regional players

• Keenan & Associates: California-headquartered insurance brokerage and consulting firm specializing in workers' compensation, employee benefits, and property/casualty for public-entity and education clients. Direct regional overlap with CF&P's California workers' comp practice.

Emerging players

• Insuritas: Embedded-insurance platform that builds and operates insurance agencies for financial institutions; represents an emerging model that competes for the same SMB/client base CF&P serves through traditional channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cfp_brokers
• YouTubeyoutube.com/channel/UCot1UYAos92PaSGo4YCuW1w
• Facebookfacebook.com/cfpinsurance
• LinkedInlinkedin.com/company/cf&p-insurance-brokers
• Instagraminstagram.com/cfp_insurance_brokers

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 CF&P Insurance Brokers