Joiner Insurance

What Joiner Insurance does

Joiner Insurance, Inc. is a privately held, family-owned independent insurance agency founded in 1954 in Waynesboro, Mississippi. The company operates as an insurance brokerage rather than a carrier, generating revenue from commissions paid by carrier partners for policies sold and renewed. It represents 13+ insurance carriers including GEICO, Progressive, Travelers, Liberty Mutual, EMC, Amerisafe, BITCO, Forestry Mutual, Stonetrust, and Arrowhead. The firm operates two physical offices (Waynesboro as headquarters and Laurel) and provides phone and online service across Mississippi and Alabama.

The agency's product portfolio spans three core areas. Personal lines cover auto, homeowners, motorcycle, and specialty personal coverage. Business lines include commercial property, general liability, workers' compensation, commercial auto, cyber liability, and builders risk. Group benefits encompass group dental, health, disability, life, long-term care, and vision coverage. The firm also operates four specialty commercial programs in industries requiring technical underwriting expertise: logging and forestry, oil field and energy, poultry farms, and crop insurance (Multiple Peril Crop Insurance).

Joiner Insurance distributes primarily through direct-to-consumer channels, combining in-person consultations at its two offices, phone service, online quote requests, and a customer referral program. The firm has no proprietary technology platform and relies on carrier-provided systems and standard industry tooling. The company is led by Ernest 'Ernie' W. Joiner (President and CEO since 1985), with third-generation family member Clarke Joiner serving as Vice President, alongside VP of Laurel Operations Bruce Gavin and CFO Denise.

Name

Joiner Insurance

Legal name

Joiner Insurance, Inc.

Website

https://joinerins.com

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

11–50 employees

Short description

Joiner Insurance is a family-owned independent insurance agency founded in 1954 in Waynesboro, Mississippi, representing 13+ carriers to deliver personal, commercial, group benefits, and specialty coverage (logging, oil field, poultry, crop) across Mississippi and Alabama.

Ownership category

akta.pro rank

Headquarters

HQ city

Waynesboro

HQ country

United States

HQ region

North America

Offices2 records

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 Commissions: Joiner Insurance operates as an independent insurance agency, generating revenue through commissions paid by insurance carrier partners for policies sold and retained. They work with multiple top carriers to offer customers the best coverage options.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Joiner Insurance is an independent insurance agency that represents multiple top-rated insurance carriers (GEICO, Progressive, Liberty Mutual, Travelers, Foremost, Forestry Mutual, and others) to provide personal, commercial, and group benefits insurance products to customers in Mississippi and Alabama. The agency places policies with carriers and earns commissions, with specialized expertise in logging/forestry, oil field/energy, poultry farm, and crop insurance segments. Operations are conducted from physical offices in Waynesboro and Laurel, Mississippi, supported by an informational website, online quote request forms, and phone-based service.

Product overview

Joiner Insurance is an independent insurance agency founded in 1954, offering a comprehensive portfolio of insurance products and services. The agency operates as a distribution platform connecting customers with multiple insurance carriers. Their core offerings include Personal Insurance (auto, homeowners, motorcycle, and specialty coverage), Business Insurance (commercial property, general liability, workers' compensation), Group Benefits (dental, health, disability, life, LTC, vision), and specialized industry programs for logging & forestry, oil field & energy, poultry farms, and crop insurance. The agency serves individuals, families, and businesses throughout Mississippi and Alabama.

Differentiator

Problem solved

Functional benefit

Products and services

• Logging & Forestry Insurance Specialized insurance program for loggers, chip haulers, sawmills, timber cruisers, and wood manufacturers across Mississippi and Alabama, covering general liability, commercial auto, workers' compensation, and equipment specific to forestry operations.
• Oil Field & Energy Insurance Coverage tailored for oil field and energy contractors and businesses in the Southeast US, including workers' compensation, pollution liability, and bid, fidelity, and contract bonds.
• Poultry Farms Insurance Specialized coverage for poultry farm operations including broiler houses, pullet houses, laying houses, water wells, irrigation systems, generators, farm structures, tractors, flock disease, and integrator disruption.
• Crop Insurance Multiple Peril Crop Insurance (MPCI) program for farmers including revenue protection, yield protection, whole farm revenue protection, and crop hail coverage protecting against drought, excessive moisture, freeze, disease, and price fluctuations.
• Personal Insurance Personal lines insurance bundle for individuals and families covering auto, homeowners, motorcycle, ATV, boat, condo, flood, earthquake, renters, and valuable items insurance across Mississippi and Alabama.
• Business Insurance Commercial insurance program for SMBs covering commercial property, general liability, workers' compensation, commercial auto, builders risk, cyber liability, and technology insurance.
• Group Benefits Employee benefits package for employers including group dental, health, disability, life, long-term care (LTC), and vision insurance, with tax-advantaged LTC positioning for small businesses.

Segments6 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered minor.

• BITCO Insurance CompaniesminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Joiner Insurance to provide coverage options to customers.
• Forestry Mutual Insurance CompanyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in forestry insurance, aligned with Joiner Insurance's focus on logging and forestry clients.
• GEICOminorChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner providing auto and other personal insurance products.
• VictorminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Joiner Insurance.
• Foremost AutominorChannel Partner/ Reseller/ DistributorInsurance carrier specializing in auto insurance products.
• The Travelers Indemnity CompanyminorChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing comprehensive coverage options.
• Stonetrust Commercial InsuranceminorChannel Partner/ Reseller/ DistributorCommercial insurance carrier partner serving business clients.
• Summit HoldingsminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Joiner Insurance.
• The Progressive CorporationminorChannel Partner/ Reseller/ DistributorMajor national auto and commercial insurance carrier.
• Liberty Mutual InsuranceminorChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing personal and business coverage.
• EMC Insurance CompaniesminorChannel Partner/ Reseller/ DistributorRegional insurance carrier partner.
• Arrowhead General Insurance AgencyminorChannel Partner/ Reseller/ DistributorGeneral insurance agency partner providing various coverage options.
• AmerisafeminorChannel Partner/ Reseller/ DistributorInsurance carrier partner serving specialty markets.

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Erie Insurance: Regional P&C mutual with a captive agency model focused on personal and small commercial lines; comparable in size and operating model to Joiner with an independent agency distribution structure.
• Auto-Owners Insurance: Regional mutual insurer distributing personal, commercial, and life products exclusively through independent agents; operates in similar Southeast footprint and shares the independent-agency economics.
• Shelter Insurance: Regional mutual insurer selling auto, home, and life through a captive agency force in the South and Midwest; comparable multi-line personal/commercial agency model though with broader geographic reach.
• SECURA Insurance: Regional mutual insurer distributing personal, commercial, farm, and specialty lines through independent agents in the Midwest and South; comparable in scale, multi-line breadth, and specialty coverage.
• COUNTRY Financial: Midwest/South regional insurer selling auto, home, life, and commercial lines through captive agents; comparable multi-line agency platform with strong rural/agricultural customer overlap.
• Mississippi Farm Bureau Insurance: Regional mutual insurer with a Mississippi-exclusive agency distribution force serving farmers and rural businesses; shares Joiner's crop insurance, poultry, and forestry customer base in the same geography.
• Alfa Insurance: Mutual insurance company headquartered in Alabama writing personal, commercial, and specialty lines through a captive and independent agency force across the Southeast, overlapping most directly with Joiner's MS/AL geography and multi-line agency model.

Broad incumbents

• Cincinnati Financial: Mid-cap regional P&C insurer with independent agency distribution across most of the US; larger than Joiner but operates the same multi-line independent agency model with comparable commercial lines focus.
• Woodmen Life: Fraternal life insurer with agency distribution across the Southeast; broader portfolio but comparable regional agent model and overlap in group benefits and life distribution.

Emerging players

• Burns & Wilcox: Specialty wholesale insurance broker placing complex and excess-and-surplus risks through retail agents; relevant comparable for Joiner's specialty forestry, oil field, and poultry placements when standard carriers decline.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Joinerins

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Joiner Insurance