Couri Insurance Associates
Couri Insurance Associates is a privately held independent insurance associate agency group founded in 1972, recruiting and supporting captive and independent agents across 11 Midwest states with access to 50+ carrier partnerships, higher commissions, and back-office services.
- Company typePrivate
- Founded1972
- HeadquartersWaukesha, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Couri Insurance Associates does
Couri Insurance Associates is a privately held independent insurance associate agency group founded in 1972 by Jerry and Judie Couri and headquartered at 379 West Main Street, Waukesha, Wisconsin. Rather than selling policies directly to consumers, the firm recruits and supports a network of captive and independent insurance agents across 11 Midwest states stretching from Nevada to Michigan, supplying them with access to more than 50 carrier partnerships, higher commission rates negotiated through collective volume, and back-office services including market analysis, training, weekly/monthly agent calls, and regional and national networking meetings. The company is self-described as the oldest and most successful associate agency group in the Midwest, and has accumulated dozens of carrier awards across multiple decades.
The product surface available to end customers via Couri's agents spans personal lines (auto, homeowners, renters, condo, flood, landlord, motorcycle, boat, ATV, motorhome) and life and employee benefits (term and whole life, health, dental, supplemental health, identity theft), as well as a broad commercial portfolio including general liability, commercial property, business interruption, workers' compensation, commercial auto, professional liability (E&O), cyber liability, product liability, EPLI, D&O, umbrella, inland marine, BOP, and builder's risk. Revenue is generated primarily through carrier-paid override commissions on premium volume placed by affiliated agents, with commission rates negotiated at the network level rather than per individual agent.
Couri does not operate a proprietary technology platform; the firm relies on third-party industry software — specifically Vertafore AMS360 for agency management and PL Rating for policy rating — alongside standard web and CRM tooling. Internal headcount is approximately 16-20 staff including management, regional sales managers, commercial and personal lines placers, service agents, and operations personnel; affiliated agents are recruited and supported but are not direct employees. The leadership team is anchored by founder Jerry Couri as President, Steve Albinger (CIC, CISR, COO, Owner), and Vice President Caryn Papenthien, with no disclosed institutional or private equity ownership.
Couri Insurance Associates firmographics
Firmographics- Name
- Couri Insurance Associates
- Legal name
- Couri Insurance Associates, Inc.
- Website
- https://couriagents.com
- Company type
- Private
- Founded year
- 1972
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Couri Insurance Associates is a privately held independent insurance associate agency group founded in 1972, recruiting and supporting captive and independent agents across 11 Midwest states with access to 50+ carrier partnerships, higher commissions, and back-office services.
- Ownership category
- akta.pro rank
Where Couri Insurance Associates is headquartered
LocationHeadquarters
- HQ city
- Waukesha
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Couri Insurance Associates business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Insurance Commissions: Couri Insurance Associates generates revenue through commissions paid by insurance carriers for business placed through their agency network. As an independent associate agency, they negotiate higher commissions on behalf of their agent network due to their collective size and carrier relationships. Agents earn commissions and Couri receives a share or override commission from carriers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Commission-based pricing varies by carrier and product line |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Couri Insurance Associates product offering
Product offeringCore offering
Couri Insurance Associates operates as an independent insurance associate agency group that recruits and supports captive and independent insurance agents across the Midwest. Affiliated agents gain access to 50+ insurance carrier partners, higher commissions negotiated through collective volume, back-office support, market analysis, training, and networking. Agents in the network write personal lines (auto, home, life, employee benefits) and commercial lines insurance for end consumers and businesses.
Product overview
Couri Insurance Associates operates as an independent insurance agency offering personal and commercial insurance products. The portfolio consists of personal auto/homeowners insurance (covering homes, rentals, condos, flood, landlord property, autos, motorcycles, boats, snowmobiles, ATVs, motorhomes) and life/employee benefits (term/whole life, health, dental, supplemental health, identity theft). For commercial clients, they provide General Liability, Commercial Property, Business Interruption, Workers' Compensation, Commercial Auto, Professional Liability (E&O), Cyber Liability, Product Liability, EPLI, D&O, Umbrella, Inland Marine, BOP, and Builder's Risk insurance across diverse industries. The agency represents over 50 insurance carriers and provides back-office support, market analysis, training, and networking assistance to affiliated agents.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Auto and Homeowners Insurance
Quantifiable outcome
- Agents gain access to 50+ quality carriers including well-known industry names
- +2 more outcomes
Companies that use Couri Insurance Associates
Customer profileNamed customers23 records
Segments3 records
Ideal customer profiles3 records
Couri Insurance Associates technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Couri Insurance Associates partnerships and signals
Strategic signalPartnerships
57 partnerships are on record, tiered core and minor.
- AAA InsurancecoreMajor national insurance carrier partner providing personal auto, home, and other insurance products through the Couri agent network. Couri is recognized as the Largest AAA Agency in the Midwest region.
- Acuity InsurancecoreRegional insurance carrier where Couri holds Largest Independent Owned Agency status (2001-2025) and previously Largest Agency (1995-2001).
- AllstatecoreMajor national insurance carrier partner in the Couri network offering personal and commercial insurance products.
- NationwidecoreMajor national carrier where Couri served on Regional Advisory Board (2010-2022) and Past National Advisory Board, indicating strong strategic partnership.
- Badger MutualcoreRegional mutual insurance carrier. Couri holds Largest Agency designation (2020-2025) and Second Largest Agency (2005-2019). Steve Albinger serves on Badger Mutual Board.
- ProgressivecoreMajor national carrier. Couri holds Platinum Preferred Agency status, Top 20 Country Wide, and was Number One Platinum Agency in 2024.
- Liberty MutualcoreMajor national insurance carrier. Couri recognized as Top 5 in Region among Liberty Mutual agencies.
- ForemostcoreSpecialty insurance carrier. Couri received Top 100 Carrier Award (2012-2025), indicating strong performance.
- IntegritycoreRegional carrier. Couri holds Largest Agency designation (2003-2025) and Leadership Circle Agency status (2003-2025).
- State AutocoreRegional carrier. Couri achieved President's Elite Agency of the Year (2004-2017), Top 10 Agency Nationwide, Inner Circle since 2003, and Millionaire Club since 2003.
- West BendcoreRegional carrier. Couri holds Partners in Excellence status since 1989, 5th Largest Agency, and Largest Personal Lines Agency.
- SecuracoreRegional carrier. Couri was Largest Agency in Total Volume (2005-2017), Largest New Business Agency (2004-2017), Premier Agency, and Member of Secura Agency Council.
- SafecocoreNational carrier. Couri recognized as Top 20 Agency Country Wide and Fourth largest in Midwest Region.
- Germantown MutualcoreRegional mutual insurance carrier. Couri holds Second Largest Agency status (2003-2025).
- Rockford MutualcoreRegional carrier. Couri serves on Agency Advisory Council and holds Number One Agency status.
- AEGISminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- American ModernminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Auto OwnersminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- BranchminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Burns & WilcoxminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Cap SpecialtyminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- ChubbminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- CNAminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- DairylandminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- DonegalminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- EmployersminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- EncompassminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Erickson LarsonminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- FoundersminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- GrangeminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- HagertyminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- HanoverminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- The HartfordminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- HoneycombminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Jewelers MutualminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- JM WilsonminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Mercury InsuranceminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Main Street AmericaminorInsurance carrier partner. Steve Albinger served on Past National Advisory Board.
- Mt. Morris MutualminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- National GeneralminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Northstar MutualminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Ohio MutualminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- OpenlyminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Philadelphia InsuranceminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- PIE InsuranceminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- RoamlyminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Risk Placement ServicesminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- SelectiveminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Society InsuranceminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Steadily InsuranceminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Stillwater InsuranceminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- TravelersminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- UFG InsuranceminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- United MutualminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- USLIminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Vacant ExpressminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
- Wisconsin MutualminorInsurance carrier partner listed among the 50+ carriers in the Couri network.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Couri Insurance Associates competitors and assessment
Company assessmentDirect peers
- Renaissance Alliance: Regional insurance agency alliance providing carriers, commissions, training, and back-office support to member agents in the Northeast. Operates a near-identical network model to Couri but in a different region.
- Keystone Insurers Group: Independent insurance agency alliance aggregating member agencies across multiple states for carrier leverage, commissions, and shared services. Direct functional peer to Couri serving the same agent-customer segment.
- SIAA (Strategic Insurance Agency Alliance): SIAA is the largest national associate agency group, aggregating independent agents and providing access to multiple carriers with collective negotiating power. Closest structural analogue to Couri's Midwest-focused associate agency model.
- Smart Choice Partners: National associate agency network providing independent agents access to multiple carriers, higher commissions, and back-office support. Operates a near-identical model to Couri but with national scope.
Broad incumbents
- Auto-Owners Insurance: Midwest-based mutual carrier that distributes through independent agents and is a Couri network carrier partner. Relevant as an incumbent carrier counterparty shaping agent economics, not as a direct competitor.
- American Family Insurance: Major regional insurance carrier with captive and distributed agency models in the Midwest. Comparable as a competitor for agent talent and as a Couri-adjacent customer channel, though operates a fundamentally different carrier-side business.
- Integrity Marketing Group: Largest U.S. insurance distributor (and Couri carrier partner) — owns and acquires independent marketing organizations and agencies. Comparable because it sits at a broader scale above Couri and competes for the same aggregation economics, but operates nationally via roll-ups.
Emerging players
- Highstreet Insurance Partners: Fast-growing insurance brokerage roll-up aggregating independent agencies across the U.S. Shares the agent-aggregation thesis with Couri but competes through acquisition rather than association, and offers proprietary technology and capital backing.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Couri Insurance Associates social profiles
Digital presenceCouri Insurance Associates financial estimates
Financial estimateRevenue estimate
Valuation estimate
Couri Insurance Associates leadership team
Management profileNumber of profiles
Profiles6 records
Couri Insurance Associates funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Couri Insurance Associates M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Couri Insurance Associates
What does Couri Insurance Associates do?
Couri Insurance Associates operates as an independent insurance associate agency group that recruits and supports captive and independent insurance agents across the Midwest. Affiliated agents gain access to 50+ insurance carrier partners, higher commissions negotiated through collective volume, back-office support, market analysis, training, and networking. Agents in the network write personal lines (auto, home, life, employee benefits) and commercial lines insurance for end consumers and businesses.
Is Couri Insurance Associates a public or private company?
Couri Insurance Associates is a private company. It is classified as family owned and is currently operating.
When was Couri Insurance Associates founded?
Couri Insurance Associates was founded in 1972. It employs 11 to 50 people.
Where is Couri Insurance Associates based?
Couri Insurance Associates is headquartered in Waukesha, United States, in the North America region.
How does Couri Insurance Associates make money?
One revenue line is on record: insurance Commissions.
Who are Couri Insurance Associates's main competitors?
Direct peers on record are Renaissance Alliance, Keystone Insurers Group, SIAA (Strategic Insurance Agency Alliance) and Smart Choice Partners. Broad incumbents are Auto-Owners Insurance, American Family Insurance and Integrity Marketing Group. Highstreet Insurance Partners is listed as an emerging player.
Does Couri Insurance Associates have an API?
No public API is recorded for Couri Insurance Associates.