Epperly Insurance Agency

Name

Epperly Insurance Agency

Legal name

Epperly Insurance Agency LLC

Website

https://epperlyinsuranceagency.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Personal Lines Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Independent insurance agency
• Auto insurance coverage
• Homeowners insurance brokerage
• Flood insurance NFIP
• Personal lines insurance

Headquarters

HQ city

Youngsville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Epperly Insurance Agency operates as an independent insurance agency, earning commissions from insurance carriers (Geico, Kemper, National General, Progressive, SageSure) for policies sold to customers. Revenue is generated through policy premiums placed with partner carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Epperly Insurance Agency is an independent insurance brokerage that sells personal and commercial property-and-casualty insurance policies on behalf of multiple carrier partners. Its core product lines include auto, homeowners, flood (NFIP), renters, recreational vehicle, and watercraft/boat insurance, with policies placed through Geico, Kemper, National General, Progressive, and SageSure. The agency earns commissions on each policy sold and serves individual consumers and small commercial clients primarily in the Youngsville/Lafayette, Louisiana area.

Product overview

Epperly Insurance Agency offers a portfolio of personal and commercial insurance products centered around property and casualty coverage. The core offerings include Auto Insurance, Homeowners Insurance, Flood Insurance, Renters Insurance, Recreational Vehicle Insurance, and Watercraft & Boat Insurance. These products are distributed through partnerships with multiple carrier partners (Geico, Kemper, National General, Progressive, SageSure), allowing the agency to shop for the best policy to suit individual customer needs. The agency operates as a traditional insurance agency model rather than a unified software platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance policy providing protection against property damage, liability, and medical costs following accidents, including collision, liability, medical payments, uninsured/underinsured motorist, and comprehensive coverages. Sold through carrier partners Geico, Kemper, National General, Progressive, and SageSure.
• Homeowners Insurance Package policy covering damage to property after covered losses and liability for injuries and property damage caused by the policyholder or family members. Targeted at homeowners in the Lafayette/Youngsville, Louisiana market.
• Flood Insurance Insurance coverage through the National Flood Insurance Program (NFIP) administered by FEMA, protecting against flood damage including structure insurance and contents coverage, with options for debris removal and loss avoidance. Particularly relevant for Louisiana flood-prone areas.
• Renters Insurance Insurance providing property protection and liability coverage for renters, covering possessions against damage from fire, smoke, lightning, vandalism, theft, and water damage, with liability protection for third-party bodily injury or property damage claims.
• Recreational Vehicle Insurance Umbrella term for policies insuring recreational vehicles including boats, motorcycles, RVs, ATVs, and travel trailers, each providing unique coverage for liability and property damages.
• Watercraft & Boat Insurance Boat insurance policy covering property damage and medical expenses, including liability coverage, medical payments, property coverage for theft/vandalism, and uninsured watercraft coverage.

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• GeicocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Epperly Insurance Agency sells Geico insurance policies and earns commission on policies placed.
• KempercoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal and commercial insurance products through the agency.
• National GeneralcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing various insurance products sold through the agency.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner offering auto and other insurance products through the agency.
• SageSurecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in various insurance products sold through the agency.
• National Flood Insurance Program (NFIP)coreChannel Partner/ Reseller/ DistributorFederal flood insurance program administered through FEMA. The agency helps customers purchase NFIP flood insurance plans which include structure and contents coverage.

Scale indicators1 record

Recent moves5 records

Expansion highlights2 records

Broad incumbents

• Brown & Brown: National insurance brokerage with retail, commercial, and specialty practices. Comparable independent-broker DNA to Epperly but diversified across many states, lines, and customer segments.
• Allstate: National personal-lines carrier with both exclusive agents and direct channels. Operates a competing agency-distribution model in Epperly's market, with broader product breadth and brand awareness.
• Hub International: Large North American insurance brokerage placing personal and commercial coverage through carrier partners. Same independent-brokerage business model as Epperly, with regional office footprints analogous to a scaled-up version of the Youngsville agency.
• Progressive: One of Epperly's five carrier partners, but also a direct competitor when customers bypass agents. Its growing direct-to-consumer channel and aggregator presence directly threaten agent commission economics.
• World Insurance Associates: Large US insurance brokerage placing personal, commercial, and specialty coverage across a multi-carrier panel. Operates an analogous independent-brokerage model but at significantly greater scale and geographic breadth.
• State Farm: Largest US personal-lines carrier with an exclusive captive-agent distribution model. Competes head-to-head with Epperly for auto and homeowners in the Lafayette/Youngsville market, but with owned underwriting and massive scale.

Direct peers

• Goosehead Insurance: Independent insurance agency franchise that places personal-lines coverage through a multi-carrier panel — the same fundamental business model Epperly operates, scaled nationally through franchisees rather than corporate offices.
• Brightway Insurance: Independent insurance franchise agency that distributes home, auto, and flood coverage through multiple carrier partners. Directly comparable independent-agency model focused on personal lines, with a similar commission-based revenue structure.
• Higginbotham Insurance: Independent insurance brokerage founded in Texas that places personal and commercial coverage through multiple carriers. Comparable independent-broker model with regional concentration, though at substantially greater scale.

Regional players

• Shelter Insurance: Regional mutual insurance carrier with an exclusive agent force across the central US, including Louisiana. Directly comparable personal-lines distribution model in the same geography, though it owns the underwriting rather than brokering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Epperly Insurance Agency