Fleming & Riles Insurance

What Fleming & Riles Insurance does

Fleming & Riles Insurance is an independent insurance agency headquartered at 636 Pointe North Boulevard in Albany, Georgia, continuously operating since 1898 under its current name since 1979 (originally Gortatowsky Insurance Agency). The firm serves individuals, families, small businesses, and select commercial accounts across southwest Georgia and the broader Southeast, with a stated specialty reach nationally through its Ice Vending Machine Insurance product. The agency represents 23 or more insurance carriers, including Auto-Owners, Cincinnati, Donegal Mutual, Foremost, Hanover, Main Street America, Nationwide, Progressive, and Travelers, allowing it to shop coverage across multiple markets rather than acting as a captive agent for a single carrier.

The product portfolio spans personal lines (home, auto, life) and commercial lines (general liability, business auto, workers compensation, builders risk, business owners policy, directors & officers, employee practices liability, nonprofit, property, professional liability), plus specialty coverage for farm and agribusiness operations and ice vending machines. Distribution is conducted directly via phone, website quote requests, and in-person consultations at the Albany headquarters. Revenue is generated through carrier commissions on policy placements and renewals, with no subscription or fee-based disclosure beyond the published Ice Vending Machine premiums.

Operationally, the firm is a member-owned board participant of Securerisk, a cooperative of independent agencies across Georgia, Alabama, Tennessee, and Mississippi that collectively handles over $1 billion in combined premiums, providing scale leverage on carrier access. It also holds the Trusted Choice independent agency designation. The technology stack is the standard Agency Revolution / FMG Suite content platform rather than any proprietary system; no AI, API, or mobile app capabilities are disclosed. Headcount is reported in the 11-50 range, with stated combined team experience exceeding 200 years.

Name

Fleming & Riles Insurance

Legal name

Fleming & Riles Insurance

Website

https://flemingins.com

Company type

Private

Founded year

1898

Operating status

Operating

Headcount range

11–50 employees

Short description

Fleming & Riles Insurance is an independent insurance agency in Albany, Georgia, founded in 1898, serving individuals, small businesses, and commercial accounts across southwest Georgia with personal, commercial, farm, and specialty insurance placed across 23+ carrier partners.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency / Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Directors & Officers (D&O) Liability (FSAJADAF)

Keywords

• Independent insurance agency
• Commercial insurance
• Personal insurance lines
• Farm and agribusiness insurance
• Insurance brokerage services

Headquarters

HQ city

Albany

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, Others

Revenue model

1. Insurance Agency Commissions: Revenue generated through commissions from insurance carriers for policy placements. As an independent agency, they earn commissions from multiple insurance companies they represent when policies are sold and renewed.

Pricing tiers

Distribution channels1 record

Marketing channels4 records

Core offering

Fleming & Riles Insurance is an independent insurance agency that represents more than 23 insurance carriers and places coverage across personal lines (home, auto, life), commercial insurance, farm and agribusiness, and specialty products such as ice vending machine insurance. Founded in 1898 as Gortatowsky Insurance Agency and renamed in 1979, the firm sells and services policies on behalf of multiple carriers rather than underwriting its own products.

Product overview

Fleming & Riles Insurance is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency provides personal insurance lines (home, auto, life) and commercial insurance products including general liability, business auto, workers compensation, builders risk, business owners policies, directors & officers, employee practices liability, property, and professional liability. Specialty products include farm & agribusiness insurance and ice vending machine insurance. As an independent agency, they represent multiple insurance carriers including Auto-Owners, Central Insurance, Cincinnati Insurance, Donegal Mutual, Foremost, Grange, Hanover, Main Street America, Nationwide, Progressive, and Travelers, allowing them to offer customized coverage options across all product lines.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance
• Auto Insurance
• Life Insurance
• Business Insurance
• Farm & Agribusiness Insurance
• Ice Vending Machine Insurance

Named customers5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and flagship.

• SecureriskcoreStrategic or Co-development PartnerFleming & Riles Insurance is an owner and board member of Securerisk, a cooperative venture owned by independent insurance agencies in Georgia, Alabama, Tennessee, and Mississippi. Securerisk member agencies handle well over a billion dollars in combined insurance premiums, forming one of the largest insurance brokerage groups in the southeast U.S. This partnership provides Fleming & Riles with direct access to premier insurance companies operating in Georgia.
• Trusted ChoiceflagshipGTM or Marketing PartnerTrusted Choice independent agencies are a collection of independent insurance firms whose access to multiple companies and commitment to quality service enable them to offer clients competitive pricing, broad choice of products, and valuable advocacy. Fleming & Riles is dedicated to treating clients as persons, not policies, through Choice, Customization, and Advocacy.
• Insurance Carriers (23+ companies represented)coreChannel Partner/ Reseller/ DistributorFleming & Riles represents multiple insurance carriers including: Auto-Owners Insurance Group, Central Insurance Companies, The Cincinnati Insurance Companies, Donegal Mutual, Foremost Insurance Group, Grange Insurance Association, Hanover Insurance Company, Main Street America, Nationwide, Progressive, Travelers, and 12+ additional carriers. The agency acts as a retail distributor/reseller for these insurance companies' products.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Acrisure: Tech-enabled insurance brokerage built through aggressive agency roll-ups. Targets the same independent-agency customer base with technology-augmented distribution, representing both a potential acquirer of and competitive threat to legacy agencies like Fleming & Riles.

Broad incumbents

• USI Insurance Services: National insurance brokerage and consulting firm offering property/casualty, employee benefits, and personal lines through agency and advisory channels. Comparable broker-of-record placement model but at substantially larger scale.
• Hub International: Large North American insurance brokerage providing retail brokerage and risk advisory across personal and commercial lines. Operates a similar multi-carrier retail model but at much greater scale and geographic breadth.
• Brown & Brown Insurance: Large publicly traded insurance brokerage operating across the U.S. with retail and specialty distribution. Overlaps in product breadth and multi-carrier retail placement but operates at national scale with acquired agency roll-ups.

Direct peers

• Higginbotham: Texas-headquartered independent insurance agency placing multi-line personal and commercial coverage across multiple carriers. Closely comparable business model to Fleming & Riles: multi-carrier retail brokerage, regional concentration, broad product suite including commercial lines.
• The IMA Financial Group: Mid-sized independent insurance agency operating across the Midwest and South with multi-line personal, commercial, and specialty products. Directly comparable independent-agency GTM and carrier-panel approach.
• Frost Insurance Agency: Independent insurance agency affiliated with Frost Bank, placing personal, commercial, and specialty coverage through multiple carriers. Comparable independent-agency model with similar geographic concentration and multi-line breadth.
• Cross Insurance: Regional independent insurance brokerage serving the Northeast with personal, commercial, and employee benefits products. Similar regional multi-line independent-agency business model.

Others

• Trusted Choice: Network brand and marketing organization for independent insurance agencies. Fleming & Riles is itself a Trusted Choice agency, making the network a relevant ecosystem/peer through shared brand and consumer-referral infrastructure.
• Risk Placement Services (RPS): Specialty wholesale insurance brokerage placing E&S and surplus lines. Adjacent role in the independent-agency ecosystem — Fleming & Riles' smaller commercial accounts could rely on wholesalers like RPS for hard-to-place risks, making them an ecosystem partner rather than direct competitor.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/flemingandriles
• Facebookfacebook.com/flemingandriles
• LinkedInlinkedin.com/company/fleming-and-riles-insurance

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 Fleming & Riles Insurance