Cornerstone Insurance Group
Cornerstone Insurance Group is a privately held, independent multi-line insurance agency founded in 1996, headquartered in Chattanooga, Tennessee, with five Tennessee offices serving individuals, SMBs, and specialty verticals (churches, hospitality, used auto dealers) across TN, GA, and AL via 15+ carrier relationships.
- Company typePrivate
- Founded1996
- HeadquartersChattanooga, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Cornerstone Insurance Group does
The agency's core offering spans ten product categories — auto/home/personal lines, commercial insurance, life insurance, health care plans, retirement plans, disability insurance, flood insurance, bonds, financial services, and workers' compensation — plus specialty programs for churches, the hospitality industry, and used auto dealers, with the hospitality program marketed through the separate eHospitalityInsurance.com brand. Revenue is generated entirely through carrier commissions on policies sold and renewed, with pricing set per quote and multi-policy bundling discounts available. Distribution is relationship-driven, combining in-person sales across the branch network with phone, email, and a content-oriented company website; the agency emphasizes local presence, multi-carrier comparison, and long-term customer retention. The business is owned by founder Chris Scoggins and has grown through three documented mergers (Holmes 2010, Allstar/Layton 2010, Agency Insurance Group of Chattanooga 2012), with no disclosed institutional, PE, or VC ownership.
Cornerstone Insurance Group firmographics
Firmographics- Name
- Cornerstone Insurance Group
- Legal name
- Cornerstone Insurance Group
- Website
- https://cornerstoneinsgrp.com
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cornerstone Insurance Group is a privately held, independent multi-line insurance agency founded in 1996, headquartered in Chattanooga, Tennessee, with five Tennessee offices serving individuals, SMBs, and specialty verticals (churches, hospitality, used auto dealers) across TN, GA, and AL via 15+ carrier relationships.
- Ownership category
- akta.pro rank
Where Cornerstone Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Chattanooga
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Cornerstone Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Insurance Commissions: As an independent insurance agency, Cornerstone Insurance Group earns revenue through commissions paid by insurance carriers for policies sold and renewed. They represent multiple insurance companies including Allied Insurance, Auto-Owners Insurance, Blue Cross Blue Shield, Cincinnati Insurance, Erie Insurance, Grange Insurance, Philadelphia Insurance, Principal Financial Group, Progressive, Safeco, Travelers, United Healthcare, Nationwide, Liberty Mutual, and Mapfre.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Multi-policy discounts for bundled coverage |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Cornerstone Insurance Group product offering
Product offeringCore offering
Cornerstone Insurance Group is an independent insurance agency that represents 15+ insurance carriers and sells their personal and commercial insurance products to individuals and businesses. Core offerings include auto/home/personal insurance, commercial insurance (with specialty programs for churches, hospitality, and used auto dealers), life insurance, health care plans, retirement plans, disability insurance, flood insurance, workers' compensation, bonds, and financial services. Revenue is generated through commissions paid by carriers on policies sold and renewed.
Product overview
Cornerstone Insurance Group is an independent insurance agency offering a comprehensive portfolio of insurance products across personal and commercial lines. The core offering consists of ten main product categories: Auto/Home/Personal Insurance (covering automobiles, homes, watercraft, and personal umbrella), Commercial Insurance (Business Owners Policy, Commercial Package, Umbrella, Professional Liability, Cyber Liability, Employee Practices Liability), Life Insurance (term, whole life, burial, annuities, disability income), Health Care Plans, Retirement Plans (IRA and annuities), Disability Insurance, Flood Insurance, Bonds, Financial Services, and Workers' Compensation. The agency also maintains specialty programs for churches, hospitality industry, and used auto dealerships. Products are sourced from multiple carrier partners including Allied Insurance, Auto-Owners, BlueCross BlueShield, Cincinnati Insurance, Erie Insurance, Grange, Philadelphia Insurance, Principal Financial Group, Progressive, Safeco, Travelers, United Healthcare, Nationwide, Liberty Mutual, and Mapfre.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto, Home and Personal Insurance Personal lines insurance covering automobiles, homes, watercraft, and personal umbrella coverage for individuals and families. Offered through multiple carrier partners including Progressive, Safeco, Travelers, Erie, Auto-Owners, and others.
- Commercial Insurance Business insurance including Business Owners Policy, Commercial Package Policy, Commercial Umbrella, Professional Liability, Cyber and Privacy Liability, Employee Practices Liability, and specialty programs for churches, fast-food franchises, used auto dealers, and hospitality industry. For small to mid-sized businesses across multiple verticals.
- Life Insurance
Quantifiable outcome
- Some companies offer large dividends to reduce overall Workers' Compensation cost
Companies that use Cornerstone Insurance Group
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
Cornerstone Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Cornerstone Insurance Group partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and specialty.
- Allied InsurancecoreInsurance carrier represented by Cornerstone Insurance Group for personal and commercial insurance products.
- Auto-Owners InsurancecoreInsurance carrier represented by Cornerstone Insurance Group.
- Blue Cross Blue Shield of TennesseecoreHealth insurance carrier providing individual and group healthcare plans. Cornerstone offers BlueCross BlueShield plans as part of their health care portfolio.
- Cincinnati InsurancecoreInsurance carrier represented by Cornerstone Insurance Group for commercial and personal lines.
- Erie InsurancecoreInsurance carrier represented by Cornerstone Insurance Group.
- Grange InsurancecoreInsurance carrier represented by Cornerstone Insurance Group.
- Philadelphia InsurancecoreInsurance carrier represented by Cornerstone Insurance Group.
- Principal Financial GroupcoreFinancial services and insurance carrier. Cornerstone offers Principal Life and Health plans as part of their health care offerings.
- Progressive InsurancecoreInsurance carrier represented by Cornerstone Insurance Group for auto and personal insurance.
- Safeco InsurancecoreInsurance carrier represented by Cornerstone Insurance Group.
- Travelers InsurancecoreInsurance carrier represented by Cornerstone Insurance Group.
- United HealthcarecoreHealth insurance carrier. Cornerstone offers United Healthcare plans as part of their health care portfolio.
- Nationwide InsurancecoreInsurance carrier represented by Cornerstone Insurance Group.
- Liberty Mutual InsurancecoreInsurance carrier represented by Cornerstone Insurance Group.
- Mapfre InsurancecoreInsurance carrier represented by Cornerstone Insurance Group.
- John Deere HealthcoreHealth insurance provider offering individual and group healthcare plans through Cornerstone Insurance Group.
- eHospitalityInsurance.comspecialtySpecialty website for hospitality industry insurance coverage. Stephen F. Holmes heads up the Hospitality Division of Cornerstone and manages this specialized program.
Scale indicators3 records
Recent moves7 records
Expansion highlights4 records
Cornerstone Insurance Group competitors and assessment
Company assessmentBroad incumbents
- Alera Group: National independent insurance agency formed through the roll-up of regional agencies. Provides the same multi-line brokerage services as Cornerstone but at substantially greater scale across the US.
- Brown & Brown: National insurance brokerage with significant Southeast operations. Competes with Cornerstone across personal and commercial lines and exemplifies the acquisition-led growth playbook Cornerstone could pursue.
- Hub International: Large global insurance brokerage with strong US Southeast presence. Targets the same commercial and specialty niches as Cornerstone but with significantly deeper carrier relationships and technology investment.
- USI Insurance Services: Large national insurance brokerage serving mid-market and large commercial clients. Competes with Cornerstone for commercial accounts but with vastly broader resources and proprietary risk-management services.
Direct peers
- IMA Financial Group: Independent insurance and risk management firm operating across the central and Southeast US. Comparable independent agency model with commercial specialization, though materially larger scale.
- RPS Insurance: Specialty insurance distributor and brokerage with strong expertise in niche programs. Comparable in its focus on vertical specialty programs (churches, hospitality, auto dealers) and ability to leverage carrier partnerships.
- Highstreet Insurance Partners: Independent insurance agency platform actively consolidating small-to-mid-market agencies. Closely comparable growth strategy to Cornerstone's merger-led expansion history.
- Houchens Insurance Group: Independent insurance agency headquartered in Bowling Green, KY, operating across Kentucky, Tennessee and adjacent Southeast states. Similar multi-office independent agency model with broad personal and commercial lines, making it the closest regional comparable to Cornerstone.
- The Buckner Company: Tennessee-based independent insurance agency offering personal, commercial, and life products across multiple offices. Comparable size and Southeast focus, with a similar multi-carrier brokerage approach.
Regional players
- Haas & Wilkerson Insurance: Mid-Atlantic and Southeast regional independent insurance agency offering personal, commercial, and specialty coverages. Comparable independent-broker model but operates primarily outside Cornerstone's TN/GA/AL footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Cornerstone Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cornerstone Insurance Group leadership team
Management profileNumber of profiles
Profiles10 records
Cornerstone Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries1 record
Cornerstone Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cornerstone Insurance Group 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 Cornerstone Insurance Group
What does Cornerstone Insurance Group do?
Cornerstone Insurance Group is an independent insurance agency that represents 15+ insurance carriers and sells their personal and commercial insurance products to individuals and businesses. Core offerings include auto/home/personal insurance, commercial insurance (with specialty programs for churches, hospitality, and used auto dealers), life insurance, health care plans, retirement plans, disability insurance, flood insurance, workers' compensation, bonds, and financial services. Revenue is generated through commissions paid by carriers on policies sold and renewed.
Is Cornerstone Insurance Group a public or private company?
Cornerstone Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Cornerstone Insurance Group founded?
Cornerstone Insurance Group was founded in 1996. It employs 11 to 50 people.
Where is Cornerstone Insurance Group based?
Cornerstone Insurance Group is headquartered in Chattanooga, United States, in the North America region.
How does Cornerstone Insurance Group make money?
One revenue line is on record: insurance Commissions.
Who are Cornerstone Insurance Group's main competitors?
Broad incumbents on record are Alera Group, Brown & Brown, Hub International and USI Insurance Services. Direct peers are IMA Financial Group, RPS Insurance, Highstreet Insurance Partners, Houchens Insurance Group and The Buckner Company. Haas & Wilkerson Insurance is listed as a regional player.
Does Cornerstone Insurance Group have an API?
No public API is recorded for Cornerstone Insurance Group.