The Baldwin Agency

What The Baldwin Agency does

The Baldwin Agency, Inc. is a privately held, 100% independent insurance agency headquartered at 1617 East Lamar St, Americus, Georgia, serving Sumter County and broader South Georgia markets. The firm traces its origins to March 1, 1889, when Walter T. Davenport began writing fire insurance for local residents; it has operated continuously for over 135 years under Baldwin-family stewardship (1961-1998) and currently under principals George R. Torbert (CEO/CFO, CIC) and Jed Jessup (COO, CIC), who became partners in January 2016.

The agency operates as an insurance intermediary rather than a carrier, earning commissions from the dozens of insurance carriers it represents (including Auto Owners, Liberty Mutual, Foremost, Hagerty, and MetLife). Its product portfolio spans personal lines — auto, homeowners, life, boat/watercraft, motorcycle, condo, flood, pet health, collector car, high-net-worth concierge, umbrella, and renters — and commercial lines including Business Owners Policies, commercial auto, general liability, professional liability/E&O, workers compensation, cyber liability, D&O, EPLI, builders risk, bonds, commercial umbrella, contractors, and commercial property. Distribution is agent-assisted via phone, in-person consultation, and online quote requests; a referral program and a 5-star Google Reviews presence support demand generation. There are no proprietary technology platforms, APIs, or AI/ML capabilities disclosed in the input — service delivery rests on standard agency-management technology and human producer expertise.

Customer concentration is diffuse: the book consists of individual/family policyholders and a long tail of small-to-mid-sized businesses (contractors, retailers, restaurants, trades, professionals) across South Georgia. There are no named enterprise anchor accounts, no disclosures of revenue or premium volume, no funding history, no M&A activity, and no public-company status — the firm is a stable, owner-operated community insurance brokerage whose growth orientation is incremental product and channel expansion rather than scale-stage transformation.

Name

The Baldwin Agency

Legal name

The Baldwin Agency, Inc.

Website

https://thebaldwinagency.com

Company type

Private

Founded year

1889

Operating status

Operating

Headcount range

1–10 employees

Short description

The Baldwin Agency is a 100% independent insurance brokerage in Americus, Georgia, serving individuals, families, and small-to-mid-sized businesses across South Georgia with personal and commercial insurance products placed through multiple insurance carriers on a commission basis.

Ownership category

akta.pro rank

Product category

Insurance Agency & Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAA

Retail (Personal Lines) Insurance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAJADAA

Commercial General Liability (CGL)

Financial & Insurance/Insurance — Motor, Property & Casualty/General Liability Insurance

Keywords

• Independent insurance agency
• Personal insurance
• Commercial insurance
• Insurance brokerage
• Risk management services

Headquarters

HQ city

Erie

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

Revenue model

1. Insurance Agency Commissions: The agency operates as an independent insurance agency/brokerage, earning commissions from insurance carriers for policies placed. They represent multiple insurance companies and shop coverage options for clients, compensated directly by the carriers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

The Baldwin Agency is an independent insurance agency and brokerage that places personal and commercial insurance policies on behalf of clients by shopping multiple insurance carriers. It earns carrier commissions for policies written across lines including auto, homeowners, life, boat, motorcycle, condo, flood, pet health, collector car, high net worth, and umbrella on the personal side, and Business Owners Policy, commercial auto, general liability, professional liability, workers compensation, cyber liability, D&O, EPLI, builders risk, bonds, commercial umbrella, contractors, and business property on the commercial side.

Product overview

The Baldwin Agency is a 100% independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency acts as an intermediary, shopping multiple insurance carriers on behalf of clients to find optimal cost and coverage combinations. Personal insurance products include auto, homeowners, life, boat, motorcycle, condo, flood, pet health, collector car, high net worth, umbrella, and renters coverage. Business insurance offerings encompass Business Owners Policies (BOP), commercial auto, general liability, professional liability (E&O), workers compensation, cyber liability, D&O, EPLI, builders risk, bonds, commercial umbrella, contractors insurance, and business property coverage. The agency provides a unified service experience where clients can access both personal and commercial lines through a single relationship, with account managers assisting with policy changes, claims, document requests, and billing across all carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal automobile insurance covering collision, comprehensive, property damage, bodily injury liability, and uninsured/under-insured motorist coverage for individual vehicle owners.
• Homeowners Insurance Coverage for primary residences including dwelling, other structures, personal property, loss of use, medical expense, personal liability, and scheduled personal property coverages.
• Life Insurance Term Life and Whole Life insurance products to protect dependents financially in case of premature death, covering income replacement, debt, and final expenses.
• Boat Insurance Watercraft insurance covering liability, physical damage, navigational area, agreed value, medical payments, uninsured watercraft, fuel spill liability, personal effects, and emergency assistance.
• Motorcycle Insurance Insurance coverage for street cycles, Harley Davidsons, trike conversions, cruisers, classic bikes, touring bikes, dirt bikes, and ATVs.
• Condo Insurance (HO-6) HO-6 policy covering condo unit interiors, floors, walls, cabinets, and fixtures where association insurance stops.
• Flood Insurance Stand-alone flood insurance policy covering damage from standing water, separate from homeowners insurance.
• Pet Health Insurance Insurance coverage for unexpected veterinary care due to accidents or illnesses for dogs and cats.
• Collector Car Insurance Classic and collector car insurance with special provisions and coverages designed for collector vehicles, distinct from traditional auto insurance.
• High Net Worth Insurance Concierge-level, fully customizable insurance for high-net-worth households covering primary/secondary/vacation homes, private collections, identity theft, artwork, high-value autos, and umbrella coverage.
• Umbrella Insurance Stand-alone liability policy providing additional coverage limits above underlying homeowners and auto insurance, typically $1 million to $5 million in coverage.
• Business Owners Policy (BOP) Pre-packaged commercial insurance bundle typically including property damage and business income coverage for small businesses with up to 100 employees.
• Commercial Auto Insurance Insurance for business vehicles including company cars, cargo vans, limos, taxis, buses, SUVs, and pickup trucks, covering bodily injury, property damage, collision, comprehensive, and uninsured motorists.
• General Liability Insurance Commercial General Liability (CGL) coverage protecting businesses from claims involving bodily injury or property damage arising from business operations.
• Professional Liability Insurance Errors and Omissions (E&O) coverage for professionals including lawyers, doctors, architects, IT professionals, real estate brokers, consultants, and engineers against claims of negligent services.
• Workers Compensation Insurance State-mandated coverage providing lost wages and medical treatment for employees with work-related injuries or illnesses, required in most states.
• Cyber Liability Insurance Coverage for business liability arising from data breaches including legal fees, identity restoration, breach notification, and computer system repair.
• Directors and Officers (D&O) Insurance Liability coverage protecting directors and officers from personal losses when sued for serving in those roles, covering legal fees and organizational costs.
• EPLI Insurance Employment Practices Liability Insurance covering businesses against employee lawsuits for sexual harassment, discrimination, wrongful termination, breach of employment contract, and negligent evaluation.
• Builders Risk Insurance Course of Construction Insurance covering buildings being constructed or remodeled, including materials on site, from fire, wind, theft, lightning, hail, explosion, vandalism, and vehicles/aircraft damage.
• Bonds Surety bonds including lost title bonds, contract surety bonds for contractors, and license/permit bonds for contractors, tax, environmental, broker, and motor vehicle dealer bonds.
• Commercial Umbrella Insurance Additional liability coverage above basic business insurance limits, offering up to $10 million to protect business assets from catastrophic claims.
• Contractors Insurance Specialized insurance for contractors including general liability, completed operations/product, advertising personal injury, and contract liability coverage for independent contractors.
• Business Property Insurance Commercial property insurance covering company buildings, business personal property, lost income, business interruption, computers, money, and valuable papers.

Quantifiable outcome

• 90% of insurance quotes complete within 24 hours or less

Named customers2 records

Segments3 records

Ideal customer profiles3 records

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 and minor.

• Georgia Agents Insurance NetworkcoreChannel Partner/ Reseller/ DistributorThe Baldwin Agency is partnered with Georgia Agents Insurance Network, a network of independent insurance agencies in Georgia. Jed Jessup became a partner of Georgia Agents Insurance Network, Inc. in January 2016, and serves as a recruiter for the network while also working as a commercial lines producer for The Baldwin Agency.
• Auto Owners InsuranceminorOthersInsurance carrier represented by The Baldwin Agency for personal and commercial lines coverage. Customers can access billing and payment services through Auto Owners customer portal.
• Liberty MutualminorOthersInsurance carrier represented by The Baldwin Agency for personal and commercial lines coverage. Carrier offers payment phone numbers and online billing portal for customer account management.
• Foremost InsuranceminorOthersInsurance carrier represented by The Baldwin Agency for specialty coverage including landlord policies and manufactured home insurance.
• Hagerty InsuranceminorOthersSpecialty insurance carrier represented for classic and collector car insurance coverage.
• MetLifeminorOthersInsurance carrier represented for various insurance products including auto, home, and life coverage.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Burns & Wilcox: Specialty wholesale insurance brokerage and managing general agent. Comparable as a specialist intermediary placing complex and specialty coverage (HNW, commercial specialty), overlapping with Baldwin's specialty lines like contractor insurance, cyber, and HNW coverage.
• World Insurance Associates: Independent insurance agency and brokerage offering personal, commercial, and specialty lines through a multi-carrier platform. Comparable independent-agent business model with strong personal/commercial cross-sell strategy.
• Heffernan Insurance Brokers: Independent insurance brokerage providing personal, commercial, and employee benefits coverage through direct agent-assisted sales. Comparable in independent agency model, carrier-shopping value proposition, and SMB plus high-net-worth target segments.
• RPS (Risk Placement Services): Wholesale insurance distributor and specialty brokerage placing commercial and personal lines through retail agents. Comparable intermediary role and multi-carrier access, focused on commercial lines placement that aligns with Baldwin's BOP and commercial offering.
• Insurance Office of America (IOA): Large independent insurance brokerage offering personal and commercial lines through a multi-carrier agency model. Directly comparable to Baldwin as both are independent agencies representing dozens of carriers and serving SMBs plus households, though IOA operates at significantly greater scale.

Regional players

• Erie Insurance: Regional insurance carrier selling exclusively through independent agents across the Mid-Atlantic, Midwest, and Southeast. Highly comparable agency-distribution model, though Erie writes the risk itself rather than the agent placing with multiple carriers.

Broad incumbents

• Brown & Brown, Inc. National insurance brokerage that grew through rollups of independent agencies like Baldwin. Comparable operating model (independent agency / brokerage with multiple carrier relationships), but operates at vastly greater scale and breadth across the U.S.
• State Farm: Largest U.S. personal-lines insurer using a captive agent model. Represents the primary alternative distribution model competing for the same auto/home/life households in Baldwin's market; not a direct competitor by model, but the dominant share-of-wallet threat.

Others

• SIAA (Strategic Insurance Agency Alliance): Alliance of independent insurance agencies that pool carrier access and back-office support. Highly comparable network model to Baldwin's existing Georgia Agents Insurance Network partnership, representing the strategic alliance peer set.
• Trusted Choice: National marketing and brand alliance for independent insurance agents. Baldwin's agency model and value proposition (independent, multi-carrier, local advisor) directly mirror the Trusted Choice positioning, making this a strong ecosystem/peer reference.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/baldwin-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 The Baldwin Agency