C & F Insurance Group
C & F Insurance Group is a privately held independent insurance agency in Jeffersonville, Indiana, writing auto, residential, and commercial policies for individuals and small businesses across Indiana and Kentucky via a multi-carrier network and a phone- and on-site-based sales model.
- Company typePrivate
- Founded1998
- HeadquartersJeffersonville, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What C & F Insurance Group does
C & F Insurance Group LLC is a privately held, locally owned independent insurance agency headquartered at 812 Spring St, Jeffersonville, Indiana. Founded in 1998 through the merger of Carroll Insurance Agency and Fraze Insurance and Investments, the firm operates with 11-50 employees and is licensed to write business in Indiana and Kentucky under the "Kentuckiana" regional brand. It is led by Charles Carroll (President and Principal Agent), with partners and agents including Larry E. Fraze, Andy Ivers, and David Guernsey, the latter two having merged their own prior agencies into C & F in 2005 and 2011, respectively.
The agency distributes three core product lines — Auto Insurance, Residential Insurance, and Commercial Insurance — through a network of approximately 19 carrier appointments spanning national and regional P&C insurers (Progressive, Liberty Mutual, Travelers, Nationwide, Hartford, CNA, Foremost, Hagerty, KEMI, Grange, Secura, State Auto, Safeco, Encompass, Bristol West, American Modern, Amerisafe, Clear Path Mutual, Guard). Its go-to-market is sales-led and relationship-driven: customers initiate contact by phone, agents gather information securely, and on-site visits to homes and offices are used to tailor coverage. Marketing relies primarily on direct personal contact and word-of-mouth referrals rather than paid digital channels, and the agency maintains a website (cfinsurance.com) for policy change requests and carrier information.
C & F generates revenue exclusively through insurance agency commissions paid by its carrier partners on placed policies — there is no direct client fee. Its value proposition rests on independent-agent comparative shopping across multiple carriers, customized risk analysis, and a localized service model positioned against digital-first and captive-agent competitors. The firm is a member of SIAA (Strategic Insurance Agent Association) and the Independent Insurance Agents of Indiana, and it has not raised institutional capital, has no parent company, and discloses no revenue.
C & F Insurance Group firmographics
Firmographics- Name
- C & F Insurance Group
- Legal name
- C & F Insurance Group LLC
- Website
- https://cfinsurance.com
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- C & F Insurance Group is a privately held independent insurance agency in Jeffersonville, Indiana, writing auto, residential, and commercial policies for individuals and small businesses across Indiana and Kentucky via a multi-carrier network and a phone- and on-site-based sales model.
- Ownership category
- akta.pro rank
Where C & F Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Jeffersonville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
C & F Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Agency Commissions: As an independent insurance agency, C & F Insurance Group generates revenue through commissions paid by the insurance carriers they represent. They do not charge clients directly for their services; instead, they earn commissions from placing insurance policies with their carrier partners.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
C & F Insurance Group product offering
Product offeringCore offering
C & F Insurance Group is an independent insurance agency that sells auto, residential, and commercial insurance by shopping coverage options on behalf of customers across multiple regional and national insurance carriers. The agency gathers customer information over the phone, sends agents to clients' homes or offices, and earns commissions from the carriers that ultimately underwrite the policies. Its three core product lines are Auto Insurance, Residential Insurance, and Commercial Insurance.
Product overview
C & F Insurance Group LLC is an independent insurance agency offering a portfolio of core insurance products through multiple carrier partnerships. The agency provides three primary insurance offerings: Auto Insurance (covering liability, comprehensive, collision, personal injury protection, and medical coverage), Residential Insurance (protecting homes, collectibles, fine arts, jewelry, personal belongings, condominiums, apartments, associations, and personal liability with umbrella coverage), and Commercial Insurance (protecting business assets including computers, equipment, furnishings, inventory, and buildings). The agency designs customized, creative and cost-effective insurance programs based on detailed policy reviews, asset surveys, and risk analysis.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Automobile insurance coverage including liability limits, comprehensive, collision, personal injury protection, and medical coverages, designed to protect against minor fender benders and substantial accidents. Offered to individual consumers and families, with discounts for youthful operators.
- Residential Insurance Personal insurance protecting homes, collectibles, fine arts, jewelry, personal belongings, condominiums, apartments, associations, personal liability, and umbrella coverage. Also covers recreational vehicles including motorcycles, boats, and jet skis. Customized programs are designed based on detailed policy reviews, asset surveys, and risk analysis.
- Commercial Insurance Business property insurance covering computers, equipment, furnishings, inventory, supplies, and buildings, protecting assets against theft, damage, fire, or natural disaster. Flexible coverage ranges from a single line to multiple lines on a single policy, tailored to the needs of small businesses and startups.
Companies that use C & F Insurance Group
Customer profileSegments4 records
Ideal customer profiles2 records
C & F Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
C & F Insurance Group partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core and minor.
- American ModerncoreInsurance carrier represented by C & F Insurance Group. Specializes in various insurance products including specialty property and casualty coverage.
- AmerisafecoreInsurance carrier in the C & F network, providing workers' compensation and other commercial insurance products.
- Bristol WestcoreInsurance carrier represented for automobile coverage, part of the Progressive group.
- Clear Path MutualcoreMutual insurance carrier represented, providing various insurance products.
- CNAcoreMajor national insurance carrier providing commercial and personal insurance products.
- EncompasscoreInsurance carrier offering personal insurance products, part of Liberty Mutual.
- ForemostcoreInsurance carrier specializing in specialty insurance products including manufactured housing, motor homes, and watercraft.
- Grange InsurancecoreRegional insurance carrier offering personal and commercial insurance products in the Midwest.
- Guard InsurancecoreInsurance carrier represented for commercial and personal coverage options.
- HagertycoreInsurance carrier specializing in classic car and collector vehicle insurance.
- HartfordcoreMajor national insurance carrier offering personal and commercial insurance products.
- KEMI (Kentucky Employers' Mutual Insurance)coreWorkers' compensation carrier serving Kentucky employers.
- Liberty MutualcoreMajor national insurance carrier offering a wide range of personal and commercial insurance products.
- NationwidecoreMajor national insurance carrier providing personal and commercial insurance products.
- ProgressivecoreMajor national insurance carrier, particularly known for auto insurance, represented through Bristol West.
- SafecocoreInsurance carrier offering personal insurance products, part of Liberty Mutual.
- SecuracoreRegional insurance carrier providing personal and commercial insurance in the Midwest.
- State AutocoreRegional insurance carrier offering personal and commercial insurance products.
- TravelerscoreMajor national insurance carrier offering personal and commercial insurance with both personal and commercial claims lines.
- Independent Insurance Agents of IndianacoreProfessional association membership providing network benefits, industry resources, and credibility for independent insurance agents in Indiana.
- SIAA (Strategic Insurance Agent Association)minorMember of SIAA, described as the largest network of independent agents in the country. Provides access to carrier relationships and industry resources.
Scale indicators3 records
Recent moves6 records
Expansion highlights3 records
C & F Insurance Group competitors and assessment
Company assessmentDirect peers
- Brightway Insurance: Brightway is a franchise model for independent insurance agencies placing homeowners, auto, and commercial coverage through multiple carriers. Comparable to C & F in product offering and carrier-shopping approach, with a more scalable franchise structure.
- Goosehead Insurance: Goosehead is a publicly-traded independent insurance agency franchise offering home, auto, and other personal lines through multi-carrier appointments. It is a direct competitor in the independent agency model but operates at much greater scale with corporate backing.
- SIAA Member Agencies (Network): SIAA is the largest network of independent insurance agents in the U.S.; C & F is a member. Other SIAA member agencies operate a near-identical independent multi-carrier agency model with similar commission economics, customer segments, and reliance on personal service.
- Independent Insurance Agents of Indiana Member Agencies: Other Indiana-licensed independent agencies in the IIAI association. They share the same independent agency structure, P&C and life product mix, and dependence on regional carrier appointments as C & F Insurance Group.
Regional players
- Knipper Insurance Agency (Kentuckiana region): A locally-owned independent insurance agency based in the Kentuckiana region offering auto, home, and commercial coverage through multiple carriers. It competes head-to-head with C & F for the same southern Indiana / Louisville area customer base.
Others
- Trusted Choice (Independent Insurance Agents network): Trusted Choice is the consumer-facing brand of the Independent Insurance Agents of America. It is an ecosystem/association peer rather than a direct competitor but connects C & F to the broader national independent-agent distribution channel.
Broad incumbents
- Frankenmuth Insurance: Frankenmuth is a regional mutual insurance carrier that distributes through independent agents in the Midwest. It is one of the carriers C & F represents, but also competes indirectly by offering direct or preferred-customer channels in overlapping Indiana/Kentucky geographies.
- Liberty Mutual Insurance: Liberty Mutual is a major national carrier and one of C & F's core carrier partners. While not a peer in agency terms, it represents the type of broad incumbent carrier whose direct channels, captive agents, and commission terms materially shape C & F's economics and competition.
- Allstate Exclusive Agents: Allstate's exclusive agent network offers auto, home, and life insurance through captive distribution. They compete head-to-head with C & F in Indiana/Kentucky for personal lines customers preferring a known national brand.
- State Farm Insurance Agents: State Farm operates a massive captive-agent distribution model serving auto, home, and small business insurance nationally. Although captive rather than independent, State Farm agents compete directly with C & F for the same Indiana/Kentucky personal and small commercial customer.
Market position
Weaknesses5 records
Competitive moat3 records
Key risks1 record
Key highlights7 records
Customer concentration
C & F Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
C & F Insurance Group leadership team
Management profileNumber of profiles
Profiles4 records
C & F Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
C & F 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 C & F Insurance Group
What does C & F Insurance Group do?
C & F Insurance Group is an independent insurance agency that sells auto, residential, and commercial insurance by shopping coverage options on behalf of customers across multiple regional and national insurance carriers. The agency gathers customer information over the phone, sends agents to clients' homes or offices, and earns commissions from the carriers that ultimately underwrite the policies. Its three core product lines are Auto Insurance, Residential Insurance, and Commercial Insurance.
Is C & F Insurance Group a public or private company?
C & F Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was C & F Insurance Group founded?
C & F Insurance Group was founded in 1998. It employs 11 to 50 people.
Where is C & F Insurance Group based?
C & F Insurance Group is headquartered in Jeffersonville, United States, in the North America region.
How does C & F Insurance Group make money?
One revenue line is on record: insurance Agency Commissions.
Who are C & F Insurance Group's main competitors?
Direct peers on record are Brightway Insurance, Goosehead Insurance, SIAA Member Agencies (Network) and Independent Insurance Agents of Indiana Member Agencies. Knipper Insurance Agency (Kentuckiana region) is listed as a regional player. Trusted Choice (Independent Insurance Agents network) is listed as an others. Broad incumbents are Frankenmuth Insurance, Liberty Mutual Insurance, Allstate Exclusive Agents and State Farm Insurance Agents.
Does C & F Insurance Group have an API?
No public API is recorded for C & F Insurance Group.