Kunkel Insurance Agency

What Kunkel Insurance Agency does

Kunkel Insurance Agency, Inc. is a family-run independent insurance agency founded in 1931 in Jasper, Indiana. The firm distributes personal and commercial insurance products through partnerships with nine carriers, including General Casualty, West Bend, Indiana Insurance, Motorists Mutual, Progressive, The Hartford, Travelers, Arlington/Roe & Co., and Hagerty. Its core product set covers five lines: homeowners, automobile, business, life insurance, and claims service. The agency generates revenue through carrier commissions on policies placed, with no disclosed fee-for-service or subscription revenue components.

The agency employs approximately 9 staff (firmographic range 11–50), with multi-generational family involvement: founder Frances Kunkel, her son Alan L. Kunkel (current owner/operator since 1964), Alan's wife Brenda S. Kunkel, and son Richard F. Kunkel (joined 1992). Specialist staff handle commercial lines (Nanette Parsons) and personal lines (Nikki Popp, Karen Holst). The business operates without proprietary technology — no AI/ML capabilities, no digital platform, no app, and a static website dating to 2010. Distribution is relationship-driven via phone (812-482-4556), email, in-person consultations, and a Facebook page.

The customer base consists of individuals and small-to-mid commercial clients in Jasper and surrounding Indiana communities. Claims service includes draft authority with select carriers enabling same-day settlement, and the agency serves as a liaison between clients and carriers. The 2009 Agency of the Year award (awarding body unspecified) and membership in the Greater Downtown Jasper Business Association reflect its local community positioning. There is no evidence of external investment, parent company, or M&A activity; the entity remains privately held under family ownership.

Name

Kunkel Insurance Agency

Legal name

Kunkel Insurance Agency, Inc.

Website

https://kunkelinsurance.com

Company type

Private

Founded year

1931

Operating status

Operating

Headcount range

11–50 employees

Short description

Kunkel Insurance Agency is a family-run independent insurance agency founded in 1931 in Jasper, Indiana, offering personal and commercial lines (home, auto, business, life) through nine carrier partnerships. It serves individuals and small-to-mid businesses in Jasper and surrounding Indiana communities via relationship-driven sales.

Ownership category

akta.pro rank

Headquarters

HQ city

Jasper

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

Revenue model

1. Insurance Agency Commissions: Generates revenue through commissions from insurance carrier partnerships. As an independent insurance agency, earns commissions from multiple insurance carriers including General Casualty, West Bend, Indiana Insurance, Motorists Mutual, Progressive, The Hartford, Travelers, Arlington/Roe & Co., and Hagerty.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Kunkel Insurance Agency is a family-run independent insurance agency based in Jasper, Indiana, operating since 1931. It sells and services personal lines (homeowners, automobile, life) and commercial business insurance policies by brokering coverage from multiple insurance carriers on behalf of individual and business clients, and provides claims-handling support as liaison between the insured and the carrier.

Product overview

Kunkel Insurance Agency is a family-run independent insurance agency offering personalized insurance packages for individuals and businesses in Jasper, Indiana and surrounding communities since 1931. The agency provides a portfolio of five core insurance products: Homeowners Insurance, Automobile Insurance, Business Insurance, Life Insurance, and Claims Service. These products are offered through partnerships with multiple insurance carriers including General Casualty, West Bend, Indiana Insurance, Motorists Mutual, Progressive, The Hartford, Travelers, Arlington/Roe & Co., and Hagerty, allowing the agency to design comprehensive coverage programs tailored to each client's unique needs on both personal and commercial levels.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance

Quantifiable outcome

• Same-day claim settlements available with select carriers through draft authority

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core.

• General CasualtycoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership providing personal and commercial insurance products to customers.
• West BendcoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership providing personal and commercial insurance products.
• Indiana InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partnership for Indiana market coverage.
• Motorists MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier providing auto and other personal lines coverage.
• ProgressivecoreChannel Partner/ Reseller/ DistributorNational insurance carrier partnership providing auto and specialty coverage.
• The HartfordcoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership offering business and personal insurance products.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partnership providing commercial and personal lines coverage.
• Arlington/Roe & Co.coreChannel Partner/ Reseller/ DistributorInsurance carrier partnership, likely specializing in specific lines such as classic car insurance.
• HagertycoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier partnership, likely for classic vehicle coverage.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Direct peers

• Higginbotham: Large independent insurance brokerage serving commercial and personal lines across multiple U.S. regions. Comparable to Kunkel in operating as an independent agency/brokerage intermediating between clients and carriers, though at significantly greater scale.
• Goosehead Insurance: Independent personal-lines insurance agency that distributes across multiple carriers through franchise and corporate locations. Highly comparable to Kunkel's multi-carrier independent agency model for home, auto, and life, with a more scalable franchise structure.
• Leavitt Group: Independent insurance brokerage with regional offices throughout the western and central U.S. Comparable to Kunkel in the independent multi-carrier agency model offering personal, commercial, and life insurance, though with broader geographic reach.

Broad incumbents

• Progressive: One of the largest U.S. auto insurers and a direct Kunkel carrier partner, but also a direct competitor via its own direct-to-consumer and online channels. Comparable in offering personal auto insurance — the same line Kunkel distributes through Progressive and other carriers.
• Marsh McLennan: Global professional services firm in risk, strategy, and people, including the Marsh insurance brokerage brand. Operates as a major insurance intermediary analogous to Kunkel's agency model, but at global enterprise scale with institutional clients.
• State Farm: Largest U.S. personal-lines insurer operating through a captive agent model. Competes with Kunkel for the same personal auto and homeowners customers in Indiana, though via exclusive-agent distribution rather than Kunkel's independent multi-carrier approach.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm. Comparable to Kunkel in the insurance intermediary role but operates a much larger national and international footprint across commercial and personal lines.
• Allstate: Major U.S. personal-lines insurer with captive agents and direct channels. Competes directly with Kunkel for auto, home, and life customers in Indiana, particularly through its direct-to-consumer digital channel.
• Brown & Brown, Inc. Large national insurance brokerage and risk management firm operating across all major U.S. insurance lines. Operates in the same insurance intermediary/agency space as Kunkel but at vastly greater scale and with much broader geographic and product coverage.

Regional players

• Erie Indemnity Company: Manages the Erie Insurance Exchange and operates a captive agency system concentrated in the eastern and central U.S., including Indiana. Comparable to Kunkel as a regional insurance distribution model reliant on local agents placing personal and commercial lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/kunkelinsuranceagency
• LinkedInlinkedin.com/company/kunkel-insurance-agency-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Kunkel Insurance Agency