Judd Insurance Agency

What Judd Insurance Agency does

Judd Insurance Agency, Inc. is a family-owned independent insurance agency headquartered in Birch Run, Michigan, founded in 1931 by George M. Judd after being invited to represent Frankenmuth Mutual Fire Insurance Company. The agency operates from two locations and serves individuals, families, and small-to-medium businesses across Michigan, Ohio, Indiana, and Kentucky. Its core products span personal lines (auto, homeowners, life, umbrella, boat, RV), commercial lines (Business Owners Packages, business auto, general liability, business umbrella, commercial property, workers compensation, cyber, EPLI, professional liability), specialty lines (farm, church, apartment, self-storage, condominium), and health insurance for individuals and groups.

The agency is a true independent agent/broker rather than a captive agent: it represents over 30 insurance carriers, anchored by long-tenured partnerships with Frankenmuth Mutual (since 1931), Auto-Owners Insurance (since 1969), and Hastings Mutual (since 1972). Multi-carrier access enables the agency to shop rates and tailor coverage across personal, commercial, farm, and specialty risks, with risk management consulting positioned as a value-add for commercial clients. The technology footprint is minimal — a WordPress-based website (juddinsurance.com) with online quote request forms, a live quote tool, and basic social/YouTube presence — consistent with a traditional relationship-led independent agency rather than a tech-enabled insurtech.

Commercially, the agency operates a sales-led GTM with both office-based and phone-based direct sales plus self-serve online quote capture. Revenue is generated entirely through carrier commissions on placed policies, billed monthly through the carriers, with premiums individually quoted based on risk profile, coverage, and carrier appetite. The company is privately held under multi-generational Judd family stewardship, with no disclosed external capital, and operates with a 1–10 employee footprint.

Name

Judd Insurance Agency

Legal name

Judd Insurance Agency, Inc.

Website

https://juddinsurance.com

Company type

Private

Founded year

1931

Operating status

Operating

Headcount range

1–10 employees

Short description

Judd Insurance Agency is a family-owned independent insurance agency in Birch Run, Michigan, offering personal, commercial, farm, specialty, and health insurance products to individuals, families, and small-to-medium businesses across Michigan, Ohio, Indiana, and Kentucky through 30+ carrier partnerships.

Ownership category

akta.pro rank

Product category

Insurance Brokerage (Personal and Commercial Lines)

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Real Estate / Lessors Risk BOP (FSAJAFAI), Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Independent insurance agency
• Personal insurance broker
• Commercial insurance packages
• Farm and specialty insurance
• Multi-carrier insurance brokerage

Headquarters

HQ city

Birch Run

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, Infrastructure

Revenue model

1. Insurance Commissions: Revenue generated through commissions from multiple insurance carriers for policies placed on behalf of clients. The agency represents over 30 insurance companies and earns commissions on personal lines (auto, home, life), commercial lines (BOP, liability, property, workers comp), and specialty lines (farm, boat, RV, umbrella).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Judd Insurance Agency is an independent insurance broker that places personal, commercial, specialty, and health insurance policies on behalf of clients through more than 30 carrier partners. The agency earns commissions on auto, homeowners, life, boat, RV, umbrella, farm, business owners package, commercial auto, liability, property, workers compensation, and individual/group health insurance sold to individuals, families, and small-to-medium businesses across Michigan, Ohio, Indiana, and Kentucky.

Product overview

Judd Insurance Agency is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency provides personal lines including Auto, Homeowners, Life, Boat, RV, and Umbrella insurance, as well as specialized Farm Insurance. On the commercial side, they offer a Commercial Package that includes Business Owners Packages (BOP), Business Auto, Business Liability, Business Umbrella, Business Property, and Workers Compensation Insurance. The agency also provides Health Insurance products for both individuals and groups. As an independent agency, Judd represents multiple insurance companies to offer customized coverage options for clients in Michigan, Ohio, Indiana, and Kentucky.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance coverage for individuals and families that protects against financial loss from accidents, providing property coverage for vehicle damage or theft, liability coverage for legal responsibility to others, and medical coverage for injury treatment.
• Homeowners Insurance Homeowners insurance that provides financial protection against disasters for individuals and families, covering the home structure, personal belongings, liability, and additional living expenses when the insured is displaced.
• Life Insurance Life insurance product for individuals and families that provides income replacement for dependents, pays final expenses, creates inheritance, and covers estate taxes as part of financial planning.
• Boat Insurance Boat insurance covering larger boats, yachts, and personal watercraft including jet skis and wave runners, providing hull coverage, liability protection, and guest passenger coverage.
• RV Insurance RV insurance that protects motor homes including Classes A, B, and C, motor coaches, camper vans, travel trailers, campers, pop-ups, fifth wheels, and toy haulers.
• Personal Umbrella Insurance Personal umbrella insurance providing additional liability coverage over primary auto and homeowner policies and covering situations not included in primary insurance.
• Farm Insurance Comprehensive Farmowners Package covering residence, personal property, barns and outbuildings, farm personal property, and personal and farm liability for agricultural operations and farm owners.
• Individual Health Insurance Health insurance for individuals covering options including Individual, Group, and Medicare plans with various plan features, coverage, and costs.
• Group Health Insurance Group benefit plans designed for individuals, corporations, and associations including Medical (HMO, PPO, POS, HSA), HRA, Disability, Dental, Vision, life, long-term care, and voluntary benefit programs.
• Commercial Package Insurance Business insurance package including Business Owners Packages (BOP) and specialized coverage designed for property, liability, and casualty needs across various industries such as retail, wholesale, contracting, electrical, plumbing, property management, and restaurants.
• Business Auto Insurance Business auto policy covering liability, comprehensive coverage, collision, towing and labor costs, and loss of use/rental vehicle coverage for business vehicles.
• Business Liability Insurance General liability insurance covering personal and advertising injury, medical expenses, on-site accidents, and injuries from goods or services sold on-premises.
• Business Umbrella Insurance Commercial Umbrella Liability Policy providing an additional layer of insurance protection to handle major losses exceeding primary coverage limits.
• Business Property Insurance Commercial Property Policy covering building, fixtures, machinery, equipment, personal property, and leased personal property under the ISO Commercial Property Program.
• Workers Compensation Insurance Workers Compensation and Employers Liability Insurance Policy providing coverage for statutory liability under Workers Compensation Acts, including medical treatment and disability.

Segments4 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.

• Hastings MutualcoreChannel Partner/ Reseller/ Distributor · 1 January 1972Hastings Mutual has been a carrier partner since 1972. The partnership expands the range of insurance products available to Judd Insurance clients.
• Auto-Owners InsurancecoreChannel Partner/ Reseller/ Distributor · 1 January 1969Auto-Owners Insurance has been a carrier partner since 1969. The agency offers Auto-Owners products to provide competitive commercial and personal insurance options to clients in their service area.
• Frankenmuth Mutual Fire Insurance CompanycoreChannel Partner/ Reseller/ Distributor · 1 January 1931Frankenmuth Mutual Fire Insurance Company is the founding carrier partner. Carl Nuechterlein, then President of Frankenmuth Mutual, invited George M. Judd to become an agent in 1931, establishing the Judd Insurance Agency.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Erie Insurance Group: Mid-Atlantic and Midwest P&C insurer that sells exclusively through independent agents, making it the most structurally similar regional carrier to Judd's distribution model.
• Auto-Owners Insurance: Michigan-headquartered P&C carrier and Judd partner since 1969. Uses an exclusive independent agent distribution model comparable to Judd's go-to-market.
• Frankenmuth Insurance: Michigan-based mutual insurance carrier that is Judd's founding carrier partner since 1931. Operates a similar independent agency distribution model and shares the regional Midwest customer base.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm that competes for the same commercial and personal lines clients across the Midwest via independent agency acquisitions.
• Acuity Insurance: Wisconsin-based Midwest regional P&C carrier that distributes through independent agents, serving a comparable rural and small-business customer base.
• Hub International: Large global insurance brokerage that has been actively acquiring independent agencies in the Midwest. Represents the consolidation threat and potential acquirer profile for an agency like Judd.
• Westfield Insurance: Ohio-based super-regional P&C carrier distributing through independent agents across the Midwest, operating in overlapping states with Judd.
• Brown & Brown, Inc. Large national insurance brokerage built through roll-up acquisitions of independent agencies, comparable to a scaled-up version of Judd's business model.
• Hastings Mutual Insurance Company: Ohio-based regional P&C carrier partnered with Judd since 1972, distributes exclusively through independent agents across the Midwest with a comparable product portfolio.

Direct peers

• Heffernan Insurance Brokers: Privately-held independent insurance brokerage headquartered in the Midwest, offering personal and commercial lines through a multi-carrier model analogous to Judd's agency model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/JuddInsuranceAgency
• LinkedInlinkedin.com/company/judd-insurance-agency-inc

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 Judd Insurance Agency