Clavette Insurance

What Clavette Insurance does

Clavette Insurance Agency, Inc. is a privately held, third-generation family-owned independent insurance agency founded in 1988 and domiciled in Wisconsin. The company operates from a single office in Franklin, Wisconsin (relocated from Hales Corners in 2005) and serves individuals, families, and small-to-medium businesses across the Milwaukee metropolitan area. It is a three-person team — Mike Clavette (founder), Adam Clavette (auto and life insurance expert), and Keri Clavette — with no external investors, no parent company, and no disclosed ownership changes.

The agency distributes a broad portfolio of personal and commercial insurance products sourced from 16+ carrier partners, including Acuity, Travelers, Liberty Mutual, Progressive, United, Wisconsin Mutual, Foremost, Safeco, Hanover, Kemper, Openly, Steadily, Jewelers Mutual, NetworkHealth, and AMIG. Product lines span personal auto, commercial auto, classic/collector auto, recreational vehicles (boats, ATVs, RVs, motorcycles, golf carts, snowmobiles, electric bikes), home (primary, secondary, renters, condo, landlord, mobile home, park model), umbrella, life, business/commercial, Medicare solutions, health, and specialty lines (wedding, jewelry, pet). The agency operates on a standard independent-agent technology stack — a content website with quote forms, carrier partner portals (Acuity, Safeco online account access), Facebook page, and BBB accreditation — with no proprietary platform, APIs, or disclosed AI capabilities.

Clavette Insurance earns revenue exclusively through carrier commissions on policies sold and renewed. There are no published pricing tiers; all quoting is quote-based and requires direct contact via phone (414-425-4646), website quote form, or in-person consultation during limited weekday hours. The go-to-market is sales-led via phone and supplemented by self-serve online quote forms linking to carrier portals. There are no funding rounds, no M&A activity, no subsidiaries, and no regulatory actions on record.

Name

Clavette Insurance

Legal name

Clavette Insurance Agency, Inc.

Website

https://clavette.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

Clavette Insurance is a third-generation, family-owned independent insurance agency in Franklin, Wisconsin, serving individuals and small businesses in the Milwaukee metro via 16+ carrier partners across auto, home, life, business, and specialty lines.

Ownership category

akta.pro rank

Headquarters

HQ city

Hales Corners

HQ country

United States

HQ region

North America

Offices2 records

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 Agency Commissions: Earns commissions from multiple insurance carrier partners including Acuity, Travelers, Liberty Mutual, Progressive, United, Wisconsin Mutual, Foremost, Surety, Hanover, Kemper, Safeco, Steadily, Openly, Jewelers Mutual, NetworkHealth, and AMIG. Agency model where they represent multiple carriers and earn commissions on policies sold.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Clavette Insurance Agency is an independent insurance brokerage that sells personal and commercial insurance policies on behalf of multiple carrier partners to individuals, families, and small businesses in the Milwaukee metropolitan area. The agency earns commissions by quoting, placing, and servicing policies across auto, home, life, business, Medicare, and specialty lines (boats, ATVs, RVs, motorcycles, wedding, jewelry, pet). Customers access the agency via phone, online quote forms, and in-person consultations at the Franklin, WI office.

Product overview

Clavette Insurance Agency is a third-generation family-owned independent insurance agency founded in 1988, serving the Milwaukee metropolitan area. Rather than offering a single unified software product, the company provides a portfolio of insurance products across multiple categories: Auto Insurance (Personal Auto, Commercial Auto, Classic/Collector Auto, and Recreational Vehicles including Boat, ATV, RV, Snowmobile, Golf Cart, Motorcycle/Scooter, and Electric Bikes); Home Insurance (Primary/Secondary, Renters, Condo, Landlord/Dwelling Fire, Mobile Home, and Park Model); Other Insurance Products (Umbrella, Business/Commercial, Life, Wedding, Jewelry, Pet, Health, and Medicare Solutions). The agency operates as an independent broker representing multiple insurance carriers including Acuity, Travelers, Liberty Mutual, Progressive, United, Wisconsin Mutual, Foremost, Safeco, Hanover, and others, offering personalized coverage options tailored to individual and business needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Vehicle coverage protecting drivers against accidents, theft, or damage, including liability, collision, and comprehensive options tailored to individual needs and budgets. Targeted at individual vehicle owners.
• Commercial Auto Insurance Coverage protecting business vehicles and fleets from accidents, damages, and liability exposure, tailored for companies with single or multiple company cars. Targeted at small and medium businesses.
• Classic/Collector Auto Insurance Specialized coverage for vintage vehicles, rare collectibles, and classic muscle cars, designed to preserve their value with tailored policies. Targeted at collectors and enthusiasts of classic automobiles.
• Recreational Vehicles Insurance Package of insurance products covering boats, ATVs, RVs, snowmobiles, golf carts, motorcycles, and electric bikes for recreational use. Targeted at owners of various recreational vehicles.
• Home Insurance Comprehensive protection for residential properties including coverage for fire, theft, natural disasters, and liability across multiple home types (primary, secondary, renters, condo, landlord, mobile home, park model). Targeted at homeowners, renters, condo owners, and landlords.
• Business/Commercial Insurance Comprehensive commercial coverage including liability, property, and workers' compensation tailored for startups and established enterprises. Targeted at small and medium businesses.
• Life Insurance Protection covering term, whole, and universal life policies to safeguard families from financial burdens including debt, mortgages, and education costs. Targeted at individuals and families seeking financial security.
• Umbrella Coverage Additional liability coverage providing extra protection beyond the limits of standard auto, home, or business insurance policies. Targeted at customers seeking excess liability protection.
• Wedding Insurance Specialized coverage protecting against unforeseen events that could impact wedding celebrations. Targeted at engaged couples planning weddings.
• Jewelry Insurance Coverage protecting valuable jewelry items against theft, damage, or loss. Targeted at owners of high-value jewelry.
• Pet Insurance Coverage for veterinary expenses and pet-related liabilities. Targeted at pet owners.
• Health Insurance Health coverage options for individuals and families. Targeted at individuals and households seeking health coverage.
• Medicare Solutions Specialized guidance and coverage options for Medicare beneficiaries, connecting clients with available plan options. Targeted at Medicare-eligible individuals.

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and minor.

• AcuitycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Acuity is a property and casualty insurer. Claims phone: 800-242-7666.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner represented by Clavette Insurance. Travelers is a leading property and casualty insurer. Claims phone: 800-252-4633.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. One of the larger property and casualty insurers in the US.
• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Major auto and home insurer. Claims phone: 800-274-4499.
• UnitedminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Listed on companies page with logo displayed.
• Wisconsin MutualcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner represented by Clavette Insurance. Wisconsin-based mutual insurance company. Claims phone: 800-831-0296.
• ForemostminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Specializes in specialty lines including mobile home and manufactured housing. Claims phone: 800-527-3907.
• SuretyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Specializes in surety bonds.
• HanoverminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. The Hanover Insurance Group is a property and casualty insurer. Claims phone: 844-806-4861.
• KemperminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Specialty property and casualty insurer. Claims phone: 800-327-1500.
• SafecocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Part of Liberty Mutual. Offers online account access for policyholders. Claims phone: 833-203-9786.
• SteadilyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Landlord insurance specialist.
• OpenlyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Property insurance provider.
• Jewelers MutualminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Specialty insurer for jewelry and precious items.
• NetworkHealthminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. Health insurance provider.
• AMIGminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Clavette Insurance. American International Group subsidiary.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• American Family Insurance: Wisconsin-headquartered mutual insurer with a large captive-agent distribution force across the Midwest. Highly comparable to Clavette in target market (Wisconsin/Milwaukee households and small businesses) and product mix (auto, home, life, business), but at vastly greater scale and with proprietary technology.
• Allstate: National personal-lines carrier with both captive and independent channels overlapping Clavette's auto, home, life, and small-commercial offerings. Particularly relevant given Clavette's local Milwaukee competitive set.
• AAA Wisconsin Insurance: Affinity-based insurance agency serving Wisconsin drivers and households through AAA club offices. Directly comparable product portfolio (auto, home, recreational vehicles) and overlap in Milwaukee-area consumer segment, with broader brand backing.
• State Farm: Largest U.S. personal-lines insurer with a captive-agent model that competes head-to-head with independent agencies like Clavette in Milwaukee for auto, home, and life customers. Comparable product set and customer base, though vastly larger scale and proprietary technology stack.

Emerging players

• Lemonade: Direct-to-consumer digital insurer targeting the same renter/home/pet customer segments as Clavette, but competing on a fundamentally different (app-based, AI-driven) model. Represents the structural DTC threat to traditional phone-driven independent agencies.

Others

• Acuity Insurance: Sheboygan, WI-based property and casualty carrier and one of Clavette's listed core carrier partners. Included as a peer because it is simultaneously a supplier and a competitive channel; Acuity writes direct and through other agents in the same Wisconsin footprint.
• Independent Insurance Agents of Wisconsin member agencies: Trade association representing dozens of Wisconsin independent agencies of similar size and multi-carrier model. Industry network that defines Clavette's competitive set and source of best-practice / carrier contracting access.

Regional players

• COUNTRY Financial: Midwest-based insurance and financial services provider using exclusive and multi-line agents in Illinois, Wisconsin, and surrounding states. Comparable in target geography (including Wisconsin) and personal/commercial/life product breadth, with a stronger financial-services overlay.
• Erie Insurance: Regional P&C carrier that distributes primarily through independent agents across the Midwest and Mid-Atlantic. Comparable to Clavette in going to market through local independent agencies and in personal/commercial lines emphasis, though Erie operates as a carrier rather than a broker.

Direct peers

• Lehman Insurance Agency (local WI independent): Small Wisconsin-based independent insurance agency representing multiple carriers and serving individuals and small businesses — directly comparable operating model, size tier, and product mix to Clavette Insurance.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/pages/Clavette-Insurance-Agency/347406590968?ref=br_tf
• LinkedInlinkedin.com/company/clavette-insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Clavette Insurance