Insurance Services United

What Insurance Services United does

Insurance Services United (ISU) is a privately held, full-service independent insurance agency headquartered at 123 East Market Street in York, Pennsylvania, serving more than 7,000 individuals, families, and small-to-medium businesses across south central Pennsylvania. The firm distributes both personal lines (auto, home/renters, life, individual health, Medicare) and commercial lines (property and general liability, commercial auto, workers' compensation, group life and disability, group health, plus specialty programs for farms and bed & breakfasts). All products are sourced through carrier appointments with fourteen national and regional insurers (Selective, Westfield, Nationwide, ASI, Foremost, Progressive, Mutual Benefits Group, MMG, Travelers, Brethren Mutual, Penn National, Donegal, Reamstown Mutual, and ECM), and the agency differentiates through live-voice phone answering, free consultations, and proactive biennial-to-triennial policy reviews.

The company was established in 2017 by Principal-Owner Tad Shirey and grew through book-of-business acquisitions, formally welcoming Jay H. Lutz & Co. customers in October 2019 and Millison Insurance Agency customers in December 2019, which underpins the agency's marketed "over 60 years" of combined experience. The technology stack is conventional for an independent agency: a WordPress-based website with detailed product landing pages, email routing ([email protected]), carrier connectivity for quoting and policy management, and individual staff contact channels. There are no proprietary SaaS platforms, AI/ML components, mobile apps, or developer-facing APIs; the Bed & Breakfast Max endorsement and Farm Insurance program are domain-specialized coverage designs assembled from carrier BOPs and endorsements rather than internally built technology.

ISU's economic model is standard independent agency commission-based revenue earned from carrier partners on both new and renewal business, with monthly premium billing that flows through the agency. The firm is owner-operated, privately held, with 18 listed team members handling account management, benefits coordination, risk management, and commercial lines. The customer base is highly fragmented across personal and small-commercial segments, with two clearly identified cohorts inherited via acquisition. Geographic concentration is total: a single York, PA office serving south central Pennsylvania, with no evidence of out-of-state expansion, additional offices, or institutional capital involvement.

Name

Insurance Services United

Legal name

Insurance Services United

Website

https://insuranceservicesunited.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Insurance Services United is a privately held independent insurance agency in York, Pennsylvania, distributing personal, commercial, farm, and bed & breakfast coverage to over 7,000 individuals and small-to-medium businesses in south central Pennsylvania through appointments with fourteen national and regional carriers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal insurance lines
• Farm insurance coverage
• Group benefits consulting

Headquarters

HQ city

York

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

Revenue model

1. Insurance Agency Commissions: Traditional insurance agency model earning commissions from insurance carriers. ISU represents multiple insurance companies (Selective, Westfield, Nationwide, ASI, Foremost, Progressive, Mutual Benefits Group, MMG, Travelers, Brethren Mutual, Penn National, Donegal, Reamstown Mutual, ECM) and receives commissions when selling and servicing their insurance products to customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

Insurance Services United is an independent full-service insurance agency based in York, Pennsylvania that represents 14 insurance carriers to place personal and commercial insurance coverage for individuals, families, and businesses across south central Pennsylvania. The agency sells personal lines (home, auto, life, health, Medicare) and commercial lines (property, general liability, workers' compensation, group benefits, commercial auto) and operates specialized niche products including a Bed & Breakfast Max endorsement and farm insurance.

Product overview

Insurance Services United is a full-service independent insurance agency providing personal and business insurance solutions. The company operates as a single unified service offering rather than a platform architecture, with products organized into two main categories: Individual Insurance (Auto, Home/Renters, Life, Health, Medicare) and Business Insurance (Property & General Liability, Commercial Auto, Workers' Compensation, Group Life & Disability, Group Health, Bed & Breakfast, Farm Insurance). The company offers specialized products like Bed & Breakfast Max endorsement for hospitality businesses and comprehensive Farm Insurance for agricultural operations ranging from small hobby farms to large multi-state agri-businesses. All products are distributed through partnerships with multiple national and regional insurance carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Insurance
• Personal Auto Insurance
• Home & Rental Insurance
• Individual Life Insurance
• Individual Health Insurance
• Commercial Property & General Liability Insurance
• Commercial Auto Insurance
• Workers' Compensation Insurance
• Group Life & Disability Insurance
• Group Health Insurance
• Bed & Breakfast Insurance with B&B Max Endorsement
• Farm Insurance

Quantifiable outcome

• Serving over 7,000 individuals, families and businesses
• +1 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

14 partnerships are on record, tiered core and minor.

• Selective InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner representing and offering risk management markets for various insurance products sold through ISU.
• Westfield InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing property and casualty insurance products through ISU agency.
• Nationwide InsurancecoreChannel Partner/ Reseller/ DistributorNational insurance carrier partner offering auto, home, and business insurance products through ISU.
• ASI Insurance (American Strategic Insurance)coreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal insurance products through ISU.
• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in specialty insurance products including mobile homes and niche markets.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and commercial insurance products through ISU.
• Mutual Benefits GroupminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering various insurance products through the ISU agency.
• MMG InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing insurance products through ISU.
• Travelers InsurancecoreChannel Partner/ Reseller/ DistributorLarge national insurance carrier partner offering comprehensive property and casualty products through ISU.
• Brethren Mutual InsurancecoreChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier partner serving Pennsylvania market through ISU.
• Penn National InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier based in Pennsylvania offering property and casualty products through ISU.
• Donegal InsurancecoreChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier partner offering personal and commercial insurance through ISU.
• Reamstown Mutual InsuranceminorChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier partner serving local Pennsylvania market through ISU.
• ECM Insurance GroupminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing various insurance products through ISU.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Leavitt Group: Network of independent insurance agencies across the western and central US offering personal, commercial, and specialty lines through multi-carrier appointments. Equivalent agency-network structure with commission-based revenue.
• World Insurance Associates: Acquisition-driven insurance agency brokerage operating across personal and commercial lines throughout the US. Shares the multi-carrier, multi-line independent agency model and grew primarily through acquisitions of smaller agencies like ISU.
• Hilb Group: National acquisition-focused insurance brokerage that buys and operates independent agencies like ISU. Highly comparable business model - multi-line personal and commercial agency, commission-based, with growth via roll-up of small regional agencies.
• Keystone Agency Partners: Private-equity-backed acquirer of independent insurance agencies with a focus on the Mid-Atlantic and Southeast. Closely mirrors ISU's own acquisition growth strategy (Lutz, Millison) but at meaningfully larger scale.
• Glatfelter Insurance Group: York, PA-headquartered independent insurance agency offering personal and commercial lines across Pennsylvania and the Mid-Atlantic. Direct geographic and product overlap with Insurance Services United, operating in the same local market with comparable multi-carrier agency model.

Broad incumbents

• Acrisure: Mega-brokerage built almost entirely through acquisition of independent agencies like ISU. The most relevant comparable for the long-term trajectory of an acquisition-driven agency roll-up strategy.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm competing across personal, commercial, and benefits lines. Overlaps with ISU on commercial P&C, group benefits, and risk advisory services, though at enterprise scale.
• Brown & Brown Insurance: Large national insurance brokerage offering the full spectrum of personal, commercial, and employee benefits products. Operates the same intermediary/commission model as ISU but at vastly larger scale and public-company scope.
• USI Insurance Services: Large US insurance brokerage delivering property and casualty, employee benefits, and personal lines through agency and consulting models. Competes directly with ISU for mid-market commercial and group benefits accounts in the Mid-Atlantic.

Regional players

• Cross Insurance: Northeast US regional independent insurance agency brokerage serving individuals and businesses. Same multi-line personal and commercial product mix with carrier-appointed agency economics, though operating across New England rather than Pennsylvania.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/insuranceservicesunited
• LinkedInlinkedin.com/company/insurance-services-united

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 Insurance Services United