Prospect Insurance Group
Prospect Insurance Group is a small independent insurance agency in Prospect, Kentucky, serving families and SMBs with personal, business, professional liability, and employee benefits coverage; effective February 1, 2026, it merged into Schwartz Insurance Group of Louisville.
- Company typePrivate
- Founded2012
- HeadquartersProspect, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Prospect Insurance Group does
Prospect Insurance Group is a privately held independent insurance agency founded in 2012 and headquartered in Prospect, Kentucky, serving families and businesses in the Prospect and Louisville markets. The agency is owner-operated by Kurt and Therese Zinser, with a stated headcount of 1–10, and delivers personal insurance (auto, home, life, Medicare and individual health), business insurance (property, liability, workers' compensation), professional liability (E&O, medical malpractice, AICPA pro liability), and employee benefits (medical, dental, vision, worksite, wellness). It also offers add-on modules such as cyber liability and restaurant and bar specialty coverage. As an independent broker, the agency represents multiple carriers rather than acting as a captive agent, positioning it to offer comparative quoting and personal advocacy on behalf of clients.
The business operates a direct-to-consumer go-to-market model, acquiring and serving clients via phone, email, online quote forms, and a content-led website built on the FMG Suite (Agency Revolution) platform. Revenue is generated primarily through insurance commissions on placed policies across carriers, with quote-based pricing that varies by individual risk profile and coverage requirements; no pricing is publicly disclosed and billing runs monthly. Marketing channels include a corporate website with quote forms, a Trusted Insights blog, financial calculators, and a disaster preparedness center, plus direct phone and email contact. The firm has no proprietary technology stack, no app presence, no disclosed APIs or integrations, and no AI/ML capabilities, relying instead on industry-standard agency management and marketing tools.
Effective February 1, 2026, Prospect Insurance Group merged into Schwartz Insurance Group, a Louisville-based independent agency operating since 1956. The Zinsers continue serving clients under the combined agency out of Schwartz's Louisville office at 2950 Breckenridge Lane, Suite 8A, gaining access to expanded carrier relationships, professional liability and employee benefits capabilities, and the UBA Advantage affiliation. As a result of the merger, Prospect Insurance Group no longer operates as an independent entity; its standalone economics, growth profile, and competitive position are absorbed into Schwartz's broader platform.
Prospect Insurance Group firmographics
Firmographics- Name
- Prospect Insurance Group
- Legal name
- Prospect Insurance Group
- Website
- https://prospectinsurancegroup.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Acquired
- Headcount range
- 1–10 employees
- Short description
- Prospect Insurance Group is a small independent insurance agency in Prospect, Kentucky, serving families and SMBs with personal, business, professional liability, and employee benefits coverage; effective February 1, 2026, it merged into Schwartz Insurance Group of Louisville.
- Ownership category
- akta.pro rank
Prospect Insurance Group industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
- akta.pro secondary industry
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
Keywords
Where Prospect Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Prospect
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Prospect Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Insurance Commissions: Independent insurance agency generating revenue through commissions from selling and servicing insurance policies across multiple carriers for personal, business, professional, and employee benefits lines.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal Insurance (Auto, Home, Life, Medicare) |
| Other | Monthly | Business Insurance (Property, Liability, Work Comp) |
| Other | Monthly | Professional Insurance (Liability, E&O, Med/Mal) |
| Other | Monthly | Employee Benefits (Medical, Dental, Vision, Worksite, Wellness) |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Prospect Insurance Group product offering
Product offeringCore offering
Prospect Insurance Group is an independent insurance brokerage that sells and services insurance policies across four product lines: personal insurance (auto, home, life, Medicare/individual health), business insurance (property, liability, workers comp), professional insurance (liability, errors & omissions, medical malpractice, AICPA professional liability), and employee benefits (medical, dental, vision, worksite, wellness). As an independent broker, the agency accesses multiple competing carriers to provide quote-based coverage, personal advocacy, and claims support to families and small/medium businesses in the Prospect and Louisville areas.
Product overview
Prospect Insurance Group operates as an independent insurance broker offering solutions with multiple competitive options. The company provides personal insurance (auto, home, life, Medicare), business insurance (property, liability, work comp), professional insurance (liability, E&O, med/mal), and employee benefits (medical, dental, vision, worksite, wellness). As an independent broker, the agency offers personal advocacy and greater negotiating power by representing multiple carriers to find competitive options for clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Personal lines coverage for families and individuals across auto, home, life, Medicare, and individual health needs, sourced from multiple carriers through the independent brokerage.
- Business Insurance Commercial coverage for businesses including property, liability, and workers compensation, placed across multiple carriers.
- Professional Liability (E&O and D&O) Professional liability coverage including errors and omissions (E&O) and directors and officers (D&O) for professionals and practices.
- Employee Benefits Group employee benefits packages including medical, dental, vision, worksite, and wellness coverage for employers and individuals.
- Cyber Protection Cyber liability insurance coverage for businesses to protect against digital threats and data breaches.
- AICPA Professional Liability Professional liability coverage designed specifically for CPAs and accounting professionals under the AICPA program.
- Medical Malpractice Insurance Professional liability coverage for medical practitioners against malpractice claims.
- Life, Disability, and Long-Term Care Insurance Life insurance, disability insurance, and long-term care coverage for individuals.
- Senior and Individual Health Insurance Health coverage options for seniors including Medicare and individual health plans.
- Restaurant and Bars Insurance Specialized insurance coverage tailored for restaurants and bars.
Companies that use Prospect Insurance Group
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Prospect Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Prospect Insurance Group partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Schwartz Insurance GroupflagshipProspect Insurance Group, led by Kurt and Therese Zinser, has joined Schwartz Insurance Group effective February 1, 2026. The merger combines Prospect's established client relationships in Prospect and Louisville with Schwartz's broader platform, expanding service offerings to include professional liability (E&O, med/mal) and employee benefits (medical, dental, vision, worksite, wellness). Kurt Zinser commented this was the right time to secure their future after many years of dedicated service, choosing to partner with Matt and Scott Schwartz based on common strengths and values.
Scale indicators1 record
Recent moves4 records
Expansion highlights4 records
Prospect Insurance Group competitors and assessment
Company assessmentEmerging players
- The Hilb Group: Mid-Atlantic-based insurance brokerage aggregator that consolidates small-to-mid independent agencies across P&C, benefits, and personal lines. Comparable as an independent-brokerage consolidator model relevant to Prospect's recent merger and potential future roll-ups.
- RPS Insurance Brokerage: Specialty wholesale insurance brokerage focused on professional lines (E&O, medical malpractice, cyber) - directly overlaps with Prospect's professional liability and cyber specialty product offerings.
- Keystone Agency Partners: Insurance agency aggregator backed by Bain Capital that acquires and operates independent insurance agencies across the U.S. Comparable as a roll-up vehicle in the same independent-brokerage segment.
Broad incumbents
- Brown & Brown Insurance: One of the largest U.S. insurance brokerages (NYSE: BRO) operating across commercial P&C, employee benefits, personal lines, and specialty programs. Overlaps directly with every product category Prospect/Schwartz distributes, but at vastly larger scale.
- Acrisure: Tech-enabled, top-five global insurance brokerage operating across personal, commercial, benefits, and specialty lines. Comparable broad product portfolio but with proprietary technology infrastructure and global reach that exceeds the Kentucky agency.
Direct peers
- Heffernan Insurance Brokers: California-based independent insurance brokerage serving businesses and individuals across personal, commercial, professional liability, and employee benefits lines. Similar independent broker model with multi-carrier access and personal-advocacy positioning.
- Schwartz Insurance Group: The parent platform that absorbed Prospect Insurance Group on Feb 1, 2026. Schwartz is a Louisville, KY-based independent insurance agency offering the same multi-line mix (personal, commercial, professional, employee benefits) since 1956, making it the most directly comparable peer.
Regional players
- Starkweather & Shepley Insurance: Long-standing independent insurance agency serving Rhode Island and surrounding New England with personal, commercial, and employee benefits lines. Comparable as a legacy independent agency with similar multi-line strategy and personal-advocacy positioning.
- Insurica Insurance Management Networks: Oklahoma-based independent agency network offering personal, commercial, and benefits coverages across multiple states. Comparable as a multi-line independent brokerage with comparable GTM (online quote forms + direct consultation).
- Houchens Insurance Group: Kentucky-headquartered independent insurance agency (part of Houchens Industries) offering personal, commercial, and employee benefits lines across multiple states. Comparable as a multi-line independent agency in the same geographic region.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Prospect Insurance Group social profiles
Digital presenceProspect Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Prospect Insurance Group leadership team
Management profileNumber of profiles
Profiles2 records
Prospect Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Prospect 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 Prospect Insurance Group
What does Prospect Insurance Group do?
Prospect Insurance Group is an independent insurance brokerage that sells and services insurance policies across four product lines: personal insurance (auto, home, life, Medicare/individual health), business insurance (property, liability, workers comp), professional insurance (liability, errors & omissions, medical malpractice, AICPA professional liability), and employee benefits (medical, dental, vision, worksite, wellness). As an independent broker, the agency accesses multiple competing carriers to provide quote-based coverage, personal advocacy, and claims support to families and small/medium businesses in the Prospect and Louisville areas.
Is Prospect Insurance Group a public or private company?
Prospect Insurance Group is a private company. It is classified as corporate owned and is currently acquired.
When was Prospect Insurance Group founded?
Prospect Insurance Group was founded in 2012. It employs 1 to 10 people.
Where is Prospect Insurance Group based?
Prospect Insurance Group is headquartered in Prospect, United States, in the North America region.
How does Prospect Insurance Group make money?
One revenue line is on record: insurance Commissions.
Who are Prospect Insurance Group's main competitors?
Emerging players on record are The Hilb Group, RPS Insurance Brokerage and Keystone Agency Partners. Broad incumbents are Brown & Brown Insurance and Acrisure. Direct peers are Heffernan Insurance Brokers and Schwartz Insurance Group. Regional players are Starkweather & Shepley Insurance, Insurica Insurance Management Networks and Houchens Insurance Group.
Does Prospect Insurance Group have an API?
No public API is recorded for Prospect Insurance Group.
What industry is Prospect Insurance Group in?
Prospect Insurance Group's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs), with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524210 and its SIC code is 6411.