Commercial Insurance Associates

What Commercial Insurance Associates does

Commercial Insurance Associates (CIA) is an independent commercial insurance agency founded in 2007 and headquartered in Landenberg, Pennsylvania. The firm operates as a multi-carrier broker, placing business for clients through A-rated carrier partners including Hartford, Liberty Mutual, Nationwide, and Travelers. Its product offering centers on commercial property and casualty lines and has been extended into specialty segments such as cyber liability and group benefits.

CIA runs a branch-led distribution model with ten physical offices across five states (Pennsylvania, Maryland, Delaware, Virginia, and Florida), serving small and mid-sized businesses across multiple industries. Recent office openings in Salisbury, Maryland (2023) and Ocean City, Maryland (May 2025), together with the broader entry into Virginia and Florida, indicate an active geographic build-out across the Mid-Atlantic and Southeast. The firm employs between 11 and 50 people and operates as a private, for-profit entity.

Revenue mechanics follow the standard independent agency model: CIA earns commissions and broker fees on policies placed with carrier partners, with producer-driven placement across multiple carriers providing pricing flexibility for clients. There is no disclosed proprietary technology platform, AI/ML capability, or third-party integration footprint; service delivery is grounded in licensed producers, account management, and local market relationships rather than a technology-led offering.

Name

Commercial Insurance Associates

Legal name

Commercial Insurance Associates, Inc.

Website

https://insurance-cia.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Commercial Insurance Associates is an independent multi-carrier insurance agency founded in 2007 and headquartered in Landenberg, PA, serving small and mid-sized businesses across five Mid-Atlantic and Southeast states through ten offices and A-rated carrier partnerships.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

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

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), Commercial Umbrella Insurance (FSAJANAB), Commercial Auto & Fleet Insurance (FSAJAKAB)

Keywords

• Commercial insurance brokerage
• Business insurance solutions
• Personal insurance lines
• Independent insurance agency
• Workers compensation coverage

Headquarters

HQ city

Landenberg

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Insurance Commission Revenue: As an independent insurance broker/agency, Commercial Insurance Associates earns commissions from insurance carriers for policies placed. They represent multiple A-rated insurance companies including Hartford, Liberty Mutual, Nationwide, and Travelers. Revenue is generated through commissions on new policy sales and renewal premiums.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Commercial Insurance Associates is a full-service independent insurance agency that brokers commercial and personal insurance coverage on behalf of clients. Acting as an intermediary, the agency places policies with multiple A-rated carriers (Hartford, Liberty Mutual, Nationwide, Travelers) and earns commissions on premiums, providing tailored coverage for businesses and individuals across the Mid-Atlantic and Florida markets.

Product overview

Commercial Insurance Associates is a full-service independent insurance agency offering a comprehensive portfolio of insurance products for both businesses and individuals. The company operates as a broker model, working with multiple insurance carriers to provide customized coverage solutions. Business insurance products include Commercial Property, Commercial Vehicle, General Liability, Professional Liability (E&O), Workers' Compensation, Cyber Liability, Commercial Umbrella, Surety Bonds, Group Benefits, and Business Owners Policies (BOP). Personal insurance offerings include Auto, Homeowners, Health, Life, Renters, and Flood insurance. The company also provides industry-specific insurance solutions for sectors including construction, hospitality, technology, manufacturing, professional services, retail, real estate, transportation, agriculture, and non-profits. Founded in 2007, the agency serves clients across Pennsylvania, Maryland, Delaware, Virginia, and Florida through multiple local offices.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Property Insurance Insurance coverage that protects businesses against financial loss from damage or destruction of physical assets including buildings, equipment, inventory, and other business necessities.
• Commercial Vehicle Insurance Coverage protecting business vehicles against accidents, theft, and road risks, including liability, collision, comprehensive, cargo insurance, and uninsured motorist protection.
• General Liability Insurance Coverage protecting businesses against claims of bodily injury, property damage, and personal injury arising from business operations, including legal defense costs.
• Group Benefits Employee benefit packages including group health insurance, group life insurance, group disability insurance, and group dental and vision coverage.
• Professional Liability Insurance Errors and omissions (E&O) insurance protecting professionals against claims of negligence, misrepresentation, or inadequate work, covering legal fees and settlements.
• Surety Bonds Bonding services including contract surety bonds (bid, performance, payment bonds) and commercial surety bonds (license, permit, and fiduciary bonds) for contractors.
• Business Owners Policy (BOP) Bundled insurance package combining property insurance, business interruption insurance, and liability protection designed for small to mid-sized businesses.
• Commercial Umbrella Insurance Extra liability coverage that kicks in when primary policy limits are exhausted, covering medical bills, attorney fees, and damages from lawsuits.
• Workers' Compensation Insurance Coverage providing fixed monetary awards to employees injured on the job, covering medical care, rehabilitation, and lost income regardless of fault.
• Landlords' Insurance Coverage protecting property owners from financial losses related to rental properties, covering the building and landlord-owned contents against standard perils.
• Cyber Liability Insurance Specialized coverage protecting businesses from internet-based risks including data breaches, cyber-attacks, network failures, and associated legal and regulatory expenses.
• Auto Insurance Vehicle coverage providing property, liability, and medical protection for accidents, theft, or damage, including personal auto and commercial auto options.
• Homeowners Insurance Package policy covering damage to property and liability for injuries or property damage caused by the policyholder or family members.
• Health Insurance Coverage providing payment of benefits for sickness or injury, including various plan types such as HMOs, EPOs, PPOs, POS, HDHPs, and catastrophic plans.
• Life Insurance Policies paying a sum upon the insured's death, including term life, whole life, universal life, and variable universal life insurance options.
• Renters Insurance Policy protecting tenants from losses to personal belongings, providing liability coverage and additional living expenses if rental becomes uninhabitable.
• Flood Insurance Coverage against property loss from flooding, covering repair or replacement costs and additional living expenses for homes and businesses in flood-prone areas.

Named customers4 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• HartfordcoreChannel Partner/ Reseller/ DistributorMajor A-rated insurance carrier represented by the agency for commercial and personal insurance products.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorA-rated insurance carrier providing coverage options for agency clients across multiple insurance lines.
• NationwidecoreChannel Partner/ Reseller/ DistributorNational insurance carrier represented by the agency for various commercial and personal insurance products.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor A-rated insurance carrier providing commercial and personal coverage options through the agency.

Scale indicators3 records

Recent moves1 record

Expansion highlights4 records

Broad incumbents

• Brown & Brown: Large publicly-traded insurance brokerage with significant Mid-Atlantic and national presence; competes for the same commercial lines accounts as CIA but offers broader specialty, risk management, and claims capabilities through scale.
• Hub International: North American insurance brokerage built largely through roll-ups of regional agencies; directly comparable mid-market commercial and personal lines brokerage model, though at substantially greater scale and with private equity backing.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with strong Mid-Atlantic operations; targets similar mid-market commercial accounts as CIA but also serves large national and international clients, offering broader product and analytics capabilities.
• Acrisure: Fast-growing insurance brokerage roll-up with extensive Mid-Atlantic footprint; competes head-to-head with CIA on small-to-mid commercial accounts while offering expanded specialty, cyber, and wealth management services.

Direct peers

• Hilb Group: Mid-Atlantic-based insurance brokerage built through acquisition of regional agencies; very close comparable in size, geography, and product mix to CIA, providing a likely consolidation path or direct competitor for the same producer and SMB talent pool.
• Hauser Insurance Group: Mid-Atlantic-based independent insurance agency offering commercial and personal lines through multiple carrier partners; directly comparable in geography, size, and product portfolio to CIA.
• Burns & Wilcox: Specialty wholesale brokerage and managing general agent; comparable in serving independent agents and brokers with specialty commercial lines including property, casualty, and excess/surplus — overlapping with CIA's commercial product set for hard-to-place risks.
• World Insurance Associates: PE-backed insurance brokerage with rapid East Coast expansion through acquisitions of regional agencies; comparable product set and SMB-mid-market focus, and a likely buyer or competitor for the same producer base and book of business.
• RPS Insurance Brokerage (Risk Placement Services): Specialty wholesale broker serving retail agents like CIA with excess and surplus lines placements; represents a complementary rather than directly competitive relationship but addresses the same mid-market commercial buyer.
• INSURICA Insurance Network: Independent agency network with multi-state operations focused on commercial lines for SMB clients; closely mirrors CIA's mid-market commercial orientation and agency-based distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/commercialinsuranceassociates
• LinkedInlinkedin.com/company/commercial-insurance-associates_2

Revenue estimate

Valuation estimate

Number of profiles

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 Commercial Insurance Associates