Metro-Boston Insurance Agency

What Metro-Boston Insurance Agency does

Metro-Boston Insurance Agency is an independent insurance agency headquartered in Chelsea, Massachusetts, founded in 1989 and operating for more than 35 years. It sells personal lines (auto, home, umbrella, recreational/collector, classic auto) and commercial lines (business owners, workers' compensation, commercial auto, general liability, professional liability, surety bonds) through appointments with multiple national and specialty carriers including Travelers, Geico, Progressive, Chubb, Foremost, and Hagerty. The firm also offers employee benefits and serves specialty commercial verticals such as restaurants, contractors, habitational, hospitality, technology, manufacturing, and trucking, with licensure spanning Massachusetts, New Hampshire, Rhode Island, and Texas.

The agency operates a service-led model in which each client is assigned a dedicated account manager and supported by an in-house team, alongside self-service digital touchpoints such as online quote forms, contact forms, and a client portal entry point. Its delivery channel is multi-carrier brokerage rather than direct carrier representation or wholesale brokerage, and there is no indication of proprietary technology beyond standard agency management and web platforms.

Revenue is generated on a commission basis from carriers on both new and renewal business across personal and commercial policies. The book of 4,000+ clients is served by an 11-50 employee team, with go-to-market focused on local Boston-area relationships, affinity/referral channels, and digital quote intake rather than large-enterprise direct sales. With roughly 25 staff and a commission-only revenue model tied to carrier compensation schedules, the implied revenue base sits in the low-to-mid single-digit-millions range, though no figures are disclosed.

Name

Metro-Boston Insurance Agency

Legal name

Metro Boston Insurance Agency

Website

https://metrobostoninsurance.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Metro-Boston Insurance Agency is an independent insurance agency in Chelsea, MA, selling personal and commercial insurance through multiple national and specialty carriers to 4,000+ clients across MA, NH, RI, and TX.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

Commercial Property Insurance (FSAJACAE), Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance broker
• Multiple carrier agency
• Massachusetts insurance services

Headquarters

HQ city

Chelsea

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: The agency earns commissions from insurance carriers for policies placed. As an independent agency with contracts with multiple leading insurance companies, they receive commissions when customers purchase and renew insurance policies through their agency.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Metro-Boston Insurance Agency is an independent insurance agency that places personal and commercial insurance policies on behalf of clients through contracts with more than twenty leading insurance carriers. The agency sells a broad portfolio of coverage lines—personal (auto, home, flood, condo, landlord, mobile home, motorcycle, earthquake, umbrella) and commercial (BOP, general liability, commercial auto, workers compensation, commercial property, and numerous specialty lines)—and also provides Massachusetts RMV Registry services for vehicle registrations and plates.

Product overview

Metro-Boston Insurance Agency is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through multiple carrier partnerships. Personal lines include auto, homeowners, condo, flood, landlord, manufactured home, motorcycle, earthquake, and umbrella insurance. Commercial lines encompass Business Owners Policies (BOP), general liability, commercial auto, workers compensation, commercial property, umbrella, and specialized coverages for industries including contractors, restaurants, retail, trucking, non-profits, and apartments. The agency operates as a Trusted Choice® member with access to multiple insurance carriers to provide competitive pricing and product variety.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for automobiles including liability, collision, and comprehensive protection for vehicles, offered to Massachusetts individuals and families through multiple carrier partners.
• Homeowners Insurance Protection for residential properties including the structure and personal possessions against damage, loss, and liability for Massachusetts homeowners.
• Condo Insurance Coverage specifically designed for condominium owners to protect their unit and personal belongings.
• Flood Insurance Coverage for damage caused by flooding, available through NFIP and alternative private markets including Lloyd's and Wright Flood.
• Landlord Insurance Protection for property owners who rent their homes to tenants against property damage and liability.
• Manufactured / Mobile Home Insurance Specialized coverage for manufactured and mobile homes through specialty carriers American Modern and Foremost.
• Motorcycle Insurance Coverage for motorcycles including liability and physical damage protection, offered through Markel and other carrier partners.
• Earthquake Insurance Separate coverage for earthquake damage not included in standard homeowners policies.
• Personal Umbrella Insurance Additional liability coverage that extends beyond standard policy limits for personal lines.
• Business Owners Policy (BOP) Package policy combining property and liability coverage designed for small to medium-sized businesses.
• General Liability Insurance Coverage protecting businesses against claims for bodily injury, property damage, and personal injury.
• Commercial Auto Insurance Coverage for business vehicles including company cars, trucks, and fleets.
• Workers Compensation Insurance Coverage required by law protecting employees for workplace injuries and providing medical benefits and wage replacement.
• Commercial Property Insurance Protection for commercial buildings, equipment, inventory, and business assets against physical loss or damage.
• Commercial Umbrella Insurance Excess liability coverage extending limits beyond underlying commercial policies.
• Apartment Building Owners Insurance Specialized coverage for owners of multi-family residential properties.
• Auto Body Shops Insurance Coverage tailored for automotive repair shops including liability and property protection.
• Auto Dealers Insurance Comprehensive coverage for automotive dealerships including dealer bonds and inventory.
• Bonds Surety bonds for contractors, court bonds, and license permits.
• Builders Risk Insurance Coverage for buildings under construction or renovation against physical loss.
• Church Insurance Coverage for houses of worship including liability, property, and special coverages.
• Contractors Insurance Coverage for construction professionals including liability, tools, and equipment.
• Group Health Insurance Health coverage options for employers to provide to their employees.
• Inland Marine Insurance Coverage for goods in transit over land including contractor's equipment and installation floaters.
• Non-Profit Insurance Coverage tailored for non-profit organizations including directors & officers liability.
• Oil / Gas Operators Insurance Specialized coverage for oil and gas industry operations.
• Outdoor Insurance Coverage for outdoor events, landscaping businesses, and recreation operations.
• Restaurant Insurance Coverage for restaurants including liquor liability, property, and business interruption.
• Retail Stores Insurance Coverage for retail establishments including inventory, equipment, and liability.
• Special Event Insurance Short-term coverage for one-time events including weddings and festivals.
• Truck & Trucking Insurance Coverage for trucking operations including primary liability, physical damage, motor truck cargo, and non-trucking liability.
• Woodworkers Insurance Coverage for woodworking businesses including cabinetmakers and carpenters.
• Massachusetts RMV Vehicle Registration and Plate Services Authorized Massachusetts Registry of Motor Vehicles agent service providing in-office vehicle registrations and plates for customers during business hours (Monday-Friday 9AM-5PM).

Quantifiable outcome

• Bundled savings available for multiple policies with same insurance company

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

25 partnerships are on record, tiered minor.

• Jewelers MutualminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering specialized jewelry insurance products. The agency offers this carrier as part of their multi-company network to provide competitive options for clients.
• GeicominorChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing auto and home insurance products through the agency network.
• TravelersminorChannel Partner/ Reseller/ DistributorLeading national insurance carrier offering comprehensive personal and commercial insurance products through independent agents.
• NationwideminorChannel Partner/ Reseller/ DistributorNational insurance carrier providing personal and commercial coverage options through the independent agency channel.
• ChubbminorChannel Partner/ Reseller/ DistributorPremium insurance carrier specializing in high-value personal insurance and commercial coverage for affluent clients.
• ProgressiveminorChannel Partner/ Reseller/ DistributorMajor auto insurance carrier with competitive rates offered through independent agents.
• HartfordminorChannel Partner/ Reseller/ DistributorEstablished insurance carrier offering business and personal insurance products through independent agents.
• ZurichminorChannel Partner/ Reseller/ DistributorGlobal insurance provider offering commercial and specialty insurance products through independent distribution.
• ArbellaminorChannel Partner/ Reseller/ DistributorRegional New England insurance carrier specializing in personal and commercial coverage for Massachusetts area clients.
• LloydsminorChannel Partner/ Reseller/ DistributorSpecialty insurance market offering alternative flood insurance products and hard-to-place coverage through select independent agents.
• Berkshire HathawayminorChannel Partner/ Reseller/ DistributorInsurance subsidiaries of Berkshire Hathaway offering comprehensive personal and commercial coverage through independent agents.
• EmployersminorChannel Partner/ Reseller/ DistributorWorkers compensation insurance specialist providing coverage solutions through independent agents.
• DonegalminorChannel Partner/ Reseller/ DistributorRegional carrier offering personal and commercial insurance in Mid-Atlantic and New England states.
• Concord Group InsuranceminorChannel Partner/ Reseller/ DistributorRegional New England insurance carrier providing personal auto and business coverage through independent agents.
• Mapfre InsuranceminorChannel Partner/ Reseller/ DistributorRegional carrier serving Massachusetts and New England markets with personal and commercial insurance products.
• Plymouth RockminorChannel Partner/ Reseller/ DistributorMassachusetts-based insurance carrier offering auto and home insurance with local claims service.
• Philadelphia InsuranceminorChannel Partner/ Reseller/ DistributorCommercial lines specialist offering business insurance products through independent agents.
• Safety InsuranceminorChannel Partner/ Reseller/ DistributorMassachusetts-based personal and commercial insurance carrier serving New England region.
• American ModernminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier offering manufactured home, condo, and specialty property coverage.
• ForemostminorChannel Partner/ Reseller/ DistributorSpecialty carrier offering manufactured home, mobile home, and specialty insurance products.
• HagertyminorChannel Partner/ Reseller/ DistributorClassic car and collector vehicle insurance specialist.
• MarkelminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier offering coverage for unique risks including motorcycle, RV, and specialty commercial lines.
• Wright FloodminorChannel Partner/ Reseller/ DistributorFlood insurance specialist providing NFIP and excess flood coverage through independent agents.
• StillwaterminorChannel Partner/ Reseller/ DistributorPersonal and small business insurance carrier offering property and casualty coverage.
• OpenlyminorChannel Partner/ Reseller/ DistributorModern insurance carrier offering homeowners and specialty coverage through independent agents.

Scale indicators3 records

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• Hub International: Large global insurance brokerage acquiring independent agencies across North America; directly comparable as a multi-carrier independent agency model scaled nationally, and a logical consolidator of an agency like Metro-Boston.
• GEICO: Major national direct-writing auto insurer and a partner carrier on Metro-Boston's roster; comparable as both a carrier relationship and a direct-to-consumer competitor shaping commission economics for independent agencies.
• Acrisure: Fast-growing brokerage consolidator with heavy personal and commercial lines focus; comparable as a multi-carrier independent agency platform and potential roll-up acquirer of regional Massachusetts agencies.
• Arthur J. Gallagher: Major insurance brokerage actively aggregating independent agencies; comparable as a multi-line personal and commercial broker operating through carrier appointments, and a probable acquirer profile for Metro-Boston.
• Amica Mutual Insurance: Direct-writing personal lines carrier (auto, home, umbrella) headquartered in Rhode Island and writing heavily in Massachusetts; comparable as a competing distribution channel for the same personal-line customers Metro-Boston serves, but on a direct (no-agent) basis.
• HUB International New England: Regional arm of a major brokerage aggregator operating across New England; comparable as a multi-carrier personal/commercial broker competing in the same geography as Metro-Boston with deeper carrier leverage.

Regional players

• Plymouth Rock Assurance: Massachusetts-based auto and home carrier; comparable both as a carrier partner on Metro-Boston's roster and as a direct competitor for the same Massachusetts personal auto and homeowners households.
• Arbella Insurance Group: Massachusetts-based regional carrier offering personal and commercial lines; comparable as a carrier partner and channel alternative to independent agencies like Metro-Boston, and a direct competitor for the same Massachusetts customers.
• Murphy Insurance Group: Massachusetts-based independent insurance agency serving personal and commercial clients; comparable as a same-state, same-model multi-carrier independent agency competing for similar Greater Boston households and SMBs.
• Cross Insurance: Large New England-based independent insurance agency offering personal and commercial lines through multiple carriers; directly comparable in geography and product mix to Metro-Boston, with similar carrier roster and SMB focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/MetroBostonIns
• Facebookfacebook.com/metrobostoninsurance
• LinkedInlinkedin.com/company/2682853

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 Metro-Boston Insurance Agency