Lockard Agency
Lockard Agency, Inc. is a privately-held independent insurance agency in Hughesville, Pennsylvania, distributing auto, home, commercial, farm, and flood insurance from ten carrier partners to individuals, small businesses, and farms in East Lycoming County.
- Company typePrivate
- Founded1989
- HeadquartersHughesville, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Lockard Agency does
Lockard Agency, Inc. is a privately-held independent insurance agency founded in 1989 and headquartered at 165 E. Water Street, Hughesville, Pennsylvania. The firm is the product of a merger between two predecessor agencies — the C. Rolland Insurance Agency (tracing back to 1963 when Rolland Lockard purchased the Roscoe Corson Agency) and an agency Charlie Lockard built from his 1979 purchase of the Barto Agency. The company operates a traditional independent insurance agency model with a small team of approximately three staff: Charlie Lockard (President), Laurie Stryker (Licensed Customer Service Agent), and Amanda Hinkal (agent).
Lockard Agency distributes five core insurance product lines — Auto, Home, Commercial, Farm, and Flood Insurance — sourced through ten carrier partnerships including Progressive, The Hartford, Travelers, Penn National, EMC Insurance, Foremost, AIC, Millville Mutual, Tuscarora Wayne, and American Modern. There is no proprietary technology platform; customer acquisition occurs through phone inquiries, walk-in office visits during limited business hours, and a website quote-request form. Revenue is generated exclusively through carrier commissions on policy premiums sold, with no subscription or fee-based components disclosed. The company does not have a mobile app, no disclosed API, and no integration partners.
The agency serves individual drivers, homeowners, small-to-mid-size businesses, and farm/agricultural operations within East Lycoming County, PA. No external investors, private equity backing, or parent company relationships are indicated. The firm operates with no disclosed subsidiaries, no funding rounds, no patents, no awards, and no certifications beyond standard insurance licensing.
Lockard Agency firmographics
Firmographics- Name
- Lockard Agency
- Legal name
- Lockard Agency, Inc.
- Website
- https://lockardinsurance.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Lockard Agency, Inc. is a privately-held independent insurance agency in Hughesville, Pennsylvania, distributing auto, home, commercial, farm, and flood insurance from ten carrier partners to individuals, small businesses, and farms in East Lycoming County.
- Ownership category
- akta.pro rank
Where Lockard Agency is headquartered
LocationHeadquarters
- HQ city
- Hughesville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Lockard Agency business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance Commission Revenue: As an independent insurance agency, Lockard Agency earns commissions by selling insurance policies from multiple carrier partners (Progressive, The Hartford, Travelers, Penn National, EMC Insurance, Foremost, AIC, Millville, Tuscarora Wayne). Revenue is generated through policy premiums paid by customers, with the agency receiving a percentage as commission. The agency has been operating since 1989.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Auto Insurance - quote-based pricing varies by vehicle, driver history, and coverage level |
| Other | Pay-as-you-go | Home Insurance - quote-based pricing varies by property and coverage needs |
| Other | Pay-as-you-go | Commercial Insurance - customized business coverage quotes |
| Other | Pay-as-you-go | Farm Insurance - specialized agricultural coverage quotes |
| Other | Pay-as-you-go | Flood Insurance - NFIP and private insurer policies available |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Lockard Agency product offering
Product offeringCore offering
Lockard Agency is an independent insurance agency that sells and services insurance policies on behalf of multiple carrier partners, including Progressive, The Hartford, Travelers, Penn National, EMC Insurance, Foremost, AIC, Millville, and Tuscarora Wayne. The agency offers personal lines (auto, homeowners, mobile home, flood) and commercial lines (general liability, property, workers compensation) plus specialized farm and agricultural coverage, acting as a consultant that shops multiple carriers for each client.
Product overview
Lockard Agency is an independent insurance agency that offers a portfolio of insurance products from multiple trusted carrier companies. Their core offerings include Auto Insurance, Commercial Insurance, Farm Insurance, Flood Insurance, and Home Insurance. As an independent agency, they work with multiple insurance carriers including Progressive, Travelers, Penn National, EMC Insurance, Tuscarora Wayne, Millville Mutual, The Hartford, Foremost Insurance Group, American Modern Insurance Group, and AIC to match clients with appropriate coverage.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance
Companies that use Lockard Agency
Customer profileSegments4 records
Ideal customer profiles2 records
Lockard Agency technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Lockard Agency partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- ProgressivecoreInsurance carrier partner. Lockard Agency sells Progressive auto and other insurance products. Progressive claims phone: 800-274-4499.
- The HartfordcoreInsurance carrier partner. Lockard Agency sells The Hartford insurance products. The Hartford claims phone: 800-243-5860.
- TravelerscoreInsurance carrier partner. Lockard Agency sells Travelers insurance products. Travelers claims phone: 800-252-4633.
- Penn National InsurancecoreRegional insurance carrier partner. Lockard Agency sells Penn National Insurance products. Penn National claims phone: 800-776-2245.
- EMC InsurancecoreInsurance carrier partner. Lockard Agency sells EMC Insurance products. EMC claims phone: 888-362-2255.
- Foremost Insurance GroupcoreInsurance carrier partner specializing in specialty products. Lockard Agency sells Foremost products. Foremost claims phone: 800-527-3907.
- Agency Insurance Company (AIC)coreInsurance carrier partner. Lockard Agency sells AIC products. AIC claims phone: 800-841-5241.
- Millville MutualcoreRegional mutual insurance carrier partner. Lockard Agency sells Millville Mutual products. Millville claims phone: 800-262-8495.
- Tuscarora WaynecoreRegional insurance carrier partner. Lockard Agency sells Tuscarora Wayne products. Tuscarora Wayne after-hours claims: 570-745-9545.
- American Modern Insurance GroupminorInsurance carrier partner. Lockard Agency sells American Modern products. American Modern claims phone: 800-375-2075.
Scale indicators3 records
Recent moves4 records
Expansion highlights1 record
Lockard Agency competitors and assessment
Company assessmentBroad incumbents
- Cincinnati Financial: Regional P&C insurer distributing exclusively through independent insurance agents across most US states. Comparable independent-agency distribution model with multi-line product offering similar to Lockard Agency's portfolio.
- Allstate: Major national P&C insurer with a captive agent model targeting the same household insurance customers as Lockard. Comparable local-market competition and product mix across auto, home, and life.
- Hanover Insurance Group: Regional P&C insurer distributing through independent agents across the US. Comparable independent-agent distribution model and similar product lines including commercial, personal, and specialty coverages.
- State Farm: Largest US P&C insurer operating through a captive agent model, directly competing for the same personal and small-commercial insurance customers Lockard serves through a different distribution structure. Comparable local presence via neighborhood agents.
Regional players
- Auto-Owners Insurance: Michigan-based regional P&C insurer distributing exclusively through independent agents across 26 states. Comparable independent-agency distribution model with similar multi-line product mix including personal, commercial, and farm coverage.
- Selective Insurance Group: New Jersey-based regional P&C insurer distributing through independent agents across the Northeast and Mid-Atlantic. Comparable distribution model and small-commercial / personal product offering.
- Donegal Group: Regional P&C insurance holding company headquartered in Marietta, Pennsylvania, distributing through independent agents across the Mid-Atlantic. Comparable regional carrier using the same independent agency distribution model that Lockard's core carrier partners operate.
- Erie Insurance Group: Regional P&C insurer headquartered in Erie, Pennsylvania that distributes primarily through independent agents across the Mid-Atlantic and Midwest. Highly comparable geographic footprint and independent-agent distribution model, though Erie is a carrier rather than an independent agency.
- Acuity Insurance: Midwest-based regional P&C insurer distributing through independent agents. Comparable independent-agency distribution model with similar multi-line product mix including farm and commercial coverage.
- Westfield Insurance: Ohio-based regional P&C insurer that distributes through independent agents across the Midwest and Mid-Atlantic. Comparable distribution model and multi-line product offering targeting small businesses and farms.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Lockard Agency financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lockard Agency leadership team
Management profileNumber of profiles
Profiles3 records
Lockard Agency funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lockard Agency 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 Lockard Agency
What does Lockard Agency do?
Lockard Agency is an independent insurance agency that sells and services insurance policies on behalf of multiple carrier partners, including Progressive, The Hartford, Travelers, Penn National, EMC Insurance, Foremost, AIC, Millville, and Tuscarora Wayne. The agency offers personal lines (auto, homeowners, mobile home, flood) and commercial lines (general liability, property, workers compensation) plus specialized farm and agricultural coverage, acting as a consultant that shops multiple carriers for each client.
Is Lockard Agency a public or private company?
Lockard Agency is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Lockard Agency founded?
Lockard Agency was founded in 1989. It employs 1 to 10 people.
Where is Lockard Agency based?
Lockard Agency is headquartered in Hughesville, United States, in the North America region.
How does Lockard Agency make money?
One revenue line is on record: insurance Commission Revenue.
Who are Lockard Agency's main competitors?
Broad incumbents on record are Cincinnati Financial, Allstate, Hanover Insurance Group and State Farm. Regional players are Auto-Owners Insurance, Selective Insurance Group, Donegal Group, Erie Insurance Group, Acuity Insurance and Westfield Insurance.
Does Lockard Agency have an API?
No public API is recorded for Lockard Agency.