Local Choice Insurance
Local Choice Insurance is an independent insurance agency in Louisville, KY that sells personal, business, life, and senior-care insurance across 12 states by placing policies with 20+ carrier partners on a commission basis.
- Company typePrivate
- Founded2017
- HeadquartersLouisville, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Local Choice Insurance does
Local Choice Insurance is an independent, multi-line insurance agency headquartered in Louisville, Kentucky, founded in 2017 and operating as a privately held LLC owned by Bill Schumann. The agency distributes personal, business, life, and senior-care insurance products on behalf of more than 20 carrier partners, including Progressive, Travelers, Nationwide, MetLife, The Hartford, Encompass, Safeco, Grange, State Auto, Secura, and Liberty Mutual, among others. Its service footprint spans 12 states (Kentucky, Indiana, Ohio, Tennessee, Michigan, Alabama, Oklahoma, Illinois, North Carolina, Pennsylvania, Texas, and Florida), with a primary office at 13117 Eastpoint Park Blvd. Ste. D, Louisville.
The agency serves two primary customer segments: individuals and families seeking personal auto, home, renters, condo, classic auto, motorcycle, recreational vehicle, umbrella, flood, and life coverage, and small business owners needing commercial property, liability, auto, umbrella, and workers compensation packages. Pricing is quote-based and not publicly disclosed; the revenue model is transaction-fee commission earned on policies placed with carrier partners. Customer-facing technology is limited to a Glovebox-embedded customer portal (agencyId 2011) and standard website quote request forms, with phone (502.907.2399) and in-person consultations as the primary sales channels.
The team comprises roughly 11 members, including agency Agents, Account Managers, a Director of Operations (Victor Langenderfer), a Commercial Lines Manager (Lisa Callahan), and a Personal Lines Manager (Erica Reiter). The agency holds BBB accreditation, has received the 2017 New Partner Agency of the Year and 2018 Pinnacle Agency awards from carrier partners, and maintains memberships in regional chambers (Hardin County, Jeffersontown) and industry associations including the Kentucky Restaurant Association, Building Industry Association of Louisville, National Association of Home Builders, and Kentucky Retail Federation.
Local Choice Insurance firmographics
Firmographics- Name
- Local Choice Insurance
- Legal name
- Local Choice Insurance, LLC
- Website
- https://localchoiceinsurance.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Local Choice Insurance is an independent insurance agency in Louisville, KY that sells personal, business, life, and senior-care insurance across 12 states by placing policies with 20+ carrier partners on a commission basis.
- Ownership category
- akta.pro rank
Local Choice Insurance industry classification
Industry- Product category
- Independent Insurance Agency
- 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
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
Keywords
Where Local Choice Insurance is headquartered
LocationHeadquarters
- HQ city
- Louisville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Local Choice Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Policy Commissions: Local Choice Insurance operates as an independent insurance agency earning commissions from insurance carriers for policies placed. They represent multiple top-rated insurance companies and receive compensation when customers purchase insurance products through their agency.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal Insurance - customized coverage for individuals and families |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Local Choice Insurance product offering
Product offeringCore offering
Local Choice Insurance is an independent, multi-line insurance agency that places personal, business, life, and senior care insurance policies on behalf of customers by representing 20+ top-rated insurance carriers. The agency earns commissions from carriers when policies are sold, offering customized coverage across home, auto, life, commercial property, commercial liability, workers compensation, recreational vehicles, flood, umbrella, and health insurance for retirees. Services are delivered through direct agency sales via phone, in-person consultations at their Louisville, KY office, and website quote requests, with policy servicing supported by a Gloveboxapp customer portal.
Product overview
Local Choice Insurance is an independent, multi-line insurance agency providing comprehensive insurance products for individuals, families, and businesses. The company operates as a single unified service offering that connects customers with multiple top-rated insurance carriers. Their core products include Personal Insurance (covering home, auto, life, and specialty coverage such as classic auto, motorcycle, flood, and umbrella), Business Insurance (covering commercial property, liability, auto, umbrella, and workers compensation), and Senior Care Insurance. As an independent agency, they customize insurance plans based on individual customer needs and represent multiple carrier partners to offer competitive rates.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Personal Insurance provides protection for individuals and families across various life stages, covering homeowners, condo, renters, auto, classic auto, motorcycle, recreational vehicle, umbrella, and flood coverage through Local Choice Insurance's network of 20+ top-rated carriers.
- Business Insurance Business Insurance provides comprehensive coverage for businesses and organizations, including business insurance, commercial property, commercial liability, commercial auto, commercial umbrella, and workers compensation insurance, with customized insurance packages tailored to specific business needs.
- Life Insurance Life Insurance is designed to protect the lifestyle and future of customers' families, easing the financial burden when a loved one passes away, with policies unique to individual and family needs.
- Senior Care Insurance Senior Care Insurance provides health insurance coverage for individuals who need coverage primarily in their retirement age, offering a wide array of carriers and programs (including Humana, Aetna, Anthem, UHC, Cigna, and others) to meet each senior's unique needs.
Companies that use Local Choice Insurance
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Local Choice Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Local Choice Insurance partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Encompass InsurancecoreInsurance carrier represented by Local Choice Insurance. Provides personal and commercial insurance products. Claims: 800-588-7400, Customer Service: 866-430-2916.
- Grange InsurancecoreInsurance carrier represented by Local Choice Insurance. Provides personal and commercial insurance products. Claims: 800-445-3030, Customer Service: 800-425-1100.
- MetLifecoreInsurance carrier represented by Local Choice Insurance. Global insurance provider. Claims: 800-854-6011, Customer Service: 800-680-3354.
- NationwidecoreInsurance carrier represented by Local Choice Insurance. Provides personal and commercial coverage. Claims: 800-421-3535, Customer Service: 877-669-6877.
- ProgressivecoreInsurance carrier represented by Local Choice Insurance. Major auto and personal insurance provider. Claims: 800-776-4737.
- Safeco InsurancecoreInsurance carrier represented by Local Choice Insurance. Part of Liberty Mutual. Claims: 800-332-3226.
- Secura InsurancecoreInsurance carrier represented by Local Choice Insurance. Regional carrier offering personal and commercial coverage. Claims: 800-318-2136.
- State AutocoreInsurance carrier represented by Local Choice Insurance. Regional insurance provider. Claims: 800-766-1853.
- The HartfordcoreInsurance carrier represented by Local Choice Insurance. Major commercial and personal insurance provider. Claims: 800-243-5860.
- TravelerscoreInsurance carrier represented by Local Choice Insurance. Major commercial and personal insurance carrier. Claims: 800-252-4633.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Local Choice Insurance competitors and assessment
Company assessmentBroad incumbents
- Allstate: Large national P&C carrier operating both captive and independent-agent channels. Direct competitor in personal lines; represents the kind of entrenched incumbent Local Choice differentiates against via multi-carrier comparison.
- State Farm: Largest U.S. personal lines insurer, predominantly through captive agents. State Farm represents the dominant incumbent competitor against which Local Choice competes on the basis of multi-carrier choice and independent advice.
- Liberty Mutual: Large national P&C carrier that owns Safeco — one of Local Choice's carrier partners. Liberty Mutual illustrates both a key partnership counterparty and the broader competitive backdrop of national carriers operating alongside independent agencies.
Regional players
- Shelter Insurance: Midwest/South regional carrier with a strong captive and independent agent presence across Kentucky, Tennessee, Indiana and surrounding states. Directly comparable to Local Choice's geographic service area and personal/commercial lines focus.
- Auto-Owners Insurance: Midwest/Southeast-focused P&C carrier selling exclusively through independent agents. Comparable in agency-channel reliance, regional geography overlap with Local Choice, and commission-based distribution to small-business and personal lines.
- SECURA Insurance: Regional Midwest P&C carrier that is itself a partner of Local Choice. SECURA's independent-agent distribution model, product mix (personal + commercial), and geographic concentration in the Midwest closely mirror the agency-side model Local Choice operates.
- Frankenmuth Insurance: Midwest-based mutual P&C carrier distributed through independent agents. Comparable to Local Choice in agency-channel distribution and personal/commercial lines offering across overlapping Midwestern states.
- Erie Insurance: Regional P&C carrier with a strong captive and independent agent network concentrated in the Midwest, Mid-Atlantic, and Southeast — overlapping directly with Local Choice's core Kentucky/Indiana/Ohio/Pennsylvania service territory and agency-channel model.
Direct peers
- Goosehead Insurance: Public multi-carrier independent insurance agency franchise that places personal lines (home, auto) across multiple carriers. Goosehead is the most direct peer to Local Choice's model — multi-carrier brokerage, sales-led growth, commission-based revenue — at vastly larger scale.
- Brightway Insurance: Franchise-based multi-carrier independent insurance agency. Brightway shares Local Choice's independent-agent, multi-carrier distribution model and product breadth (personal, commercial, life) — directly comparable in go-to-market even if executed through franchising.
Market position
Strengths5 records
Weaknesses1 record
Competitive moat3 records
Key risks5 records
Key highlights7 records
Customer concentration
Local Choice Insurance social profiles
Digital presenceLocal Choice Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Local Choice Insurance leadership team
Management profileNumber of profiles
Profiles11 records
Local Choice Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Local Choice Insurance 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 Local Choice Insurance
What does Local Choice Insurance do?
Local Choice Insurance is an independent, multi-line insurance agency that places personal, business, life, and senior care insurance policies on behalf of customers by representing 20+ top-rated insurance carriers. The agency earns commissions from carriers when policies are sold, offering customized coverage across home, auto, life, commercial property, commercial liability, workers compensation, recreational vehicles, flood, umbrella, and health insurance for retirees. Services are delivered through direct agency sales via phone, in-person consultations at their Louisville, KY office, and website quote requests, with policy servicing supported by a Gloveboxapp customer portal.
Is Local Choice Insurance a public or private company?
Local Choice Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Local Choice Insurance founded?
Local Choice Insurance was founded in 2017. It employs 1 to 10 people.
Where is Local Choice Insurance based?
Local Choice Insurance is headquartered in Louisville, United States, in the North America region.
How does Local Choice Insurance make money?
One revenue line is on record: insurance Policy Commissions.
Who are Local Choice Insurance's main competitors?
Broad incumbents on record are Allstate, State Farm and Liberty Mutual. Regional players are Shelter Insurance, Auto-Owners Insurance, SECURA Insurance, Frankenmuth Insurance and Erie Insurance. Direct peers are Goosehead Insurance and Brightway Insurance.
Does Local Choice Insurance have an API?
No public API is recorded for Local Choice Insurance.
What industry is Local Choice Insurance in?
Local Choice Insurance's product category is Independent Insurance Agency. Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution. Its NAICS code is 5242 and its SIC code is 6411.