Stahlka

What Stahlka does

Stahlka Agency Inc. is a third-generation, family-owned independent insurance agency founded in 1957 by Donald and Gertrude Stahlka and headquartered at 6724 Main Street, Williamsville, New York, with additional offices in Hamburg and Lockport. The firm represents more than 45 insurance carriers — including Erie, Nationwide, The Hartford, Travelers, Chubb, Progressive, Liberty Mutual, AmTrust, METLife, Aetna, United Healthcare, and Independent Health — and distributes their personal lines (auto, home, life, health, flood, motorcycle, boat, pet, Medicare, high-net-worth), commercial lines (BOP, commercial auto, general liability, professional liability, workers' compensation, cyber, D&O, EPLI, builders risk, bonds), and group employee benefits products (health, dental, vision, disability, FSAs/HSAs, EAPs, commuter benefits) to individuals, families, and businesses primarily across Western New York, with stated nationwide reach.

The business has no proprietary technology platform; service delivery is relationship-led through phone, in-person consultation at its three offices, and a website-based quote intake funnel that promises 90% of quotes within 24 hours. The agency layers third-party benefits administration tools (Employee Navigator, Ease) on top of carrier systems and is a founding member of the EMS Group, a Western New York network of independent agencies that provides shared market access. Specialty capabilities include a Carnegie Mellon Cyber COPE-trained cyber liability practice and a high-net-worth concierge offering.

Stahlka earns revenue through commissions paid by carrier partners on policies placed and renewed — the standard independent agency compensation model — and does not charge clients directly for advisory services. It is privately held under family ownership (William Stahlka as Chairman Emeritus, Mark Stahlka as CEO, Brad Stahlka as President effective January 1, 2025, alongside non-family partners Shawn Berg and Fraser McIntyre), with no external institutional capital disclosed. The firm has held Best Practices status from the Big 'I' and Reagan Consulting for three consecutive years, placing it among only ~235 of the ~2,600 nominated U.S. independent agencies.

Name

Stahlka

Legal name

Stahlka Agency Inc.

Website

https://stahlka.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

11–50 employees

Short description

Stahlka Agency is a third-generation, family-owned independent insurance brokerage in Western New York that represents 45+ carriers to deliver personal, commercial, and employee benefits coverage to individuals, families, and businesses.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Life Insurance (6311), Surety Insurance (6351)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance brokerage
• Employee benefits solutions
• Multi-carrier insurance broker

Headquarters

HQ city

Brooklyn

HQ country

United States

HQ region

North America

Offices3 records

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 Commission Revenue: Stahlka Agency, as an independent insurance agency, earns revenue through commissions paid by insurance carrier partners when policies are placed and renewed. They represent a diverse array of insurance carriers and do not charge clients directly for their advisory services — compensation comes from the insurance companies.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Stahlka Agency is a third-generation independent insurance brokerage representing over 45 insurance carriers, providing personal lines (auto, home, life, health, Medicare), commercial lines (BOP, general liability, workers comp, cyber, D&O), and employee benefits solutions. The agency delivers consultative advisory services and policy placement on behalf of clients, earning revenue through carrier commissions rather than direct client fees.

Product overview

Stahlka Agency is a third-generation independent insurance agency founded in 1957, serving Western New York from Williamsville, Hamburg, and Lockport locations. The company operates as a traditional insurance agency offering a broad portfolio of personal and commercial insurance products and employee benefits services. The core offering consists of personal lines (auto, homeowners, condo, health, life, flood, motorcycle, boat, pet health, Medicare, and high net worth insurance), commercial lines (BOP, commercial auto, general liability, professional liability, workers compensation, cyber liability, D&O, EPLI, umbrella, builders risk, bonds, commercial property, and contractors insurance), and employee benefits (health, dental, vision, life, disability, FSAs, HSAs, EAPs, wellness programs, and commuter benefits). The agency differentiates as an independent broker representing multiple insurance carriers, offering personalized coverage comparisons and quotes through a team of over 45 employees. No unified software platform or digital product is offered—all services are delivered through traditional insurance brokerage with in-person and phone support.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal automobile insurance covering liability, collision, comprehensive, and uninsured/underinsured motorist protection for individuals across New York.
• Homeowners Insurance Home insurance protecting against fire, theft, vandalism, and other covered events, including dwelling, personal property, liability, and loss of use coverage for homeowners.
• Condo Insurance H0-6 policy covering condo units where association insurance stops, protecting interior contents, fixtures, and personal property for condo owners.
• Health Insurance Individual and group health insurance plans covering medical expenses with various deductible, co-insurance, and coverage options for individuals and families.
• Life Insurance Term and whole life insurance protecting dependents financially in case of premature death, covering income replacement, debt, and final expenses for individuals and families.
• Flood Insurance Stand-alone flood insurance policy covering water damage from flooding events, required separately from standard homeowners insurance.
• Motorcycle Insurance Insurance coverage for motorcycles including street cycles, Harley Davidsons, trike conversions, cruisers, classic bikes, touring bikes, dirt bikes, and ATVs.
• Boat Insurance Comprehensive watercraft insurance covering boats, personal watercraft, liability, physical damage, medical payments, and emergency assistance.
• Pet Health Insurance Insurance coverage for pet veterinary expenses, protecting against unexpected illness and injury costs for dogs and cats.
• Medicare Insurance Medicare supplement plans, Medicare Advantage guidance, and prescription drug plan selection assistance for individuals approaching or at Medicare eligibility.
• High Net Worth Insurance Concierge-level, fully customizable insurance for high-net-worth individuals covering primary/secondary/vacation homes, private collections, artwork, high-end autos, and identity theft.
• Collector Car Insurance Classic and collector car insurance with special provisions, conditions, and coverages appropriate for vintage and specialty vehicles.
• Personal Umbrella Insurance Stand-alone liability policy providing additional coverage limits up to $10 million over underlying auto and homeowners policies for catastrophic events.
• Business Owners Policy (BOP) Commercial package combining property, liability, and casualty coverage tailored for business needs, available for retailers, wholesalers, contractors, and other business types.
• Commercial Auto Insurance Business vehicle coverage for company cars, cargo vans, limos, taxis, buses, SUVs, pickup trucks, and other commercial automobiles with liability, collision, and comprehensive protection.
• General Liability Insurance Commercial General Liability (CGL) coverage protecting against bodily injury, property damage claims, lawsuits, investigations, and advertising/copyright claims arising from business operations.
• Professional Liability Insurance Errors & Omissions coverage for professionals including lawyers, doctors, architects, IT professionals, real estate brokers, consultants, and engineers protecting against negligent services and work mistakes.
• Workers Compensation Insurance State-mandated coverage protecting employees and employers from work-related injuries and illness, covering lost wages, medical treatment, and return-to-work services.
• Cyber Liability Insurance Coverage for data breaches including sensitive customer information (SSNs, credit cards, medical records), covering legal fees, identity restoration, breach notification, and system recovery.
• Directors and Officers (D&O) Insurance Liability coverage protecting directors and officers of for-profit and non-profit organizations from personal losses due to lawsuits resulting from their service.
• EPLI Insurance Employment Practices Liability Insurance protecting businesses against employee claims of sexual harassment, discrimination, wrongful termination, and other workplace violations.
• Commercial Umbrella Insurance Additional liability protection extending beyond standard policy limits up to $10 million for businesses facing catastrophic lawsuits.
• Builders Risk Insurance Course of Construction Insurance covering buildings under construction or renovation, protecting structure and materials from fire, wind, theft, lightning, hail, vandalism, and vehicle/aircraft damage.
• Bonds Surety, lost title, contract, and license/permit bonds including contractor bonds, tax bonds, environmental bonds, and ERISA bonds for businesses.
• Commercial Property Insurance Insurance covering commercial buildings and company contents including lost income, business interruption, buildings, computers, money, and valuable papers.
• Contractors Insurance Comprehensive coverage for independent contractors including plumbers, electricians, carpenters, landscapers, repair people, and freelancers with general liability, E&O, and workers comp.
• Employee Benefits Full suite of group benefits including health, dental, vision, life, disability insurance, FSAs, HSAs, EAPs, wellness programs, and commuter benefits with multiple funding method options for employer groups.

Quantifiable outcome

• 90% of insurance quotes are complete within 24 hours or less
• +1 more outcomes

Named customers6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core.

• EMS GroupcoreStrategic or Co-development PartnerStahlka Agency is a founding member of the EMS Group, a network of strong independent agencies in Western New York. The EMS Group enhances market access and expertise for member agencies while keeping service personal and local. This partnership provides shared resources, carrier relationships, and collective market positioning.
• Erie InsurancecoreChannel Partner/ Reseller/ DistributorErie Insurance is one of the 45+ insurance carriers represented by Stahlka Agency. The agency offers Erie Insurance products to clients as part of its independent carrier portfolio.
• NationwidecoreChannel Partner/ Reseller/ DistributorNationwide is one of the 45+ insurance carriers represented by Stahlka Agency across personal and commercial lines.
• The HartfordcoreChannel Partner/ Reseller/ DistributorThe Hartford is one of the carriers represented by Stahlka Agency, featured prominently among the agency's carrier partners.
• Travelers InsurancecoreChannel Partner/ Reseller/ DistributorTravelers Insurance Companies is one of the insurance carriers represented by Stahlka Agency, available to clients seeking commercial and personal coverage.
• ChubbcoreChannel Partner/ Reseller/ DistributorChubb Group is one of the carriers represented by Stahlka Agency, offering personal and commercial insurance products.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive Insurance is one of the 45+ carriers represented by the agency, featured in the carrier directory for personal and commercial lines.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorLiberty Mutual Insurance is among the carriers represented by Stahlka Agency, providing auto, home, and commercial coverage options.
• AmTrust FinancialcoreChannel Partner/ Reseller/ DistributorAmTrust Financial is one of the carriers represented by the agency, offering specialty and commercial insurance products.
• METLifecoreChannel Partner/ Reseller/ DistributorMetLife is one of the insurance carriers represented by Stahlka Agency, offering life, dental, vision, and other employee benefit and personal insurance products.
• AetnacoreChannel Partner/ Reseller/ DistributorAetna (CVS Health) is one of the health insurance carriers represented by the agency, offering medical and employee benefits products.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorUnited Healthcare is one of the health and benefits carriers represented by Stahlka Agency, featured prominently in the employee benefits section.
• Independent HealthcoreChannel Partner/ Reseller/ DistributorIndependent Health is a regional health insurance carrier represented by the agency, offering health coverage options for individuals and employer groups.
• HagertycoreChannel Partner/ Reseller/ DistributorHagerty is the agency's preferred carrier for classic and collector car insurance, featured prominently among carrier logos.

Scale indicators7 records

Recent moves8 records

Expansion highlights5 records

Regional players

• Frankenmuth Insurance: Regional mutual carrier and independent agency network operator across the Midwest and Mid-Atlantic — comparable in being both a carrier and agency-network partner; relevant as one of the carrier relationships in Stahlka's broader market.

Broad incumbents

• HUB International: Large North American insurance brokerage with multi-carrier representation across personal, commercial, and benefits — broad incumbent overlap on independent agency model and acquisition strategy.
• Acrisure: Global insurance brokerage that grew primarily through regional agency roll-ups — the most aggressive aggregator of independent agencies and a credible benchmark for the acquisition route Stahlka is signaling.
• Brown & Brown Insurance: One of the largest U.S. independent insurance brokerages with deep M&A-led expansion in personal and commercial lines — broader incumbent executing the same agency roll-up playbook Stahlka is initiating in WNY.
• USI Insurance Services: Large U.S. insurance brokerage and benefits consultant — overlap on multi-line personal/commercial/employee-benefits intermediation and on competitive pressure for mid-market clients.

Direct peers

• Haylor, Freyer & Coon: Multi-generation independent insurance agency headquartered in Syracuse, NY, providing personal, commercial, and employee benefits through a broad carrier panel — directly comparable multi-line broker operating across New York State.
• Insurance Office of America: Independent, full-service insurance agency representing multiple carriers across personal, commercial, and benefits lines with regional offices — direct comparable on independent broker model.
• Hilb Group: East Coast mid-market insurance brokerage built largely through agency roll-ups, serving personal, commercial, and benefits clients — comparable acquisition-driven agency model to Stahlka's stated M&A growth strategy.
• Marshall & Sterling Insurance: Upstate New York–based independent insurance agency offering personal, commercial, and benefits lines across multiple carriers — the closest regional analog to Stahlka in customer mix and go-to-market.
• Eastern Atlantic Insurance: Northeast independent insurance agency offering personal and commercial lines across a multi-carrier panel with offices across the Mid-Atlantic — directly comparable community-broker profile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/stahlka-agency-inc-
• Xx.com/StahlkaA

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 Stahlka