C&H Insurance

What C&H Insurance does

C&H Insurance is an independent insurance agency and brokerage headquartered at 175 Capital Blvd, Suite 402, in Rocky Hill, Connecticut, operating as C&H Insurance LLC, a privately held Connecticut-formed LLC. The firm functions as an intermediary between customers and multiple national insurance carriers, holding appointments with Zurich, Travelers, The Hartford, State Auto, Safeco, Liberty Mutual, Foremost, and Progressive, and using those relationships to shop coverage and identify appropriate policies at competitive rates. The company was founded around 2012 and operates with 1-10 employees, serving customers primarily in Connecticut with named presence in Rocky Hill and New Haven.

The firm's product portfolio spans seven core insurance categories — Life, Auto, Home, Commercial, Cybersecurity, Pet, and Bond — supplemented by Legal Shield Options as an add-on service. Commercial coverage includes property, general liability, workers' compensation, commercial auto, professional liability, product liability, and business interruption, targeted at small and medium-sized businesses. Personal lines include term and whole life, auto liability/collision/comprehensive, homeowners, and pet health with hereditary and breed-specific condition coverage. Cybersecurity insurance is split into first-party (data breach response, business interruption, cyber extortion, forensics) and third-party (legal defense, privacy and security liability, media liability, regulatory fines) sub-coverages.

Revenue is generated exclusively through carrier commissions on policies placed, with no disclosed pricing or premium figures. The go-to-market is sales-led and multi-channel: a toll-free phone line (888-844-6264), direct email ([email protected]), a website with quote request forms, and affiliate partnerships with NextInsurance and Propeller for automated online quoting. Marketing relies on a WordPress-hosted blog producing Connecticut-specific SEO content (cyber claims, pet insurance, insider threats) plus organic social presence. The firm does not develop proprietary technology, has no app or API surface, holds no patents or trademarks, and has no disclosed funding, M&A, or institutional ownership.

Name

C&H Insurance

Legal name

C&H Insurance LLC

Website

https://go-chinsurance.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Independent insurance agency in Rocky Hill, Connecticut, brokering personal and commercial coverage including auto, home, life, commercial, cyber, pet, and bonds through eight-plus carrier relationships for individuals, families, and small businesses primarily in Connecticut.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

akta.pro secondary industries

First-Party Cyber (Breach Response, Forensics, Notification, Credit Monitoring) (FSAJAOAF), Professional Liability (E&O) (FSAJAGAC)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Small business insurance
• Insurance carrier partnerships

Headquarters

HQ city

Rocky Hill

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: C&H Insurance operates as an independent insurance agency/broker. They earn commissions from multiple insurance carriers (Zurich, Travelers, The Hartford, State Auto, Safeco, Liberty Mutual, Foremost, Progressive) for policies sold to customers. The company uses their relationships with these carriers to shop insurance for customers and identify the right coverage at the most competitive rate. Revenue is generated through commissions paid by insurance companies on policies placed.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

C&H Insurance is an independent insurance agency that acts as an intermediary between customers and multiple leading insurance carriers, including Zurich, Travelers, The Hartford, State Auto, Safeco, Liberty Mutual, Foremost, and Progressive. The agency offers Life, Auto, Home, Commercial, Cybersecurity, Pet, and Bond insurance, plus Legal Shield legal services options, and uses its carrier relationships to shop coverage on behalf of individuals, families, and small-to-medium businesses in Connecticut. Agents provide one-on-one advisory guidance to help customers select the right coverage at competitive rates.

Product overview

C&H Insurance is an independent insurance agency that serves as an intermediary between customers and multiple insurance carriers. Rather than offering a single proprietary product, the company operates as an insurance brokerage using relationships with carriers such as Zurich, Travelers, The Hartford, State Auto, Safeco, Liberty Mutual, Foremost, and Progressive to shop coverage for customers and identify the right coverage at competitive rates. The core product portfolio centers on seven primary insurance categories: Life Insurance, Home Insurance, Auto Insurance, Commercial Insurance, Cybersecurity Insurance, Pet Insurance, and Bond Services, supplemented by Legal Shield Options. C&H assists customers in comparing prices from leading carriers and provides one-on-one advice to help select the best coverage for their needs, particularly serving individuals, families, and small-to-medium businesses in Connecticut.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance Life insurance coverage providing financial protection for families, including term life and whole life options, placed across multiple carrier partners for Connecticut residents.
• Auto Insurance Vehicle insurance coverage including liability, collision, comprehensive, and underinsured motorist protection for Connecticut drivers across multiple coverage levels and deductibles.
• Home Insurance Property insurance covering dwelling, personal property, liability, additional living expenses (ALE), and medical payments to protect homeowners against fire, storms, theft, vandalism, and other covered perils.
• Commercial Insurance Business insurance encompassing commercial property, general liability, workers' compensation, commercial auto, professional liability, product liability, and business interruption coverage for small and medium-sized businesses.
• Cybersecurity Insurance Cyber insurance protecting businesses against data breaches, ransomware attacks, business interruption, legal expenses, and notification costs, including first-party and third-party coverage components for Connecticut businesses.
• Pet Insurance Pet health insurance covering hereditary and breed-specific conditions, accidents, illnesses, and veterinary expenses for dogs and cats in Connecticut.
• Legal Shield Options Legal services plan providing access to legal consultation, document review, and legal representation services for individuals and businesses, offered via partnership with Legal Shield.
• Bond Services Surety bonds for contractors and businesses, including contract bonds, commercial bonds, and fidelity bonds to meet contractual and regulatory requirements.

Quantifiable outcome

• Customers can save over $1000 on homeowner's insurance for the same coverage
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• ZurichcoreChannel Partner/ Reseller/ DistributorZurich is one of the insurance carriers C&H Insurance works with to provide coverage options to customers. They represent Zurich as a partner carrier offering various insurance products.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers is one of the insurance carriers C&H Insurance works with to provide coverage options to customers. They represent Travelers as a partner carrier offering various insurance products.
• The HartfordcoreChannel Partner/ Reseller/ DistributorThe Hartford is one of the insurance carriers C&H Insurance works with to provide coverage options to customers. They represent The Hartford as a partner carrier offering various insurance products.
• State AutocoreChannel Partner/ Reseller/ DistributorState Auto is one of the insurance carriers C&H Insurance works with to provide coverage options to customers. They represent State Auto as a partner carrier offering various insurance products.
• SafecocoreChannel Partner/ Reseller/ DistributorSafeco is one of the insurance carriers C&H Insurance works with to provide coverage options to customers. They represent Safeco as a partner carrier offering various insurance products.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorLiberty Mutual is one of the insurance carriers C&H Insurance works with to provide coverage options to customers. They represent Liberty Mutual as a partner carrier offering various insurance products.
• ForemostcoreChannel Partner/ Reseller/ DistributorForemost is one of the insurance carriers C&H Insurance works with to provide coverage options to customers. They represent Foremost as a partner carrier offering various insurance products.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive is one of the insurance carriers C&H Insurance works with to provide coverage options to customers. They represent Progressive as a partner carrier offering various insurance products.
• NextInsuranceminorGTM or Marketing PartnerOnline quote partner that provides automated insurance quotes. C&H Insurance refers customers to NextInsurance for quote generation through affiliate links.
• Propeller (Insure)minorGTM or Marketing PartnerOnline quote partner that provides automated insurance quotes. C&H Insurance refers customers to Propeller for quote generation through affiliate links.
• Legal ShieldminorChannel Partner/ Reseller/ DistributorLegal Shield Options are offered as an additional product through C&H Insurance, providing legal services coverage to customers.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown: Large national insurance brokerage that acquires and operates independent agencies like C&H. Highly comparable in agency model (multi-carrier representation, multi-line personal/commercial), with the same commission economics but vastly greater scale, geographic reach, and acquisition-driven roll-up strategy.
• Acrisure: One of the largest insurance brokerages in the world, built largely through acquiring independent agencies and brokerages. Directly comparable business model to C&H (multi-carrier representation, personal + commercial lines) at massive scale, and an active acquirer of small CT/Northeast agencies.
• Marsh McLennan: Global insurance brokerage and risk-management firm. Comparable in intermediating between customers and carriers across personal and commercial lines, but at enterprise scale with significant consulting and reinsurance brokerage adjacencies that C&H does not offer.
• Hub International: North American insurance brokerage that has grown primarily by acquiring independent agencies in regional markets. Operates the same multi-carrier, multi-line agency model as C&H but with a PE-backed roll-up structure, demonstrating both the playbook and the acquisition threat facing small independents.

Regional players

• Frankenmuth Insurance: Mutual insurance carrier distributing through independent agents primarily in the Midwest. Comparable in product mix (personal and commercial multi-line) and agency-distribution model, but serving a different geography than C&H.
• Erie Insurance: Regional insurance carrier that distributes exclusively through a network of independent agents in the Mid-Atlantic, Northeast, and Midwest. Closely comparable to C&H in operating model (independent agent, multi-line personal/commercial) but regional to a different geography and operating as a carrier rather than a pure intermediary.
• Plymouth Rock Assurance: Northeast-focused personal lines insurer that uses independent agents for distribution. Directly comparable in target geography (CT and adjacent Northeast states) and in personal-lines focus, but operates as a carrier rather than a multi-carrier broker.

Emerging players

• Simply Business: Online small business insurance marketplace that aggregates quotes from multiple carriers. Comparable in serving the same SMB commercial segment with a multi-carrier comparison model, but operating as a digital aggregator rather than an agent-led agency.
• Insureon: Online commercial insurance brokerage specializing in small business coverage. Directly comparable in targeting the same primary segment (SMB commercial insurance) and the same carrier-shopping value proposition, but delivered through a digital-first model that competes for C&H's commercial book.
• NextInsurance: Digital SMB-focused insurance carrier/broker that C&H already refers customers to via affiliate links. Comparable in targeting the same CT SMB commercial segment, and an example of the digital-native model that pressures traditional agency commissions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/chinsurance2

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 C&H Insurance