Fekete Knaggs & Burr Agency

What Fekete Knaggs & Burr Agency does

Fekete Knaggs & Burr Agency (FKB Insurance) is a privately held independent insurance agency headquartered at 1025 S. Mitchell St. in Cadillac, Michigan, founded in 2002 and serving individual and business customers across the state of Michigan with a focus on the northwestern Michigan region. The agency is led by Agency Principal and co-founder Timothy L. Fekete, who holds the Accredited Advisor in Insurance (AAI) designation attained in 2006, and operates with 11-50 employees under the FKB Insurance, FKB, and Fekete Knaggs & Burr Insurance Agency trade names.

FKB's product portfolio spans eight insurance lines — personal and business automobile, homeowners, mobile homeowners, renters, business (commercial property, liability, workers compensation, bonds, professional liability, group health, disability), farm, and Medicare plans (marketed via a separate fkbseniorservices.com site). The agency's core technology is comparative rating software that shops rates across multiple carrier partners — Auto-Owners, Frankenmuth, Michigan Millers, Pioneer State Mutual, Fremont, Accident Fund, and Retailers Insurance — combined with website-based quote request forms, a YouTube channel, Instagram presence, and Google review aggregation. The agency holds Trusted Choice Independent Agency designation and completed the Total Quality Agency accreditation program in 2024.

The business model is commission-based: as an independent agency, FKB earns a recurring percentage of premium for policies placed with carrier partners, with pricing individualized through the comparative quoting process and billing on an annual cadence. Customer acquisition runs through direct office sales, phone inquiries (231-779-7919), online quote forms, and word-of-mouth referrals evidenced by published Google reviews, with no enterprise customers, no funding, and no parent company affiliation. The agency is a member of Big I Michigan and uses Trusted Choice branding for marketing and credibility.

Name

Fekete Knaggs & Burr Agency

Legal name

Fekete Knaggs & Burr Agency

Website

https://fkbinsurance.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Fekete Knaggs & Burr Agency is a privately held independent insurance agency founded in 2002 in Cadillac, Michigan, offering auto, home, business, farm, and Medicare insurance to individuals and businesses across Michigan through multiple carrier partnerships.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

Keywords

• Independent insurance agency
• Property casualty insurance
• Personal lines insurance
• Commercial insurance brokerage
• Medicare insurance services

Headquarters

HQ city

Cadillac

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, FKB earns commissions from insurance carriers for policies placed on behalf of customers. They represent multiple insurance companies and earn a percentage of each premium sold.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Fekete Knaggs & Burr Agency is an independent insurance agency based in Cadillac, Michigan, representing multiple top-rated insurance carriers (including Auto-Owners, Frankenmuth, Cincinnati, Hastings Mutual, Pioneer, and Western National). The agency sells personal lines (auto, homeowners, mobile homeowners, renter's, farm) and commercial lines (business, business auto), as well as Medicare insurance plans through a dedicated Medicare services site.

Product overview

Fekete Knaggs & Burr Agency is a Trusted Choice Independent Insurance Agency that operates as a single agency offering multiple insurance products. They represent multiple insurance companies and use comparative rating software to shop coverage options. The agency's product portfolio includes eight core insurance offerings: Auto Insurance, Homeowners Insurance, Mobile Homeowners Insurance, Business Insurance, Business Auto Insurance, Renter's Insurance, Farm Insurance, and Medicare Plans. These products are distributed through their office in Cadillac, Michigan, and the agency serves clients throughout the state of Michigan since 2002.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance
• Homeowners Insurance
• Mobile Homeowners Insurance
• Renter's Insurance
• Farm Insurance
• Business Insurance
• Business Auto Insurance
• Medicare Plans

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Nine partnerships are on record, tiered core and minor.

• Pioneer State Mutual InsurancecoreChannel Partner/ Reseller/ DistributorMichigan-based mutual insurance company specializing in farm and commercial coverage. FKB represents Pioneer State as one of their independent agency partners to provide coverage options for farm and business customers.
• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorMulti-line property and casualty insurance company offering personal and commercial insurance products. FKB represents Auto-Owners to provide auto, home, and business coverage.
• Frankenmuth InsurancecoreChannel Partner/ Reseller/ DistributorMichigan-based insurance provider known for competitive rates and quality coverage. FKB offers Frankenmuth products to their customers seeking auto, home, and business coverage.
• Michigan Millers InsurancecoreChannel Partner/ Reseller/ DistributorMichigan-based insurance company offering property and casualty coverage. FKB represents Michigan Millers to provide additional coverage options for Michigan customers.
• Fremont InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier providing coverage options for homes, farms, and businesses in Michigan. FKB partners with Fremont to offer their products to Michigan customers.
• Accident Fund MichiganminorChannel Partner/ Reseller/ DistributorWorkers compensation insurance provider. FKB offers Accident Fund products to business customers needing workers comp coverage.
• Retailers InsuranceminorChannel Partner/ Reseller/ DistributorInsurance company specializing in coverage for retail businesses. FKB partners with Retailers Insurance for business customer coverage needs.
• Big I Michigan (Independent Insurance Agents of Michigan)minorChannel Partner/ Reseller/ DistributorState association for independent insurance agents in Michigan. FKB is a member, providing access to industry resources, training, and carrier relationships.
• Trusted ChoicecoreGTM or Marketing PartnerNational brand for independent insurance agencies. FKB is a Trusted Choice agency, using this branding to market their independent agency model and access marketing resources and brand recognition.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Hastings Mutual Insurance Company: Regional Midwest mutual P&C carrier sold through independent agents across Michigan, Ohio, and Indiana. Comparable product breadth and independent agency distribution model targeting the same small-commercial and personal-lines customer.
• Michigan Millers Insurance: Michigan-based property and casualty carrier sold through independent agents. Michigan Millers is both a carrier FKB represents and a competing P&C distribution channel for Michigan personal and business customers.
• Auto-Owners Insurance: Michigan-headquartered multi-line P&C insurer sold through independent and exclusive agents. Auto-Owners is one of FKB's core carrier partners and competes directly for the same Michigan personal and commercial insurance customer.
• Fremont Insurance Company: Michigan-based insurer providing home, farm, and business coverage through independent agents. Fremont is both a carrier FKB represents and a comparable distribution competitor for Michigan personal, farm, and small-commercial business.
• Pioneer State Mutual Insurance: Michigan-based mutual insurer specializing in farm and commercial coverage distributed via independent agents. Pioneer State is both a carrier FKB places business with and a competing distribution model for the same farm and small commercial customer in Michigan.
• Frankenmuth Insurance: Michigan-based mutual insurer distributed through independent agents. Frankenmuth is both a carrier FKB represents and a direct competitor for the same multi-line personal and commercial customer in Michigan, with overlapping product breadth.
• Farm Bureau Insurance of Michigan: Michigan-domiciled multi-line insurer with a strong captive agency force focused on farm, home, auto, and business coverage. Farm Bureau competes head-to-head with FKB for rural Michigan and small-commercial customers, particularly in farm lines.

Broad incumbents

• State Farm: Largest U.S. personal lines insurer with a captive agent force that competes directly for the same auto, home, and small-business customers in Michigan. Operates broadly across insurance products versus FKB's regional independent agency model.
• Erie Insurance: Multi-line P&C insurer with an exclusive agency distribution model across the Midwest and Mid-Atlantic. Competes with FKB for Michigan personal and small-commercial customers and is a meaningful incumbent in the same geographic footprint.

Emerging players

• The Hilb Group: National insurance brokerage roll-up that actively acquires independent agencies like FKB. Comparable independent agency business model, with shared carrier partnerships and a multi-line personal/commercial book, and represents a likely acquirer profile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCp_ui2T_INUn0utd4KQX_Ag/featured
• Facebookfacebook.com/FKBIA
• LinkedInlinkedin.com/company/fekete-knaggs-burr-agency

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Fekete Knaggs & Burr Agency