Pilot Insurance Agency

What Pilot Insurance Agency does

Pilot Insurance Agency is an independent insurance brokerage founded in 2008 by Matt Dodd and headquartered at 822 W 8th St, Mishawaka, Indiana. The firm operates as a 100% independent agency — not captive to any single carrier — and distributes personal and small-commercial insurance products (auto, homeowners, condo/renters, life, umbrella, recreational vehicles, specialty dwellings, and business insurance) by shopping across a roster of more than 20 national and regional carriers including Progressive, GEICO, Erie, Travelers, AAA, Liberty Mutual/Safeco, Auto-Owners, Hippo, Branch, Donegal, Indiana Farmers, and Hagerty. Customers originate primarily through the agency's website quote forms, phone/email, and an established referral channel with mortgage brokers and loan officers in Indiana.

The operating team is small (four named individuals per company-provided detail: founder/owner Matt Dodd, New Business Specialist Stephanie Matteson, and Customer Service Representatives Shannon Frick and Kim Hubley), all Bethel College graduates, serving clients across St. Joseph and Elkhart counties (Mishawaka, South Bend, Granger). The go-to-market motion is inside sales / quote-driven: prospects request a quote online, an agent follows up to design a coverage plan, and the agency binds through whichever carrier offers the optimal combination of cost and coverage for the prospect's risk profile. Marketing is executed through the website, an educational blog, a Google/testimonial presence, and a $10 gift-card referral program.

The business model is commission-based: Pilot earns carrier-paid commissions on policies sold and renewed, generating recurring subscription-like revenue tied to the in-force book. There is no proprietary technology platform; the firm relies on carrier rater tools, standard agency management systems, and human-led service for quoting, policy servicing, and claims handling. The company is privately held, founder-owned, with no disclosed external investment, no parent company, and no subsidiaries.

Name

Pilot Insurance Agency

Legal name

Pilot Insurance Agency

Website

https://pilotinsuranceagency.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Pilot Insurance Agency is an independent insurance brokerage in Mishawaka, Indiana that shops auto, home, life, business, and specialty insurance across 20+ carriers for individuals, families, and small businesses in northern Indiana.

Ownership category

akta.pro rank

Headquarters

HQ city

Mishawaka

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: Pilot Insurance Agency earns commissions from insurance carriers for policies sold and serviced. As an independent agency representing multiple carriers, they receive compensation directly from the insurance companies, not from customers. The agency proactively shops the market on behalf of clients to find optimal cost and coverage combinations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Pilot Insurance Agency is a 100% independent insurance agency that shops multiple national and regional insurance carriers on behalf of individuals, families, and small business owners to source auto, home, life, renters/condo, umbrella, recreational vehicle, specialty dwelling, and commercial insurance coverage. The agency earns commissions from its carrier partners and delivers personalized plans through a three-step quote, design, and place process.

Product overview

Pilot Insurance Agency operates as an independent insurance agency offering a portfolio of personal and business insurance products. The core offerings include Auto Insurance, Homeowners Insurance, Life Insurance, Condo & Renters Insurance, and Boat/Motorcycle/RV/ATV Insurance, complemented by Umbrella Insurance as an add-on liability layer. The agency also provides Business Insurance and Specialty Dwelling Insurance for rental/unoccupied properties. All products are distributed through a network of 20+ carrier partners (including AAA, Progressive, Erie, Grange, GEICO, Travelers, and others), allowing the agency to shop the market on behalf of clients. The agency uses a 3-step process (Start a Quote, Create a Plan, Get Better Results) and provides online quote request forms for auto, home, life, and renters insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage protecting against collision, comprehensive damage, property damage, bodily injury liability, and uninsured/under-insured motorist coverage. The agency shops multiple carriers to find optimal cost and coverage combinations for individual drivers and families.
• Homeowners Insurance Protection for the dwelling structure, personal property, liability, loss of use, and other structures on the property. Includes replacement cost analysis and coverage for fire, theft, vandalism, and specified perils, sourced through multiple carrier partners.
• Life Insurance Term and whole life insurance policies to protect dependents financially, including coverage for final expenses, estate taxes, and income replacement.
• Condo & Renters Insurance Coverage for renters and condo owners to protect personal belongings and liability, distinct from homeowners insurance.
• Boat, Motorcycle, RV, & ATV Insurance Specialized coverage for recreational vehicles and watercraft including liability, medical payments, physical damage, navigational area coverage, and emergency assistance.
• Business Insurance Commercial insurance coverage protecting business owners' livelihoods and operations, including businessowners and landlord rental property policies.
• Umbrella Insurance Stand-alone liability policy providing additional coverage limits (typically $1M-$5M) above underlying auto and homeowners policies to protect assets from lawsuits.
• Specialty Dwelling Insurance Specialized policies for rental properties or unoccupied homes that cannot use traditional homeowners insurance.

Quantifiable outcome

• Customers can save $75/month on auto insurance while getting better coverage

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core.

• AAAcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto, home, and membership services. Customers can manage accounts, file claims, and access roadside assistance through AAA.
• American ModerncoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering specialty insurance products. Policy management and claims filing available through amig.com.
• Branch InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner with mobile app for policy management. Claims and roadside assistance available.
• DonegalcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier offering auto and home coverage. Specializes in glass claims.
• Erie InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier providing auto and home coverage. Offers glass claims services.
• Grange InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner with auto, home, and roadside assistance services. Glass claims handling available.
• HagertycoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier focused on classic vehicles and watercraft.
• Indiana Farmers InsurancecoreChannel Partner/ Reseller/ DistributorRegional Indiana-based insurance carrier offering auto and home coverage with glass claims services.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing auto coverage with extensive claims handling infrastructure.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor commercial and personal lines insurance carrier offering comprehensive coverage options.
• Liberty Mutual (Safeco)coreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing auto and home coverage through Safeco brand.
• GEICOcoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier known for auto coverage, part of Berkshire Hathaway.
• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier offering auto and home coverage with roadside assistance services.
• HippocoreChannel Partner/ Reseller/ DistributorInsurance carrier partnered through Homeowners of America Insurance Company, offering modern home insurance with digital-first approach.
• Mortgage Brokers & Loan OfficerscoreChannel Partner/ Reseller/ DistributorMortgage professionals in Indiana including brokers, originators, and processors who partner with Pilot Insurance to handle borrowers' homeowners insurance needs. Benefits include fast turnaround (often same-day quotes), discounts for packaged auto insurance, personalized claims handling, and easy referral process.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• State Farm: Largest US personal-lines insurer, distributing primarily through captive agents. Operates overlapping product lines in the same Mishawaka/South Bend market and competes for the same household insurance wallet.
• Allstate: Major national P&C insurer with a captive agency model that competes directly with independent agencies like Pilot for personal auto and home customers in the same Indiana geography.
• Progressive: Major national personal-lines insurer with a strong direct-to-consumer digital channel. Simultaneously a Pilot carrier partner and a structural competitor via its DTC funnel that bypasses independent agents.

Direct peers

• Donegal Group: Regional mutual insurance holding company selling through independent agents in the Midwest and Mid-Atlantic. Listed as a Pilot carrier partner and operates with a similar independent-agency distribution model covering personal and small commercial lines.
• Auto-Owners Insurance: Midwest-focused mutual carrier distributing exclusively through independent agents. Listed as a Pilot carrier partner and serves overlapping personal and small commercial lines in similar Indiana/Midwest geographies.
• Erie Insurance: Regional P&C carrier that distributes exclusively through independent insurance agents, directly comparable to Pilot's independent agency model. One of Pilot's named carrier partners, indicating overlapping customer base and distribution channel in the Midwest personal lines market.

Regional players

• Shelter Insurance: Regional mutual P&C carrier operating in the Midwest and South through captive and independent agents. Comparable in product mix (auto, home, life) and customer base (individuals, families, small businesses) to Pilot.
• Westfield Insurance: Ohio-based regional carrier distributing through independent agents across the Midwest. Comparable in independent-agency distribution model and personal/small-commercial product mix.
• Indiana Farmers Insurance: Indiana-based regional insurance carrier offering auto and home coverage through independent agents. A named Pilot carrier partner operating in the same Indiana geography with comparable personal-lines focus.
• Grange Insurance: Midwest and Mid-Atlantic regional carrier distributing through independent agents. Listed as a Pilot carrier partner with comparable personal auto and home product focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pilotinsuranceagency
• LinkedInlinkedin.com/company/pilot-insurance-agency-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Pilot Insurance Agency