Engler & Oberbroeckling Insurance

What Engler & Oberbroeckling Insurance does

Engler & Oberbroeckling Insurance is a privately held, family-owned independent insurance agency co-founded on March 1, 1997 by Paul Engler and Ron Oberbroeckling, with roots traceable to the predecessor Stockel-Oberbroeckling agency formed in 1981. The agency operates two physical offices in Dubuque and Dyersville, Iowa, serving individuals, families, and small-to-mid-sized businesses across the Tri-State area (Iowa, Illinois, Wisconsin). Its core offering is a comprehensive portfolio split into 10 personal lines (auto, home, life, health, motorcycle, boat, classic car, renters, RV, umbrella) and 13 commercial lines (business liability, commercial auto, commercial property, workers compensation, cyber liability, E&O, contractors, farm & ranch, restaurant, auto dealers, group health, landlord liability, liquor liability), delivered through a sales-led, relationship-driven model with 1-on-1 strategy meetings and 6-month policy check-ups.

The business operates without proprietary technology or a self-built platform; the website runs on the standard FMG Suite/Agency Revolution stack and instant quoting is delivered via a third-party integration (nwexpress.com). As an independent agency the company does not underwrite risk; instead it represents 30+ carriers — including national players (Progressive, Nationwide, Travelers, Liberty Mutual, AIG, CHUBB, Zurich, The Hartford, Prudential) and regional mutuals (Grinnell Mutual, Celina, Alliance Mutual, Heritage Mutual) — and earns first-year and renewal commissions on policies placed.

Revenue mechanics are commission-based and recurring in nature: the agency is paid a percentage of premium by carriers on both new and renewed business, with premiums determined by underlying carriers based on customer risk profiles. GTM is sales-led, combining in-person consultations at the two offices, phone outreach, and a content-marketing/SEO layer on the website. The team of 11–50 employees is led by Principal Agent Paul Engler and includes long-tenured staff such as Diane Schmitt (since 1981) and Joyce Gaul (since 2003), with no external capital, no parent company, and no disclosed M&A activity.

Name

Engler & Oberbroeckling Insurance

Legal name

Engler-Oberbroeckling Insurance

Website

https://englerinsurance.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Engler & Oberbroeckling Insurance is a privately held, family-owned independent insurance agency in Dubuque and Dyersville, Iowa, offering 10 personal lines and 13 commercial lines through 30+ carrier appointments to individuals, families, and small businesses across the Tri-State area.

Ownership category

akta.pro rank

Headquarters

HQ city

Dubuque

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: The agency generates revenue through commissions paid by insurance carriers for policies sold and renewed. As an independent insurance agency, they represent multiple insurance companies and earn a percentage of premiums paid by customers. This includes first-year commissions on new policies and renewal commissions on existing policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Engler & Oberbroeckling Insurance is an independent insurance agency that sells personal lines (auto, home, life, health, boating, motorcycle, classic car, renters, RV, umbrella) and commercial lines (business liability, commercial auto, workers comp, commercial property, cyber liability, E&O, contractors, farm & ranch, restaurant, auto dealers, group health, landlord liability, liquor liability) insurance coverage. As an independent agency, they represent over 30 insurance carriers and earn commissions by shopping and placing coverage with the carrier that best fits each customer's needs.

Product overview

Engler & Oberbroeckling Insurance is an independent insurance agency that operates as a single, unified service offering rather than a platform architecture. The agency provides a comprehensive portfolio of personal insurance products (Auto, Boating, Classic Car, Health, Home, Life, Motorcycle, Renters, RV, and Umbrella) and commercial insurance products (Auto Dealers, Business Liability, Commercial Auto, Commercial Property, Contractors, Cyber Liability, E & O, Farm & Ranch, Group Health, Landlord Liability, Liquor Liability, Restaurant, and Workers Compensation). As an independent agency representing multiple insurance carriers, the company customizes insurance solutions by shopping coverage across carrier partnerships rather than offering a proprietary insurance product. The portfolio is organized into Personal and Commercial divisions, with services delivered through offices in Dubuque and Dyersville, Iowa.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for personal automobiles including liability, collision, comprehensive, medical payments, emergency road service, and uninsured motorist protection.
• Boating Insurance Protection for watercraft, motors, trailers, and personal liability for various boat types including pontoons, sailboats, and fishing boats.
• Classic Car Insurance Specialized coverage for antique, collector, and classic vehicles with policies tailored to collectible value and limited usage.
• Health Insurance Individual and family health coverage including HMO plans, major medical, surgical policies, dread disease policies, and hospital indemnity plans.
• Home Insurance Protection for dwellings against hazards including fire, windstorm, lightning, hail, theft, and personal liability coverage for injuries on the property.
• Life Insurance Term life policies for specific periods and whole/universal life insurance providing lifetime coverage with cash value accumulation.
• Motorcycle Insurance Coverage for motorcycles including additional liability, roadside assistance, bike accessories, total loss insurance, and rental vehicle coverage.
• Renters Insurance Protection for renters' personal belongings against theft, vandalism, fire, and liability coverage for injuries to guests.
• RV Insurance Combined vehicle and home coverage for recreational vehicles including Class A, B, and C motorhomes, with options for full-time RVers and camper liability.
• Umbrella Insurance Excess liability coverage providing protection against wide-ranging financial dangers, typically up to $5 million, covering auto and homeowner policy excesses.
• Auto Dealers Insurance Comprehensive coverage for new and used car dealerships including property damage, bodily injury, garage keepers, garage-owned autos, hired autos, and non-owned autos.
• Business Liability Insurance Protection for businesses against customer lawsuits covering personal liability, business liability, professional liability, public liability, bodily injury, and property damage.
• Commercial Auto Insurance Coverage for business vehicles including comprehensive and collision, emergency roadside assistance, liability, medical payments, loss of earnings, and uninsured motor vehicle protection.
• Commercial Property Insurance Protection for business physical assets including buildings, outdoor signs, furniture, equipment, inventory, and fencing, covering fire, water damage, and storm events.
• Contractors Insurance Coverage for contractors including trades such as carpenters, plumbers, electricians, masons, handymen, and builders, covering property in transit, workers compensation, and commercial vehicles.
• Cyber Liability Insurance Protection against data breaches and cyber incidents including data compromise, legal costs, forensic services, identity recovery, and restoration of electronic data and systems.
• E & O Insurance (Errors and Omissions) Specialized liability protection for service businesses against claims of negligent acts, errors, or omissions occurring during business activities.
• Farm and Ranch Insurance Customized coverage for farms and ranches protecting homes, buildings, machinery, equipment, livestock, and farming operations with options for traditional, expanding, and smaller farm operations.
• Group Health Insurance Employer-sponsored health coverage options including PPO plans, HMO plans, Health Savings Account (HSA) eligible plans, and indemnity plans for small businesses and self-employed individuals.
• Landlord Liability Insurance Coverage for property owners renting to tenants including tenant injury protection, fair rental value, inflation protection, and personal injury coverage.
• Liquor Liability Insurance Protection for businesses serving or selling alcohol against claims from intoxicated patrons, covering legal costs and damages under dram shop laws.
• Restaurant Insurance Comprehensive coverage for food service businesses including bars, cafes, diners, caterers, and pizza restaurants with business owners policy, workers compensation, and business crime insurance.
• Workers Compensation Insurance Mandatory coverage for employees injured or ill on the job, covering medical bills, ongoing care, wages missed during recovery, employee lawsuits, and funeral expenses.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

30 partnerships are on record, tiered core and minor.

• AcuitycoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency. Provides property and casualty insurance products. Service: 1-800-242-7666. The agency sells and services Acuity policies for their customers.
• AIGcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier providing personal and commercial insurance. Claims: 1-800-767-2524. The agency offers AIG products to customers seeking comprehensive coverage.
• Alliance MutualcoreChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier. Claims/Service: (563)875-0878. Local mutual insurance company serving the agency region.
• American ModerncoreChannel Partner/ Reseller/ DistributorSpecialty insurer providing niche products. Claims: 1-800-375-2075, Service: 1-800-543-2644. Offers specialty lines including manufactured home and classic car insurance.
• Banner LifecoreChannel Partner/ Reseller/ DistributorLife insurance carrier. Claims: 1-800-638-8428 ext. 6974, Service: 1-800-638-8428. Provides term and permanent life insurance products.
• Berkley Assigned Risk ServicesminorChannel Partner/ Reseller/ DistributorWorkers compensation assigned risk pool administrator. Claims: 1-800-435-1127, Service: 1-888-548-7431. Provides workers comp coverage for high-risk employers.
• Berkshire Hathaway GUARDcoreChannel Partner/ Reseller/ DistributorPart of Berkshire Hathaway insurance group. Claims: 1-800-673-2465, Service: 1-800-673-2465. Provides personal and commercial insurance products.
• Catholic Order of ForestersminorChannel Partner/ Reseller/ DistributorFraternal benefit organization providing life insurance. Claims/Service: (800) 552-0145. Faith-based insurance provider.
• CelinacoreChannel Partner/ Reseller/ DistributorRegional insurance company. Claims: 800-231-2318, Service: 855-586-2911. Provides property and casualty insurance in the Midwest region.
• CHUBBcoreChannel Partner/ Reseller/ DistributorPremier property and casualty insurance company. Claims: 1-800-252-4670, Service: 1-866-324-8222. Offers high-end personal insurance and commercial coverage.
• Concord GeneralminorChannel Partner/ Reseller/ DistributorRegional mutual insurance company. Claims: 1-800-726-1611, Service: 1-800-726-1611. New England-based carrier serving regional customers.
• EmployerscoreChannel Partner/ Reseller/ DistributorWorkers compensation specialist. Service: (888) 682-6671. Provides workers comp coverage for businesses.
• EncompasscoreChannel Partner/ Reseller/ DistributorPersonal insurance carrier (part of Bristol West). Claims: 1-800-588-7400, Service: 1-800-262-7255. Offers bundled personal insurance products.
• Great American Insurance GroupcoreChannel Partner/ Reseller/ DistributorDiversified insurance group. Claims: 1-800-475-2691, Service: 1-800-545-4269. Specializes in specialty property/casualty coverage.
• Grinnell MutualcoreChannel Partner/ Reseller/ DistributorRegional mutual insurance company serving Midwest. Claims: 877-467-2252, Service: 800-362-2041. Provides farm, home, and business insurance.
• HagertycoreChannel Partner/ Reseller/ DistributorClassic car and boat insurance specialist. Claims: 1-800-385-0274, Service: 1-877-922-9701. Provides agreed value coverage for collector vehicles.
• Heritage MutualminorChannel Partner/ Reseller/ DistributorRegional mutual insurance company. Service: 800-766-7642. Provides property and casualty coverage in the Midwest.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier. Claims: 1-800-225-2467, Service: 1-888-398-8924. Provides personal and commercial insurance products.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier. Claims: 1-800-421-3535, Service: 1-877-669-6877. Provides personal, farm, and commercial insurance.
• PrincipalcoreChannel Partner/ Reseller/ DistributorInsurance and financial services company. Claims: 1-800-986-3343, Service: 1-800-986-3343. Provides life insurance and retirement solutions.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor auto and personal lines carrier. Claims: 1-800-776-4737, Service: 1-833-616-5449. Known for competitive auto insurance pricing.
• ProtectivecoreChannel Partner/ Reseller/ DistributorLife insurance specialist. Claims: 1-800-424-1592, Service: 1-800-866-9933. Focuses on term and whole life insurance products.
• PrudentialcoreChannel Partner/ Reseller/ DistributorMajor financial services and insurance company. Claims: 1-855-277-8061, Service: 1-855-277-8061. Provides life insurance and annuity products.
• Risk Placement ServicesminorChannel Partner/ Reseller/ DistributorWholesale/MGA for excess and surplus lines. Claims: 1-866-595-8413, Service: 844-777-8323. Provides specialty insurance placements.
• The HartfordcoreChannel Partner/ Reseller/ DistributorMajor commercial insurance carrier. Claims: 1-800-243-5860, Service: 1-860-547-5000. Specializes in business insurance and employee benefits.
• Travelers - CommercialcoreChannel Partner/ Reseller/ DistributorMajor commercial insurance company. Claims: 1-800-238-6225, Service: 1-800-252-2268. Provides commercial property and liability coverage.
• TruckersminorChannel Partner/ Reseller/ DistributorSpecialty truck insurance carrier. Service: (800) 652-9515. Provides coverage for trucking operations and risks.
• United LifeminorChannel Partner/ Reseller/ DistributorLife insurance carrier. Claims: 800-637-6318, Service: 800-637-6318. Provides life insurance products.
• USLIminorChannel Partner/ Reseller/ DistributorSpecialty lines insurer. Claims: 888-523-5545, Service: 888-523-5545. Provides niche insurance products for small businesses.
• Zurich InsurancecoreChannel Partner/ Reseller/ DistributorGlobal insurance company. Claims: 1-800-987-3373, Service: 1-800-382-2150. Provides commercial and specialty insurance worldwide.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk-management firm with a substantial retail agency network that places small commercial and personal lines through independent agency partners. Competes for the same SMB book of business and serves as a likely roll-up consolidator profile for agencies Engler & Oberbroeckling's size.
• GEICO: Direct-to-consumer auto and home insurer with national advertising spend that consistently pressures independent agency economics on personal auto – historically the highest-volume line for small-town agents like Engler & Oberbroeckling. Relevant incumbent competitor for Tri-State personal auto and home shoppers.
• Brown & Brown: Publicly traded insurance brokerage that has historically grown through tuck-in acquisitions of independent agencies. Operates the same multi-carrier agency model with both personal and commercial lines, and competes for similar small-business and family clients in regional markets – a relevant incumbent acquirer and direct competitor for producer talent.
• State Farm Mutual Automobile Insurance Company: Captive agency insurer with extremely dense agent representation across the Midwest, competing head-to-head for personal auto, home, and life customers. While not an independent agency like Engler & Oberbroeckling, it is the primary incumbent competitor for the local personal-lines customer base.
• HUB International: Large North American insurance brokerage that acquires and partners with independent retail agencies across the Midwest. Operates the same agency-of-record model representing multiple carriers and earning commissions, but at scale and with middle-market and commercial lines emphasis – highly relevant as a potential acquirer or strategic partner for a small-town independent like Engler & Oberbroeckling.

Direct peers

• Acuity Insurance: Regional P&C carrier headquartered in Wisconsin that distributes through independent agents across the Midwest. Acuity is one of Engler & Oberbroeckling's represented carrier partners, but also competes in adjacent markets with its own preferred-agent relationships for the same Tri-State customer base.
• Celina Insurance Group: Mutual property and casualty insurer serving Midwest independent agents. Also listed as a represented carrier partner, but operates its own agent relationships in farm, home, and small-business lines, making it both a supplier and an indirect competitor for the same Dubuque-area book.
• Country Financial (Country Companies): Regional mutual insurer and agency group serving Midwestern farmers, families, and small businesses through exclusive and multi-line agents. Directly competes with Engler & Oberbroeckling in the Tri-State area for farm, auto, home, and life insurance customers, with a comparable relationship-driven distribution model.
• Grinnell Mutual: Midwest regional mutual insurer that distributes through independent agents in Iowa, Illinois, and Wisconsin. Already a represented carrier partner of Engler & Oberbroeckling, but also competes for the same farm, home, and small-business insurance customers via other agencies in the Tri-State footprint.

Emerging players

• Lemonade Inc. DTC insurtech offering renters, home, auto, pet, and life insurance entirely through a mobile app. Represents the structural threat to small-town independent agencies by providing instant digital quotes, no-agent servicing, and lower acquisition costs – relevant as the disruptive channel that pulls personal-lines shoppers away from traditional agents.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/EnglerInsurance
• Facebookfacebook.com/englerinsurance
• LinkedInlinkedin.com/company/engler-oberbroeckling-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Engler & Oberbroeckling Insurance