Gross & Company Insurance

What Gross & Company Insurance does

Gross & Company Insurance is an independent insurance agency founded in 1925, operating from a headquarters in Passaic, New Jersey and a secondary office in New York City. The firm is structured as a privately held partnership between the agency and its customers rather than the carriers it represents, earning commission revenue by placing policies with a curated set of financially sound insurance companies on behalf of each client's specific risk profile. Its primary specialization is nonprofit organization insurance, including Directors and Officers liability, general liability, property, workers compensation, group health, and short-term event liability for religious institutions, charities, animal rescues, and other tax-exempt entities. Secondary lines serve contractors and tradespeople, condominium associations, and individual consumers seeking personal lines such as home, auto, life, and umbrella coverage.

The firm's product portfolio spans core nonprofit coverage modules, commercial packages (auto fleet, marine, bonds, professional and errors and omissions liability), travel insurance distributed through partnerships with SevenCorners and Allianz Global Assistance, and personal lines including annuities, long-term care, and disability income. The underlying technology stack is minimal: a WordPress-based website at nonprofitinsurance.co, Google Analytics for visitor tracking, and ReachLocal for retargeting advertising, with no proprietary underwriting platform, API, or digital quoting infrastructure disclosed. Distribution is sales-led, conducted via phone outreach, website quote requests, and in-person consultations, supported by long-tenured producer relationships rather than digital self-serve channels.

The go-to-market motion targets five segments — nonprofit organizations (primary), contractors and tradespeople, condo associations, individual consumers, and religious institutions — with the agency licensed to write business in 42 U.S. states plus the District of Columbia. The company competes on domain specialization in nonprofit risks, multi-carrier access, and nearly 100 years of brand longevity, but operates with a headcount of 1-10 employees, suggesting a small, relationship-driven book rather than a scaled brokerage operation.

Name

Gross & Company Insurance

Legal name

Gross & Company Insurance

Website

https://nonprofitinsurance.co

Company type

Private

Founded year

1925

Operating status

Operating

Headcount range

1–10 employees

Short description

Gross & Company Insurance is a privately held, independent insurance agency founded in 1925 that earns brokerage commissions by placing personal, commercial, and nonprofit coverage with multiple carriers, specializing in insurance for religious institutions, charities, and other tax-exempt organizations across 42 U.S. states.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Public Liability (Premises/Operations) (FSAJADAD)

akta.pro secondary industries

Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH), Umbrella Insurance (FSAJAMAK)

Keywords

• Nonprofit insurance brokerage
• Commercial insurance coverage
• Directors officers liability
• Independent insurance agency
• Personal insurance coverage

Headquarters

HQ city

Passaic

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, Others

Revenue model

1. Insurance Brokerage Commissions: Gross & Company Insurance operates as an independent insurance agency earning commissions from insurance carriers. They represent a carefully selected group of financially sound, reputable insurance companies and place policies with the best company for each customer's unique situation at a competitive price.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Gross & Company Insurance is an independent insurance agency that brokers personal, commercial, and non-profit insurance policies from a curated panel of financially sound carriers, with particular specialization in non-profit and religious-institution coverage (churches, synagogues, animal rescue, Chevra Kadisha, etc.). Their core deliverables include Directors & Officers liability, group health, general liability, property, auto, workers' compensation, contractor, condo association, and personal lines such as homeowners, life, and travel insurance, delivered through phone consultation and online quote requests.

Product overview

Gross & Company Insurance is an independent insurance agency established in 1925, specializing in commercial and nonprofit insurance coverage. The company operates as a broker representing multiple financially sound insurance companies. Their product portfolio centers on nonprofit insurance as a specialty, with the core offering being nonprofit organization coverage including Directors & Officers Liability Insurance, Group Health Insurance, and General Liability. Additional products include Commercial Insurance (auto fleet, bonds, business packages, various liability types, marine, workers compensation), Personal Insurance (annuities, homeowners, life insurance, long-term care, umbrella), Contractor Insurance, Condo Building Insurance, Travel Insurance, and Short-Term Events Liability. The company positions itself as working on behalf of clients rather than insurance companies, customizing coverage to meet specific organizational needs.

Differentiator

Problem solved

Functional benefit

Brands

• Non-Profit Insurance Specialists: A brand positioning tagline used on their website indicating their specialization in serving nonprofit organizations.

Products and services

• Non-Profit Insurance Specialty insurance package designed for non-profit organizations including religious institutions, schools, medical health centers, group homes, and food banks; covers general liability, property, and non-profit-specific organizational risks.
• Directors & Officers Liability Insurance D&O insurance that protects non-profit board members and executives from personal financial loss arising from litigation, covering defense costs and settlements for claims of wrongful acts, mismanagement, and breach of fiduciary duty; includes Side A, Side B, and Side C coverage options.
• Commercial Insurance Comprehensive business coverage including auto fleet, bonds, business packages (BOP, Builder's Risk, Commercial Property), liability (Commercial Umbrella, Contractors, D&O, Internet, Products, Professional, E&O), life & health, marine, pension plans, and workers' compensation.
• Personal Insurance Individual and family coverage including annuities/structured settlements, homeowners/tenants insurance, automobile, life insurance/disability income, long-term care, umbrella liability, viatical settlements, and workers' compensation.
• Group Health Insurance for Non-Profits Health insurance plans for non-profit organization employees covering part-time and full-time workers with options for family members; helps organizations comply with the Affordable Care Act and qualify for Small Business Health Care Tax Credits.
• Travel Insurance Trip medical insurance and worldwide medical coverage offered through distribution partnerships with SevenCorners and Allianz Global Assistance, including coverage for mission trips, kidnappings, and emergency situations during international travel.
• Contractor Insurance Insurance coverage for contractors including construction, carpentry, plumbing, electrical, landscaping, handyman, painting, snow plow, and cleaning businesses; covers bodily injuries, property damage, and equipment protection.
• Condo Building Insurance Commercial condo building insurance providing property and liability protection for condominium associations and communities, covering common areas, property insurance, general liability, and crime & fidelity.
• Short-Term Events Liability Insurance Insurance coverage for special events, fundraisers, and charitable events hosted by non-profit organizations, protecting against accidents and liability claims during short-duration gatherings.
• Mission Insurance Liability insurance specifically designed for churches and religious organizations traveling throughout the U.S. and abroad, providing coverage in emergency situations including kidnappings and medical emergencies during missions.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• SevenCornersminorChannel Partner/ Reseller/ DistributorSevenCorners is a travel insurance provider whose products are offered through Gross & Company Insurance's website. Gross & Company acts as a distribution partner for SevenCorners travel insurance products.
• Allianz Global AssistanceminorChannel Partner/ Reseller/ DistributorAllianz Global Assistance travel insurance products are offered through Gross & Company Insurance. The company distributes Allianz travel insurance as part of their personal insurance offerings.
• ReachLocalminorGTM or Marketing PartnerReachLocal assists Gross & Company Insurance with online advertising, including retargeting products that show advertisements to website visitors when they browse other sites in the ReachLocal network or third-party networks.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Goosehead Insurance: A digitally native personal and small-commercial insurance agency built on a proprietary platform with franchise distribution. Comparable to Gross & Company as a multi-carrier independent agency model, but represents the technology-enabled end of the brokerage spectrum that traditional agencies face as competitive pressure.
• Lockton Companies: Largest privately held global insurance brokerage, with deep expertise in nonprofit, religious, and human-services verticals. Comparable to Gross & Company because both broker multiple carrier relationships and serve nonprofit and commercial clients with similar product suites.
• Marsh McLennan Agency: The middle-market and specialty brokerage arm of Marsh McLennan, operating across P&C, employee benefits, and personal lines. Comparable to Gross & Company's independent agency model because both place business with multiple carriers on behalf of clients, though MMA serves a much broader commercial book.
• Acrisure: A fast-growing, tech-enabled insurance brokerage built largely through acquisition of independent agencies. Comparable to Gross & Company as both are multi-carrier brokerages; Acrisure represents the digitally scaled future that traditional independent agencies like Gross & Company may need to consolidate into.
• Arthur J. Gallagher & Co. One of the largest global insurance brokerages with dedicated nonprofit and religious-institution practice areas. Comparable to Gross & Company because it sells many of the same lines (commercial, personal, specialty, D&O, group benefits) through an independent brokerage model, but at vastly larger scale and across many more segments.
• HUB International: North American insurance brokerage with a strong middle-market and specialty practice. Comparable to Gross & Company because both operate independent agency/brokerage models placing commercial, personal, and specialty lines through multiple carriers, with HUB operating at far greater scale.

Direct peers

• Brown & Riding Insurance Services: A specialty wholesale insurance brokerage focused on niche and excess-and-surplus lines for unusual or hard-to-place risks. Comparable to Gross & Company's nonprofit practice because both rely on specialty expertise to place non-standard risks through carrier relationships that generalists cannot access.
• Church Mutual Insurance Company: The largest U.S. insurer specializing in religious organizations, schools, and camps. Directly comparable to Gross & Company's religious-institution and nonprofit segments because both package specialized coverages (mission trips, sexual misconduct, property, workers comp) for the same niche customer base.
• Nonprofits' Insurance Alliance Group: A specialty insurance group formed by and for nonprofits to provide liability coverage tailored to the sector. Directly comparable to Gross & Company because both focus exclusively on insurance products designed for nonprofit organizations, including general liability, D&O, and property coverages.
• GuideOne Insurance: A specialty insurance carrier focused on churches, faith-based organizations, and nonprofit schools. Comparable to Gross & Company because both serve religious institutions and nonprofit clients with similar coverages (property, liability, D&O, sexual misconduct) and share deep specialization in faith-based risk.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/gross-co-insurance

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 Gross & Company Insurance