Cascade Insurance Group

What Cascade Insurance Group does

Cascade Insurance Group is an independent insurance agency headquartered in Manassas, Virginia, serving individuals, families, and small-to-mid-sized businesses primarily across the Mid-Atlantic region. The agency operates a multi-line distribution model spanning personal insurance (auto, home, life), commercial insurance, and specialty products, with industry-specific programs targeted at hospitality, manufacturing, and contractor clients. Cascade holds producer licenses in six states — Virginia, Maryland, District of Columbia, Pennsylvania, West Virginia, and North Carolina — and has been continuously operating for 30+ years with roughly four decades of service in Prince William County.

The agency's core technology consists of third-party carrier platforms rather than proprietary systems. Erie Insurance functions as the primary carrier, with integrated online quoting through Erie's agent platform (Agent DD1665) and co-branded marketing support; the agency also represents Progressive, Travelers, CNA (including CNA Surety), Foremost, Hagerty (collector vehicles), Wright Insurance (flood), and Philadelphia Indemnity to round out product breadth. The business runs on a commission-based revenue model, earning both new-business and renewal commissions across its carrier panel.

Cascade's go-to-market is predominantly sales-led and relationship-driven, leveraging a 4.8/5 customer rating, a Refer-a-Friend program, content marketing via its blog, and Erie's YourTurn Rewards Program to drive acquisition and retention. The agency employs 11–50 people, operates as a privately held firm, and competes as a local independent agency against captive carriers and direct-to-consumer digital insurance platforms in the Virginia market.

Name

Cascade Insurance Group

Legal name

Cascade Insurance Group

Website

https://cawins.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Cascade Insurance Group is a Manassas, Virginia-based independent insurance agency distributing personal, commercial, and specialty lines across six Mid-Atlantic states through a multi-carrier panel anchored by Erie Insurance, serving individuals, families, and small-to-mid-sized businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Manassas

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, Infrastructure, Technology or R&D

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, Cascade Insurance Group generates revenue through commissions paid by insurance carriers for policies sold and renewed. They represent multiple insurance companies including Erie Insurance, Progressive, Travelers, and others, earning referral fees and commissions based on premium volume. The agency also earns continuation commissions on policy renewals, creating recurring revenue from their existing client base.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Cascade Insurance Group is an independent insurance agency that sells personal, commercial, and life insurance products by representing multiple carriers (Erie Insurance, Progressive, Travelers, CNA, Foremost, Hagerty, and others). The agency shops and bundles coverage from multiple carriers to find optimal protection at competitive prices for individuals, families, and small-to-medium businesses across Virginia, Maryland, Washington DC, Pennsylvania, West Virginia, and North Carolina.

Product overview

Cascade Insurance Group is an independent insurance agency offering a comprehensive portfolio of insurance products across three core lines: Personal Insurance, Business Insurance, and Life Insurance. Their personal insurance offerings include auto, homeowners, renters, and specialty coverages (ATV, boat, motorcycle, RV, snowmobile, collector car, valuable items, rental property, and umbrella insurance). Business insurance products encompass commercial property, general liability, workers' compensation, cyber liability, professional liability, business interruption, and industry-specific coverages (hospitality, manufacturing, restaurant, technology). Life insurance includes term, whole, and universal life policies along with disability, dental, and final expense insurance. The agency operates primarily as a broker for Erie Insurance while representing multiple carriers including Progressive, Travelers, CNA, Foremost, and Hagerty. The company also provides an online Policy Service Center for claims filing, payments, and policy management.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Comprehensive personal insurance coverage for individuals and families protecting vehicles, homes, personal property, recreational vehicles, and providing liability protection. Includes auto, homeowners, renters, condo, flood, earthquake, motorcycle, boat, ATV, RV, snowmobile, valuable items, and personal umbrella coverages.
• Auto Insurance Vehicle insurance coverage required by law, offering protection against accidents, liability, property damage, and uninsured/underinsured drivers for individual drivers and families.
• Homeowners Insurance Insurance protecting the most expensive purchase most people make, covering property damage, personal possessions, and personal liability on the insured property for homeowners.
• Renters Insurance Coverage for tenants renting homes, apartments, condos, or duplexes, protecting personal possessions and providing personal liability protection.
• Personal Umbrella Insurance Additional liability coverage above and beyond auto, home, and other personal insurance policies, protecting personal assets when standard liability limits are exceeded.
• Boat & Marine Insurance Specialty coverage for boats, watercraft, and marine vehicles protecting against damage, liability, and theft on the water.
• Condominium Insurance Coverage for condominium owners protecting personal possessions, interior improvements, and liability within the unit.
• Flood Insurance Specialty flood insurance coverage for property owners in FEMA flood zones protecting against flood damage not covered by standard homeowners policies.
• Earthquake Insurance Specialty coverage for property owners in seismic risk areas protecting against earthquake damage not covered by standard homeowners policies.
• Motorcycle Insurance Specialty vehicle insurance for motorcycles, ATVs, snowmobiles, and other recreational vehicles protecting against damage, liability, and theft.
• Business Insurance Comprehensive commercial insurance solutions protecting small-to-medium businesses from operational risks, liability claims, property damage, workers' compensation, cyber incidents, and financial losses. Includes BOP, commercial auto, hospitality, manufacturers, and surety bonds.
• Commercial Property Insurance Protection for business facilities, equipment, inventory, fixtures, and signage against damage from storms, fire, theft, or vandalism.
• General Liability Insurance Coverage protecting businesses from claims of bodily injury, property damage, personal injury, and advertising errors arising from business operations.
• Workers' Compensation Insurance State-mandated coverage providing medical treatment and partial wage reimbursement for workers injured on the job.
• Cyber Liability Insurance Business insurance covering costs associated with data breaches, ransomware attacks, business interruption from cyber incidents, and regulatory fines.
• Professional Liability (E&O) Insurance Coverage protecting professionals against claims of negligence, misrepresentation, errors, and failure to render services.
• Business Interruption Insurance Coverage compensating businesses for lost revenue and operating expenses during periods when operations must cease following a disaster.
• Commercial Auto Insurance Coverage for business-owned vehicles, fleet vehicles, and commercial truck operations protecting against accidents, liability, and property damage.
• Commercial Umbrella Insurance Excess liability coverage above and beyond general liability, commercial auto, and other business policies for catastrophic claim scenarios.
• Business Owners Package (BOP) Insurance Bundled insurance package combining commercial property, general liability, and business interruption coverage into a single policy for small businesses.
• Surety Bonds Contract bonds, commercial bonds, and fidelity bonds for businesses with contractual bonding obligations, particularly contractors and regulated industries.
• Life & Health Insurance Individual life insurance, disability insurance, dental insurance, and final expense/burial insurance products designed to protect families' financial futures against death, disability, and healthcare costs.
• Individual Life Insurance Policies including Term, Universal, and Whole Life insurance providing death benefits to cover burial expenses, debts, mortgage protection, and family financial security.
• Individual Disability Insurance Income protection insurance providing benefits when a business owner or executive cannot work due to illness or injury.
• Individual Dental Insurance Dental coverage plans including HMO, PPO, and indemnity options to help individuals and families manage oral healthcare costs.
• Final Expense Insurance Policy designed to cover end-of-life costs including funeral expenses, burial costs, and accumulated debts.

Quantifiable outcome

• Free comparative quotes from multiple insurance carriers
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered primary and supporting.

• Erie InsuranceprimaryChannel Partner/ Reseller/ DistributorErie Insurance is Cascade Insurance Group's primary carrier partner, specializing in auto, home, business, and life insurance. Founded in 1925, Erie Insurance is known for financial strength and superior customer service. Cascade serves as an independent Erie Insurance agency, offering comparative quotes and policy servicing. The partnership includes co-branded marketing materials, online quoting integration, and access to Erie's YourTurn Rewards Program for safe driving.
• AIC - Agency Insurance CompanysupportingChannel Partner/ Reseller/ DistributorAmerican International Company subsidiary offering property and casualty insurance products distributed through independent agents like Cascade Insurance Group.
• CNA SuretysupportingChannel Partner/ Reseller/ DistributorLeading surety bond provider offering contract bonds, commercial bonds, and fidelity bonds through independent agents.
• Foremost Insurance GroupsupportingChannel Partner/ Reseller/ DistributorSpecialty insurer offering coverage for mobile homes, motor homes, travel trailers, off-road vehicles, and watercraft through independent agents.
• Hagerty InsurancesupportingChannel Partner/ Reseller/ DistributorSpecialty insurance provider for classic, collector, and vintage vehicles, offered through independent agents like Cascade.
• The Progressive CorporationsupportingChannel Partner/ Reseller/ DistributorMajor personal and commercial auto insurance carrier known for competitive pricing and direct-to-consumer options, also distributed through independent agents.
• The Wright Insurance Group (Wright Flood)supportingChannel Partner/ Reseller/ DistributorSpecialty flood insurance provider offering coverage through independent insurance agents across FEMA flood zone areas.
• The Travelers Indemnity CompanysupportingChannel Partner/ Reseller/ DistributorMajor property and casualty insurer offering business and personal insurance products through independent agents.
• Philadelphia Indemnity Insurance CompanysupportingChannel Partner/ Reseller/ DistributorSpecialty insurance company offering professional liability, management liability, and property coverage through independent agents.
• CNAsupportingChannel Partner/ Reseller/ DistributorMajor commercial lines insurer offering business insurance products including property, casualty, and professional liability coverage through independent agents.
• Foremost AutosupportingChannel Partner/ Reseller/ DistributorAuto insurance specialty division of Foremost Insurance Group, offering coverage through independent insurance agents.
• Independent Insurance Agents and Brokers of Virginia (IIAV)supportingOthersState association representing independent insurance agents in Virginia. Provides advocacy, education, and networking resources for member agencies.
• Professional Insurance Agents Association of Virginia and DC (PIA of VA & DC)supportingOthersTrade association providing continuing education, legislative advocacy, and professional development for insurance agents in Virginia and Washington DC.
• Prince William County Chamber of CommercesupportingOthersLocal chamber of commerce representing businesses in Prince William County, Virginia. Supports local business networking and community engagement.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Erie Insurance: Major regional P&C and life insurer founded in 1925 and Cascade's primary carrier partner. Sells exclusively through independent agents like Cascade; relevant as the upstream carrier whose commission economics and product strategy directly shape Cascade's business.
• The Hartford: Large national P&C carrier with a strong small-commercial insurance franchise distributed through independent agents. Comparable to Cascade in serving the SMB commercial market through agency partnerships.
• State Farm: Largest US personal lines insurer with a captive agent sales force. While State Farm uses captive agents rather than independent ones, it competes for the same Virginia/Mid-Atlantic personal and small commercial customers Cascade serves.
• Travelers: Major national P&C insurer offering personal and commercial insurance through independent agents. Cascade is one of its appointed independent agencies, making Travelers a direct carrier-side peer in the same distribution model.

Emerging players

• SmartFinancial Insurance: Digital-first independent insurance agency platform with proprietary quoting technology and call-center operations. Comparable to Cascade as an independent agency, but competes more aggressively on digital experience and scale.
• Policygenius: Online insurance marketplace focused on life and disability insurance, increasingly expanding into P&C. Represents the digital-first competitive threat to traditional independent agencies like Cascade, particularly in life insurance.
• Lemonade: Direct-to-consumer insurtech offering renters, homeowners, auto, and pet insurance through an AI-driven mobile experience. A long-term structural competitor for personal lines customers who might otherwise use an independent agent.

Direct peers

• Brightway Insurance: Franchised independent insurance agency chain offering home, auto, and business insurance through multiple carrier partners. Closely mirrors Cascade's multi-carrier agency model, though operates through a franchise/storefront system across the Southeast US.
• Goosehead Insurance: Independent insurance agency franchise operating a multi-carrier comparative-shopping model across personal and commercial lines. Highly comparable to Cascade's independent agent model, though Goosehead is significantly larger and publicly traded.

Others

• Trusted Choice: National brand and network of independent insurance agents operated by the Independent Insurance Agents & Brokers of America. Cascade, as an independent agent, is a candidate member/affiliate of this network; relevant as an industry peer association.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Cascade Insurance Group