Hocker Family Insurance

What Hocker Family Insurance does

Hocker Family Insurance is a privately held, independent insurance agency founded in 1926 by Leland O. Hocker and currently in its fourth generation of family ownership under Cole Tynes. The agency operates from a single physical location at 115 North Main Street in Morgantown, Kentucky, with a team of five staff members, and serves individuals, families, and small to medium businesses across the Kentucky region.

The agency functions as a multi-line insurance broker rather than a carrier: it represents 15+ insurance partners (including Auto-Owners, GEICO, Progressive, Nationwide, Liberty Mutual, State Auto, Safeco, Westfield, KEMI, and others) and places policies on behalf of clients across personal lines (auto, home, health, life, liability, long-term care, pet health) and commercial lines (business auto, commercial property and liability, workers compensation, professional liability, D&O, employee benefits). Distribution is relationship-led and primarily local, conducted via in-person office visits, phone, website quote forms that route to carrier platforms, and a Facebook/Google Business Profile presence. There is no proprietary technology platform; the agency's underlying stack is a Wix-hosted marketing site plus standard carrier partner portals.

Revenue is generated almost entirely through commissions earned from carriers on new policy placements and renewals, with billing typically on a monthly premium basis. The agency has no external funding, no parent company, no institutional investors, and no disclosed M&A activity. Marketing is community-oriented and low-cost, anchored by the website, local search, and word-of-mouth in a regional Kentucky market.

Name

Hocker Family Insurance

Legal name

Hocker Family Insurance

Website

https://hockerins.com

Company type

Private

Founded year

1926

Operating status

Operating

Headcount range

1–10 employees

Short description

Hocker Family Insurance is a fourth-generation, family-owned independent insurance agency in Morgantown, Kentucky, representing 15+ carriers to place personal, commercial, and employee benefits coverage for individuals, families, and small businesses across the Kentucky region.

Ownership category

akta.pro rank

Headquarters

HQ city

Morgantown

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency representing 15+ carriers, Hocker Family Insurance earns commissions from insurance companies for policies placed on behalf of customers. Revenue is generated through commissions on new policy placements and renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Hocker Family Insurance is an independent insurance agency that places personal and commercial insurance policies on behalf of customers by representing 15+ insurance carriers. The agency evaluates customer needs and matches them with the carrier offering the best value, delivering coverage across auto, home, health, life, liability, long-term care, pet, commercial, and employee benefits lines.

Product overview

Hocker Family Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency represents 15+ carrier partners to provide world-class protection for auto, home, health, business, liability, and life insurance needs. The product portfolio centers on core insurance categories (Auto, Home, Health, Life, Commercial, Liability, Long-Term Care, Pet Health, and Employee Benefits) that can be tailored to individual and business customer requirements through the agency's carrier relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance coverage including preferred and standard auto, high risk auto, motorcycle, motor homes, camping/recreational trailers, and antique/classic cars, provided through 15+ carrier partnerships for individuals and families.
• Commercial Insurance Business insurance products including business automobile, commercial liability, commercial property, directors & officers, employment practices liability, professional liability, workers' compensation, and umbrella coverage, tailored to small and medium-sized business owners.
• Employee Benefits Group insurance and HR services for employers including group medical, dental, vision, life, disability, long-term care, employee assistance, prepaid legal, 401-K, cafeteria plans, health savings accounts, and payroll administration.
• Health Insurance Health insurance plans from multiple carriers offering various types of plans to suit individual needs and desires for personal coverage.
• Home Insurance Homeowners insurance for houses, condominiums, and renters, offering coverages to protect both property and lifestyle with responsive claims service.
• Liability Insurance Personal liability insurance that protects assets in case of accidental injury to others or property damage, including legal defense and claims payment up to policy limits.
• Life Insurance Life insurance providing financial security for surviving family members, covering purposes such as family protection, children's education, mortgage payoff, business insurance, estate taxes, burial expenses, and retirement income supplementation.
• Long-Term Care Insurance Insurance protecting assets and financial security for long-term care needs resulting from chronic illness, disability, or physical/mental impairments preventing basic daily activities.
• Pet Health Insurance Pet insurance through Figo that reimburses for dog and cat medical bills, featuring a mobile app for claim submission and additional pet management tools, with a 5% discount offered by Hocker Family Insurance.

Quantifiable outcome

• Serving thousands of individuals and families throughout the region

Named customers2 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

20 partnerships are on record, tiered core and minor.

• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorAuto-Owners Insurance is one of the carriers represented by Hocker Family Insurance. The agency offers Auto-Owners products for auto, home, and other insurance needs. Claims support: 888.252.4626. Website: auto-owners.com
• AEGISminorChannel Partner/ Reseller/ DistributorAEGIS is one of the insurance carriers represented by Hocker Family Insurance. Contact: 201.508.2600. Website: aegislink.com. Offers online claims and payments.
• American ModernminorChannel Partner/ Reseller/ DistributorAmerican Modern is one of the insurance carriers represented by Hocker Family Insurance. Contact: 855.469.2644 or 800.375.2075. Website: amig.com. Offers online claims and payments.
• Celina Insurance GroupminorChannel Partner/ Reseller/ DistributorCelina Insurance Group is one of the carriers represented by Hocker Family Insurance. Contact: 800.552.5181 or 800.231.2318. Website: celinainsurance.com. Offers online claims and payments.
• Countryway Insurance CompanyminorChannel Partner/ Reseller/ DistributorCountryway Insurance Company is one of the carriers represented by Hocker Family Insurance. Contact: 800.472.4368 or 800.828.6862. Website: countryway.com. Offers online claims and payments.
• Foremost Insurance GroupminorChannel Partner/ Reseller/ DistributorForemost Insurance Group is one of the carriers represented by Hocker Family Insurance. Contact: 800.527.3905. Website: foremost.com. Offers online claims and payments.
• GEICOcoreChannel Partner/ Reseller/ DistributorGEICO is one of the major insurance carriers represented by Hocker Family Insurance. Contact: 800.207.7847. Website: geico.com. Offers online claims and payments.
• KEMIminorChannel Partner/ Reseller/ DistributorKEMI is one of the insurance carriers represented by Hocker Family Insurance. Contact: 800.640.5364. Website: kemi.com. Offers workers compensation coverage and online claims/payments.
• Kentucky GrowersminorChannel Partner/ Reseller/ DistributorKentucky Growers is one of the carriers represented by Hocker Family Insurance, serving Kentucky region. Contact: 859.252.3439. Website: kentuckygrowers.com. Offers online claims and payments.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorLiberty Mutual Insurance is one of the major carriers represented by Hocker Family Insurance. Contact: 844.629.8984 or 800.225.2467. Website: libertymutual.com. Offers online claims and payments.
• National General InsuranceminorChannel Partner/ Reseller/ DistributorNational General Insurance is one of the carriers represented by Hocker Family Insurance. Contact: 800.847.2886 or 800.468.3466. Website: nationalgeneral.com. Offers online claims and payments.
• Nationwide InsurancecoreChannel Partner/ Reseller/ DistributorNationwide Insurance is one of the major carriers represented by Hocker Family Insurance. Contact: 877.669.6877 or 800.421.3535. Website: nationwide.com. Offers online claims and payments.
• OpenlyminorChannel Partner/ Reseller/ DistributorOpenly is one of the insurance carriers represented by Hocker Family Insurance. Contact: 857.990.9080 or 888.808.4842. Website: openly.com. Offers online claims and payments.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorProgressive Insurance is one of the major carriers represented by Hocker Family Insurance. Contact: 888.671.4405 or 800.776.4737. Website: progressive.com. Offers online claims and payments.
• Safeco InsuranceminorChannel Partner/ Reseller/ DistributorSafeco Insurance is one of the carriers represented by Hocker Family Insurance. Contact: 800.332.3226. Website: safeco.com. Offers online claims and payments.
• State AutominorChannel Partner/ Reseller/ DistributorState Auto is one of the insurance carriers represented by Hocker Family Insurance. Contact: 614.464.5000 or 800.766.1853. Website: stateauto.com. Offers online claims and payments.
• Trexis InsuranceminorChannel Partner/ Reseller/ DistributorTrexis Insurance is one of the carriers represented by Hocker Family Insurance. Contact: 877.384.7466. Website: beta.alfapolicy.com. Offers online claims and payments.
• West Bend Insurance CompanyminorChannel Partner/ Reseller/ DistributorWest Bend Insurance Company is one of the carriers represented by Hocker Family Insurance. Contact: 800.236.5010 or 877.922.5246. Website: thesilverlining.com. Offers online claims and payments.
• Westfield InsuranceminorChannel Partner/ Reseller/ DistributorWestfield Insurance is one of the carriers represented by Hocker Family Insurance. Contact: 800.243.0210. Website: westfieldinsurance.com. Offers online claims and payments.
• Figo Pet InsuranceminorChannel Partner/ Reseller/ DistributorFigo Pet Insurance is a partner for pet health insurance coverage offered through Hocker Family Insurance. The agency offers a 5% discount on Figo pet insurance policies. Figo provides reimbursement within an average of 7 days. Contact via figopetinsurance.com.

Scale indicators3 records

Recent moves4 records

Expansion highlights2 records

Emerging players

• Root Insurance: Mobile-first auto insurer using telematics-based pricing; competes for the same Kentucky personal auto customers that constitute a meaningful portion of Hocker's book.
• Lemonade: Digital-first insurtech selling renters, home, pet, and auto insurance directly to consumers via mobile app; represents the structural disintermediation threat facing small independent agencies.

Broad incumbents

• Progressive: Direct and agent-distributed P&C carrier and one of Hocker's carrier partners; its strong direct channel represents ongoing disintermediation risk for independent agents.
• State Farm: Largest U.S. personal lines insurer operating a captive agent model; competes with Hocker for the same Kentucky households and small businesses through tied agents rather than multi-carrier independent brokers.
• Allstate: National P&C carrier with captive agent distribution and growing direct-to-consumer channels; a major competitor for personal auto and home in Hocker's Kentucky territory.
• GEICO: Direct-to-consumer auto insurance carrier that Hocker also represents; competitive threat to the agency's auto book as consumers increasingly self-serve through geico.com.
• Nationwide: National multi-line carrier represented by Hocker; competes across personal and commercial lines through both captive and independent agent channels.
• Liberty Mutual: Major national P&C carrier represented by Hocker; offers both direct and agent-distributed products that overlap directly with the agency's personal and commercial book.

Direct peers

• Goosehead Insurance: Public retail insurance brokerage that distributes through a network of independent agents representing multiple carriers, directly analogous to Hocker's multi-carrier agency model, though at vastly greater scale.
• Brightway Insurance: Franchise-based retail insurance agency network that places personal and commercial lines through multiple carrier partners, structurally similar to Hocker's independent agency model but with national franchise footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/HockerInsurance?v=photos
• LinkedInlinkedin.com/company/hocker-family-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Hocker Family Insurance