Cleveland Insurance

What Cleveland Insurance does

Cleveland Insurance is a privately held regional independent insurance agency operating as a division of Omega One Insurance Group, headquartered at 2625 Ralph Buckner Blvd NE in Cleveland, Tennessee. The firm traces its origins to 1927, when Kathleen and TB Isbell founded the TB Isbell Insurance Agency in Riceville, Tennessee to serve families, farmers, and business owners with home, auto, and life insurance. Today, the company operates as an independent agency that shops, reviews, and compares policies across nine carrier partners (Auto-Owners, Erie, Progressive, Celina, Dairyland, Grange, Haulers, State Auto, and Trexis) on behalf of customers, functioning as an insurance advisor rather than a captive agent or carrier.

The product portfolio is organized around four primary insurance lines: car insurance, home insurance, life insurance, and business insurance. The business insurance line is the most diversified, encompassing eight specialized sub-products covering commercial property, general liability, commercial auto, workers' compensation, business interruption, cyber liability, professional liability, and umbrella coverage. Personal lines span term life, whole life, final expense, auto liability and physical damage, and standard homeowners coverages. Ancillary services include certificate of insurance (COI) requests delivered within one business day, online policy change requests, and direct carrier portal integration for bill payment and claims filing across all nine carrier partners. From a technology perspective, the company's stack is a standard independent agency website plus per-carrier portal integrations; there is no proprietary platform architecture, mobile app, public API, or AI/ML layer evidenced in the source material.

The company makes money through carrier commissions on policies placed and renewed, a recurring revenue model tied to its in-force book of business. Go-to-market is sales-led and relationship-driven, combining online quote forms, phone and text sales, online sales specialization, and in-person office consultations during standard business hours (Monday-Friday 9am-5pm). Customer segments span individuals and families purchasing personal lines plus small-to-medium businesses in Tennessee, Georgia, and North Carolina, with concentration on Bradley County and Cleveland, Tennessee. Ownership is concentrated in the founding family line: co-founders and Managing Partners Jimmy Hill and Steven Shelton are great-nephews of TB and Kathleen Isbell and run the agency alongside a team including a CFO/Director of Operations, a community outreach director, and licensed insurance advisors across personal, commercial, and online sales specializations.

Name

Cleveland Insurance

Legal name

Cleveland Insurance, a division of Omega One Insurance Group

Website

https://clevelandins.com

Company type

Private

Founded year

1927

Operating status

Operating

Headcount range

11–50 employees

Short description

Cleveland Insurance is a privately held regional independent insurance agency (a division of Omega One Insurance Group) that shops and compares home, auto, life, and business insurance policies across nine carriers for individual families and small businesses in Tennessee, Georgia, and North Carolina.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial insurance coverage
• Home auto life insurance
• Multi-carrier insurance broker

Headquarters

HQ city

Cleveland

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

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, Cleveland Insurance earns commissions from insurance carriers (Auto-Owners Insurance, Erie Insurance, Progressive Insurance, Celina Insurance, Dairyland Insurance, Grange Insurance, Haulers Insurance, State Auto Insurance, Trexis Insurance) for policies placed on behalf of clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Cleveland Insurance is an independent insurance agency that shops quotes from multiple top-rated insurance carriers (Auto-Owners, Erie, Progressive, Celina, Dairyland, Grange, Haulers, State Auto, and Trexis) on behalf of customers. It places home, auto, life, and business insurance policies and provides ongoing advisory, policy servicing, COI requests, and claims support across Tennessee, Georgia, and North Carolina.

Product overview

Cleveland Insurance is a division of Omega One Insurance Group operating as an independent insurance agency since 1927. The company offers a single integrated insurance advisory service rather than a platform architecture, providing personalized insurance solutions by shopping quotes across multiple carrier partners (Auto-Owners, Erie, Progressive, Celina, Dairyland, Grange, Haulers, State Auto, and Trexis). The core product portfolio consists of four primary insurance lines—Car Insurance, Home Insurance, Life Insurance, and Business Insurance—supplemented by ancillary services including COI requests, policy change requests, and claims submission assistance. Business Insurance is the most comprehensive offering, encompassing seven specialized sub-products (Commercial Property, General Liability, Commercial Auto, Workers' Compensation, Business Interruption, Cyber Liability, Professional Liability, and Umbrella Insurance). The company positions itself as an insurance advisor and partner, comparing coverage options across its carrier network to deliver customized plans at competitive pricing.

Differentiator

Problem solved

Functional benefit

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorTop-rated insurance carrier offering auto, home, and other insurance products. Cleveland Insurance shops coverage options through Auto-Owners as part of their independent agency model, providing customers with competitive options.
• Erie InsurancecoreChannel Partner/ Reseller/ DistributorAward-winning insurance carrier featured prominently on Cleveland Insurance's website. Provides auto, home, and other insurance products through the independent agency channel.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier that Cleveland Insurance partners with to offer auto, home, and other insurance products to customers seeking competitive coverage options.
• Celina InsuranceminorChannel Partner/ Reseller/ DistributorRegional insurance carrier providing various insurance products. Listed in the company directory for bill payment and customer service access.
• Dairyland InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier available through Cleveland Insurance for customer coverage needs. Listed in the company directory for bill payment services.
• Grange InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner available for customer coverage needs. Included in the company directory for bill payment and claims processing.
• Haulers InsuranceminorChannel Partner/ Reseller/ DistributorSpecialized insurance carrier partnered with Cleveland Insurance for specific coverage needs. Listed in the company directory.
• State Auto InsuranceminorChannel Partner/ Reseller/ DistributorRegional insurance carrier available through Cleveland Insurance for customer coverage options. Included in the company directory.
• Trexis InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner available through Cleveland Insurance. Listed in the company directory for bill payment and claims submission.
• Omega One Insurance GroupcoreStrategic or Co-development PartnerParent company of Cleveland Insurance. A Tennessee-based privately owned regional independent insurance firm co-founded by Jimmy Hill and Steven Shelton (great nephews of original founders TB and Kathleen Isbell). Cleveland Insurance operates as a division of Omega One Insurance Group.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Brown & Brown: Large publicly traded insurance brokerage and agency that places personal and commercial coverage through multiple carriers. Shares the core business model of generating commission revenue by matching clients with carrier partners across P&C, life, and benefits lines.
• Integrity Marketing Group: Large independent marketing organization (IMO) that supports thousands of independent insurance agents across life, health, and P&C lines. Operates in the same channel (independent agencies placing carrier business) and competes for high-performing agents and agencies in the same Southeast US footprint.
• Hub International: Major insurance brokerage providing property, casualty, life, and employee benefits brokerage services through regional offices. Operates a similar model to Cleveland Insurance at larger scale and serves many of the same small and mid-sized commercial clients in the US.
• Goosehead Insurance: Public independent insurance agency that shops dozens of carriers on behalf of personal and commercial clients via a franchised agent model. Closest publicly traded peer to Cleveland Insurance's multi-carrier independent agency model across home, auto, life, and business lines.
• Acrisure: Large global insurance brokerage that has rapidly acquired independent agencies, including many in personal and commercial lines. Directly comparable multi-carrier agency/brokerage model with similar revenue mix and geographic roll-up strategy.

Broad incumbents

• Auto-Owners Insurance: Mutual P&C carrier distributing exclusively through independent agents and a key Cleveland Insurance carrier partner. A comparable carrier-side organization operating in the same multi-line personal and commercial segments in the Southeast.
• State Farm: Largest US personal lines insurer with a captive agent force reaching the same households Cleveland Insurance serves. Competes head-to-head for home, auto, and life customers in the Southeast through locally owned agent offices.
• Erie Insurance: Regional P&C carrier that distributes primarily through independent agents, of which Cleveland Insurance is one. Overlap in target customers and line emphasis (auto, home, life), and Erie is both a partner and indirect competitor for the same household accounts.
• Allstate: Large national personal lines carrier with a captive/exclusive agent distribution model competing for the same home and auto customers in Tennessee, Georgia, and North Carolina. Comparable value chain (carrier + agency distribution) but larger scale and exclusive rather than independent agency model.

Emerging players

• GEICO: Direct-to-consumer personal lines insurer competing for the same household auto and home buyers in TN/GA/NC, often on price rather than advisory service. Represents the direct distribution channel eating into the addressable market for traditional independent agencies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/clevelandins
• LinkedInlinkedin.com/company/cleveland-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Cleveland Insurance