Cosaint Insurance

What Cosaint Insurance does

Cosaint Insurance (legal entity CoSaint Financial, LLC) is an independent, full-service, multi-line insurance agency headquartered in Charlotte, North Carolina, with a second office in Fort Mill, South Carolina. The firm represents over 20 leading insurance carriers across personal lines (homeowners, auto, motorcycle, boat, RV/ATV, life, umbrella, condo, renters) and commercial lines (commercial property, commercial auto and fleet, Business Owners Policies, general and professional liability, commercial umbrella, workers compensation), plus specialty products such as Wedding Insurance, Classic Auto Insurance, and Identity Fraud Expense Coverage. Its core technology is described as an insurance shopping and comparison platform that allows agents to shop rates across multiple carrier systems to surface competitive options for clients.

Name

Cosaint Insurance

Legal name

CoSaint Financial, LLC

Website

https://cosaintinsurance.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Cosaint Insurance is an independent, multi-line insurance agency in Charlotte, NC and Fort Mill, SC that represents over 20 leading carriers to provide personal and commercial insurance products to local individuals, families, and small-to-medium businesses.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Multi-carrier insurance comparison
• Property and casualty insurance

Headquarters

HQ city

Charlotte

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, Infrastructure, Technology or R&D, Others

Revenue model

1. Insurance Commission Revenue: CoSaint Insurance operates as an independent insurance agency that earns commissions from insurance carriers when policies are sold and renewed. As an independent agency representing multiple insurance companies (over 20 carriers), they receive commission payments from each carrier based on the policies placed with them. Revenue is generated through new policy sales and renewal commissions on existing customer policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Cosaint Insurance is a full-service, multi-line independent insurance agency that sells personal and commercial insurance policies on behalf of more than 20 leading insurance carriers. It shops and compares coverage and pricing across its carrier network for individuals, families, and small-to-medium businesses in the Charlotte, NC and Fort Mill, SC metro areas, with dedicated agents providing quotes, ongoing policy service, and claims support. Revenue is generated through commissions paid by carriers on new and renewal policies.

Product overview

Cosaint Insurance is a full-service, multi-line independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency represents over 20 leading insurance carriers and provides shopping and advisory services to help clients find optimal coverage. Personal insurance offerings include Homeowners, Condo, Renters, Auto, Motorcycle, Boat, RV & ATV, Life, and Umbrella Insurance. Commercial lines include Commercial Property, Commercial Auto & Fleet, Business Owners Policies (BOP), General & Professional Liability, Commercial Umbrella, and Workers Compensation Insurance. The agency also offers specialty products such as Wedding Insurance and Classic Auto Insurance, plus add-on endorsements like Identity Fraud Expense Coverage through Travelers. As part of Highstreet Insurance Partners, the agency leverages its network to provide competitive quotes across multiple carriers for both individuals and businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners & Property Insurance Coverage for homes, condos, and townhomes protecting against damage, robbery, vandalism, and covering personal belongings, available through the agency's independent carrier network.
• Auto Insurance Vehicle coverage mandated by the state, protecting against damage, theft, property damage, and bodily injury liability for drivers and family members.
• Motorcycle Insurance Protection for motorcycles against theft, damage, injury liability, and coverage for riders and family members.
• Boat Insurance Coverage protecting boats, motors, trailers, and equipment against loss, plus liability for injuries caused by boat operators.
• RV & ATV Insurance Coverage for recreational vehicles and all-terrain vehicles against damage and liability, with policies tailored for road use or rural exploration.
• Life Insurance Personal life insurance coverage for families and individuals.
• Umbrella Insurance Additional liability coverage extending over underlying policies (homeowners, auto, boat, motorcycle) to protect against catastrophic losses, with limits from $1 million to $10 million.
• Commercial Property Insurance Business property coverage against fire, theft, and covered perils for buildings and business personal property.
• Commercial Auto & Fleet Insurance Liability and physical damage coverage for commercial vehicles, trucking, transportation industry, and fleet operations.
• Business Owners Policies (BOP) Comprehensive insurance policies combining property, liability, building, and loss of income coverage for small and medium-sized businesses in a single policy.
• General & Professional Liability Insurance Coverage protecting businesses against claims of negligence, personal injury, and professional liability exposures.
• Commercial Umbrella Insurance Additional liability coverage layer on top of underlying commercial policies, typically $1M to $5M, protecting against litigation and large jury awards.
• Workers Compensation Insurance State-mandated coverage for businesses paying medical bills for employees injured on the job.
• Classic Auto Insurance Specialized coverage for classic and antique automobiles with flexible mileage options and tailored policies through carriers like Safeco, Hartford, Hagerty, and Grundy.
• Wedding Insurance Coverage protecting wedding investments against postponements, vendor bankruptcies, dress damage, venue disasters, and liability during receptions through the Wedding Protection Plan from Travelers.

Quantifiable outcome

• Continuously shops insurance across all carriers throughout the policy term, not just at renewal

Named customers5 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

19 partnerships are on record, tiered core and minor.

• Highstreet Insurance PartnerscoreStrategic or Co-development PartnerCoSaint Insurance is a proud part of Highstreet Insurance Partners, one of the largest Insurance Brokerages in the country. This affiliation provides CoSaint with national scale and resources while maintaining local agency autonomy and brand identity.
• Bankers InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by CoSaint Insurance for personal and commercial insurance products. CoSaint sells Bankers Insurance policies as part of their carrier network offering.
• GrundycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in classic auto insurance, represented by CoSaint Insurance. CoSaint sells Grundy policies to classic car enthusiasts in the Charlotte/Fort Mill area.
• HagertycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in classic auto insurance, represented by CoSaint Insurance. Hagerty is known for classic car and collector vehicle insurance coverage.
• The HartfordcoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner represented by CoSaint Insurance for various personal and commercial insurance products.
• ForemostcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by CoSaint Insurance. Foremost specializes in various insurance products including specialty lines.
• MetLife Home and AutocoreChannel Partner/ Reseller/ DistributorMetLife home and auto insurance carrier partner represented by CoSaint Insurance, offering personal insurance products through their carrier network.
• Metropolitan LifecoreChannel Partner/ Reseller/ DistributorMetropolitan Life insurance carrier partner represented by CoSaint Insurance for life insurance and related products.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national auto and personal lines insurance carrier partner represented by CoSaint Insurance.
• SafecocoreChannel Partner/ Reseller/ DistributorSafeco Insurance (Liberty Mutual) carrier partner represented by CoSaint Insurance for personal insurance products including auto and home coverage. Safeco provides ID theft protection resources.
• St. JohnscoreChannel Partner/ Reseller/ DistributorSt. Johns Insurance carrier partner represented by CoSaint Insurance for personal insurance products.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers Insurance carrier partner represented by CoSaint Insurance. Travelers offers wedding insurance products (Wedding Protection Plan) and identity fraud expense coverage that CoSaint distributes.
• Humane Society of CharlotteminorStrategic or Co-development PartnerCoSaint partners with the Humane Society of Charlotte for community events like Save A-Paw Day, promoting animal adoptions, vaccinations, and donations.
• K9's UnleashedminorStrategic or Co-development PartnerPartner in Save A-Paw Day community event supporting animal rescue and adoption initiatives in the Charlotte area.
• Carolina Premier BankminorStrategic or Co-development PartnerCommunity partner in Save A-Paw Day event and local real estate/housing market community initiatives.
• Safe Animal HavenminorStrategic or Co-development PartnerAnimal rescue organization partner in community charity events hosted by CoSaint Insurance.
• Animal CoalitionminorStrategic or Co-development PartnerAnimal rescue coalition partner in CoSaint's community charitable initiatives.
• Pet Supplies PlusminorStrategic or Co-development PartnerCommunity partner hosting Save A-Paw Day event at Pet Supplies Plus location in Charlotte.
• Folger SubaruminorStrategic or Co-development PartnerLocal business sponsor and partner in community events organized by CoSaint Insurance.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm (NYSE: AJG) with significant retail brokerage operations across personal and commercial lines. Comparable in multi-carrier brokerage model, but operates at global scale with deeper specialty and enterprise capabilities.
• HUB International: Large North American insurance brokerage that has rolled up hundreds of independent agencies, including in the Carolinas. Comparable in offering personal, commercial, and specialty insurance via multi-carrier access, but at far greater scale and with deeper specialty expertise.
• Highstreet Insurance Partners: Cosaint's parent organization and one of the largest independent insurance brokerages in the U.S. Directly comparable business model: aggregating independent agencies under a national platform with multi-carrier distribution and back-office scale. As Cosaint's parent, it provides both competitive context and the strategic backdrop for Cosaint's growth.
• Brown & Brown: Public insurance brokerage (NYSE: BRO) built through acquisition of independent agencies, offering personal and commercial lines across the U.S. Comparable in agency-led distribution model and product breadth, though much larger and more diversified.
• Acrisure: One of the largest insurance brokerages in the world, built by acquiring independent agencies (many in the Carolinas) and layering technology on top. Comparable in multi-carrier retail brokerage model, with the added dimension of being a private-equity-backed aggregator that competes for the same agency acquisition pipeline.
• Hilb Group: Mid-Atlantic-based insurance brokerage that has aggregated independent agencies across the eastern U.S. Comparable in multi-carrier personal and commercial brokerage model, particularly relevant as a potential roll-up acquirer in Cosaint's region.
• State Farm (captive agent model): Largest U.S. personal-lines insurer, distributing through captive agents who compete directly with independent agencies like Cosaint for auto, home, and life customers in the Charlotte market. Comparable in local-agent-led personal-lines distribution model, but with single-carrier concentration.

Direct peers

• Brightway Insurance: Independent insurance franchise agency representing multiple carriers and serving individuals and small businesses across the Southeast U.S. Directly comparable model: multi-carrier agency offering personal and commercial lines with a local entrepreneur-led footprint.
• Insurance Office of America: Independent insurance agency offering personal, commercial, and life insurance across multiple U.S. regions via multi-carrier representation. Comparable in family-/entrepreneur-led ownership, multi-carrier distribution, and full-service personal-and-commercial product mix.
• Goosehead Insurance: Public independent insurance agency franchise (Nasdaq: GSHD) operating a multi-carrier comparison-shopping model similar to Cosaint's core proposition. Goosehead validates the unit economics of independent, choice-based distribution and serves as the closest scaled analog for Cosaint's GTM.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CosaintInsurance
• LinkedInlinkedin.com/company/cosaint-insurance
• Xx.com/CoSaint_Ins

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Cosaint Insurance