Cosaint Insurance
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.
- Company typePrivate
- Founded1994
- HeadquartersCharlotte, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
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.
Cosaint Insurance firmographics
Firmographics- 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
Cosaint Insurance industry classification
Industry- 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
Where Cosaint Insurance is headquartered
LocationHeadquarters
- HQ city
- Charlotte
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Cosaint Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Others
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Quote-based pricing across multiple carriers |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Cosaint Insurance product offering
Product offeringCore 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
Companies that use Cosaint Insurance
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Cosaint Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Cosaint Insurance partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core and minor.
- Highstreet Insurance PartnerscoreCoSaint 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 InsurancecoreInsurance carrier partner represented by CoSaint Insurance for personal and commercial insurance products. CoSaint sells Bankers Insurance policies as part of their carrier network offering.
- GrundycoreInsurance 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.
- HagertycoreInsurance carrier partner specializing in classic auto insurance, represented by CoSaint Insurance. Hagerty is known for classic car and collector vehicle insurance coverage.
- The HartfordcoreMajor national insurance carrier partner represented by CoSaint Insurance for various personal and commercial insurance products.
- ForemostcoreInsurance carrier partner represented by CoSaint Insurance. Foremost specializes in various insurance products including specialty lines.
- MetLife Home and AutocoreMetLife home and auto insurance carrier partner represented by CoSaint Insurance, offering personal insurance products through their carrier network.
- Metropolitan LifecoreMetropolitan Life insurance carrier partner represented by CoSaint Insurance for life insurance and related products.
- ProgressivecoreMajor national auto and personal lines insurance carrier partner represented by CoSaint Insurance.
- SafecocoreSafeco 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. JohnscoreSt. Johns Insurance carrier partner represented by CoSaint Insurance for personal insurance products.
- TravelerscoreTravelers 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 CharlotteminorCoSaint partners with the Humane Society of Charlotte for community events like Save A-Paw Day, promoting animal adoptions, vaccinations, and donations.
- K9's UnleashedminorPartner in Save A-Paw Day community event supporting animal rescue and adoption initiatives in the Charlotte area.
- Carolina Premier BankminorCommunity partner in Save A-Paw Day event and local real estate/housing market community initiatives.
- Safe Animal HavenminorAnimal rescue organization partner in community charity events hosted by CoSaint Insurance.
- Animal CoalitionminorAnimal rescue coalition partner in CoSaint's community charitable initiatives.
- Pet Supplies PlusminorCommunity partner hosting Save A-Paw Day event at Pet Supplies Plus location in Charlotte.
- Folger SubaruminorLocal business sponsor and partner in community events organized by CoSaint Insurance.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
Cosaint Insurance competitors and assessment
Company assessmentBroad 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
Cosaint Insurance social profiles
Digital presenceCosaint Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cosaint Insurance leadership team
Management profileNumber of profiles
Profiles4 records
Cosaint Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cosaint Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cosaint Insurance
What does Cosaint Insurance do?
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.
Is Cosaint Insurance a public or private company?
Cosaint Insurance is a private company. It is classified as family owned and is currently operating.
When was Cosaint Insurance founded?
Cosaint Insurance was founded in 1994. It employs 1 to 10 people.
Where is Cosaint Insurance based?
Cosaint Insurance is headquartered in Charlotte, United States, in the North America region.
How does Cosaint Insurance make money?
One revenue line is on record: insurance Commission Revenue.
Who are Cosaint Insurance's main competitors?
Broad incumbents on record are Arthur J. Gallagher & Co., HUB International, Highstreet Insurance Partners, Brown & Brown, Acrisure, Hilb Group and State Farm (captive agent model). Direct peers are Brightway Insurance, Insurance Office of America and Goosehead Insurance.
Does Cosaint Insurance have an API?
No public API is recorded for Cosaint Insurance.
What industry is Cosaint Insurance in?
Cosaint Insurance's product category is Independent Insurance Brokerage. Its primary akta.pro industry code is FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 5242 and its SIC code is 6411.