Hupe Insurance Services

What Hupe Insurance Services does

Hupe Insurance Services is an independent, family-owned insurance agency headquartered at 7011 Stellhorn Road in Fort Wayne, Indiana. Founded in 1981 by Roger Hupe and now operating under second-generation leadership with Matt Hupe, the firm functions as a multi-line broker connecting clients with 13+ insurance carriers including Erie, Progressive, Liberty Mutual, Geico, Hastings Mutual, Indiana Farmers, West Bend, Ohio Mutual, Foremost, Encova, Selective, American Modern, and Central. The agency is licensed in Indiana, Ohio, Michigan, and Virginia.

The firm's product portfolio spans over 100 distinct insurance offerings across four core categories: personal insurance (auto, home, life, classic car, RV, umbrella, and specialty lines such as flood, earthquake, pet, wedding, and identity theft), business insurance (BOP, general liability, commercial auto, workers' compensation, commercial property, cyber liability, D&O, E&O, and commercial umbrella), industry-specific commercial coverage (contractor, pest control, garage repair, food truck, landscaping, restaurant, and technology), and employee benefits (group health, dental, vision, disability, voluntary benefits, FSA/HSA, EAP) and Medicare solutions (Advantage, Part D, supplemental). Distribution is sales-led via licensed agents at the Fort Wayne office, supplemented by phone, email, online quote requests, a Refer Us referral program, an iOS mobile app for policy servicing, and a Facebook presence. Recognition includes inclusion in the Independent Insurance Agents of America Best Practices Study.

The business model is commission-based: revenue is earned from carriers on policies sold, bound, and renewed, with pricing custom-quoted per customer based on coverage, risk profile, and carrier selection. There is no disclosed revenue, no funding events, and no acquisitions; the company is privately held with a team of approximately 15 named personnel across personal lines, commercial lines, life/group health/Medicare, and administrative roles.

Name

Hupe Insurance Services

Legal name

Hupe Insurance Services

Website

https://hupe-insurance.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

11–50 employees

Short description

Hupe Insurance Services is a family-owned independent insurance agency founded in 1981 in Fort Wayne, Indiana, connecting individuals, families, and small/mid-sized businesses in IN, OH, MI, and VA with 13+ insurance carriers across personal, commercial, employee benefits, and Medicare lines.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industry

Group AD&D (Standalone or Bundled with Life) (FSAIADAG)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial business insurance
• Employee benefits brokerage
• Multi-carrier insurance brokerage

Headquarters

HQ city

Fort Wayne

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 Commissions: Hupe Insurance Services operates as an independent insurance agency earning commissions from insurance carriers when policies are sold, bound, and renewed. The agency represents 13+ insurance companies including American Modern, Central, Encova, Erie, Foremost, Geico, Hastings Mutual, Indiana Farmers, Liberty Mutual, Ohio Mutual, Progressive, Selective, and West Bend.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Hupe Insurance Services is an independent insurance agency and brokerage that sells personal, commercial, industry-specific, employee benefits, and Medicare insurance products by connecting customers with 13+ insurance carriers. The agency operates from Fort Wayne, Indiana, is licensed in Indiana, Ohio, Michigan, and Virginia, and delivers coverage through licensed agents, phone consultations, an iOS mobile app, and an online quote portal, earning commissions on policies placed and renewed.

Product overview

Hupe Insurance Services is an independent insurance agency that offers a comprehensive portfolio of insurance products through 13+ carrier relationships. The agency provides personal insurance (auto, home, life, classic car, RV, and specialty lines), business insurance (liability, property, workers' compensation, commercial auto), industry-specific commercial coverage (contractor, pest control, garage repair, food truck, landscaping, restaurant, technology), employee benefits (health, dental, vision, disability, voluntary benefits), and Medicare solutions. The agency operates as a multi-line agency licensed in Indiana, Ohio, Michigan, and Virginia, connecting clients with leading insurance companies to provide personalized coverage solutions. The product offering includes over 100 distinct insurance products and services designed for individuals, families, and businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage protecting against financial losses from auto accidents, including liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage, for individual drivers and families.
• Home Insurance Protection for residential properties covering structure, personal belongings, liability, and additional living expenses from covered losses, for homeowners.
• Individual Life Insurance Financial protection for families including term, whole, and universal life insurance policies to secure loved ones' future.
• Classic Car Insurance Specialized coverage for collector, antique, and vintage vehicles with agreed value protection and authentic parts coverage.
• RV Insurance Coverage for recreational vehicles and motorhomes including liability, collision, comprehensive, medical payments, and personal property protection.
• Condo Insurance Coverage for condominium owners protecting the unit interior, personal property, and liability within the condo community.
• Flood Insurance Separate policy coverage for flood damage through the National Flood Insurance Program (NFIP) or private insurers.
• Motorcycle Insurance Coverage for motorcycles including liability, collision, comprehensive, and medical payments.
• Renters Insurance Protection for renters covering personal belongings, liability, and additional living expenses.
• Travel Insurance Coverage for trip cancellations, medical emergencies, and travel-related losses.
• Umbrella Insurance (Personal) Excess personal liability coverage providing additional protection above standard policy limits.
• Valuable Possessions Insurance Scheduled coverage for jewelry, fine arts, collectibles, and other high-value items beyond standard policy sublimits.
• Watercraft Insurance Coverage for boats and watercraft including liability, physical damage, and medical payments.
• Wedding Insurance Coverage for wedding events including cancellation, liability, and property damage.
• Annuities Retirement income products providing guaranteed payments over a specified period.
• Identity Theft Insurance Coverage for costs associated with identity theft including legal fees and recovery expenses.
• Pet Insurance Coverage for veterinary expenses and pet-related losses.
• High Net Worth / Mobile Home / Earthquake / Off-Road / Secondary Home / Short-Term Rental / Vacant Home / Yacht / Rental Property / SR-22 / PIP / Telematics / Child Life Insurance Specialty personal coverages including high net worth, mobile home, earthquake, off-road vehicle, secondary home, short-term rental, vacant home, yacht, rental property (landlord), SR-22, personal injury protection (PIP), telematics, and child life insurance.
• Individual Health, Dental, Vision, and Long-Term Care Insurance Standalone individual health, dental, vision, long-term care, and long-term disability coverage for individuals and families not covered by employer plans.
• Business Owners Insurance (BOP) Combined property and liability coverage (BOP) designed for small to mid-sized businesses in one policy.
• General Liability Insurance Coverage for third-party bodily injury, property damage, advertising injury, and medical payments claims against businesses.
• Business Auto Insurance Coverage for business vehicles including liability, collision, comprehensive, and hired/non-owned auto coverage.
• Workers' Compensation Insurance Required coverage for employees protecting against workplace injuries, illness, and related costs.
• Commercial Property Insurance Protection for business buildings, equipment, inventory, and property against damage and loss.
• Cyber Liability Insurance Protection against data breaches, hacking, and cyber attacks including notification costs and liability.
• Commercial Umbrella, Builders Risk, Environmental, Liquor Liability, Natural Disaster, Ocean Marine, Business Interruption, Crime, D&O, EPLI, E&O, Fiduciary Liability, Inland Marine Suite of additional commercial coverages: commercial umbrella ($2M-$10M), builders risk, environmental, liquor liability, natural disaster, ocean marine, business interruption, crime, directors and officers, employment practice liability, errors and omissions, fiduciary liability, and inland marine.
• Contractor Insurance Comprehensive coverage for contractors including general liability, commercial property, workers' comp, business auto, and builders risk.
• Pest Control Insurance Coverage for pest control businesses including general liability, E&O, environmental, and care/custody/control coverage.
• Garage Repair Shop Insurance Coverage for automotive repair shops including garagekeepers liability, commercial property, and professional liability.
• Food Truck Insurance Specialized coverage for food trucks including business auto, inland marine, product liability, and liquor liability.
• Landscaping Services Insurance Coverage for landscaping businesses including general liability, business auto, and commercial umbrella.
• Restaurant Insurance Coverage for restaurants including property, liability, workers' comp, and liquor liability.
• Technology Firm Insurance Coverage for technology companies including E&O, cyber liability, and media liability.
• Group Health Insurance Employer-sponsored health coverage pooling employee risk for economical premiums.
• Group Dental Insurance Employer-provided dental coverage including preventive, basic, and major services.
• Group Vision Insurance Coverage for eye exams, glasses, contacts, and vision-related services.
• Group Disability, Critical Illness, Voluntary, Life/AD&D, Long-Term Care, EAP, FSA, HSA, HRA, Accident, and Wellness Benefits Suite of additional employer-sponsored benefits: group disability, critical illness, group voluntary benefits, life and AD&D, long-term care, employee assistance program, flexible spending account, health savings account, health reimbursement arrangement, group accident, and wellness benefit plans.
• Medicare Advantage, Medicare Part D, and Medicare Supplemental (Dental, Vision, Hearing) Plans Medicare Part C Advantage plans, Medicare Part D prescription drug plans, and supplemental dental, vision, and hearing plans for Medicare beneficiaries.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core.

• American Modern InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Hupe Insurance Services for various insurance products including specialty coverage options.
• Central InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented for property and casualty coverage options.
• EncovacoreChannel Partner/ Reseller/ DistributorInsurance carrier represented for commercial and personal coverage products.
• Erie InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier known for auto, home, and business coverage.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier specializing in specialty products including mobile home, landlord, and classic car coverage.
• GeicocoreChannel Partner/ Reseller/ DistributorMajor insurance carrier represented for auto and other personal insurance products.
• Hastings MutualcoreChannel Partner/ Reseller/ DistributorRegional mutual insurance company represented for commercial and personal coverage.
• Indiana FarmerscoreChannel Partner/ Reseller/ DistributorIndiana-based insurance carrier represented for various property and casualty coverage.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented for auto, home, and business coverage.
• Ohio MutualcoreChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier operating in Ohio and surrounding states.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier known for auto insurance, represented for vehicle coverage.
• Selective InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented for commercial and personal coverage options.
• West Bend InsurancecoreChannel Partner/ Reseller/ DistributorMidwest-based insurance carrier represented for home, auto, and business coverage.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• USI Insurance Services: PE-backed (Kohlberg & Company then Investcorp) nationwide insurance brokerage and employee benefits firm. Overlaps Hupe directly in commercial lines, group benefits, and personal lines distribution, with similar multi-carrier placement and consultative advisory positioning.
• Brown & Brown Insurance: Large publicly traded independent insurance brokerage (NYSE: BRO) that aggregates multi-line agencies. Directly comparable to Hupe in product breadth across personal, commercial, and benefits lines but at vastly greater scale, serving as the dominant consolidator in the same space Hupe operates in.
• Marsh McLennan Agency: Mid-market arm of Marsh McLennan serving commercial lines and employee benefits for small to mid-sized businesses. Comparable to Hupe in SMB commercial and benefits brokerage, but operating with the backing of a global brokerage and substantially broader resources.
• Arthur J. Gallagher & Co. One of the largest global insurance brokerages (NYSE: AJG) competing across commercial, personal, and benefits lines. Comparable to Hupe on product breadth and independent-broker positioning in segments like employee benefits, but at significantly larger scale with institutional resources.

Direct peers

• Relation Insurance Services: PE-backed independent insurance brokerage providing property/casualty, employee benefits, and personal lines across multiple states. Comparable to Hupe in operating model and product breadth, while illustrating the institutional consolidation path relevant to Hupe.
• Hilb Group: PE-backed acquirer and operator of mid-market independent insurance agencies across the Eastern U.S. Highly comparable to Hupe as both an operating agency model and an aggregator of similar-sized multi-line brokers; demonstrates the roll-up thesis relevant to Hupe.
• Insurance Office of America: Privately held independent insurance brokerage providing personal, commercial, and benefits solutions across multiple states. Highly comparable to Hupe as a similarly-sized multi-line independent agency with comparable go-to-market approach.
• Heffernan Insurance Brokers: Mid-size independent insurance brokerage with multi-line personal, commercial, and benefits offerings across multiple states. Comparable to Hupe in operating model and customer mix, though larger and more geographically dispersed on the West Coast and beyond.

Emerging players

• Acrisure: Fast-growing, tech-enabled insurance brokerage aggregator combining traditional agency roll-ups with proprietary technology. Comparable to Hupe on the multi-carrier multi-line distribution model, with overlap in serving SMBs and individuals, though operating at much larger scale and with deeper tech investment.

Regional players

• Gregory & Appel Insurance: Indiana-based independent insurance agency serving personal, commercial, and benefits clients. Directly comparable to Hupe in geography (Indiana), product breadth, and family/independent ownership model, though larger in scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/HupeInsuranceServicesInc
• LinkedInlinkedin.com/company/hupe-insurance-svc

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Hupe Insurance Services