Mackey Insurance

What Mackey Insurance does

Mackey Insurance LLC is a privately held, independent property and casualty (P&C) insurance agency headquartered at 2800 Cornerstone Drive A5 in Pagosa Springs, Colorado. The agency represents multiple P&C carriers—including Safeco (personal lines and claims portal), Travelers (umbrella policy), and Hagerty (classic car and boat coverage)—and operates a published carrier list for comparison shopping. Its product portfolio spans home, auto, commercial, builders risk, workers compensation, HOA, errors and omissions (E&O), umbrella, flood, service line, and landlord fire insurance, distributed through online quote forms, direct phone/email contact, and carrier partner channels.

The agency's go-to-market is direct-to-consumer within Colorado, with content marketing (blog), referral programs, and sponsorship of overlanding community events (e.g., 2025 Overland Expo) supporting lead generation. It targets Colorado homeowners facing carrier withdrawals and rising premiums due to wildfire and hail risk, vehicle owners, and a defined niche of off-road and overlanding enthusiasts—positioned under the 'Mackey OR ADV' sub-brand with the tagline 'Insuring Your Adventures.'

The business model is commission-based: Mackey Insurance earns carrier commissions on policies placed across its represented carriers, with no proprietary technology, no app, no public APIs, and no disclosed headcount or revenue. Operations rely on standard third-party carrier tools (Safeco Quick Quote, claims portal) embedded in a WordPress website, and there is no indication of institutional investment, parent ownership, or public listing.

Name

Mackey Insurance

Legal name

Mackey Insurance LLC

Website

https://mackeyins.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Mackey Insurance LLC is a privately held independent P&C insurance agency in Pagosa Springs, Colorado, representing multiple carriers to deliver home, auto, commercial, and niche adventure/overlanding coverage to Colorado consumers and small businesses via commission-based placement.

Ownership category

akta.pro rank

Headquarters

HQ city

Pagosa Springs

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: As an independent insurance agency, Mackey Insurance earns commissions from insurance carriers for policies placed. The agency represents multiple P&C (Property & Casualty) carriers, earning commission-based revenue on home, auto, commercial, and specialty insurance products.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Mackey Insurance is an independent insurance agency that places home, auto, commercial, builders risk, ATV/snowmobile, workers compensation, HOA, errors-and-omissions, umbrella, flood, service line, landlord fire, and classic car insurance policies on behalf of customers. The agency earns carrier commissions by shopping coverage across multiple P&C carriers (including Safeco, Travelers, and Hagerty) and provides claims servicing support. Coverage is tailored to Colorado-specific risks such as wildfire and hail exposure, with a niche specialization in adventure, off-road, and overlanding vehicles and equipment.

Product overview

Mackey Insurance is an independent insurance agency based in Pagosa Springs, Colorado, offering a comprehensive portfolio of insurance products. The agency provides multiple quote intake forms including Home Quote Form, Auto Quote Form, Commercial Quote Form, Builders Risk Form, ATV/Snowmobile Quote, Work Comp Form, HOA Form, and E&O Form. Additional offerings include Umbrella Policies, Service Line Coverage, Flood Insurance, and Landlord Fire Insurance. The agency represents multiple P&C carriers including Safeco, Travelers, and Hagerty (for classic car/boat coverage). Claims filing and carrier portals (Safeco Quick Quote and Safeco Claims) are available through their website.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Residential property insurance for Colorado homeowners, including coverage tailored to wildfire, hail, and mountain terrain exposures, placed across multiple P&C carriers through the agency's independent quoting process.
• Auto Insurance Personal automobile insurance for standard vehicle owners in Colorado, with quotes sourced across multiple carriers and optional umbrella enhancements.
• Commercial Insurance General commercial insurance coverage for small and mid-sized Colorado businesses, sourced across multiple P&C carriers to address varied business risks.
• Builders Risk Insurance Insurance covering construction projects and structures during the building phase, for contractors and property owners in Colorado.
• ATV/Snowmobile Insurance Specialty insurance for all-terrain vehicles and snowmobiles, including off-road and mountain use scenarios common in Colorado.
• Workers Compensation Insurance Workers compensation coverage for Colorado employers, sourced across multiple carriers to meet statutory and contractual requirements.
• HOA Insurance Insurance for homeowners associations, covering master policy and common-area exposures for Colorado community associations.
• Errors & Omissions Insurance Professional liability coverage for Colorado professionals and service firms, addressing claims of negligence, errors, or omissions in the delivery of professional services.
• Claims Filing Service Service for policyholders to report and track insurance claims, including direct linkage to the Safeco online claims portal.
• Umbrella Insurance Personal liability umbrella insurance providing additional protection beyond standard home and auto policy limits.
• Service Line Coverage Coverage for damage to underground service lines on private property, addressing water, sewer, and utility line breaks typically excluded from standard home policies.
• Flood Insurance Coverage for flood damage, which is typically excluded from standard home insurance policies.
• Landlord Fire Insurance Fire coverage and rental-property liability protection for landlords of residential rental properties.
• Hagerty Classic Car Insurance Classic car and boat insurance offered through Hagerty, covering vintage and collectible vehicles for enthusiasts.
• Travelers Umbrella PLUS Policy Umbrella liability policy offered through Travelers Insurance for enhanced personal liability protection beyond standard policy limits.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Four partnerships are on record, tiered core.

• HagertycoreChannel Partner/ Reseller/ DistributorHagerty is a leading global provider of classic car and boat insurance. Mackey Insurance is an agent carrying Hagerty products, offering classic vehicle coverage to their customers. Hagerty has been in business for over 30 years and focuses on enthusiasts who need specialized coverage for collectible vehicles.
• SafecocoreChannel Partner/ Reseller/ DistributorSafeco is a personal lines insurance carrier. Mackey Insurance offers Safeco products and provides claims filing through Safeco's online portal linked on their website.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers is a major property and casualty insurer. Mackey Insurance offers Travelers umbrella policies including the 'Travelers Umbrella PLUS Policy' and mentions their mobile app for customers.
• P&C Carriers (Multiple)coreChannel Partner/ Reseller/ DistributorMackey Insurance references a 'List of P&C Carriers' on their website indicating they work with multiple property and casualty insurance carriers beyond the named partners. This gives them the ability to shop coverage across carriers for customers.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Marsh McLennan: Global insurance and risk management brokerage with operations across personal and commercial lines. A broad incumbent providing insurance placement and brokerage services that competes for the same classes of personal and commercial P&C business as an independent agency.
• HUB International: Large North American insurance brokerage offering personal, commercial, and specialty coverage through a broad portfolio. Relevant incumbent comparable because it provides multi-line independent agency/brokerage services at scale, including specialty and commercial lines that overlap with Mackey's portfolio.

Direct peers

• Brightway Insurance: Franchise-based independent insurance agency network offering home, auto, and commercial P&C coverage across multiple states. Comparable to Mackey as an independent agency representing multiple carriers with a local-presence, multi-line model.
• Leavitt Group: Network of independent insurance agencies across the western U.S. offering personal and commercial P&C coverage through multiple carrier partners. Directly comparable as a multi-carrier independent agency serving regional small-business and consumer markets.
• Goosehead Insurance: Large independent insurance agency franchise in the U.S. that places personal and commercial P&C coverage through multiple carriers, with a strong digital quote experience. Most directly comparable as a multi-carrier independent agency selling home, auto, and specialty lines to consumers.

Others

• Trusted Choice: Network/referral platform for independent insurance agents and brokers in the U.S., serving as an ecosystem-level comparable for how small independent agencies reach consumers and compete with captive/direct carriers.
• Overland Expo (event/community): Community event and content platform serving the overlanding and adventure-travel niche that Mackey explicitly targets via its Mackey OR ADV sub-brand and 2025 Overland Expo sponsorship. Comparable as the central ecosystem for the same niche customer segment.
• Insurance Journal (industry trade): Trade publication and industry directory covering independent P&C agencies and carriers, used by agencies like Mackey for market intelligence and lead generation in the western U.S. independent agency channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Customer concentration

• Facebookfacebook.com/MackeyInsuranceLLC
• LinkedInlinkedin.com/company/roberta-mackey-insurance-agency-inc-

Revenue estimate

Valuation estimate

Number of profiles

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 Mackey Insurance