Allen Insurance Associates

What Allen Insurance Associates does

Allen Insurance Associates, Inc. is a family-owned independent insurance agency headquartered at 2153 Southeast California Avenue, Topeka, Kansas, founded in 1972 by Don Allen and incorporated in 1987. The firm operates as a traditional insurance intermediary — not a technology platform — and is licensed to sell personal and commercial insurance in Kansas and Missouri, with a local focus in Topeka, Lawrence, Kansas City KS, and Kansas City MO.

The agency distributes a broad catalog of more than thirty personal and business insurance products sourced from nine top-rated carriers, including Dairyland, Farmers Alliance, First Chicago, Grundy, Liberty Mutual, Philadelphia Insurance, Progressive, Traders, and Travelers. Personal lines span home, auto, life, motorcycle, watercraft, and specialty coverages (classic car, pet, wedding, identity theft, high-net-worth, umbrella, flood, earthquake, mobile home, vacant home, secondary home, yacht, RV, snowmobile, off-road, rental property, valuable possessions). Business lines include business auto, BOP, commercial property, contractor, farm, workers' compensation, cyber liability, general liability, commercial umbrella, EPLI, D&O, and E&O. Customer servicing is supported by a 24/7 client portal and the AIA Mobile App for claims, certificates, auto ID cards, bill payment, and policy changes.

Revenue is generated through insurance commissions paid by carriers on policies placed, with quote-based, individually underwritten pricing rather than standardized tiers. The agency operates a sales-led, direct-to-consumer go-to-market motion using its website (alleninsurancetopekaks.com), quote request forms, phone (785-233-2277), email ([email protected]), Facebook, and licensed-agent-led consultations. The business is owned and operated by the Allen family across three generations: Paul Allen (owner) and Vance Allen (insurance agent) as second-generation principals, and Jayde Allen (CSR, joined 2016) representing the third generation. The firm maintains industry affiliations with Trusted Choice, Big-I (Independent Insurance Agents), and the Kansas Association of Insurance Agents (KAIA).

Name

Allen Insurance Associates

Legal name

Allen Insurance Associates, Inc.

Website

https://alleninsurancetopekaks.com

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

1–10 employees

Short description

Allen Insurance Associates is a family-owned independent insurance agency in Topeka, Kansas, selling personal and commercial insurance policies from nine top-rated carriers to individuals, families, and small-to-medium businesses across Kansas and Missouri, earning revenue through carrier commissions.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance solutions
• Multi-carrier insurance brokerage
• Small business insurance

Headquarters

HQ city

Topeka

HQ country

United States

HQ region

North America

Offices4 records

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, Allen Insurance Associates earns revenue through commissions paid by insurance carriers for policies sold. They represent multiple top-rated insurance companies including Dairyland, Farmers Alliance, First Chicago, Grundy, Liberty Mutual, Philadelphia, Progressive, Traders, and Travelers. The agency offers both personal insurance (home, auto, life, motorcycle, watercraft, and many specialty lines) and business insurance (commercial property, business owners policies, contractor insurance, farm insurance, workers compensation, and more).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Allen Insurance Associates is an independent insurance agency that represents multiple top-rated insurance carriers (Dairyland, Farmers Alliance, First Chicago, Grundy, Liberty Mutual, Philadelphia, Progressive, Traders, Travelers) to deliver personal and business insurance coverage to clients in Kansas and Missouri. Licensed agents assess client risks and shop carriers on the client's behalf to match coverage to needs and budget. The agency generates revenue through carrier commissions, supplemented by 24/7 client portal and mobile app servicing.

Product overview

Allen Insurance Associates is an independent insurance agency offering a comprehensive portfolio of personal and business insurance products. The agency represents multiple top-rated insurance companies and provides access to diverse coverage options. Personal insurance products include home, auto, life, motorcycle, watercraft, and specialty coverages (classic cars, pets, weddings, high net worth). Business insurance products include commercial property, business owners policies, workers compensation, cyber liability, and industry-specific coverages (contractors, farms, restaurants, non-profits). The agency operates as a traditional insurance intermediary, not a technology platform, and does not offer API products or AI-powered features.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Coverage that helps protect homes against risks such as fire, property damage, personal liability, and natural disasters, with options for replacement cost, rebuilding to current code, and protection for personal property.
• Auto Insurance Coverage for personal vehicles including bodily injury liability, property damage, medical payments, uninsured/underinsured motorist, and physical damage for cars and trucks.
• Individual Life Insurance Life insurance solutions including term, whole, and universal life policies to provide financial protection for families.
• Motorcycle Insurance Coverage for motorcycles including liability, collision, comprehensive, and optional coverages for custom parts, uninsured drivers, and roadside assistance.
• Watercraft Insurance Coverage for boats and watercraft including physical damage, liability, uninsured/underinsured boater, towing, and pollution liability.
• Home and Auto Insurance (Bundled) Bundled insurance policies combining home and auto coverage from the same carrier, often offering discounts of 10% to 25%.
• SR-22 Filing SR-22 filings required by state DMV for high-risk drivers as proof of minimum liability insurance coverage.
• Renters Insurance Coverage for renters protecting personal belongings, liability, and additional living expenses with options for off-premises theft coverage.
• Condo Insurance Coverage for condo owners protecting personal property, betterments and improvements, liability, and loss assessment.
• Off-road Vehicle Insurance Specialty coverage for ATVs, dirt bikes, and other off-road vehicles not typically covered by standard home or auto policies.
• RV Insurance Coverage for recreational vehicles including windshield coverage, personal possessions, theft protection, and rental assistance during breakdowns.
• Snowmobile Insurance Specialty coverage for snowmobiles including liability, collision, and comprehensive protection for trails and off-road use.
• Classic Car Insurance Specialized coverage for collector, antique, and classic cars with agreed-upon value payouts and authentic parts coverage.
• Pet Insurance Coverage for pets offering accident-only, accidents and illnesses, or comprehensive medical cost protection with deductibles and co-payments.
• Wedding Insurance Special event insurance covering postponement, accidental damage to materials, and vendor failure or bankruptcy.
• Flood Insurance Separate flood coverage through NFIP or write-your-own carriers protecting homes from flood losses not covered by standard homeowners policies.
• Earthquake Insurance Specialty coverage bridging the gap in homeowners policies for earthquake damage with higher deductibles and total destruction focus.
• Mobile Home Insurance Specialized coverage for mobile and manufactured homes addressing unique risks from construction style and potential total property loss.
• Rental Property Insurance Coverage for property owners renting to others, protecting building, personal property, lost income, and liability.
• Vacant Home Insurance Coverage for homes unoccupied for 30+ days, protecting against fire, flooding, theft, and liability risks not covered by standard policies.
• Personal Farm Insurance Combined coverage for farms serving as both home and business, protecting property, contents, livestock, and equipment.
• Valuable Possessions Insurance Coverage for high-value items like jewelry, antiques, and artwork with actual replacement value and accidental damage options.
• Excess Liability Insurance (Personal) Additional personal liability coverage that kicks in when primary insurance policy limits are reached.
• Identity Theft Insurance Coverage and recovery services for identity theft including monitoring, fraud assistance, and cost coverage for legal fees and credit restoration.
• Umbrella Insurance (Personal) Extra personal liability coverage adding protection over auto and homeowners policies for property damage, bodily injury, and lawsuits.
• High Net Worth Insurance Customized comprehensive coverage combining home, vehicles, travel, and life insurance designed for high-value assets and unique lifestyle risks.
• Yacht Insurance Coverage for yachts including agreed value or cash value payout options, liability, collision damage, and optional towing and hurricane coverage.
• Secondary Home Insurance Coverage for vacation properties addressing unique risks of extended vacancy, lower coverage limits, and seasonal occupancy patterns.
• Business Auto Insurance Commercial vehicle coverage with higher liability limits, collision coverage, and employers non-owned car liability for employee vehicle use.
• Business Owners Insurance (BOP) Business Owners Policy combining property and liability insurance covering flooding, theft, accidental damage, business income, and general liability.
• Commercial Property Insurance Coverage protecting business assets from theft, damage, or destruction including buildings, equipment, and lost income during temporary closures.
• Contractor Insurance Specialized coverage for contractors including commercial general liability, property coverage, equipment protection, and builders risk.
• Commercial Farm Insurance Combined business and personal farm coverage protecting property, equipment, livestock, crops, and liability with options for peak season coverage.
• Workers' Compensation Insurance Required coverage protecting employees from workplace injuries and illnesses with income and medical benefits.
• Cyber Liability Insurance Coverage for unauthorized access to electronic data, viruses, computer theft, extortion, and employee errors affecting network security.
• General Liability Insurance Broad coverage for businesses against bodily injury, property damage, and personal injury claims with legal defense costs.
• Commercial Umbrella Insurance High-limit coverage typically between $2,000,000 and $10,000,000 extending over general liability, workers' compensation, and business auto policies.
• Employment Practices Liability Insurance Protection against employee lawsuits for wrongful termination, discrimination, harassment, and failure to promote.
• Directors and Officers Liability Insurance Coverage protecting company leadership from lawsuits claiming negligence in the performance of duties, including legal defense costs.
• Errors and Omissions Liability Insurance Coverage for businesses providing advice or services against claims of errors, omissions, or work that harmed clients financially.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core.

• DairylandcoreTechnology or IntegrationDairyland is one of the insurance companies represented by Allen Insurance Associates. As an independent agency, they partner with Dairyland to provide clients access to their insurance products.
• Farmers AlliancecoreTechnology or IntegrationFarmers Alliance is one of the insurance companies represented by Allen Insurance Associates, providing coverage options for clients particularly in the agricultural sector.
• First ChicagocoreTechnology or IntegrationFirst Chicago is one of the insurance companies represented by Allen Insurance Associates.
• GrundycoreTechnology or IntegrationGrundy is one of the insurance companies represented by Allen Insurance Associates.
• Liberty MutualcoreTechnology or IntegrationLiberty Mutual is one of the major insurance companies represented by Allen Insurance Associates, providing a wide range of insurance products to clients.
• Philadelphia Insurance CompaniescoreTechnology or IntegrationPhiladelphia Insurance Companies is one of the insurance companies represented by Allen Insurance Associates.
• ProgressivecoreTechnology or IntegrationProgressive is one of the major insurance companies represented by Allen Insurance Associates, known for auto insurance and other personal lines.
• Traders InsurancecoreTechnology or IntegrationTraders Insurance is one of the insurance companies represented by Allen Insurance Associates.
• TravelerscoreTechnology or IntegrationTravelers is one of the major insurance companies represented by Allen Insurance Associates, providing comprehensive coverage options.
• Big-I (Independent Insurance Agents)coreStrategic or Co-development PartnerBig-I is the Independent Insurance Agents association. Allen Insurance Associates maintains membership/affiliation with Big-I as part of their independent agency positioning.
• KAIA (Kansas Association of Insurance Agents)coreStrategic or Co-development PartnerKAIA is the state association for insurance agents in Kansas. Allen Insurance Associates maintains membership/affiliation with KAIA.
• Trusted ChoicecoreStrategic or Co-development PartnerTrusted Choice is a brand network for independent insurance agents. Allen Insurance Associates displays the Trusted Choice partnership badge, indicating membership in this network of independent insurance agencies.

Scale indicators3 records

Recent moves4 records

Expansion highlights2 records

Broad incumbents

• State Farm: Largest US personal lines insurer operating through a captive agent model; competes directly with Allen Insurance for personal auto, home, and life customers across Topeka and the broader Kansas/Missouri markets.
• GEICO: Direct-to-consumer personal lines insurer competing aggressively on auto and homeowners pricing; represents the principal price-comparison alternative to Allen Insurance's personal lines offerings, especially for digitally native buyers.
• Farmers Insurance: Captive-agent insurer offering personal and commercial lines; directly competes with Allen Insurance for households and small businesses, with strong brand recognition in the Kansas/Missouri markets where Allen Insurance operates.
• Allstate: Major US personal lines insurer distributed through captive and exclusive agents; overlaps heavily with Allen Insurance's personal lines book and targets the same household customers in Kansas and Missouri.
• Progressive: Hybrid insurer offering both direct online and independent agent channels; Allen Insurance represents Progressive as a carrier, so it is simultaneously a key partner and a competitive threat via Progressive Direct.
• Liberty Mutual: Major US personal and commercial lines insurer distributed through both direct and independent agents; Allen Insurance represents Liberty Mutual while also competing against its direct channel for the same customers.

Regional players

• Erie Insurance: Regional mutual insurer distributed exclusively through independent agents across the Midwest and Mid-Atlantic; operates a comparable independent-agent model and is a close substitute for Allen Insurance's value proposition in overlapping geographies.
• Auto-Owners Insurance: Regional mutual insurer that sells exclusively through independent agents across the Midwest and South; comparable independent-agent distribution model and similar mix of personal and commercial lines.

Others

• Trusted Choice: Brand and network for independent insurance agents of which Allen Insurance is a member; represents the broader peer cohort of independent agencies that share the same value proposition, distribution model, and carrier relationships.

Emerging players

• Acrisure: Rapidly growing insurance brokerage aggregator that acquires independent agencies; represents a potential roll-up acquirer of Allen Insurance and a structural example of how the independent agency model is consolidating.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/AllenInsuranceAssociatesInc
• Xx.com/alleninsurancks

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Allen Insurance Associates