Chappell Insurance Agency

What Chappell Insurance Agency does

Chappell Insurance Agency is a privately held, micro-scale independent insurance agency headquartered in Dobson, North Carolina, founded in 1925. The firm operates as part of the Highstreet Insurance & Financial Services network, a national platform of 350+ U.S. offices owned by High Street Insurance Partners Inc. (Traverse City, MI). Within that network, Chappell retains a local franchise identity, providing personal-lines products (homeowners, auto), commercial-lines coverage (commercial, commercial umbrella), and supplementary products and services.

The agency's product portfolio spans four core lines — personal insurance, business insurance (including Business Owners Policy, workers compensation, and commercial auto), employee benefits, and financial services (retirement planning, estate planning) — supplemented by vertical-specialized coverage modules for tourism operators, contractors, and real estate professionals. There is no proprietary technology platform disclosed; the only digital surface referenced is a third-party client portal used for billing, claims, payments, and policy changes. Service delivery is relationship-led through local agents rather than through any self-serve or automated underwriting flow.

Revenue is generated primarily from insurance carrier commissions on premiums written across the personal and commercial book, plus fee-based revenue from financial planning services. The go-to-market motion is sales-led and local: agents provide personalized advice to individuals, families, small businesses, and institutions through phone, online contact forms, and in-person consultation. The customer base is horizontally segmented across households, SMBs (including tourism, contractors, and self-employed professionals), institutions, and real estate professionals, with primary focus on the Dobson, NC catchment area and surrounding counties.

Name

Chappell Insurance Agency

Legal name

High Street Insurance Partners Inc.

Website

https://chappellinsuranceagency.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

1–10 employees

Short description

Chappell Insurance Agency is a privately held independent insurance agency in Dobson, NC, operating as part of the Highstreet network. It sells personal, commercial, and umbrella insurance, plus financial and benefits services, to local individuals, families, and small businesses.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Workers’ Compensation for High-Hazard & Specialty Trades (FSAJAEAF)

Keywords

• Personal insurance
• Commercial insurance
• Business insurance
• Financial planning
• Employee benefits

Headquarters

HQ city

Dobson

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Products and Financial Services: The agency generates revenue through selling various insurance products and financial services including personal insurance (home, auto, renters), business insurance (BOP, workers compensation, commercial auto), employee benefits, and financial planning services (retirement, estate planning). Revenue is derived from insurance premiums and service fees for financial planning.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Chappell Insurance Agency is a local insurance agency that sells personal insurance (home, auto, renters), business insurance (Business Owners Policy, workers compensation, commercial auto), employee benefits, and financial planning services (retirement and estate planning). Operating as part of the Highstreet Insurance & Financial Services network of 350+ offices, the agency combines local community relationships with national carrier access.

Product overview

Highstreet Insurance & Financial Services operates as a network of insurance agencies offering a unified platform of insurance and financial services. The portfolio consists of four core product lines—Personal Insurance, Business Insurance, Employee Benefits, and Financial Services—with specialized industry-specific coverage add-ons for tourism businesses, contractors, and real estate professionals. The agency serves individuals, families, businesses, and institutions across Transylvania County and surrounding areas, with access to national expertise through the Highstreet Insurance & Financial Services network of 350+ offices across the U.S.

Differentiator

Problem solved

Functional benefit

Brands

• Guidelight Insurance Solutions: Previous brand name under which the Brevard office operated before transitioning to Highstreet Insurance & Financial Services

Products and services

• Personal Insurance

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

One partnership is on record.

• Guidelight Insurance SolutionsminorOthersHighstreet Insurance & Financial Services in Brevard was previously part of Guidelight Insurance Solutions before becoming part of the Highstreet network. This represents a historical affiliation rather than an active partnership.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Direct peers

• Higginbotham Insurance: Independent insurance brokerage offering personal, commercial, and employee benefits through a network of regional offices across the South and Midwest. Highly comparable to Chappell/Highstreet's regional agency model.
• The IMA Group: Independent commercial insurance brokerage serving mid-market businesses with property/casualty, benefits, and risk management. Comparable as a multi-line, relationship-led broker serving SMB and middle-market clients.
• TrueNorth Companies: Mid-market insurance brokerage and risk management firm combining personal, commercial, and benefits coverage through local offices. Mirrors the Chappell four-line product mix and SMB focus.
• RPS Insurance Brokerage: Specialty wholesale and retail insurance brokerage distributing personal and commercial coverage through regional offices. Directly comparable on brokerage model and product breadth.
• Goosehead Insurance: Retail personal and commercial insurance franchise built on a network of local agents with centralized carrier access and technology. Directly comparable to Chappell's local-agent, multi-line brokerage model, though at much greater scale.

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a strong middle-market and SMB franchise. Overlaps Chappell on commercial P&C brokerage and benefits, but at vastly greater scale and with proprietary risk analytics.
• Acrisure: Tech-enabled, rapidly consolidating insurance brokerage built on acquiring independent agencies into a global platform. Highly relevant as a comparable roll-up aggregator operating in the same independent-agency M&A space as Highstreet.
• Burns & Wilcox: Specialty insurance wholesale brokerage and underwriting manager with a broad product portfolio. Adjacent peer given shared emphasis on specialty commercial lines and carrier-broker intermediation.
• Hub International: Large North American insurance brokerage operating through a decentralized network of regional offices, structurally similar to Highstreet's 350+ office model and Chappell's local-office go-to-market.

Emerging players

• Lemonade: Direct-to-consumer insurtech using AI and mobile-first UX to disintermediate traditional personal lines agents. Represents the competitive threat vector to Chappell's personal-lines franchise, not a direct channel competitor.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/chappell-insurance-agency-inc-
• Xx.com/chappellins

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Chappell Insurance Agency