Baker Insurance

What Baker Insurance does

Baker Insurance Inc. is a second-generation, family-owned independent insurance agency headquartered at 4360 Leechburg Rd., New Kensington, Pennsylvania. Founded in 1984 and licensed in Pennsylvania, the agency serves individuals, families, and businesses in the Alle-Kiski Valley and broader Pittsburgh region of Western Pennsylvania with a team of 1-10 employees whose staff holds over 79 years of combined industry experience. The current leadership includes Paul Baker (President), Nancy Jack (Vice President), Mark Jack (Sales), and Dan Jack (CSR/IT/Marketing). The firm has been in continuous operation for 40-plus years and emphasizes relationship-driven service over price competition.

The agency's product portfolio is comprehensive across three lines: personal insurance (auto, homeowners, renters, mobile homes, rental properties, motorcycles/ATV/snowmobiles, boats and jet skis, umbrella, flood, mine subsidence, individual life); business insurance (Business Owners Policy, workers' compensation, business auto, general liability, commercial property, contractor liability and bonds, group life, special event, business catastrophe liability, errors and omissions, liquor liability, D&O, key man life, employment practices liability, surety bonds, with specialty programs for Contractors, Churches, Golf Courses, and Restaurants); and life insurance and retirement products (term, whole, universal, children's life, annuities, long-term care, Traditional IRA, Roth IRA, disability). Baker Insurance distributes these products as an independent intermediary representing Erie Insurance, Progressive, Juniata Mutual Insurance, Foremost Insurance Group, and American Modern Insurance. There is no proprietary technology platform — operations rely on standard carrier portals, a Wix-hosted website with quote-request forms, and direct human-led servicing.

The business model is recurring insurance commissions on placed premiums. Customer acquisition is sales-led via in-person office consultations (with flexible hours including evenings and weekends by appointment), phone (724-335-6100), email ([email protected]), website quote forms, and organic social channels (Facebook, Twitter, LinkedIn). The agency competes on carrier breadth, value-versus-price positioning, claims advocacy, and long-standing community trust rather than on technology, scale, or pricing aggression. There is no disclosed funding, no M&A activity, no app or API surface, no AI/ML capabilities, and no external ownership — the firm operates as a traditional independent brokerage.

Name

Baker Insurance

Legal name

Baker Insurance Inc.

Website

https://bakerinsuranceinc.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

1–10 employees

Short description

Baker Insurance Inc. is a second-generation, family-owned independent insurance agency in New Kensington, Pennsylvania, licensed in PA and serving individuals, families, and businesses in the Alle-Kiski Valley and Pittsburgh region. It distributes personal, commercial, and life insurance products on behalf of multiple carriers including Erie Insurance and Progressive, earning recurring commission revenue with no disclosed funding or technology platform.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency (Personal, Commercial, Life)

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Personal insurance services
• Commercial insurance coverage
• Life insurance products
• Insurance carrier representation

Headquarters

HQ city

New Kensington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

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, Baker Insurance earns commissions from insurance carriers (Erie Insurance, Progressive, Juniata Mutual, Foremost, American Modern, and others) for policies placed on behalf of customers. Revenue is generated through policy premiums paid by customers, with the agency receiving a percentage or flat commission.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Baker Insurance Inc. is an independent insurance agency that sells personal, commercial, and life insurance policies from multiple carriers (including Erie Insurance, Progressive, Juniata Mutual, Foremost, and American Modern) to individuals, families, and businesses in the Alle-Kiski Valley of Pennsylvania. The agency earns commissions by placing policies on behalf of customers and provides claims advocacy, coverage review, and discount identification services. Coverage is delivered through agent-led consultations supported by online quote forms, phone, and email channels.

Product overview

Baker Insurance is an independent insurance agency offering a comprehensive portfolio of personal, business, and life insurance products. The agency provides personal auto insurance (covering automobiles, motorcycles, classic cars, RVs, boats, ATVs, snowmobiles), homeowners and renters coverage (including mobile homes, rental properties, seasonal dwellings), personal umbrella liability protection, flood and mine subsidence insurance. For businesses, they offer business owners policies combining property and liability, workers compensation, commercial auto, general liability, commercial property, contractor bonds, umbrella and catastrophe liability, errors and omissions, liquor liability, D&O, key man life, employment practices liability, and special event coverage. Their life insurance portfolio includes term, whole, universal, and children's life insurance, annuities, long-term care, disability, and retirement accounts (Traditional and Roth IRAs). The agency also provides online quote request services for auto, home, business, and life insurance. As an independent agency, they represent multiple insurance carriers to offer competitive pricing and coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Coverage for automobiles including standard vehicles, classic and collector autos, motorcycles, recreational vehicles, and specialty vehicles like boats, jet skis, ATVs, and snowmobiles, offered to individuals and families.
• Homeowners Insurance Coverage for homes including standard homeowners policies, mobile homes, rental properties, vacant and seasonal dwellings, and coverage for valuable personal property like jewelry, fine arts, collections, and firearms.
• Personal Umbrella Insurance Extra liability protection providing coverage above primary policy limits for catastrophic losses, offering high limits at affordable prices.
• Flood Insurance Coverage for flood-related damage to property and belongings for property owners in flood-prone areas.
• Mine Subsidence Insurance Specialized coverage for damage caused by mine subsidence, relevant for properties in Pennsylvania's Alle-Kiski area.
• Renters Insurance Coverage for tenants renting homes or apartments, protecting personal belongings and liability.
• Business Owners Insurance (BOP) Combined business property and business liability coverage in one convenient policy, protecting small businesses from various risks.
• Workers' Compensation Insurance Coverage helping cover medical care and lost wages for employees injured at work, including work-related illnesses.
• Business Auto Insurance Coverage for business vehicles, from single cars to entire fleets, protecting against accidents that could cost thousands or millions of dollars.
• General Liability Insurance Coverage protecting businesses against claims of bodily injury or property damage to third parties.
• Commercial Property Insurance Coverage for business buildings, contents, and equipment against damage or loss.
• Contractor's Liability and Bonds Specialized coverage and surety bonds for contractors, commonly used in the construction industry and government contracts.
• Group Life Insurance Life insurance coverage provided to groups of employees or members.
• Special Event Coverage Insurance protection for financial risks associated with organizing special events.
• Business Umbrella Insurance Additional liability protection above and beyond other liability policies for catastrophic losses.
• Errors and Omissions Liability Insurance Protection for businesses that give advice, make recommendations, design solutions, or represent others' needs against claims of professional error.
• Liquor Liability Insurance Protection for businesses that serve alcohol against liability from customers causing damage or injury after being served.
• Directors and Officers Liability Insurance Coverage for directors and officers against claims made while serving on boards or as officers.
• Key Man Life Insurance Coverage to keep the business running in the event of death of an essential employee.
• Employment Practice Liability Insurance Coverage against claims of discrimination, wrongful termination, harassment, retaliation, and other employment-related issues.
• Business Catastrophe Liability Protection against catastrophic claims that could cause serious financial harm to a business.
• Term Life Insurance Affordable life coverage for a specific number of years for individuals and families.
• Whole Life Insurance Permanent life coverage for entire life that builds cash value over time.
• Universal Life Insurance Permanent insurance combining features of term and whole life with more flexibility than other plans.
• Children's Life Insurance Life insurance coverage for children.
• Annuities Financial products providing regular income payments, often used for retirement accumulation.
• Long Term Care Insurance Coverage for extended care services including nursing homes, assisted living, and in-home care.
• Traditional IRA Individual retirement account with tax-deferred growth for retirement income or burial expense planning.
• Roth IRA After-tax retirement savings account providing tax-free growth and qualified withdrawals.
• Disability Insurance Income protection coverage for individuals who become unable to work due to illness or injury.
• Individual Life Insurance Life insurance coverage for individuals, providing financial protection for surviving family members.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Erie Insurance GroupcoreChannel Partner/ Reseller/ DistributorErie Insurance Group is one of the insurance carriers represented by Baker Insurance. Located at 100 Erie Insurance Place, Erie, PA 16530. Provides property and casualty insurance products. Baker Insurance offers Erie products as part of their portfolio of coverage options.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorProgressive Insurance is one of the carriers represented by Baker Insurance. Located in Carol Stream, IL. Baker Insurance offers Progressive auto and other insurance products to customers seeking competitive quotes.
• Juniata Mutual InsuranceminorChannel Partner/ Reseller/ DistributorJuniata Mutual Insurance is a regional carrier represented by Baker Insurance. Located in McAlisterville, PA. Offers property and casualty coverage as part of Baker's independent agency portfolio.
• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorForemost Insurance Group is a carrier represented by Baker Insurance. Specializes in various insurance products including specialty lines. Baker offers Foremost products for customers with unique coverage needs.
• American Modern InsuranceminorChannel Partner/ Reseller/ DistributorAmerican Modern Insurance is a carrier represented by Baker Insurance. Known for specialty insurance products including manufactured housing and specialty property coverage.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• State Farm: Largest US personal lines insurer operating through captive agents. Competes with Baker for the same personal auto, home, and life customers in Pennsylvania but offers a captive (single-carrier) model versus Baker's independent multi-carrier approach.
• Hylant: Large independent insurance brokerage with offices across the Midwest and Eastern US, including Pennsylvania. Comparable as a multi-line independent brokerage serving personal and commercial clients, but operating at substantially greater scale with deeper specialty resources.
• Allstate: National personal lines carrier with a captive agency distribution model. Directly comparable as a competing distribution channel for personal auto and home customers in Baker's service area, though operating with exclusive carrier alignment.
• Acrisure: Large global insurance brokerage that has rapidly consolidated independent agencies. Comparable as a scaled independent brokerage model that competes for the same small commercial and personal lines customers but offers broader carrier access, technology investment, and geographic reach.

Emerging players

• Lemonade: Insurtech challenger using AI-driven mobile-first underwriting in personal lines (renters, home, auto, life). Comparable as a competitor for the same personal insurance customers but via a fully digital model that bypasses the traditional agency channel.
• CoverWallet (Aon): Digital commercial insurance brokerage now owned by Aon, targeting small businesses with online quoting for BOP, general liability, workers comp, and commercial auto. Comparable to Baker's commercial book of business but delivered through a self-service digital platform.

Direct peers

• LeFebvre Insurance Agency: Family-owned independent insurance agency in the Pittsburgh region serving personal and commercial clients. Comparable because it operates the same multi-carrier independent agency model in the same Western Pennsylvania market with similar size and customer profile.
• Glatfelter Insurance Group: Pennsylvania-based independent insurance agency offering personal, commercial, and life coverages through multiple carriers. Comparable because it operates the same multi-carrier independent agency model serving Pennsylvania businesses and families, with similar commission-based economics.

Others

• Progressive: Direct-to-consumer auto insurer that is also one of Baker Insurance's carrier partners. Represents both a supplier relationship and a direct competitive threat, as Progressive's own digital channel competes for the same auto insurance customers Baker serves.
• Erie Insurance Group: Pennsylvania-based property and casualty carrier that is a core carrier partner of Baker Insurance. Not a competitor but a key supplier of the products Baker distributes; comparable because Erie's own direct/agent distribution overlaps Baker's service territory in Western PA.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/insurance_baker
• Facebookfacebook.com/BakerInsuranceInc
• LinkedInLinkedin.com/company/bakerinsuranceinc

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Baker Insurance