Arnold Insurance
Arnold Insurance is an independent insurance brokerage founded in 1971 in Cape Girardeau, Missouri, distributing personal, commercial, and group health insurance through seven carrier partners to consumers and SMBs across the Midwest.
- Company typePrivate
- Founded1971
- HeadquartersCape Girardeau, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Arnold Insurance does
Arnold Insurance is an independent insurance brokerage founded in 1971 and headquartered in Cape Girardeau, Missouri. The firm operates as a traditional, sales-led agency distributing personal lines (auto, home, life), commercial lines (general liability, commercial property, towing, bonding, business owners coverage), and group health insurance on behalf of seven core carrier partners: Secura, Acuity, Travelers, Selective, Blue Cross Blue Shield, Progressive, and Cincinnati Insurance. It employs between 101 and 250 licensed producers and support staff across multiple offices serving the Midwest United States.
The company's go-to-market is consultative and relationship-driven. Customers engage via a toll-free number (800-397-2427), email, or a website quote request; licensed producers conduct a four-step process (needs assessment, option matching, executive review, and ongoing service). Distribution is exclusively direct, with no proprietary technology platform, mobile app, API, or disclosed automation layer. Marketing relies on the corporate website plus organic social channels (Facebook, LinkedIn, Instagram, X).
The business model is commission-based: Arnold Insurance earns carrier commissions on policies placed, with billing cadence at the policyholder (monthly) level. Customer segments are distributed across individual consumers and SMBs with no disclosed enterprise anchors, and pricing is quote-based rather than publicly listed. Ownership is private with no parent company, institutional investors, or venture backing disclosed. Senior leadership consists of Marc Harris (President & CEO) and Angie Umfleet (CFO).
Arnold Insurance firmographics
Firmographics- Name
- Arnold Insurance
- Legal name
- Arnold Insurance
- Website
- https://arnoldic.com
- Company type
- Private
- Founded year
- 1971
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Arnold Insurance is an independent insurance brokerage founded in 1971 in Cape Girardeau, Missouri, distributing personal, commercial, and group health insurance through seven carrier partners to consumers and SMBs across the Midwest.
- Ownership category
- akta.pro rank
Arnold Insurance industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Personal Auto Insurance (FSAJAMAA)
- akta.pro secondary industries
- Small Group Health Insurance (2–50/100) (FSAIAFAD), Fully Insured Group Health Plans (Employer-Sponsored) (FSAIAFAA), Fully Insured Small Group Plans (HLAEAAAB)
Keywords
Where Arnold Insurance is headquartered
LocationHeadquarters
- HQ city
- Cape Girardeau
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Arnold Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Commissions: Arnold Insurance operates as an independent insurance agency/brokerage, earning commissions from insurance carrier partners (Secura, Acuity, Travelers, Selective, Blue Cross, Progressive, Cincinnati Insurance) for policies placed with their carriers. Revenue is generated through commissions on insurance policies sold to personal, commercial, and group health customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal Insurance - Auto, Home coverage |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Arnold Insurance product offering
Product offeringCore offering
Arnold Insurance is an independent insurance brokerage that places personal, commercial, and group health insurance policies on behalf of customers through carrier partnerships with Secura, Acuity, Travelers, Selective, Blue Cross Blue Shield, Progressive, and Cincinnati Insurance. Licensed producers consult with clients to match coverage needs with carrier offerings, earning commissions on placed policies. The firm has operated continuously since 1971 from Cape Girardeau, Missouri, serving Midwest communities.
Product overview
Arnold Insurance operates as an independent insurance agency offering a portfolio of insurance products organized across three main categories: Personal Insurance (Auto, Home, and Life coverage for individuals and families), Commercial Insurance (General Liability, Property, Towing, Bonding, and Business Owners policies for businesses), and Group Health Insurance (employer-sponsored medical coverage). The company serves clients across the Midwest through multiple office locations, working with multiple carrier partners to match customers with appropriate coverage options.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Vehicle coverage protecting personal automobiles against accidents, damage, theft, and liability, sourced through carrier partners including Progressive and Travelers.
- Home Insurance Dwelling and property coverage for homeowners, typically including structural protection and personal belongings coverage, placed through carrier partners.
- Life Insurance Personal life insurance coverage providing financial protection for families and beneficiaries.
- General Liability Coverage Business liability protection covering third-party bodily injury, property damage, and advertising injury claims for commercial enterprises.
- Commercial Property Coverage Commercial property insurance protecting business buildings, equipment, inventory, and assets from covered perils.
- Towing Coverage Commercial towing insurance coverage for businesses operating vehicles or providing towing services.
- Bonding Surety bonds providing financial guarantees for contract fulfillment, license requirements, and business obligations.
- Business Owners Coverage Combined policy bundle for small businesses offering property, liability, and business interruption protection in a single package.
- Group Health Insurance Employer-sponsored health coverage plans providing medical benefits to employees, sourced through Blue Cross Blue Shield.
Companies that use Arnold Insurance
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Arnold Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Arnold Insurance partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- SecuracoreInsurance carrier partner representing property and casualty insurance products. Partnered with Arnold Insurance as one of the insurance carriers offered to customers.
- AcuitycoreInsurance carrier partner for business and commercial insurance products. Provides coverage options through Arnold Insurance's distribution network.
- TravelerscoreMajor national insurance carrier partner offering property and casualty insurance. Products available through Arnold Insurance's sales channel.
- Selective InsurancecoreInsurance carrier partner providing commercial and personal insurance products distributed via Arnold Insurance.
- Blue Cross Blue ShieldcoreHealth insurance carrier partner for group health insurance products offered to business clients through Arnold Insurance.
- ProgressivecoreNational insurance carrier partner, particularly known for auto insurance, available through Arnold Insurance's carrier network.
- Cincinnati InsurancecoreRegional insurance carrier partner offering commercial and personal lines insurance products through Arnold Insurance.
Scale indicators2 records
Recent moves4 records
Expansion highlights3 records
Arnold Insurance competitors and assessment
Company assessmentDirect peers
- Cottingham & Butler: Midwest-headquartered independent insurance brokerage offering commercial, personal, and employee benefits solutions. Comparable to Arnold Insurance in regional Midwest focus and multi-line independent agency structure.
- IMA Financial Group: Independent insurance brokerage group providing commercial, personal, and benefits placement across multiple regions. Comparable to Arnold in independent brokerage model spanning property-casualty and group health with diverse carrier partnerships.
- Leavitt Group: Independent insurance agency network serving regional markets across the U.S. with personal, commercial, and group health lines. Closely comparable to Arnold Insurance in multi-line independent agency model and commission-based revenue from multiple carrier partners.
- Heffernan Insurance Brokers: Independent insurance brokerage providing commercial, personal, and employee benefits coverage with multiple carrier relationships. Directly comparable to Arnold's independent brokerage model and multi-line product set.
- AssurePartners: National platform of independent insurance agencies offering property, casualty, employee benefits, and personal lines. Highly comparable to Arnold Insurance in multi-line independent agency structure with carrier partnerships and a regional/Midwest presence.
Regional players
- Country Financial: Midwest-based insurance and financial services company offering personal, commercial, and life insurance primarily across Midwestern states. Competes directly with Arnold for personal and commercial lines within the same regional footprint.
- Shelter Insurance: Missouri-headquartered regional insurance carrier offering auto, home, and life coverage across the Midwest. Directly competes with Arnold Insurance in the same geographies on personal lines while also functioning as a comparable Missouri-anchored insurance brand.
Broad incumbents
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with substantial commercial P&C and employee benefits practices. Active competitor in the broader independent agency/brokerage space that Arnold operates in, though at vastly larger scale.
- HUB International: Large-scale North American insurance brokerage offering commercial, personal, and employee benefits across many regions. Broader and more diversified than Arnold, but operates in the same independent brokerage category and competes for the same commercial and group health accounts.
- Brown & Brown, Inc. National insurance brokerage delivering commercial P&C, personal lines, and employee benefits through distributed agency model. Overlaps with Arnold in product mix but operates at significantly greater scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Arnold Insurance social profiles
Digital presenceArnold Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Arnold Insurance leadership team
Management profileNumber of profiles
Profiles2 records
Arnold Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Arnold Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Arnold Insurance
What does Arnold Insurance do?
Arnold Insurance is an independent insurance brokerage that places personal, commercial, and group health insurance policies on behalf of customers through carrier partnerships with Secura, Acuity, Travelers, Selective, Blue Cross Blue Shield, Progressive, and Cincinnati Insurance. Licensed producers consult with clients to match coverage needs with carrier offerings, earning commissions on placed policies. The firm has operated continuously since 1971 from Cape Girardeau, Missouri, serving Midwest communities.
Is Arnold Insurance a public or private company?
Arnold Insurance is a private company. It is classified as unknown and is currently operating.
When was Arnold Insurance founded?
Arnold Insurance was founded in 1971. It employs 101 to 250 people.
Where is Arnold Insurance based?
Arnold Insurance is headquartered in Cape Girardeau, United States, in the North America region.
How does Arnold Insurance make money?
One revenue line is on record: insurance Commissions.
Who are Arnold Insurance's main competitors?
Direct peers on record are Cottingham & Butler, IMA Financial Group, Leavitt Group, Heffernan Insurance Brokers and AssurePartners. Regional players are Country Financial and Shelter Insurance. Broad incumbents are Arthur J. Gallagher & Co., HUB International and Brown & Brown, Inc..
Does Arnold Insurance have an API?
No public API is recorded for Arnold Insurance.
What industry is Arnold Insurance in?
Arnold Insurance's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAJAMAA, Personal Auto Insurance, with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524210 and its SIC code is 6411.