Arnold Insurance

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).

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

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

• Independent insurance agency
• Commercial insurance brokerage
• Personal insurance coverage
• Group health benefits
• Property casualty insurance

Headquarters

HQ city

Cape Girardeau

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, Others

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core 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.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core.

• SecuracoreChannel Partner/ Reseller/ DistributorInsurance carrier partner representing property and casualty insurance products. Partnered with Arnold Insurance as one of the insurance carriers offered to customers.
• AcuitycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for business and commercial insurance products. Provides coverage options through Arnold Insurance's distribution network.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner offering property and casualty insurance. Products available through Arnold Insurance's sales channel.
• Selective InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance products distributed via Arnold Insurance.
• Blue Cross Blue ShieldcoreChannel Partner/ Reseller/ DistributorHealth insurance carrier partner for group health insurance products offered to business clients through Arnold Insurance.
• ProgressivecoreChannel Partner/ Reseller/ DistributorNational insurance carrier partner, particularly known for auto insurance, available through Arnold Insurance's carrier network.
• Cincinnati InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner offering commercial and personal lines insurance products through Arnold Insurance.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct 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

• Xx.com/arnoldcompany
• Facebookfacebook.com/myarnoldteam
• LinkedInlinkedin.com/company/arnoldcompany
• Instagraminstagram.com/myarnoldteam

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Arnold Insurance