E & S INSURANCE SERVICES

What E & S INSURANCE SERVICES does

E & S Insurance Services LLC is an independent insurance agency headquartered at 21 Meadowbrook Lane in Gilford, New Hampshire, serving residents and businesses of New Hampshire and neighboring states. The firm operates through a team of eight licensed agents (Wendy Bua, Sara Hardy, Fairley Kenneally, Anthony Spinazzola, Eleanor Spinazzola, Margaret Spinazzola, Sidney Stevens, Ryan Stevens) and functions as an intermediary between customers and multiple insurance carriers, placing policies across four product lines: Personal Insurance (auto, homeowner's, recreational vehicles, flood, life, disability, long-term care, health, dental), Business Insurance (general liability, commercial property, business auto, professional liability, BOP, D&O, bonds, flood), Employee Benefits administration (COBRA, FSA, Section 125, HRA, electronic enrollment, personalized benefits portal), and specialized Non-Profit Insurance offered under an exclusive designation from the New Hampshire Center for Nonprofits.

The go-to-market is sales-led and relationship-driven — personalized agent consultations rather than digital self-service — with the primary customer-acquisition asset being the exclusive NHCNP partnership that funnels member non-profit organizations to the firm. Technology infrastructure is minimal and non-proprietary: a traditional ASP.NET website (esinsurance.com) with a customer login portal and an internal benefits administration portal, and no disclosed APIs, SDKs, AI/ML features, or data assets. There is no app, no public integrations, no patents or trademarks, no certifications, and no technology partnerships beyond the NHCNP channel relationship.

The revenue model is commission-based, earning placement fees from carriers on policies written across personal and commercial lines and recurring administration fees on benefits accounts. Pricing is quote-based and varies by individual risk assessment and carrier underwriting criteria; no subscription tiers, transaction fees, or alternative revenue streams are disclosed. The firm is privately held, has no parent company, no institutional investors, no funding rounds, and no M&A history in the available data, indicating it is a bootstrapped, owner-operated regional agency financed entirely from operating cash flow.

Name

E & S INSURANCE SERVICES

Legal name

E & S Insurance Services LLC

Website

https://esinsurance.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

E & S Insurance Services LLC is an independent New Hampshire insurance agency serving individuals, small businesses, and non-profit organizations with personal, commercial, and employee benefits coverage through a team of eight licensed agents.

Ownership category

akta.pro rank

Headquarters

HQ city

Gilford

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

Revenue model

1. Insurance Agency Commissions: Earns commissions from insurance carriers for policies placed. Acts as intermediary between customers and insurance providers, earning referral/placement fees on successful policy sales.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Independent insurance agency in Gilford, New Hampshire acting as an intermediary between customers and multiple insurance carriers. The agency places personal lines (auto, home, recreational vehicles, life, health, disability), commercial lines (general liability, property, BOP, D&O, commercial auto, workers' compensation), employee benefits, and nonprofit-specialized insurance coverage for residents and businesses across New Hampshire and neighboring states.

Product overview

E & S Insurance Services is an independent insurance agency offering a unified portfolio of personal and commercial insurance products. The core offerings consist of Personal Insurance (auto, home, recreational vehicles, health, life), Business Insurance (liability, property, commercial auto, BOP, D&O), Employee Benefits (health benefits administration, FSA, Section 125), and Non-Profit Insurance (specialized coverage for non-profits, offered as exclusive agent for the New Hampshire Center for Nonprofits). The agency serves as an intermediary, aggregating multiple insurance carriers to provide competitive quotes and customized coverage solutions for individuals, businesses, and non-profit organizations in New Hampshire.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance

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

One partnership is on record.

• New Hampshire Center for Nonprofits (NHCNP)coreChannel Partner/ Reseller/ DistributorE & S Insurance Services is the exclusive insurance agency for the New Hampshire Center for Nonprofits. This exclusive partnership provides insurance services to NHCN members, including all types of business insurance, health, dental, vision, life, disability, and property & casualty insurance. E & S tailors benefits and value-added services to the unique needs of non-profit organizations.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• USI Insurance Services: Large national brokerage providing property/casualty, employee benefits, and personal lines. Comparable in delivering the same four product categories E & S offers, but at a much broader geographic and segment scale.
• Hub International: Global insurance brokerage with strong North American middle-market presence across P&C and benefits. Overlaps with E & S in serving small businesses and offering employee benefits, but at far greater scale and breadth.
• Marsh McLennan Agency: Middle-market-focused brokerage subsidiary of Marsh McLennan delivering commercial, personal, and benefits solutions. Comparable in product mix and SMB/middle-market service orientation, with significantly broader geographic reach.
• Brown & Brown: National insurance distributor offering retail commercial, personal, and benefits programs. Compares on multi-line independent agency economics and carrier relationships, though operating at dramatically greater scale and across all 50 states.
• The Hilb Group: Middle-market insurance brokerage aggregating personal, commercial, and benefits lines. Comparable in product breadth and independent-agency orientation, though substantially larger and operating across more states than E & S.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm covering retail P&C, benefits, and consulting. Overlapping product categories (commercial, personal, benefits) but operating at vastly larger scale with institutional client focus.
• RPS Insurance Brokerage: Specialty wholesale and retail brokerage with strong personal and commercial lines practice. Compares on independent multi-carrier distribution model, though with greater product and geographic diversification.

Direct peers

• Cross Insurance: New England-headquartered independent insurance agency offering personal, commercial, and employee benefits coverage across multiple states. Highly comparable regional multi-line agency model serving individuals and businesses, the closest structural analog to E & S.
• Nonprofits Insurance Alliance Group: Insurance provider and brokerage dedicated exclusively to the nonprofit sector. Highly comparable in serving the same nonprofit customer base as E & S's NHCNP channel, with deeper sector specialization.
• Ames & Gough: Specialty insurance brokerage focused on nonprofit, religious, and human services organizations. Closest functional analog to E & S's nonprofit specialization through NHCNP, with similar reliance on sector-specific expertise.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/nhinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 E & S INSURANCE SERVICES