Capstone Insurance Services LLC

What Capstone Insurance Services LLC does

Capstone Insurance Services LLC is a privately held property and casualty insurance agency founded in 1995 and headquartered in Greenville, United States. Per firmographic data, the company operates with a small team of 1-10 employees and functions as a local retail insurance agency, distributing personal and commercial P&C coverage. Its operating status appears active, with a public web presence at capstoneinsurance.com.

The company's revenue mechanics are consistent with a traditional small-scale insurance agency model: it earns commissions on policies placed with carrier partners, with no publicly disclosed pricing structure, carrier appointments, or technology stack. Source material indicates pricing is not publicly disclosed and no proprietary technology, integrations, or AI capabilities are documented for the named entity.

A critical data-quality note: the aggregated source content is dominated by information about Marsh McLennan Agency (MMA) — a materially different and far larger subsidiary of Marsh McLennan operating across the United States and Canada with thousands of employees and 27 industry verticals. The partnership, product, customer-segment, and competitive-advantage data describe MMA, not Capstone Insurance Services LLC, and have not been attributed to the subject company in this analysis. Investors should treat Capstone as a small, local P&C agency whose growth, technology, and competitive positioning cannot be inferred from the MMA-tagged content.

Name

Capstone Insurance Services LLC

Legal name

Marsh & McLennan Agency

Website

https://capstoneinsurance.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

Capstone Insurance Services LLC is a privately held property and casualty insurance agency founded in 1995 and based in Greenville, United States, operating with 1-10 employees to serve local personal and commercial insurance clients.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Property casualty insurance
• Commercial insurance brokerage
• Employee benefits consulting
• Risk management services
• Retirement wealth advisory

Headquarters

HQ city

Greenville

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Distribution channels1 record

Marketing channels4 records

Core offering

Capstone Insurance Services, LLC operates as a property and casualty insurance agency founded in 1995 and headquartered in Greenville, United States. Per the associated source content describing the broader Marsh McLennan Agency ecosystem, the agency delivers commercial insurance brokerage (Property, Casualty, Cyber), employee health and benefits consulting (HR Consulting, Pharmacy solutions, HR Technology Consulting), private client insurance (Homeowners, Auto, Liability), and retirement and wealth services (Employer Retirement Plans, Financial Well-being, Wealth Management, MMA IRA).

Product overview

Marsh McLennan Agency offers a platform of insurance, employee benefits, and retirement services organized around four core product lines: Business Insurance (covering Property, Casualty, and Cyber), Employee Health & Benefits (including HR Consulting, Pharmacy, and HR Technology Consulting), Private Client Services (Homeowners, Auto, and Liability), and Retirement & Wealth (Employer Retirement Plans, Financial Well-being, and Wealth Management). The core Business Insurance and Employee Health & Benefits offerings are supplemented by specialized add-on solutions including Business Interruption Insurance, Stop Loss Solutions, Risk Management Solutions, Workers' Health 360, Claims Management, Voluntary Benefits, and Dimensions of Well-Being. The product architecture integrates risk management, employee well-being, and financial planning into a unified portfolio serving both business and individual clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance
• Employee Health & Benefits
• Private Client Services
• Retirement & Wealth

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• MarshcoreStrategic or Co-development PartnerMarsh McLennan Agency is a Marsh business. Marsh is the world's leading insurance broker and risk management services firm, providing the foundation for MMA's insurance brokerage capabilities and global risk management resources.
• Guy CarpentercoreStrategic or Co-development PartnerGuy Carpenter is a global leader in risk and reinsurance services. Part of the Marsh McLennan ecosystem, providing specialized reinsurance broking capabilities that complement MMA's insurance offerings.
• MercercoreStrategic or Co-development PartnerMercer is a global leader in HR and employee benefits consulting. Provides expertise in health, retirement, and talent solutions that align with MMA's employee benefits and retirement service offerings.
• Oliver WymancoreStrategic or Co-development PartnerOliver Wyman is a global leader in management consulting. Part of the Marsh McLennan family, providing consulting expertise that enhances MMA's strategic advisory capabilities.

Scale indicators2 records

Recent moves1 record

Expansion highlights1 record

Broad incumbents

• Marsh McLennan Agency: Large US/Canada-focused subsidiary of Marsh McLennan offering P&C, employee benefits, retirement, and private client services to mid-market and enterprise clients. Not a direct competitor to Capstone on book size, but represents the dominant scaled competitor and consolidator in the same P&C agency / brokerage space as Capstone.
• Acrisure: Large, technology-enabled insurance brokerage built via aggressive roll-up of regional P&C and benefits agencies. Comparable to Capstone on the underlying P&C agency business model, but operating at vastly larger scale as a frequent acquirer of firms like Capstone.

Direct peers

• Heffernan Insurance Brokers: Independent commercial insurance brokerage serving mid-market and enterprise clients with property, casualty, and specialty coverages. Directly comparable to Capstone's P&C agency model and an example of a scaled-up independent agency competitor in overlapping regional and national accounts.
• Brown & Riding: Specialty insurance brokerage arranging property, casualty, professional lines, and surplus lines coverage for commercial clients. Comparable to Capstone on the P&C agency / brokerage core, with a heavier specialty tilt that illustrates one growth path Capstone could pursue.
• IMA Financial Group: Independent insurance and risk management agency offering commercial P&C, employee benefits, and wealth services to mid-market clients. Comparable to Capstone in line-of-business breadth across P&C and benefits, though at meaningfully larger scale; useful benchmark for Capstone's growth trajectory.
• Risk Strategies Company: National specialty insurance brokerage built through acquisitions of independent agencies across P&C, professional lines, and benefits. Comparable to Capstone's P&C agency model, but operating at national scale; reflects the type of consolidator that could acquire Capstone.
• Hilb Group: Mid-size US P&C and employee benefits brokerage built largely through regional agency acquisitions. Highly comparable to Capstone as an independent agency model serving commercial clients with property, casualty, and related coverages, with Hilb representing a larger scaled example of the same playbook Capstone could pursue.
• Burns & Wilcox: Specialty insurance brokerage distributing commercial and personal P&C coverages through wholesale and retail channels. Comparable to Capstone on core P&C brokerage activity, with Burns & Wilcox representing a scaled specialty and surplus-lines peer.
• Woodruff-Sawyer & Co. Independent commercial insurance broker focused on mid-market P&C, executive liability, and employee benefits. Comparable business model to Capstone's P&C agency structure and a relevant comp on service intensity versus pure commission brokerage.
• Cross Insurance: Regional independent insurance agency offering commercial P&C, personal lines, and employee benefits across the Eastern US. Closely comparable to Capstone on geography, lines of business, and independent agency economics, with Cross operating at significantly larger scale.

Market position

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/capstone-insurance-services-llc

Revenue estimate

Valuation estimate

Number of profiles

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 Capstone Insurance Services LLC