Keystone Insurance Group
Keystone Insurance Group is an independently owned Boca Raton-based insurance agency, founded in 1991, that brokers personal and commercial insurance across 11+ product lines through 30+ carrier partnerships to individuals, SMBs, and HOAs in Florida, Tennessee, and South Carolina.
- Company typePrivate
- Founded1991
- HeadquartersBoca Raton, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Keystone Insurance Group does
Keystone Insurance Group, Inc. is an independently owned insurance agency founded in 1991 and headquartered at 21301 Powerline Road, Suite 312, Boca Raton, Florida. The agency operates as an independent broker / distributor across three licensed states — Florida, Tennessee, and South Carolina — and is directly appointed with more than eight core carriers (The Hartford, Progressive, Tower Hill, Nationwide, Travelers, MetLife, Safeco, Pure) while maintaining brokerage access to over 100 commercial insurance markets. It is led by two named partners, Josh Beer and Chris McCaleb, alongside an 11-50 person staff that includes commercial lines producers, account representatives, and support functions.
The company sells a broad portfolio of 11+ insurance product lines spanning personal lines (homeowners, automobile, umbrella, flood, jewelry, life, watercraft, recreational vehicles, renters, motorcycle) and commercial lines (commercial auto, general liability, workers compensation), with additional specialty exposure to homeowner associations and property associations across Florida. Distribution is delivered through a sales-led, consultative model combining online quote request forms, inbound phone sales, walk-in office service at the Boca Raton location, and supporting digital channels including a referral program, email newsletter, social media presence, and an educational insurance blog. There is no proprietary technology platform — the website is built on a third-party Insurance Website Builder — and no mobile application or API surface exists.
Revenue is generated on a commission basis: Keystone places and renews policies on behalf of carrier partners and earns per-policy commissions, with no standard publicly disclosed pricing given the individualized nature of insurance underwriting. Customer segments are horizontally distributed across individual homeowners, personal auto drivers, SMBs, HOA/property associations, life insurance seekers, and specialty insurance buyers. Ownership is private and closely held, with no disclosed venture capital, private equity, or parent company backing.
Keystone Insurance Group firmographics
Firmographics- Name
- Keystone Insurance Group
- Legal name
- Keystone Insurance Group, Inc.
- Website
- https://keystone-ins.com
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Keystone Insurance Group is an independently owned Boca Raton-based insurance agency, founded in 1991, that brokers personal and commercial insurance across 11+ product lines through 30+ carrier partnerships to individuals, SMBs, and HOAs in Florida, Tennessee, and South Carolina.
- Ownership category
- akta.pro rank
Keystone Insurance Group industry classification
Industry- Product category
- Independent Insurance Agency / Brokerage (Personal and Commercial Lines)
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
- akta.pro secondary industries
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Commercial General Liability (CGL) (FSAJADAA), Umbrella Insurance (FSAJAMAK)
Keywords
Where Keystone Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Boca Raton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Keystone Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commission Revenue: As an independent insurance agency, Keystone Insurance Group earns commissions from insurance carriers for policies placed. The agency represents multiple insurance companies and brokers business through more than 100 commercial markets, earning commission-based revenue on each policy sold or renewed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Individualized insurance quotes based on customer profile and carrier options |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Keystone Insurance Group product offering
Product offeringCore offering
Keystone Insurance Group is an independent insurance agency that brokers personal and commercial insurance policies on behalf of clients by shopping across a network of 100+ carrier markets. The agency places coverage including homeowners, automobile, umbrella, commercial/business, flood, jewelry, life, watercraft, recreational vehicle, renters, and motorcycle insurance, earning commissions from carriers for each policy sold or renewed.
Product overview
Keystone Insurance Group is an independent insurance agency that offers a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency provides personal lines insurance (homeowners, automobile, umbrella, flood, jewelry, life, watercraft, recreational vehicles, renters, and motorcycle) as well as commercial/business insurance (commercial auto, general liability, and workers compensation). The agency acts as a broker, shopping policies across their carrier network to find optimal coverage and pricing for clients. The products are delivered through quote request forms and managed client relationships, with no unified software platform or digital product.
Differentiator
Problem solved
Functional benefit
Companies that use Keystone Insurance Group
Customer profileNamed customers10 records
Segments6 records
Ideal customer profiles4 records
Keystone Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Keystone Insurance Group partnerships and signals
Strategic signalPartnerships
32 partnerships are on record, tiered core and minor.
- The HartfordcoreFeatured carrier partner providing homeowners and commercial insurance products through Keystone Insurance Group.
- ProgressivecoreFeatured carrier partner providing auto insurance products through Keystone Insurance Group.
- Tower HillcoreFeatured carrier partner providing insurance products through Keystone Insurance Group.
- NationwidecoreFeatured carrier partner providing insurance products through Keystone Insurance Group.
- TravelerscoreFeatured carrier partner providing insurance products through Keystone Insurance Group.
- MetLifecoreFeatured carrier partner providing insurance products through Keystone Insurance Group.
- SafecocoreFeatured carrier partner providing insurance products through Keystone Insurance Group.
- PurecoreFeatured carrier partner providing specialty insurance products through Keystone Insurance Group.
- AlliedminorInsurance carrier available through Keystone Insurance Group network.
- AllstateminorInsurance carrier available through Keystone Insurance Group network.
- American ModernminorInsurance carrier available through Keystone Insurance Group network.
- American Strategic InsuranceminorInsurance carrier available through Keystone Insurance Group network.
- AmTrust North AmericaminorInsurance carrier available through Keystone Insurance Group network.
- Chubb InsuranceminorInsurance carrier available through Keystone Insurance Group network.
- FEMA/National Flood Insurance ProgramminorFlood insurance carrier available through Keystone Insurance Group network.
- Florida FamilyminorInsurance carrier available through Keystone Insurance Group network.
- Florida Peninsula InsuranceminorInsurance carrier available through Keystone Insurance Group network.
- Foremost InsuranceminorInsurance carrier available through Keystone Insurance Group network.
- GEICOminorInsurance carrier available through Keystone Insurance Group network.
- Hagerty InsuranceminorClassic car and boat insurance carrier available through Keystone Insurance Group network.
- Heritage MutualminorInsurance carrier available through Keystone Insurance Group network.
- Homeowners ChoiceminorInsurance carrier available through Keystone Insurance Group network.
- Jewelry Insurance Brokerage of North America (JIBNA)minorSpecialty jewelry insurance carrier available through Keystone Insurance Group network.
- Liberty MutualminorInsurance carrier available through Keystone Insurance Group network.
- Lloyds InsuranceminorInsurance carrier available through Keystone Insurance Group network.
- Mercury Insurance GroupminorInsurance carrier available through Keystone Insurance Group network.
- National General InsuranceminorInsurance carrier available through Keystone Insurance Group network.
- Neptune FloodminorFlood insurance carrier available through Keystone Insurance Group network.
- Southern Oak InsuranceminorInsurance carrier available through Keystone Insurance Group network.
- Tower Hill InsuranceminorInsurance carrier available through Keystone Insurance Group network.
- Wright Flood InsuranceminorFlood insurance carrier available through Keystone Insurance Group network.
- ZurichminorInsurance carrier available through Keystone Insurance Group network.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
Keystone Insurance Group competitors and assessment
Company assessmentDirect peers
- Bankers Insurance Group: Florida-headquartered insurance agency offering personal and commercial lines. Comparable to Keystone as a Florida-focused multi-line independent agency serving similar residential and small-business customer segments.
- Insurance Office of America: Florida-headquartered independent insurance agency offering multi-line personal and commercial brokerage across multiple states. Most directly comparable to Keystone in product mix, independent agency model, and Florida-centric customer base, but operating at significantly larger scale.
- Brown & Brown Insurance: Daytona Beach, FL-headquartered independent insurance broker with national footprint offering personal, commercial, and specialty lines. Closest direct peer in business model (independent agency/brokerage) and Southeast geographic concentration, though materially larger and publicly traded.
- Frank Winston Crum Insurance: Florida-based independent insurance agency providing multi-line personal and commercial coverage. Comparable to Keystone in independent agency structure and Florida-centric placement focus.
- Higginbotham: Texas-based independent insurance brokerage with multi-state footprint offering personal, commercial, and employee benefits lines. Comparable to Keystone in independent agency/brokerage model and multi-carrier placement approach, though with broader regional scope and larger scale.
Broad incumbents
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with significant U.S. retail brokerage operations. Comparable as a multi-line broker, but at far larger scale and with broader risk-management and consulting capabilities Keystone does not offer.
- Marsh McLennan: Global professional services firm with Marsh as a leading insurance brokerage and risk advisor. Comparable in commercial and personal lines brokerage, but operates as a broad incumbent with global enterprise capabilities Keystone does not replicate.
- Hub International: Large North American insurance brokerage offering commercial, personal, and employee benefits brokerage across the U.S. and Canada. Comparable in product breadth and brokerage model, but operates as a broad incumbent at significantly greater scale than Keystone.
Emerging players
- Lemonade: Digital-first direct-to-consumer insurance carrier offering homeowners, renters, auto, pet, and life insurance through a mobile app. Comparable in product lines (especially homeowners and personal lines) but represents the insurtech model that competes with independent agencies like Keystone for consumer share.
Regional players
- Florida Peninsula Insurance Company: Florida-focused homeowners property insurer that writes through independent agents including Keystone. Comparable as a Florida-centric insurance participant, though as a carrier rather than an agency.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Keystone Insurance Group social profiles
Digital presenceKeystone Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Keystone Insurance Group leadership team
Management profileNumber of profiles
Profiles7 records
Keystone Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Keystone Insurance Group 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 Keystone Insurance Group
What does Keystone Insurance Group do?
Keystone Insurance Group is an independent insurance agency that brokers personal and commercial insurance policies on behalf of clients by shopping across a network of 100+ carrier markets. The agency places coverage including homeowners, automobile, umbrella, commercial/business, flood, jewelry, life, watercraft, recreational vehicle, renters, and motorcycle insurance, earning commissions from carriers for each policy sold or renewed.
Is Keystone Insurance Group a public or private company?
Keystone Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Keystone Insurance Group founded?
Keystone Insurance Group was founded in 1991. It employs 11 to 50 people.
Where is Keystone Insurance Group based?
Keystone Insurance Group is headquartered in Boca Raton, United States, in the North America region.
How does Keystone Insurance Group make money?
One revenue line is on record: insurance Commission Revenue.
Who are Keystone Insurance Group's main competitors?
Direct peers on record are Bankers Insurance Group, Insurance Office of America, Brown & Brown Insurance, Frank Winston Crum Insurance and Higginbotham. Broad incumbents are Arthur J. Gallagher & Co., Marsh McLennan and Hub International. Lemonade is listed as an emerging player. Florida Peninsula Insurance Company is listed as a regional player.
Does Keystone Insurance Group have an API?
No public API is recorded for Keystone Insurance Group.
What industry is Keystone Insurance Group in?
Keystone Insurance Group's product category is Independent Insurance Agency / Brokerage (Personal and Commercial Lines). Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution, with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 52421 and its SIC code is 6411.