Pdm Insurance

What Pdm Insurance does

PDM Insurance Agency is an independent insurance brokerage headquartered in Chambersburg, Pennsylvania, founded in 1986 and led by President Rita McMullen (CPCU/AAI). The agency operates three physical offices across south-central Pennsylvania (Chambersburg, Dry Run, Biglerville) and is licensed in 12 states spanning the Mid-Atlantic, Midwest, and Southeast. Its core function is intermediating insurance products between customers and a network of 40+ insurance carriers, earning commissions on placed policies.

The agency sells across seven product lines: personal (auto, home, renters, umbrella, life, bike & toy), business (general liability, commercial property, BOP, commercial auto, workers comp, cyber liability, professional liability, D&O, EPLI), farm and agribusiness, crop insurance, pet insurance, equine mortality and major medical, and the exclusive PennAg Prime program for PennAg Industries Association members. The agency has built a particular specialty in agricultural insurance — covering cattle, swine, poultry, produce, agritainment, and crop protection (corn, soybeans, wheat, apples, peaches) — which represents a differentiator versus generalist agencies. Its customer base is predominantly retail (individuals, families, small businesses, and farms), with no enterprise or large-corporate segment evident.

PDM's revenue model is commission-based, with no proprietary technology disclosed; operations rely on third-party platforms including CSR24 for client self-service and Insureio for online quote capture. Distribution is direct — via office visits, phone, text, and web quote forms — with no marketplace or broker-of-brokers channel. The agency is privately held and family-influenced, with the McMullen family in leadership and no external investors, funding rounds, or M&A activity disclosed. There are no AI, machine learning, or proprietary technology capabilities referenced in the source data.

Name

Pdm Insurance

Legal name

PDM Insurance Agency

Website

https://pdminsuranceagency.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

1–10 employees

Short description

PDM Insurance Agency is a Pennsylvania-based independent insurance brokerage selling personal, business, farm, crop, pet, and equine policies through 40+ carriers across 12 states, with three offices and a specialty focus on agricultural clients.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industry

Directors & Officers (D&O) Liability (FSAJADAF)

Keywords

• Independent insurance agency
• Multi-line insurance brokerage
• Commercial insurance services
• Farm and crop insurance
• Agricultural insurance coverage

Headquarters

HQ city

Chambersburg

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: PDM Insurance earns commissions from insurance carriers for placing policies. They represent 40+ carriers for auto and home insurance, suggesting commission-based revenue from multiple insurance company partnerships.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

PDM Insurance Agency is an independent insurance brokerage that places personal, business, farm, crop, pet, and equine insurance coverage on behalf of customers through partnerships with 40+ insurance carriers. Operating from three Pennsylvania office locations and licensed across 12 U.S. states, the agency leverages multi-carrier access to offer competitive pricing, bundle discounts (advertised at an average 30% savings on combined home and auto), and niche expertise in agricultural and equine insurance lines that most generalist agencies do not serve.

Product overview

PDM Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products across personal, business, and agricultural lines. The agency operates as a broker connecting customers with 40+ insurance carriers. Core products include Personal Insurance (auto, home, life, bike & toy), Business Insurance (general liability, commercial property, workers compensation, cyber liability), Farm & Crop Insurance, Pet Insurance, and Equine Insurance. PennAg Prime is a membership-based add-on program providing specialized agribusiness coverage exclusively for PennAg Industries Association members.

Differentiator

Problem solved

Functional benefit

Brands

• PennAg Prime: Exclusive insurance program administered by PDM for members of PennAg Industries Association, offering Workers Compensation, Farm/Commercial Ag package, Cyber Liability, and Employment Practices Liability coverage.

Products and services

• Personal Insurance Multi-line personal insurance bundle for individuals and families, including auto, home, renters, umbrella, landlord, bike and toy, and life insurance policies placed through 40+ insurance carriers. Offers an advertised average 30% savings when combining home and auto coverage, and supports discounts for safe drivers, homeowners, good students, and distant students.
• Auto Insurance Vehicle coverage placed through 40+ carriers, including liability, comprehensive, uninsured/underinsured motorist, and roadside assistance. Bundled with home insurance for an average 30% savings.
• Home Insurance Homeowners, renters, umbrella, and landlord insurance policies placed through 40+ carriers, designed to be bundled with auto for combined-policy savings.
• Life Insurance Term life insurance (10, 15, 20, or 30-year terms) and whole life insurance with cash value accumulation and lifetime coverage.
• Bike and Toy Insurance Coverage for motorcycles, travel trailers, living-quarters horse trailers, RVs, ATVs, UTVs, and RZRs.
• Business Insurance Comprehensive commercial insurance for businesses from startups to multi-location operations, including core coverages (general liability, commercial property, BOP, commercial auto, workers compensation, umbrella, professional liability, EPLI, cyber liability, D&O) and industry-specific coverages for contractors, restaurants, salons, retail, real estate, manufacturing, and non-profits.
• Farm and Crop Insurance

Quantifiable outcome

• Save 30% on average by combining home and auto insurance
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Two partnerships are on record, tiered core.

• PennAg Industries AssociationcoreStrategic or Co-development PartnerPDM is an administrator for the exclusive PennAg Prime Insurance program, available only to PennAg Industries Association members. This premier agribusiness association in Pennsylvania advocates for agricultural businesses. The program offers Workers Compensation through McKee Risk Management, Farm/Commercial Ag package through Westfield Insurance, and Cyber Liability/EPLI through Chubb Insurance.
• 40+ Insurance CarrierscoreChannel Partner/ Reseller/ DistributorPDM offers auto and home coverage through 40+ different insurance carriers, enabling competitive pricing comparisons for customers. This multi-carrier model is central to their value proposition of finding the best prices.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Erie Insurance: Pennsylvania-headquartered P&C insurer that distributes almost exclusively through independent agencies across the Mid-Atlantic and Midwest. Like PDM, Erie relies on local agent relationships and multi-line personal and commercial placement, making it a direct competitor for the same household and small-business wallet in PDM's core PA/MD/NY/VA territory.
• Cincinnati Financial: Ohio-based P&C insurer whose Cincinnati Insurance Companies subsidiary distributes almost exclusively through appointed independent agents across the Midwest, Mid-Atlantic, and Southeast. Closely analogous to PDM in agent-driven distribution and multi-line commercial/personal placement.
• Westfield Insurance: Ohio-based super-regional P&C carrier with strong farm and agribusiness underwriting and independent agency distribution. Westfield is both a PDM carrier partner (Farm/Commercial Ag package via PennAg Prime) and a competitor for ag and commercial accounts in the Midwest and Mid-Atlantic.
• Auto-Owners Insurance: Michigan-based P&C carrier selling exclusively through independent agents in 26 states including PDM's footprint (PA, OH, VA, NC, GA, TN). Direct peer on independent agency distribution, multi-line personal/commercial offerings, and agent-led customer relationships.
• Acuity Insurance: Midwest-based regional P&C carrier built on an independent agency model, with personal, commercial, and specialty lines. Comparable to PDM in distribution approach (independent agent, multi-line) and overlapping in commercial and specialty placements as PDM extends into OH, IN, and MN.
• Donegal Group: Pennsylvania-based regional P&C insurer with an independent agency distribution model concentrated in the Mid-Atlantic. Donegal competes directly with PDM for personal, commercial, and farm accounts in Pennsylvania and adjacent states through similar appointed-agent channels.
• Lititz Mutual: Pennsylvania-based regional P&C mutual distributing through independent agents across PA, MD, and adjacent states. Direct competitor for personal, commercial, and farm accounts in PDM's core Pennsylvania geography.
• Penn National Insurance: Regional P&C carrier headquartered in Harrisburg, PA, distributing through independent agents in PA and surrounding states. Overlaps directly with PDM's personal and small-commercial lines, particularly within the south-central Pennsylvania footprint.

Broad incumbents

• State Farm: Largest US personal lines insurer distributing through captive agents, with growing presence in small commercial. Competes with PDM on auto and home across all licensed states and increasingly on small-business and farm coverages, raising competitive intensity in PDM's core personal-lines business.
• Nationwide: National P&C, life, and agribusiness insurer with deep farm and ranch underwriting heritage (legacy Farm Bureau connections) and multi-channel distribution including independent agents. Competes with PDM on personal, commercial, and especially ag/farm lines across all 12 of PDM's licensed states.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCWD8c20lVDjlW5hhGU-gj0Q
• Facebookfacebook.com/PDMInsuranceAgencyInc/videos/110981604374294
• LinkedInlinkedin.com/company/pdm-insurance-agency
• Instagraminstagram.com/pdminsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Pdm Insurance