R.C. Lafond Insurance Agency

What R.C. Lafond Insurance Agency does

R.C. Lafond Insurance Agency is a second-generation, family-owned independent insurance brokerage founded in 1960 in North Andover, Massachusetts, and operated today by brothers Peter and Jim Lafond with approximately six team members. The agency places personal and commercial property-and-casualty policies on behalf of individuals, families, and small-to-medium businesses in the Merrimack Valley, the North Shore, Southern New Hampshire, and adjacent areas of Maine, and operates the retained W.L. Winston Insurance Agency brand acquired in January 2007. Its core product set covers auto, home (including homeowners, condo, rental, mobile home, investment property, dwelling fire, flood, earthquake, and umbrella), and commercial lines (business property, commercial auto, professional and general liability, workers compensation, fleet, contractors equipment, builders risk, liquor liability, and multi-family rental), supplemented by motorcycle, ATV/snowmobile, watercraft, motorhome, and scheduled jewelry/fine arts coverage.

Name

R.C. Lafond Insurance Agency

Legal name

R.C. Lafond Insurance Agency

Website

https://rclafondinsurance.com

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

1–10 employees

Short description

The agency earns revenue through carrier commissions on placed policies, retaining a percentage of premiums written across its eight-carrier independent agency roster. There is no proprietary technology stack; operations rely on standard carrier platforms, the agency website, and direct phone/in-person engagement. The go-to-market is relationship-driven, centered on community presence, multi-generational referrals, and personalized quote handling. Customer segments are individual/family consumers and local SMBs, served through a single North Andover headquarters plus the W.L. Winston subsidiary in Peabody.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAJ

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

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAJANAA

Personal Umbrella Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Umbrella Insurance

SECONDARYFSAJAMAB

Commercial Auto & Fleet Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

SECONDARYFSAJANAE

Standalone Umbrella Liability

Financial & Insurance/Insurance — Motor, Property & Casualty/Umbrella Insurance

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance coverage
• Multi-carrier insurance broker
• Auto and home insurance

Headquarters

HQ city

North Andover

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, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, R.C. Lafond earns revenue through commissions paid by insurance carriers for policies placed. They represent multiple insurance companies (Arbella, Andover Companies, Hartford, Main Street America, Massachusetts Property Insurance Underwriting Association, Norfolk-Dedham, Plymouth Rock, Safety Insurance), earning a percentage of each premium sold.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

R.C. Lafond Insurance Agency is an independent, family-owned insurance brokerage founded in 1960 that represents multiple top-rated regional and national carriers (Arbella, Andover Companies, Hartford, Main Street America, MPIUA, Norfolk-Dedham, Plymouth Rock, and Safety Insurance) to provide personal lines (auto, home, watercraft, jewelry/fine art, personal umbrella, life, health) and commercial lines (business) insurance products to individuals, families, and businesses across Massachusetts's Merrimack Valley, Southern New Hampshire, and the North Shore.

Product overview

R.C. Lafond Insurance Agency is a second-generation family-run independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The core offerings include Auto Insurance, Home Insurance (covering homeowners, condo, rental, mobile home, and investment properties), and Commercial Insurance (covering business property, liability, workers compensation, and commercial fleet). The agency also provides supplementary products including Personal Umbrella, Motorcycle/ATV/Snowmobile Insurance, Watercraft Insurance, Motorhome Insurance, and scheduled jewelry/fine arts riders. As an independent agency, they work with multiple top insurance carriers to customize coverage for clients. The W.L. Winston Insurance Agency, acquired in 2007, operates as part of their portfolio.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance
• Personal Home Insurance
• Life Insurance
• Health Insurance
• Commercial Insurance

Quantifiable outcome

• Up to 15% savings when combining home and auto insurance with the same carrier
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered major and core.

• W.L. Winston Insurance AgencymajorStrategic or Co-development Partner · 1 January 2007Family-run insurance agency founded in 1931, acquired by R.C. Lafond in January 2007. Located in Peabody, Massachusetts. Acquisition expanded R.C. Lafond's presence on the North Shore and throughout Massachusetts, New Hampshire, and Maine.
• Arbella InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto, home, and commercial insurance products. R.C. Lafond serves as independent agent placing client policies with Arbella. Claims filing and payment services available through Arbella's online portal.
• Andover CompaniescoreChannel Partner/ Reseller/ DistributorRegional insurance carrier specializing in personal and commercial property coverage. R.C. Lafond represents Andover Companies for policy placement and client service.
• Hartford InsurancecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier partner offering auto, home, and business insurance products through R.C. Lafond's independent agency.
• Main Street AmericacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance products represented by R.C. Lafond agency.
• Massachusetts Property Insurance Underwriting Association (MPIUA)coreChannel Partner/ Reseller/ DistributorState-chartered insurance association providing coverage for properties in Massachusetts. Jim Lafond serves on MPIUA's Producer Advisory Council.
• Norfolk-Dedham GroupcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner offering commercial and personal lines coverage through independent agents like R.C. Lafond.
• Plymouth Rock InsurancecoreChannel Partner/ Reseller/ DistributorMassachusetts-based insurance carrier providing auto and home coverage, represented by R.C. Lafond Insurance Agency.
• Safety InsurancecoreChannel Partner/ Reseller/ DistributorRegional Massachusetts insurance carrier providing personal and commercial coverage options through R.C. Lafond agency.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Brown & Brown Insurance: Major U.S. insurance brokerage with a Massachusetts/New England presence. Comparable distribution model (independent brokerage selling commercial and personal lines across multiple carriers), but with public-company scale, capital, and acquisition capacity that dwarfs family agencies.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with significant New England operations. Same independent brokerage/intermediary business model placing P&C and commercial coverage, but at massive scale with specialty practices Gallagher handles directly that small agencies like R.C. Lafond must refer out.
• Hub International: Large national insurance brokerage with a New England regional office. Comparable as an independent agency/brokerage channel, but operates at vastly greater scale with institutional backing, broader carrier access, and significant commercial-line focus.
• Acrisure: Rapidly consolidating insurance brokerage with regional operations across the Northeast. Same brokerage/intermediary function but operates an aggressive M&A roll-up model that competes directly for the same small-business clients and may eventually acquire independent agencies of R.C. Lafond's size.
• USI Insurance Services: Large national insurance brokerage and consulting firm with New England presence. Comparable as a multi-carrier broker offering personal and commercial lines, but with significantly broader resources, specialty practices, and national accounts capability.

Direct peers

• Murray Insurance Associates: Independent insurance agency operating in the same Massachusetts/Merrimack Valley-adjacent region. Same independent agency model placing personal and commercial lines, comparable size and customer mix.
• Hodsdon & Hodsdon Insurance Agency: Smaller New England independent insurance agency with comparable size, family/relationship-driven model, and personal/commercial line focus. Closest size and operating model match for R.C. Lafond.
• Starkweather & Shepley Insurance Brokerage: Long-standing, family-influenced independent insurance brokerage based in Rhode Island with New England reach. Directly comparable as a multi-generational, independent agency offering personal and commercial lines through multiple carrier partners in the same regional market.
• Cross Insurance: Large New England–based independent insurance agency headquartered in Bangor, Maine, with offices across MA, NH, and ME — directly overlapping R.C. Lafond's service territory. Same independent agency model, same carrier-broker structure, same personal and commercial line focus, but at a meaningfully larger scale.

Others

• Andover Companies (Hagerty Insurance / Baystate): Regional insurance carrier and partner of R.C. Lafond. Listed as an "OTHERS" peer because Andover Companies is a carrier, not a competing agency, but is materially comparable as a regional Massachusetts P&C insurance market participant with overlapping customer base and product mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/r-c-lafond-insurance
• Instagraminstagram.com/rclafondinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 R.C. Lafond Insurance Agency