Blue Ridge Insurance Services
Blue Ridge Insurance Services is a privately held independent insurance agency in Harrisonburg, Virginia, founded in 2006, that sells personal, commercial, health, Medicare, and group employee benefits coverage on behalf of roughly 30 carrier partners, led by Erie Insurance, to individuals, families, employers, and businesses across Virginia and the Southeastern United States.
- Company typePrivate
- Founded2006
- HeadquartersHarrisonburg, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Blue Ridge Insurance Services does
Blue Ridge Insurance Services, Inc. is a privately held, founder-owned independent insurance agency headquartered at 116 Reservoir Street in Harrisonburg, Virginia. Founded in 2006 by Karin K. Flagle, the firm sells personal lines (home, auto, umbrella, renters, farm, condo, watercraft, life), commercial lines (BOP, commercial auto, workers' compensation, general liability, commercial property, cyber liability), individual health and Medicare supplement insurance, and group employee benefits (group health, disability, dental, vision, voluntary benefits) on behalf of approximately 30 carrier partners. Erie Insurance Group, its primary carrier relationship since 2007, anchors the P&C book; other carrier partners include Aetna, Anthem Blue Cross Blue Shield, Cigna, Delta Dental, Humana, Principal, Progressive, and UNUM, among others.
The agency operates with a sales-led, relationship-driven GTM combining in-person consultations at its Harrisonburg office, phone-based inside sales, website quote requests (including Erie online quote integration), and a 24/7 self-serve client center for claims, billing, and policy changes. Marketing is supported by content marketing (blog), organic social (Facebook), email/SMS opt-in communications, and a Refer-a-Friend program. Customer segments are spread horizontally across individuals/families, employers seeking employee benefits, personal insurance clients, and business owners across Virginia and surrounding states. Clickable Coverage is a branded interactive educational tool used to walk prospects through risk visualization.
The business model is commission-based: as an independent agency, Blue Ridge earns carrier commissions on policies placed, with no disclosed pricing tiers (pricing is quote-based and varies by client circumstances). The firm reports approximately 18 employees (tripled from the original six) and no external institutional funding, parent company, or M&A history. It does not disclose revenue, public financials, or proprietary technology beyond standard agency operations and its Clickable Coverage educational platform. There are no disclosed AI/ML capabilities, patents, certifications, or awards.
Blue Ridge Insurance Services firmographics
Firmographics- Name
- Blue Ridge Insurance Services
- Legal name
- Blue Ridge Insurance Services, Inc.
- Website
- https://brisinc.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Blue Ridge Insurance Services is a privately held independent insurance agency in Harrisonburg, Virginia, founded in 2006, that sells personal, commercial, health, Medicare, and group employee benefits coverage on behalf of roughly 30 carrier partners, led by Erie Insurance, to individuals, families, employers, and businesses across Virginia and the Southeastern United States.
- Ownership category
- akta.pro rank
Blue Ridge Insurance Services industry classification
Industry- Product category
- Independent Insurance Agency
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industry
- Standalone Critical Illness Insurance (FSAIAKAA)
Keywords
Where Blue Ridge Insurance Services is headquartered
LocationHeadquarters
- HQ city
- Harrisonburg
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Blue Ridge Insurance Services business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Insurance Commissions: As an independent insurance agency, Blue Ridge Insurance Services earns commissions from insurance carriers for policies placed. They represent multiple insurance companies and offer a wide variety of insurance solutions to find the right coverage at the right price for clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing varies by individual client needs |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Blue Ridge Insurance Services product offering
Product offeringCore offering
Blue Ridge Insurance Services is an independent insurance agency that sells and services personal, business, health, and Medicare insurance policies, plus employee benefits packages. The agency represents multiple top-rated carriers and earns commissions for policies placed, providing licensed advisory service to individuals, families, and employers across Virginia and surrounding states.
Product overview
Blue Ridge Insurance Services is an independent insurance agency offering a comprehensive portfolio of insurance products and services through multiple carrier partnerships. The agency operates as a single unified service offering rather than a platform-plus-modules architecture, providing individual health, dental, and Medicare solutions alongside employee benefits (group health, disability, dental, vision, voluntary benefits), personal insurance (home, auto, umbrella, renters, farm, condo, watercraft, life), and business insurance (BOP, commercial auto, workers' comp, general liability, commercial property, cyber liability). The ErieSecure Home Bundles add-on provides enhanced home coverage tiers. The Clickable Coverage interactive platform offers educational risk visualization. Insurance carriers represented include Aetna, Anthem Blue Cross Blue Shield, Cigna, Delta Dental, Erie Insurance, Humana, Mutual of Omaha, Principal, Progressive, UNUM, and approximately 30 others.
Differentiator
Problem solved
Functional benefit
Products and services
- Individual Health Insurance Health coverage for individuals who do not have employer-sponsored plans, helping secure health protection without employer-provided options.
- Individual Dental Insurance Dental coverage for individuals to maintain oral health with diagnostic, preventative, and corrective services.
- Medicare Supplement Insurance Insurance to help manage healthcare costs for Medicare-eligible individuals, covering gaps in original Medicare.
- Group Health Insurance Employer-sponsored health coverage for businesses to attract and retain talent, covering employees and optionally dependents.
- Disability Insurance Coverage protecting employees from temporary income loss due to illness or injury, available in short-term and long-term options.
- Group Dental Insurance Employer-provided dental coverage including diagnostic, preventative, and corrective services for employees.
- Group Vision Insurance Vision coverage for employees including exams, frames, lenses, contact lenses, and safety glasses.
- Group Voluntary Benefits Employee-paid benefit options including critical illness, hospital indemnity, cancer coverage, life, and disability through payroll deduction.
- Home Insurance Coverage protecting homes against risks including fire, property damage, personal liability, and additional living expenses.
- Auto Insurance Vehicle coverage including liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection.
- Umbrella Insurance Extra liability coverage layer extending beyond standard auto and homeowners policies for additional financial protection.
- Renters Insurance Coverage protecting personal belongings and providing liability protection for tenants renting homes or apartments.
- Farm Insurance Combined property and liability coverage for farms serving as both home and business, including equipment, livestock, and crops.
- Condo Insurance Coverage for condo unit interiors, personal property, and liability gaps not covered by master condo association policies.
- Watercraft Insurance Coverage for boats and watercraft including physical damage, liability, towing, and assistance.
- Individual Life Insurance Term, whole, or universal life insurance policies protecting families with income replacement, debt coverage, and funeral cost benefits.
- Business Owners Insurance Business Owners Policy (BOP) combining property and liability coverage for small to medium businesses.
- Business Auto Insurance Commercial vehicle coverage for business cars, trucks, and fleets with higher liability limits than personal auto policies.
- Workers' Compensation Insurance Coverage for employee work-related injuries and illnesses including medical bills, care costs, and lost wages as required by state law.
- General Liability Insurance Coverage protecting businesses against bodily injury and property damage claims from third parties.
- Commercial Property Insurance Protection for business physical assets against theft, damage, fire, or natural disaster including lost income.
- Cyber Liability Insurance Protection against data breach expenses, cyberattacks, unauthorized data access, and related business interruption costs.
Quantifiable outcome
- Original staff of six has tripled over the years, indicating business growth
Companies that use Blue Ridge Insurance Services
Customer profileSegments4 records
Ideal customer profiles3 records
Blue Ridge Insurance Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Blue Ridge Insurance Services partnerships and signals
Strategic signalPartnerships
32 partnerships are on record, tiered core and minor.
- Erie Insurance GroupcoreBlue Ridge Insurance Services was appointed with Erie Insurance Group in 2007, which marked the birth of their property and casualty division. Erie Insurance is described as one of the highest-rated carriers in the area and is their primary carrier partner.
- AetnaminorHealth insurance carrier partner offering general health coverage options
- Anthem Blue Cross Blue ShieldminorHealth insurance carrier partner providing health coverage solutions
- CignaminorHealth insurance carrier partner offering health coverage options
- Delta DentalminorDental insurance carrier partner; website features Delta Dental quote links
- HumanaminorHealth insurance and Medicare carrier partner
- Mutual of OmahaminorInsurance carrier partner offering various coverage options
- Optima HealthminorHealth insurance carrier partner
- United HealthminorHealth insurance carrier partner
- UNUMminorBenefits insurance carrier partner offering disability and other employee benefits
- GuardianminorInsurance carrier partner offering life and employee benefits
- SunlifeminorInsurance carrier partner
- PrincipalminorInsurance and benefits carrier partner
- Auto-OwnersminorAuto and property insurance carrier partner
- ProgressiveminorAuto insurance carrier partner
- State AutominorProperty and casualty insurance carrier partner
- Westfield InsuranceminorInsurance carrier partner with billing integration
- MarkelminorInsurance carrier partner
- HagertyminorClassic and collector vehicle insurance carrier partner
- AmerisafeminorInsurance carrier partner
- National GeneralminorInsurance carrier partner
- Philadelphia Insurance CompaniesminorCommercial insurance carrier partner
- Loudoun MutualminorInsurance carrier partner
- Reliance StandardminorInsurance carrier partner
- StandardminorInsurance carrier partner
- West BendminorInsurance carrier partner
- AIC (Agency Insurance Company)minorInsurance carrier partner
- Companion LifeminorLife insurance carrier partner
- Dearborn National LifeminorLife insurance carrier partner
- EmployersminorBusiness insurance carrier partner
- MedishareminorHealth share program partner
- NABCOminorBenefits partner
Scale indicators5 records
Recent moves8 records
Expansion highlights5 records
Blue Ridge Insurance Services competitors and assessment
Company assessmentBroad incumbents
- Geico: Geico is the second-largest U.S. auto insurer with a direct-to-consumer model that bypasses agents entirely. Represents the primary disintermediation threat to Blue Ridge's personal auto commission revenue.
- Acrisure: Acrisure is a fast-growing insurance brokerage and financial services firm built largely through acquisitions. Comparable multi-line brokerage model and acquirer profile relevant to Blue Ridge as a potential tuck-in target for the roll-up strategy.
- Allstate: Allstate is a major national P&C insurer with both captive agents and direct channels. Competes for the same personal and small commercial insurance customers that Blue Ridge serves in Virginia, but with substantially greater brand recognition and scale.
- State Farm: State Farm is the largest U.S. personal lines insurer with a captive agent model offering auto, home, life, and health products. Comparable as a major competitor for Blue Ridge's personal insurance customer base, though operating through captive rather than independent agents.
- Progressive: Progressive is a top U.S. auto insurer with a direct-to-consumer model plus independent agent partnerships (Blue Ridge is one such partner). Competitor and partner simultaneously in personal auto, exemplifying the dual threat/opportunity Blue Ridge faces from direct carriers.
- Erie Insurance Group: Erie Insurance is the primary carrier partner for Blue Ridge since 2007 and a major P&C insurer with strong Mid-Atlantic and Southeast regional presence. Comparable because Erie operates in the same Virginia geography and product categories (personal and commercial P&C) that anchor Blue Ridge's P&C book of business.
- Brown & Brown, Inc. Brown & Brown is one of the largest independent insurance brokerages in the U.S., operating across personal, commercial, and benefits lines through decentralized offices. Comparable because they share the multi-carrier independent agency/brokerage model, although at vastly greater scale than Blue Ridge.
- Hub International: Hub International is a large global insurance brokerage placing commercial, personal, and benefits coverage across multiple carriers. Comparable business model to Blue Ridge as a multi-line independent brokerage, though operating at substantially larger scale across North America.
Direct peers
- Leavitt Group: Leavitt Group is a network of independent insurance agencies across the Western U.S., placing personal, commercial, and benefits coverage through multiple carrier partnerships. Comparable independent multi-carrier agency model with similar commission-based economics and personal/commercial/benefits product mix.
- Higginbotham: Higginbotham is an independent insurance brokerage serving businesses and individuals across the South and Southwest with multi-carrier representation in P&C, benefits, and personal lines. Highly comparable independent agency model with similar product breadth and relationship-driven GTM.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Blue Ridge Insurance Services social profiles
Digital presenceBlue Ridge Insurance Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Blue Ridge Insurance Services leadership team
Management profileNumber of profiles
Profiles7 records
Blue Ridge Insurance Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Blue Ridge Insurance Services 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 Blue Ridge Insurance Services
What does Blue Ridge Insurance Services do?
Blue Ridge Insurance Services is an independent insurance agency that sells and services personal, business, health, and Medicare insurance policies, plus employee benefits packages. The agency represents multiple top-rated carriers and earns commissions for policies placed, providing licensed advisory service to individuals, families, and employers across Virginia and surrounding states.
Is Blue Ridge Insurance Services a public or private company?
Blue Ridge Insurance Services is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Blue Ridge Insurance Services founded?
Blue Ridge Insurance Services was founded in 2006. It employs 11 to 50 people.
Where is Blue Ridge Insurance Services based?
Blue Ridge Insurance Services is headquartered in Harrisonburg, United States, in the North America region.
How does Blue Ridge Insurance Services make money?
One revenue line is on record: insurance Commissions.
Who are Blue Ridge Insurance Services's main competitors?
Broad incumbents on record are Geico, Acrisure, Allstate, State Farm, Progressive, Erie Insurance Group, Brown & Brown, Inc. and Hub International. Direct peers are Leavitt Group and Higginbotham.
Does Blue Ridge Insurance Services have an API?
No public API is recorded for Blue Ridge Insurance Services.
What industry is Blue Ridge Insurance Services in?
Blue Ridge Insurance Services's product category is Independent Insurance Agency. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of FSAIAKAA, Standalone Critical Illness Insurance. Its NAICS code is 524210 and its SIC code is 6411.