CARL A. WALKER INSURANCE AGENCY, INC.

What CARL A. WALKER INSURANCE AGENCY, INC. does

Carl A. Walker Insurance Agency, Inc. is an independent insurance agency headquartered in Mebane, North Carolina, founded by Carl A. Walker in June 1998. The firm sells personal and commercial insurance products to individuals, families, and small-to-medium businesses across North Carolina, operating from a single office at 210 West Clay Street in Mebane. The agency is staffed by approximately 5-8 employees including 6 licensed agents and 2 customer service representatives, with the founder remaining active as an insurance agent since 1988.

The agency distributes insurance products through seven carrier partnerships — Erie Insurance as the flagship partner, alongside Progressive, Liberty Mutual, Foremost, Hagerty, National General, and Utica National — enabling multi-carrier price comparison within the independent agent model. Product offerings span personal lines (auto, homeowners, renters, condo, boat/marine, motorcycle, flood, high net worth, life, disability, final expense, Medicare supplements), commercial lines (BOP, commercial property, general liability, commercial auto, workers' compensation, professional liability/E&O, business interruption, commercial umbrella, surety bonds, and hospitality insurance), and value-added endorsements such as Extended Water Coverage, Equipment Breakdown, and Guaranteed Replacement Cost. Technology is described as standard agency operations: a website with quote forms, an instant auto/home quote tool, online billing and claim filing, and unspecified CRM systems, with no proprietary technology platform disclosed.

The business model is commission-based recurring revenue: the agency earns percentage commissions from carrier partners on each policy sold and renewed, with billing cadence typically monthly. Go-to-market is direct-to-consumer through phone inquiries, in-person office consultations, and online quote request forms, supplemented by a Refer-a-Friend program, educational blog content, and Facebook presence. There is no evidence of institutional investment, parent company ownership, M&A activity, or funding rounds; the firm operates as a privately held, founder-led local agency with no public financial disclosures.

Name

CARL A. WALKER INSURANCE AGENCY, INC.

Legal name

Carl A. Walker Insurance Agency

Website

https://carlwalkerinsurance.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Carl A. Walker Insurance Agency is an independent insurance agency in Mebane, North Carolina, founded in 1998, selling personal and commercial insurance products to individuals and small businesses across North Carolina through seven carrier partnerships.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance products
• Multi-carrier insurance agents
• Local insurance services

Headquarters

HQ city

Mebane

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, the company earns commissions from insurance carriers (Erie Insurance, Progressive, Liberty Mutual, Foremost, Hagerty, National General, Utica National) for each policy sold and renewed. Commissions are typically a percentage of the premium paid by customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Carl A. Walker Insurance Agency is an independent insurance agency that sells personal, commercial, and life and health insurance products on behalf of multiple insurance carriers. It places coverage with Erie Insurance, Progressive, Liberty Mutual, Foremost, Hagerty, National General, and Utica National, allowing it to comparison-shop across carriers for individuals, families, and small to medium businesses in North Carolina. Products are sold and serviced by six licensed agents supported by two customer service representatives from the Mebane headquarters, with phone, in-person, and online quote channels.

Product overview

Carl A. Walker Insurance Agency offers a comprehensive portfolio of insurance products through an independent agency model. The agency provides personal insurance products (auto, homeowners, boat, motorcycle, renters, condominium, flood, high net worth, and life/health insurance) and commercial/business insurance products (general liability, commercial property, commercial auto, workers' compensation, professional liability, business interruption, business owners package, umbrella, surety bonds, and hospitality insurance). The agency represents multiple insurance carriers including Erie Insurance, Foremost, Hagerty, National General, Progressive, Liberty Mutual, and Utica National, allowing them to offer competitive options across their product lines. Add-on endorsements and specialized coverage options include Extended Water Coverage, Equipment Breakdown Coverage, and Guaranteed Replacement Cost Coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage protecting against accidents, liability, and damage, offered to individuals and families in North Carolina. Sold through multiple carrier partners including Erie Insurance and Progressive.
• Homeowners Insurance Coverage protecting the physical structure of homes and personal belongings from covered hazards such as fire, wind, and theft. Offered to North Carolina homeowners through carrier partners.
• Boat & Marine Insurance Coverage for watercraft and marine vessels against damage, liability, and related risks. Offered through carrier partners including Hagerty.
• Condominium Insurance Coverage tailored for condominium owners, protecting the unit and personal property.
• Flood Insurance Protection against flood damage offered through a partnership with American Bankers Insurance Company.
• High Net Worth Coverage Specialized coverage for high-value homes and assets requiring higher coverage limits, sold as a packaged add-on endorsement.
• Motorcycle Insurance Coverage for motorcycles and riders against accidents, liability, and damage.
• Renters Insurance Coverage for personal belongings and liability for individuals renting apartments or homes.
• Business Interruption Insurance Coverage that replaces lost business income and covers ongoing expenses if a business must close temporarily due to a covered loss.
• Business Owners Package Insurance Comprehensive package combining multiple business coverages including property, liability, and business interruption for small business owners.
• Commercial Auto Insurance Coverage for business vehicles, fleets, and commercial driving risks.
• Commercial Property Insurance Protection for commercial buildings, equipment, and business assets against covered perils.
• Commercial Umbrella Insurance Additional liability coverage extending beyond the limits of other commercial policies.
• General Liability Insurance Coverage protecting businesses against third-party claims for bodily injury, property damage, and advertising injury.
• Hotel & Motel Hospitality Insurance Specialized coverage for hospitality businesses including hotels and motels.
• Professional Liability (E&O) Insurance Coverage protecting professionals against claims of negligence, errors, or omissions in their services.
• Surety Bonds Contractual bonds guaranteeing performance or payment obligations for businesses.
• Workers' Compensation Insurance Coverage for employee injuries and illnesses sustained in the course of employment.
• Individual Life Insurance Coverage providing financial protection to beneficiaries upon the policyholder's death.
• Individual Disability Insurance Income protection coverage for individuals unable to work due to disability.
• Final Expense Insurance Policy covering end-of-life costs such as funeral and burial expenses.
• Medicare Supplements Additional coverage filling gaps in Medicare coverage for eligible individuals.
• ERIE Extended Water Coverage Endorsement from Erie Insurance providing protection for sewer/drain backup, inland flooding, tidal water, storm surge, and mudflow. Covers basements, repair/replacement costs, flood avoidance reimbursement up to $10,000, and temporary relocation costs.
• Equipment Breakdown Coverage Endorsement covering unexpected breakdown of major home appliances and systems including HVAC, water heaters, electrical panels, security systems, sump pumps, and smart home technology.
• Guaranteed Replacement Cost Coverage Homeowners coverage endorsement that pays full cost to rebuild home without policy limit; available as Enhanced Replacement Cost in North Carolina.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered primary and core.

• Erie InsuranceprimaryChannel Partner/ Reseller/ DistributorFlagship carrier partner specializing in auto, home, business, and life insurance. Agency agent number JJ1117 for Erie. Deep partnership with emphasis on Erie's customer service model. Multiple product offerings including Extended Water coverage, Equipment Breakdown coverage, and Guaranteed Replacement Cost options.
• The Progressive CorporationcoreChannel Partner/ Reseller/ DistributorNational auto insurance carrier partner offering competitive auto insurance products through the independent agency channel.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorNational insurance carrier partner providing auto, home, and other personal insurance products through independent agents.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier partner, part of Farmers Insurance Group, offering various personal and commercial insurance products.
• Hagerty InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty collector vehicle insurance carrier partner offering coverage for classic cars, boats, and other collectible assets.
• National General Insurance CompanycoreChannel Partner/ Reseller/ DistributorNational insurance carrier partner offering auto, home, and other insurance products through independent agents.
• Utica National Insurance GroupcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner offering commercial and personal insurance products, specializing in business insurance solutions.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Leavitt Group: Network of independent insurance agencies offering personal and commercial lines via multiple carrier appointments. Matches Walker in independent-broker structure and product breadth, with a much wider geographic footprint.
• The Hilb Group: Regional insurance brokerage built by acquiring independent agencies and providing multi-carrier personal and commercial coverage. Comparable to Carl A. Walker in operating model, differing mainly in scale and geographic reach.
• World Insurance Associates: Independent insurance agency franchise offering personal and commercial lines through carrier partnerships. Comparable operating model (independent agency, multi-carrier) but with substantially more locations.
• INSURICA: Independent insurance agency representing multiple carriers to deliver personal and commercial coverage. Directly comparable in independent-brokerage model and product mix, with greater regional scale.
• Keystone Insurers Group: Alliance of independent insurance agencies that band together to access multiple carriers and shared services. Compares to Walker on independent-agency structure and multi-carrier distribution, operating instead as an aggregating network.

Broad incumbents

• HUB International: Large international insurance brokerage offering personal and commercial lines through carrier relationships. Matches Walker on independent-brokerage distribution model but with national and cross-border reach.
• Brown & Brown, Inc. Large national insurance brokerage distributing personal and commercial products through carrier appointments and acquired agencies. Overlaps with Walker in independent-agency distribution but operates at vastly greater scale across many states.
• Acrisure: Tech-enabled global insurance brokerage that distributes personal and commercial lines through partner agencies and direct operations. Comparable broad P&C brokerage activity to a small independent agency, only at much larger scale.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/carlawalkerinsurance
• LinkedInlinkedin.com/company/carl-a.-walker-insurance-agency-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 CARL A. WALKER INSURANCE AGENCY, INC.