Charles M Mills Insurance

What Charles M Mills Insurance does

Charles M. Mills Insurance Agency, Inc. is a privately held independent insurance agency founded around 1967 (with one source citing approximately 1970) and operating from two offices in Greensburg and Ligonier, Pennsylvania, with a team of approximately 5-8 employees. The agency distributes personal and commercial insurance products as a multi-carrier broker, with Erie Insurance as its core channel partner and Progressive and American Collectors Insurance as additional carriers, enabling comparison-shopping across providers for clients. Its product portfolio spans more than 20 personal lines (auto, home, life, renters, umbrella, condo, watercraft, motorcycle, RV, snowmobile, classic car, pet, wedding, flood, earthquake, mobile home, sinkhole, rental property, valuable possessions, yacht) and a full commercial book including BOP, commercial auto and property, general liability, workers' compensation, commercial umbrella, cyber liability, EPLI, D&O, crime, builders risk, liquor liability, inland marine, and systems breakdown, plus ErieSecure Home Bundles (Advantage, Plus, Select tiers).

Revenue is generated entirely on a commission basis from carriers on policies placed, with no proprietary technology platform disclosed and no public pricing or subscription model; products are individually quoted based on coverage needs, risk profile, and carrier underwriting. Go-to-market is sales-led and relationship-driven, combining in-person consultations at the two offices, phone-based service (724-837-2220), online quote request forms, content marketing (blog largely sourced from Erie Insurance), and an active presence on Twitter, Facebook, YouTube, and Yelp, supplemented by client referrals. The customer base is hybrid, targeting individual/family consumers and small-to-medium businesses across Southwestern Pennsylvania and statewide, with named industry specialties including contractors, garage repair shops, manufacturers, municipalities, and professional services firms. Ownership remains with the founding Mills family, led by Scott Mills as Principal alongside Charles "Greg" Mills, with no external private equity, venture capital, or parent company involvement disclosed.

Name

Charles M Mills Insurance

Legal name

Charles M. Mills Insurance Agency, Inc.

Website

https://cmillsinsurance.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

1–10 employees

Short description

Charles M. Mills Insurance Agency is a privately held independent insurance broker in Greensburg and Ligonier, Pennsylvania, distributing more than 35 personal and commercial lines as a multi-carrier agent anchored by its Erie Insurance partnership, serving individual families and small-to-medium businesses across Southwestern Pennsylvania.

Ownership category

akta.pro rank

Headquarters

HQ city

Greensburg

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Commissions: The agency operates as an independent insurance agency earning commissions from insurance carriers for policies placed. As a partner with Erie Insurance and representative of multiple companies, the agency receives commission income based on premiums written. Revenue is generated through both personal insurance (auto, home, life, renters, umbrella) and business insurance (BOP, commercial property, general liability, workers comp) products.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Charles M. Mills Insurance Agency is an independent insurance brokerage that places personal and commercial insurance policies on behalf of clients through multiple carriers (primarily Erie Insurance, plus Progressive and American Collectors Insurance). It sells a broad portfolio of personal lines (auto, home, life, umbrella, renters, watercraft, classic car, pet, flood, etc.) and business lines (BOP, commercial auto, property, general liability, workers' comp, cyber, D&O) primarily to consumers and small businesses in Southwestern Pennsylvania.

Product overview

Charles M. Mills Insurance Agency is an independent insurance agency serving Southwestern Pennsylvania with two local offices in Greensburg and Ligonier. The company operates as a multi-carrier insurance broker offering a comprehensive portfolio of personal and business insurance products through partnerships with Erie Insurance, Progressive, and American Collectors Insurance. Their personal insurance offerings span auto, home, life, renters, umbrella, condo, watercraft, motorcycle, off-road vehicles, RVs, snowmobiles, classic cars, pet, wedding, flood, earthquake, mobile home, sinkhole, rental property, valuable possessions, excess liability, and yacht coverage. Business insurance includes business owners policies, commercial auto, commercial property, general liability, workers' compensation, cyber liability, employment practices liability, D&O, crime, builders risk, liquor liability, inland marine, and systems breakdown coverage. The company also offers ErieSecure Home Bundles (Advantage, Plus, Select tiers) providing enhanced coverage options. As an independent agency, they represent multiple insurance companies to provide choice and customized coverage solutions for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage protecting against financial losses from accidents, theft, damage, and liability. Includes collision, comprehensive, bodily injury, property damage, medical payments, and uninsured/underinsured motorist coverage. Designed for individual vehicle owners.
• Home Insurance Coverage protecting the homeowner's dwelling, personal property, and liability. Includes fire, property damage, personal liability, additional living expenses, and flood coverage options. Targeted at homeowners.
• Individual Life Insurance Financial protection for loved ones including term, whole, and universal life insurance policies to cover income replacement, mortgage payments, funeral costs, and business protection. Targeted at individuals seeking life protection.
• Renters Insurance Protection for tenant's personal belongings and liability when renting. Covers theft, property damage, additional living expenses, and liability claims. Targeted at renters.
• Umbrella Insurance Extra liability coverage layer that kicks in when standard policy limits are exhausted. Protects against property damage, bodily injury, lawsuits, and watercraft liability claims. Targeted at individuals seeking excess personal liability protection.
• Condo Insurance Coverage for condo unit interiors, personal property, and improvements. Protects against betterments, additional living expenses, personal liability, and loss assessment. Targeted at condominium owners.
• Watercraft Insurance Protection for boats and watercraft including physical damage, liability, uninsured boater coverage, towing assistance, personal property, and pollution liability. Targeted at boat owners.
• Motorcycle Insurance Coverage for motorcycles including liability, collision, comprehensive, custom parts, uninsured driver protection, and roadside assistance. Targeted at motorcycle owners.
• Off-Road Vehicle Insurance Specialized coverage for ATVs, dirt bikes, and snowmobiles not typically covered by standard auto or homeowners policies. Targeted at off-road vehicle owners.
• RV Insurance Protection for recreational vehicles including windshield coverage, personal possessions, theft, awnings, gas bottles, and rental/accommodation coverage during breakdowns. Targeted at RV owners.
• Snowmobile Insurance Coverage for snowmobiles including liability, collision, comprehensive, equipment costs, and medical bills for various collision scenarios. Targeted at snowmobile owners.
• Classic Car Insurance Specialized collector vehicle coverage with agreed-upon value payouts, authentic parts guarantees, and limited usage policies for exhibitions and parades. Targeted at classic car collectors.
• Pet Insurance Healthcare coverage for pets including accidents, illnesses, and medical needs with deductible and co-payment options. Targeted at pet owners.
• Wedding Insurance Special event insurance covering postponement, accidental damage to materials, and supplier failures for weddings and similar events. Targeted at engaged couples.
• Flood Insurance Separate policy protecting homes and contents from flood losses through NFIP or Write Your Own carriers, covering properties outside designated flood zones. Targeted at homeowners needing flood protection.
• Earthquake Insurance Specialty coverage bridging gaps in homeowners policies for earthquake damage or destruction to homes and buildings. Targeted at homeowners in seismic zones.
• Mobile Home Insurance Specialized protection for mobile and manufactured homes addressing unique construction risks and damage during relocation. Targeted at owners of mobile/manufactured homes.
• Sinkhole Insurance Coverage for sinkhole damage not typically included in standard homeowners policies, protecting against structural collapse risks. Targeted at homeowners in sinkhole-prone areas.
• Rental Property Insurance Specialty policy for property owners covering building damage, personal property, lost rental income, and liability when renting to tenants. Targeted at landlords and rental property owners.
• Valuable Possessions Insurance Coverage for high-value items like jewelry and artwork exceeding standard homeowners limits, with replacement value coverage and worldwide protection options. Targeted at owners of jewelry, art, and high-value collectibles.
• Excess Liability Insurance Additional coverage layer that pays remaining costs after primary policy limits are exhausted, working alongside standard liability policies. Targeted at individuals seeking excess personal liability protection.
• Yacht Insurance Luxury watercraft coverage including agreed value or cash value payout options, liability protection, collision coverage, and optional towing and hurricane services. Targeted at yacht owners.
• Business Owners Insurance (BOP) Combined Business Owners Policy (BOP) integrating property and liability insurance covering premises, equipment, business interruption, errors & omissions, D&O, and workers compensation. Targeted at small to medium-sized business owners.
• Business Auto Insurance Commercial vehicle coverage for business fleets with higher liability limits, collision coverage, and employers non-owned car liability for employee vehicles used for work. Targeted at businesses operating vehicles.
• Commercial Property Insurance Protection for business assets against theft, fire, natural disasters including associated income loss and rebuilding code compliance costs. Targeted at business property owners.
• Commercial Umbrella Insurance Supplemental business coverage that pays remaining costs when primary policy limits are exceeded, typically offering $2M-$10M in additional protection. Targeted at businesses seeking excess liability limits.
• General Liability Insurance Broad coverage for businesses against bodily injury to external parties and physical damage to their property, including legal defense costs. Targeted at any business with third-party exposure.
• Workers' Compensation Insurance Required coverage protecting employees from work-related injuries or illnesses during employment. Targeted at employers across industries.
• Cyber Liability Insurance Coverage for unauthorized electronic data access, virus spreading, computer theft, extortion, and employee errors or omissions. Targeted at businesses handling sensitive digital data.
• Employment Practices Liability Insurance Protection for businesses against employee lawsuits alleging wrongful termination, discrimination, failure to promote, and sexual harassment. Targeted at employers.
• Directors and Officers Liability Insurance Coverage for senior individuals defending lawsuits claiming negligence in performance of duties, including legal costs and settlements. Targeted at executives and board members.
• Crime Insurance Coverage for employee dishonesty, forgery, depository theft, and property destruction and disappearance. Targeted at businesses concerned with employee and theft-related losses.
• Builders Risk Insurance Coverage for buildings under construction against property damage and related risks. Targeted at contractors and property developers.
• Liquor Liability Insurance Protection for businesses serving alcohol against liability claims from alcohol-related incidents. Targeted at bars, restaurants, and alcohol-serving venues.
• Inland Marine Insurance Coverage for goods and equipment transported over land, protecting against transit-related losses. Targeted at businesses transporting goods or equipment.
• Systems Breakdown Insurance Protection against equipment mechanical breakdown, business interruption, and associated repair costs. Targeted at businesses dependent on equipment operation.
• Business Income Insurance Coverage compensating for lost income when business cannot operate due to covered property damage, including revenue and operating expenses. Targeted at business owners needing continuity protection.
• ErieSecure Home Bundles Customizable home insurance bundles (Advantage, Plus, Select) offering increased limits and add-ons including identity recovery, equipment breakdown, sewer/drain backup, underground service line coverage, siding/roof restoration, and cyber protection. Targeted at homeowners seeking bundled coverage enhancements.

Named customers5 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

Three partnerships are on record, tiered core and minor.

• Erie InsurancecoreChannel Partner/ Reseller/ DistributorCharles M. Mills Insurance Agency is a proud partner with Erie Insurance, offering Erie Insurance products including auto, home, and ErieSecure Home Bundles. The agency has had a strong partnership since the beginning and strives to uphold Erie Insurance's long-standing commitment to service. As a partner, the agency sells Erie Insurance products and provides claims support and policy services for Erie customers.
• American Collectors InsuranceminorChannel Partner/ Reseller/ DistributorIndependent agency partner providing specialty insurance products for collector vehicles and collector car coverage.
• ProgressiveminorChannel Partner/ Reseller/ DistributorIndependent agency partner providing auto insurance and other personal lines products through Progressive Insurance.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Market position

Weaknesses5 records

Competitive moat3 records

Customer concentration

• Xx.com/CMillsInsurance
• YouTubeyoutube.com/channel/UCclRAnBjO-gkYRnwECTLEiw
• Facebookfacebook.com/CharlesMillsInsurance
• LinkedInlinkedin.com/company/charles-m-mills-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Charles M Mills Insurance