Collins Insurance Agency

What Collins Insurance Agency does

Collins Insurance Agency, Inc. is an independent insurance agency founded in 2012 by Josh Collins and headquartered in Maynardville, Tennessee. The agency operates as an intermediary distributing insurance products on behalf of twelve or more carriers including Erie Insurance, Progressive, Geico, AAA, Travelers, United Healthcare, Lemonade, Next Insurance, and Openly. Collins Insurance Agency generates revenue through commissions paid by carrier partners for policies sold and renewed, with no disclosed subscription or fee-based revenue components. The agency does not develop proprietary technology platforms and relies on carrier underwriting systems and a basic 24/7 Client Center portal for policy servicing.

The agency's product portfolio spans three business units: Personal Insurance (auto, home, life, motorcycle, condo, renters, umbrella, RV, watercraft, classic car, flood, earthquake, mobile home, and sinkhole coverage), Business Insurance (business owners policies, general liability, commercial umbrella, business auto, workers' compensation, cyber liability, EPLI, E&O, D&O, builders risk, surety bonds, and key person life), and Employee Benefits (group health, dental, vision, and life/AD&D). In total, the agency offers more than 60 coverage options organized through a horizontal segmentation approach serving individuals, families, and businesses of all sizes.

Collins Insurance Agency employs 17 people and serves customers primarily across Knox and Union County, Tennessee, with reach into Knoxville, Corryton, Blaine, and Powell. GTM is sales-led through licensed insurance advisors reachable by phone (865-745-1687), online quote forms, and in-person consultations at the Maynardville office. The agency emphasizes relationship-based service, community involvement, and a 5-star Google rating supported by client testimonials. Erie Insurance is positioned as the agency's featured carrier with dedicated co-marketing and content collaboration, while other carrier relationships are transactional "We to Them" distribution arrangements.

Name

Collins Insurance Agency

Legal name

Collins Insurance Agency, Inc.

Website

https://collinsinsurancetn.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Collins Insurance Agency is an independent insurance agency founded in 2012 and headquartered in Maynardville, Tennessee. The 17-person firm distributes 60+ personal, business, and employee benefits products through 12+ carrier partnerships, serving individuals, families, and SMBs in the Knox and Union County region of East Tennessee.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Standalone Umbrella Liability (FSAJANAE)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Business insurance solutions
• Employee benefits brokerage
• Multi-carrier insurance advisory

Headquarters

HQ city

Maynardville

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Collins Insurance Agency generates revenue through commissions paid by insurance carrier partners (such as Erie Insurance, Progressive, Geico, AAA, and others) for policies sold and renewed. The agency represents multiple insurance companies, allowing them to offer various coverage options and price points to customers while earning commission from each carrier.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Collins Insurance Agency is an independent insurance agency that sells personal, business, and employee benefits insurance products on behalf of multiple insurance carriers. The agency represents 12+ carriers including Erie Insurance, Progressive, Geico, AAA, Travelers, and Foremost, and offers over 60 coverage options across personal lines (auto, home, life, specialty vehicles), commercial lines (BOP, liability, workers' comp, commercial auto, cyber), and group benefits (health, dental, vision, life). Revenue is generated through carrier commissions, with clients served via phone, in-person, and online channels from a single Maynardville, TN location.

Product overview

Collins Insurance Agency is an independent insurance agency offering a comprehensive suite of insurance solutions organized into three main categories: Personal Insurance, Business Insurance, and Employee Benefits. The agency provides over 60 coverage options through multiple insurance company partnerships. Personal insurance products include auto, home, life, motorcycle, condo, renters, umbrella, off-road vehicle, RV, watercraft, classic car, wedding, flood, earthquake, mobile home, and sinkhole insurance. Business insurance offerings encompass business owners policies (BOP), general liability, commercial umbrella, business auto, workers' compensation, cyber liability, commercial property, employment practice liability, errors and omissions, directors and officers liability, builders risk, liquor liability, special event, surety bonds, inland marine, and key person life insurance. Employee benefits include group health, dental, vision, and life and accidental death and dismemberment insurance. The agency operates as an independent agency representing multiple insurance carriers including Erie Insurance, Progressive, Geico, Travelers, and others.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for vehicles including liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental coverage for cars, trucks, and other vehicles; offered to individuals and families through multiple carrier partnerships.
• Home Insurance Protection for homes covering fire, personal property, property damage, additional living expenses, medical expenses, personal liability, flood coverage, and more; offered to homeowners through multiple carrier partnerships.
• Individual Life Insurance Term, whole, and universal life insurance policies to protect loved ones and provide financial security for families; offered to individuals through multiple carrier partnerships.
• Motorcycle Insurance Coverage for motorcycles including liability, collision, comprehensive, custom parts, uninsured driver, and roadside assistance; offered to individual motorcycle owners.
• Condo Insurance Protection for condo units covering betterments and improvements, personal property, additional living expenses, liability, and loss assessment; offered to condo owners.
• Renters Insurance Coverage for personal belongings and liability protection for renters, including property coverage, additional living expense, and liability coverage; offered to renters.
• Umbrella Insurance Additional liability coverage that supplements auto and homeowners policies, providing extra protection against property damage, bodily injury, and lawsuits; offered to individuals seeking excess liability protection.
• Off-road Vehicle Insurance Specialized coverage for ATVs, dirt bikes, snowmobiles, and other off-road vehicles not typically covered by standard auto or homeowners policies; offered to off-road vehicle owners.
• RV Insurance Protection for recreational vehicles including motorhomes and campers, with coverage for windshields, personal possessions, awnings, and trip interruption; offered to RV owners.
• Watercraft Insurance Coverage for boats and watercraft including physical damage, liability, personal possessions, and towing assistance; offered to boat and watercraft owners.
• Classic Car Insurance Specialized coverage for collector, antique, and classic vehicles with agreed-upon value policies and authentic parts coverage; offered through Hagerty partnership for classic vehicle owners.
• Wedding Insurance Event insurance covering wedding postponement, accidental damage to materials, and vendor failure protection; offered to engaged couples and wedding planners.
• Flood Insurance Coverage for flood damage through the National Flood Insurance Program (NFIP) or Write Your Own carriers, separate from standard homeowners policies; offered to homeowners in flood-prone areas.
• Earthquake Insurance Specialty coverage for earthquake damage to homes and possessions, bridging gaps in standard homeowners policies; offered to homeowners in seismic-risk areas.
• Mobile Home Insurance Specialized protection for mobile and manufactured homes against fire, natural disasters, and unique risks associated with this housing type; offered to mobile and manufactured home owners.
• Sinkhole Insurance Coverage for sinkhole damage, which is typically excluded from standard homeowners policies; offered to homeowners in sinkhole-prone areas.
• Business Owners Insurance (BOP) Combined business property and liability coverage (Business Owners Policy) designed to protect businesses from various risks including property damage, business interruption, and liability claims; offered to small and mid-sized businesses.
• General Liability Insurance Broad coverage for bodily injury to people outside the business and physical damage to their property; offered to businesses of all sizes.
• Commercial Umbrella Insurance Additional layer of protection that supplements existing business insurance policies when payout limits are exceeded; offered to businesses seeking excess liability coverage.
• Business Auto Insurance Coverage for commercial vehicles including higher liability limits, collision coverage, and non-owned car liability for employees using personal vehicles for work; offered to businesses operating vehicles.
• Workers' Compensation Insurance Coverage for employees injured on the job or in auto accidents while on business, covering medical bills, care costs, lost wages, and funeral costs; offered to employers for legal compliance and employee protection.
• Cyber Liability Insurance Coverage for unauthorized access to electronic data, viruses, computer theft, extortion, and unintentional employee errors; offered to businesses facing cyber and data-breach exposure.
• Commercial Property Insurance Protection for business property including equipment, inventory, furniture, and fixtures that the business owns or leases; offered to businesses seeking property risk coverage.
• Employment Practice Liability Insurance Protection against alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment; offered to employers facing employment-related claims exposure.
• Errors and Omissions Liability Insurance Protection for businesses that give advice, make recommendations, or design solutions for clients, covering claims of errors or omissions that harmed the client; offered to professional services firms.
• Directors and Officers Liability Insurance Coverage for legal costs to defend covered lawsuits and settlements for directors and officers in their official capacities; offered to companies seeking management liability protection.
• Builders Risk Insurance Coverage for buildings under construction against property damage and related risks; offered to contractors and developers.
• Liquor Liability Insurance Coverage for businesses that sell, serve, or furnish alcohol against claims related to alcohol-related incidents; offered to bars, restaurants, and alcohol-serving businesses.
• Special Event Insurance One-day or short-term coverage for specific events including weddings, corporate events, and other gatherings; offered to event organizers and venues.
• Surety Bonds Financial guarantees for contract fulfillment, licensing requirements, and other business obligations; offered through CNA Surety and other carrier partners to businesses needing bonded obligations.
• Inland Marine Insurance Coverage for goods, equipment, and materials in transit over land, including tools, equipment, and movable property; offered to businesses with movable property or contractor equipment exposure.
• Key Person Life Insurance Life insurance payable to the company for key employees to cover costs of training replacement and business continuity; offered to businesses dependent on key personnel.
• Group Health Insurance Health plans for businesses covering employees and optionally their dependents, with tax-deductible premiums for employers; offered to employers through carriers including United Healthcare.
• Group Dental Insurance Dental coverage including diagnostic, preventative care, corrective services, cleanings, exams, x-rays, fillings, root canals, and orthodontia; offered to employers for employee benefit packages.
• Group Vision Insurance Vision coverage for exams, frames, lenses, contact lenses, and safety glasses to help maintain employee eye health; offered to employers as part of employee benefit packages.
• Life and Accidental Death and Dismemberment Insurance Coverage that pays lost income to employee dependents upon death, including accidental death riders and payouts for loss of vision, hearing, speech, and limbs; offered to employers for employee group benefits packages.

Quantifiable outcome

• Clients have reported saving over $600 per year on auto and home insurance by switching to Collins Insurance Agency
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Erie InsurancecoreTechnology or IntegrationErie Insurance is highlighted as the agency's featured insurance partner. Collins Insurance Agency actively promotes Erie Insurance products including auto, home, and life coverage. The agency has a dedicated ERIE quote link and partnership messaging on their website. Blog content is sourced from Erie Insurance, indicating a content/marketing partnership.

Scale indicators3 records

Recent moves2 records

Expansion highlights4 records

Emerging players

• EverQuote: EverQuote is an online insurance marketplace that drives consumer leads to agents and carriers, including many of the same carriers Collins represents (Progressive, GEICO, etc.). It is comparable as an alternative acquisition channel that competes with the personal relationship-driven approach Collins relies on.
• SmartFinancial Holdings: SmartFinancial operates an online insurance marketplace that connects consumers with multiple carriers and agents, directly competing with independent agencies like Collins for auto, home, and small commercial shoppers. It represents the digital distribution model that pressure-tests traditional independent agencies' customer acquisition costs.
• Lemonade: Lemonade is a digital-first insurance carrier that Collins distributes for in select lines (renters, home). It is comparable as the AI-native carrier wave that increasingly captures consumers who would otherwise buy through independent agents, pressuring the agency value chain.

Broad incumbents

• GEICO: GEICO is a Collins carrier partner and a major direct-to-consumer auto insurer. It is comparable as one of the dominant carriers that distributes through both captive and independent channels, often competing with Collins for the same auto and home shoppers.
• Progressive: Progressive is both a carrier partner of Collins and a direct-to-consumer competitor. It is comparable as the specific carrier whose appetite and commission terms materially shape Collins's product mix, while also representing the DTC threat that pressures independent agency economics.
• HUB International: HUB International is a large North American independent insurance brokerage offering commercial, personal, and employee benefits across multiple carriers. While it operates at a much larger scale, it shares Collins's multi-carrier brokerage DNA and competes for the same small-commercial and group benefits clients in overlapping markets.
• Erie Insurance: Erie Insurance is Collins's featured carrier partner and provides the bulk of the agency's content and co-branded marketing. Erie is comparable as the supply-side anchor of Collins's distribution model — Erie's appetite, product set, and commission structure directly determine Collins's economics.
• Brown & Brown Insurance: Brown & Brown is one of the largest independent insurance brokerages in the U.S., distributing across many of the same carriers as Collins and serving both personal and commercial lines. While national in scale, it represents the same independent agency model that Collins operates at the local level.
• Travelers: Travelers is a Collins carrier partner offering commercial and personal lines. It is comparable as one of the carrier-partners that determines the breadth of products Collins can offer, particularly for business owners and commercial clients.

Direct peers

• Goosehead Insurance: Goosehead Insurance is a publicly traded independent insurance agency that distributes across 200+ carriers, mirroring Collins's multi-carrier brokerage model. Although Goosehead operates a franchise model at much larger scale, both anchor on the same value proposition: independent agents offering choice across carriers for personal and commercial lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CollinsInsuranceAgency
• Instagraminstagram.com/collinsinsurance
• LinkedInlinkedin.com/company/collins-insurance-agency

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 Collins Insurance Agency