CULPEPPER INSURANCE AGENCY, INC.

Name

CULPEPPER INSURANCE AGENCY, INC.

Legal name

Culpepper Insurance Agency Inc

Website

https://culpepperinsurance.net

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Columbus

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

Revenue model

1. Insurance Policy Commissions: As an independent insurance agency, the company earns commissions from multiple insurance carriers for placing personal and commercial insurance policies including auto, home, life, and business lines.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Culpepper Insurance Agency, Inc. is an independent insurance agency that sells personal and commercial insurance lines on behalf of multiple insurance carriers. The agency operates from Columbus, Georgia with 8 employees, is licensed in 11 states, and serves as a licensed intermediary placing coverage for individuals and businesses.

Product overview

Culpepper Insurance Agency Inc is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency provides Personal Insurance lines including auto, homeowners, condo, boat & watercraft, motorcycle, motor home/RV, renters, life insurance, annuities, personal umbrella, and retirement products. For business clients, the agency offers commercial coverages including Business Owners Policy (BOP), commercial auto, commercial property, general liability, cyber liability, professional liability, Directors & Officers, EPLI, errors and omissions, commercial umbrella, restaurant, contractors, security professionals, hotel/motel, retail store, apartment building owners, condo association, auto body shop, and specialty lines. As an independent agency, they represent multiple insurance companies to match customers with appropriate coverage at competitive pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Lines Insurance Personal insurance products (such as auto, home, and life) sourced from multiple carriers and placed by licensed agents for individual consumers and households.
• Commercial Lines Insurance Commercial insurance products (such as property, liability, commercial auto, and workers' compensation) sourced from multiple carriers and placed by licensed agents for small and mid-sized businesses.

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

One partnership is on record.

• Multiple Insurance CarrierscoreOthersAs an independent insurance agency, Culpepper Insurance Agency represents multiple top-rated insurance companies. The agency states they have 'made available some of our best companies for your online quick quotes.' This carrier network enables the agency to compare rates and find optimal coverage fits for customers across personal and commercial insurance lines.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Broad incumbents

• Auto-Owners Insurance: Mutual insurance company distributing exclusively through independent agents across personal and commercial lines. Operates in the same independent-agent channel with overlapping product set, particularly in the Southeast where Culpepper operates.
• Erie Insurance: Regional P&C carrier with an exclusive independent-agent distribution model offering auto, home, life, and commercial coverage. Comparable channel alignment and product scope; operates as a carrier upstream of agents like Culpepper.
• Frankenmuth Insurance: Regional property & casualty carrier that distributes exclusively through independent agents across personal and commercial lines. Comparable in that it operates in the same independent-agent channel serving similar personal/SMB customers, though as a carrier rather than an agency.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with extensive commercial-lines capabilities. Comparable in serving commercial insurance customers but at enterprise scale and with proprietary analytics/risk-engineering offerings well beyond an 8-person local agency.
• Brown & Brown: Large national insurance broker and consolidator of independent agencies offering personal and commercial lines. Serves the same SMB and personal-lines customers as Culpepper but at vastly greater scale and with proprietary technology and carrier-direct capabilities.
• Acrisure: Tech-enabled global insurance brokerage built through acquisition of independent agencies. Serves the same SMB and personal/commercial customers as Culpepper but pairs the agency channel with proprietary digital infrastructure — illustrates both the consolidation trend and the technology gap Culpepper faces.
• Hub International: Large North American insurance brokerage aggregating independent agencies with personal and commercial product offerings. Same independent-agency customer base and product breadth; meaningfully larger scale and broader geographic reach than Culpepper.

Direct peers

• Goosehead Insurance: Independent personal-lines agency distributing through multiple carriers via a distributed agent model. Closely mirrors Culpepper's independent, multi-carrier, agent-led distribution motion, though at much greater scale and with proprietary technology.
• Hilb Group: Mid-market insurance brokerage aggregating local independent agencies across personal and commercial lines. Directly comparable in product mix and customer segment; Hilb operates at a much larger scale via acquisition-driven roll-up.
• Brightway Insurance: Franchise-model independent insurance agency offering personal and commercial lines through multiple carrier partners. Comparable to Culpepper in product breadth (home, auto, commercial) and independent-agency distribution, with a retail-store footprint similar in concept to Culpepper's local office.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/culpepperinsurance
• LinkedInlinkedin.com/company/culpepper-insurance-agency-inc.

Revenue estimate

Valuation estimate

Number of profiles

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 CULPEPPER INSURANCE AGENCY, INC.