First Community Insurance
First Community Insurance Agency is an independent, multi-carrier insurance brokerage based in Chesterfield, Missouri, distributing personal and commercial coverage from 24+ carriers across at least 10 U.S. states via licensed advisors and a comparative online quoting platform.
- Company typePrivate
- Founded2024
- HeadquartersChesterfield, Missouri, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What First Community Insurance does
First Community Insurance Agency, LLC is an independent insurance agency headquartered in Chesterfield, Missouri, operating as a wholly-owned subsidiary of First Financial Services of MO, LLC, a Credit Union Service Organization affiliated with First Community Credit Union. The agency distributes personal and commercial insurance products — including auto, home, life, umbrella, condo, Medicare, pet, recreational, commercial auto, commercial property, general liability, business owner's policy, and workers' compensation — by comparing coverage from 24+ carrier partners (Aetna, Anthem, Chubb, Geico, Nationwide, Progressive, Travelers, etc.). Customers are served across at least 10 U.S. states through a multi-channel model combining a comparative quoting website, phone and text-based licensed advisory staff, email, and LinkedIn presence. The agency emphasizes a "real people answer the phone", team-based service model and long-term relationship management over transactional interactions.
The agency's underlying technology stack is entirely third-party: EZLynx provides agency management software and website workflow tooling, while Canopy powers the "Import My Insurance" feature that allows customers to securely pull in their current policy details using carrier online logon credentials. No proprietary technology, AI/ML capabilities, mobile applications, or APIs are disclosed. The agency does not build or underwrite insurance products itself; it operates as a commission-based broker/aggregator. Pricing is quote-based, determined per individual risk profile and carrier underwriting criteria, with monthly billing cadence; no tiered pricing or public rate disclosures exist.
Revenue is generated exclusively through commissions on policies sold and renewed across the carrier portfolio, with no disclosed funding, M&A, or external investment. The firmographic founding year is 2024, though the team cites combined 30+ years of insurance industry experience. The agency has 26 employees, no public awards, no patents, no regulatory actions, and no disclosed management team biographies. The credit union ownership structure provides a captive member-lead channel but the business is available to both members and non-members, with the agency explicitly disclaiming that insurance business is separate from credit union deposits.
First Community Insurance firmographics
Firmographics- Name
- First Community Insurance
- Legal name
- First Community Insurance Agency, LLC
- Website
- https://firstcommunityins.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- First Community Insurance Agency is an independent, multi-carrier insurance brokerage based in Chesterfield, Missouri, distributing personal and commercial coverage from 24+ carriers across at least 10 U.S. states via licensed advisors and a comparative online quoting platform.
- Ownership category
- akta.pro rank
First Community Insurance industry classification
Industry- Product category
- Insurance Brokerage (Personal and Commercial Lines)
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
- akta.pro secondary industries
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
Keywords
Where First Community Insurance is headquartered
LocationHeadquarters
- HQ city
- Chesterfield, Missouri
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
First Community Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: The agency operates as an independent insurance agency earning commissions from multiple insurance carriers. They represent 24+ insurance carriers including Aetna, Anthem, Barton Mutual, Branch, Chubb, CNA, FCCI, Foremost, Geico, Grinnell Mutual, Homeowners of America, Humana, Illinois Mutual, Liberty Mutual, MEM, Nationwide, Progressive, Secura, Southern Pioneer, The Hartford, Travelers, United HealthCare, and West Bend. Revenue is generated through commissions on insurance policies sold and renewed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
First Community Insurance product offering
Product offeringCore offering
First Community Insurance Agency is an independent insurance brokerage that compares and distributes personal and commercial insurance products on behalf of 24+ carrier partners. It sells auto, home, condo, renters, life, umbrella, Medicare, pet, and recreational insurance to individuals and families, and commercial auto, commercial property, general liability, business owner's policy, and workers compensation to businesses, supported by licensed advisors and an online comparative quoting platform.
Product overview
First Community Insurance Agency operates as an independent insurance agency offering a portfolio of personal and commercial insurance products. The agency provides a comprehensive suite of coverage types including auto, home, life, umbrella, condo, Medicare, pet, and recreational insurance for individuals and families. For commercial clients, the agency offers commercial property, general liability, business owner's policy (BOP), commercial auto, and workers compensation insurance. The agency functions as an aggregator, comparing coverage from multiple carrier partners (including Aetna, Anthem, Chubb, Geico, Nationwide, Progressive, Travelers, and others) to find competitive options for clients. All products are offered through licensed advisors who provide personalized guidance, and the agency maintains an online quoting platform for comparative shopping. The company is a wholly-owned subsidiary of First Community Credit Union.
Differentiator
Problem solved
Functional benefit
Companies that use First Community Insurance
Customer profileSegments3 records
Ideal customer profiles3 records
First Community Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
First Community Insurance partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered minor and core.
- AetnaminorHealth insurance carrier partner. First Community Insurance Agency offers Aetna health insurance products to customers through their independent agency model.
- AnthemminorHealth insurance carrier partner. First Community Insurance Agency offers Anthem health insurance products to customers through their independent agency model.
- Barton MutualminorRegional insurance carrier partner offering property and casualty insurance products through the independent agency network.
- BranchminorInsurance carrier partner providing coverage options through the independent agency distribution channel.
- ChubbminorProperty and casualty insurance carrier partner known for commercial and personal insurance products, available through the independent agency.
- CNAminorCommercial and personal lines insurance carrier partner offering business insurance products through the independent agency network.
- FCCIminorRegional insurance carrier partner providing coverage options through the independent agency distribution channel.
- ForemostminorInsurance carrier partner specializing in specialty insurance products available through independent agents.
- GeicominorMajor auto and home insurance carrier partner available through the independent agency distribution model.
- Grinnell MutualminorRegional insurance carrier partner offering property and casualty coverage through independent insurance agencies.
- Homeowners of America InsuranceminorSpecialty home insurance carrier partner available through the independent agency network.
- HumanaminorHealth insurance carrier partner offering Medicare and health insurance products through independent agents.
- Illinois MutualminorRegional insurance carrier partner offering property insurance products through independent agencies.
- Liberty MutualminorMajor national insurance carrier partner providing auto, home, and business insurance through independent agents.
- MEMminorWorkers compensation insurance carrier partner available through independent insurance agencies.
- NationwideminorMajor insurance carrier partner offering auto, home, and business insurance through independent distribution channels.
- ProgressiveminorMajor auto insurance carrier partner available through independent insurance agency distribution.
- SecuraminorRegional insurance carrier partner offering property and casualty coverage through independent agencies.
- Southern PioneerminorRegional insurance carrier partner available through independent insurance agency distribution.
- The HartfordminorMajor insurance carrier partner specializing in business and commercial insurance products through independent agents.
- TravelersminorMajor property and casualty insurance carrier partner offering commercial and personal lines through independent agencies.
- United HealthCareminorMajor health insurance carrier partner offering medical and Medicare coverage through independent insurance agents.
- West BendminorRegional insurance carrier partner offering property and casualty insurance products through independent agencies.
- First Community Credit Union (FCCU)coreParent company and strategic partner. First Community Insurance Agency is a wholly-owned subsidiary of First Financial Services of MO, LLC, a Credit Union Service Organization and affiliate of First Community Credit Union. The agency leverages this relationship to serve credit union members and the broader community.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
First Community Insurance competitors and assessment
Company assessmentBroad incumbents
- Acrisure: Large independent insurance brokerage with multi-carrier personal and commercial offerings. Comparable in independent agency model and digital transformation strategy.
- Brown & Brown: Major U.S. insurance brokerage distributing commercial and personal lines through carrier partnerships. Comparable brokerage model with extensive carrier network and multi-state presence.
- Arthur J. Gallagher: Global insurance brokerage and risk management firm serving commercial and personal clients. Comparable in independent brokerage structure and multi-carrier distribution philosophy.
- Marsh McLennan: Global insurance brokerage and risk advisory firm offering personal and commercial coverage. Comparable in brokerage structure but at significantly larger scale and enterprise focus.
- HUB International: Large North American insurance brokerage offering personal and commercial coverage across multiple carriers. Comparable in independent brokerage model but with vastly greater scale and broader product set.
Emerging players
- Lemonade: Digital-first insurance carrier selling direct to consumers. Comparable in personal lines focus and emphasis on technology-driven customer experience, though operates as a carrier rather than a brokerage.
- Insurance Zebra: Digital insurance comparison platform offering online quoting across multiple carriers. Comparable in comparative quoting technology and direct-to-consumer approach, though more digitally native.
Direct peers
- Goosehead Insurance: Public independent insurance agency comparing multiple carriers across personal and commercial lines. Closely comparable in business model (independent agency, cross-carrier quoting, multi-state footprint) and customer base.
- SmartFinancial: Digital-enabled independent insurance agency comparing quotes from multiple carriers across personal and commercial lines. Highly comparable in online comparative quoting model and multi-carrier distribution approach.
- Bankers Insurance Group: Independent insurance agency distributing personal and commercial lines from multiple carriers across multiple states. Comparable in multi-carrier independent agency model and small-to-mid-market customer focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
First Community Insurance social profiles
Digital presenceFirst Community Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Community Insurance leadership team
Management profileNumber of profiles
First Community Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Community Insurance 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 First Community Insurance
What does First Community Insurance do?
First Community Insurance Agency is an independent insurance brokerage that compares and distributes personal and commercial insurance products on behalf of 24+ carrier partners. It sells auto, home, condo, renters, life, umbrella, Medicare, pet, and recreational insurance to individuals and families, and commercial auto, commercial property, general liability, business owner's policy, and workers compensation to businesses, supported by licensed advisors and an online comparative quoting platform.
Is First Community Insurance a public or private company?
First Community Insurance is a private company. It is classified as corporate owned and is currently operating.
When was First Community Insurance founded?
First Community Insurance was founded in 2024. It employs 11 to 50 people.
Where is First Community Insurance based?
First Community Insurance is headquartered in Chesterfield, Missouri, United States, in the North America region.
How does First Community Insurance make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are First Community Insurance's main competitors?
Broad incumbents on record are Acrisure, Brown & Brown, Arthur J. Gallagher, Marsh McLennan and HUB International. Emerging players are Lemonade and Insurance Zebra. Direct peers are Goosehead Insurance, SmartFinancial and Bankers Insurance Group.
Does First Community Insurance have an API?
No public API is recorded for First Community Insurance.
What industry is First Community Insurance in?
First Community Insurance's product category is Insurance Brokerage (Personal and Commercial Lines). Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage, with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 524210 and its SIC code is 6411.