GERALD B. FARLOW & ASSOCIATES, LTD.

What GERALD B. FARLOW & ASSOCIATES, LTD. does

Gerald B. Farlow & Associates, Ltd. is a privately-held, family-owned management consulting firm founded in 1981 and headquartered in Athens, Georgia, specializing in the credit insurance and extended service contract industry. The firm provides a portfolio of professional services to insurance companies, insurance agents and agencies, vehicle dealerships, rent-to-own stores, industry associations, and insurance technology vendors, with a core focus on producer-owned reinsurance programs (ARCs). Service lines include reinsurance program design, domicile evaluation and selection, formation of reinsurance companies, requirements analysis, program reviews, marketing support, and administrative support functions such as tax planning, statutory financial reporting, tax return preparation, ceding statement preparation, reinsurance contract preparation, and management information reporting. The firm routinely forms reinsurance companies in two non-standard domiciles — the Delaware Tribe of Indians Tribal Domicile and the Turks & Caicos Islands — positioning itself as a specialist in jurisdictions not commonly serviced by generalist insurance consultants.

The firm operates without a proprietary technology platform or software products; its analytical approach is described as "mathematical and management science techniques" applied to insurance business problems, rooted in the founder's actuarial training and decades of specialized practice. There are no disclosed AI/ML capabilities, patents, or technology investments, and no API or product surface beyond a content website and Mailchimp-powered mailing list.

The go-to-market is direct and relationship-driven: the CEO, CFO, and a small professional staff (approximately 5–8 employees total, including a CPA, an attorney, accountants, and administrative support) engage clients directly by phone, email, and mail. Revenue is generated through project-based professional consulting fees, billed under multi-year contracts, with no public pricing tiers disclosed. The firm carries no external investors, no parent company, no funding rounds, and no public listing, operating as a stable, owner-operated boutique practice with 40+ years of continuous operation.

Name

GERALD B. FARLOW & ASSOCIATES, LTD.

Legal name

Gerald B. Farlow & Associates, Ltd.

Website

https://gbfassociates.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1–10 employees

Short description

Gerald B. Farlow & Associates, Ltd. is a family-owned, Athens, Georgia–based management consulting firm founded in 1981 that provides reinsurance program design, domicile selection, company formation, and administrative/tax support services to insurance companies, producers, and agencies in the credit insurance and extended service contract industry.

Ownership category

akta.pro rank

Product category

Insurance Management Consulting

NAICS

Management Consulting Services (54161)

SIC

Services-Management Consulting Services (8742), Services-Engineering, Accounting, Research, Management (8700)

akta.pro industry

PRIMARYFSAEADAG

Risk Management Consulting (Enterprise & Operational Risk)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYBPAHACAJ

Risk, Compliance & Internal Controls Consulting

Business & Public Services/Professional Services (Legal, Accounting, Consulting)/Management Consulting

Keywords

• Insurance management consulting
• Reinsurance program design
• Credit insurance consulting
• Producer-owned reinsurance
• Insurance domicile selection

Headquarters

HQ city

Lawrenceville, Georgia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Management Consulting Services: Professional consulting fees for services including reinsurance program design, domicile evaluation and selection, formation of reinsurance companies, requirements analysis, reinsurance program reviews, marketing support, administrative support (tax planning, financial reporting, tax return preparation), and other consulting services. Fees are described as fair and competitive, with projects ranging from a few days to several months of planning and implementation assistance.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Gerald B. Farlow & Associates, Ltd. provides management consulting services to the insurance industry, with a core focus on reinsurance program design and the formation of reinsurance companies. The firm advises insurance companies, agents, agencies, associations, vendors, and select non-insurance entities (e.g., vehicle dealerships, rent-to-own stores) on domicile selection, requirements analysis, reinsurance program reviews, marketing support, and ongoing administrative support. Its services are grounded in mathematical and management science techniques tailored to credit insurance and extended service contract programs.

Product overview

Gerald B. Farlow & Associates, Ltd. is a management consulting firm offering a unified portfolio of professional services to the insurance industry, specializing in reinsurance program design, formation, and administration. The company's core offering is a comprehensive suite of consulting services that includes reinsurance program design, domicile evaluation and selection, formation of reinsurance companies, requirements analysis, and reinsurance program reviews. These services are supported by marketing and administrative support functions including tax planning, financial reporting, tax return preparation, ceding statement preparation, and reinsurance contract preparation. The firm also provides information resources including IRS opinions, research documents, and formation forms. The company primarily forms reinsurance companies in the Delaware Tribe of Indians and the Turks & Caicos Islands.

Differentiator

Problem solved

Functional benefit

Products and services

• Reinsurance Program Design Management consulting service that designs reinsurance programs for insurance companies, agents, agencies, associations, and vendors, applying mathematical and management science techniques to credit insurance and extended service contract programs.
• Domicile Evaluation and Selection Advisory service that evaluates and selects jurisdictions (including the Delaware Tribe of Indians and Turks & Caicos Islands) for the formation and placement of reinsurance companies.
• Formation of Reinsurance Companies End-to-end consulting engagement that establishes reinsurance companies, including affiliations with domiciles such as the Delaware Tribe of Indians and Turks & Caicos Islands via F&A Insurance Management, Ltd.
• Requirements Analysis Consulting service that analyzes the business, regulatory, and operational requirements of insurance clients to inform reinsurance program and domicile decisions.
• Reinsurance Program Reviews Consulting service that reviews existing reinsurance programs for insurance clients, identifying gaps, inefficiencies, and structural improvements.
• Marketing Support Consulting service that provides marketing support to insurance clients, including providers such as MarketXL and the Independent Insurance Agents & Brokers of America (Big "I").
• Administrative Support Ongoing administrative support for insurance clients, encompassing tax planning, financial reporting, tax return preparation, ceding statement preparation, reinsurance contract preparation, and management information reporting.

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Delaware Tribe of Indians - Tribal DomicilecoreStrategic or Co-development Partner · 1 January 2012The Delaware Tribe of Indians created The Tribal Domicile as the first viable, economically-feasible domestic alternative to traditional offshore domiciles for reinsurers. Gerald B. Farlow & Associates regularly forms reinsurance companies in this domicile targeting vehicle dealerships and specialized producers (ARCs - allied reinsurance companies). The partnership eliminates the need for §953(d) election and addresses challenges including opening U.S. bank accounts for domestic entities.
• Turks & Caicos Islands Financial Services CommissioncoreStrategic or Co-development PartnerThe Turks & Caicos Islands Financial Services Commission is an independent statutory body responsible for supervising the financial services sector and overseeing company formation and registration. Gerald B. Farlow & Associates regularly forms reinsurance companies in the Turks & Caicos Islands jurisdiction, which has established legislation for insurance-reinsurance facilities.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Willis Towers Watson (WTW): Major advisory, brokerage, and reinsurance solutions firm. Comparable in offering reinsurance program consulting and risk advisory at enterprise scale, contrasting with GBF's niche producer-owned focus.
• Aon: Global professional services firm with significant reinsurance advisory capabilities through Aon Reinsurance Solutions. Comparable as a broader market incumbent offering reinsurance program design and risk consulting, but at vastly larger scale and across many more lines of business.
• RPS (Ryan Specialty): Specialty insurance broker with significant reinsurance and program-design capabilities serving niche and specialty markets. Comparable in targeting specialty and non-standard insurance niches that overlap with GBF's credit insurance and extended service contract focus.
• Guy Carpenter: Global reinsurance brokerage and advisory arm of Marsh McLennan, offering reinsurance program design, placement, and consulting across all lines. Comparable as a reinsurance advisory competitor with much broader scale, though GBF specializes in producer-owned ARCs and tribal domiciles where Guy Carpenter does not focus.

Direct peers

• J. Re Group: Independent reinsurance advisory firm providing reinsurance program design, placement, and consulting services. Directly comparable as a specialist reinsurance advisory peer to GBF's program design and consulting practice.
• Beecher Carlson: Specialty insurance brokerage and risk management consulting firm serving complex and niche commercial risks. Comparable as a specialty risk advisory peer that combines consulting and brokerage in non-mainstream insurance niches similar to GBF's ARC focus.
• Holborn Corporation: Independent reinsurance and risk advisory firm providing reinsurance program consulting and intermediary services. Comparable as an independent reinsurance advisory peer, though with broader product and geographic reach than GBF.
• TigerRisk Partners: Independent reinsurance advisory and brokerage firm focused on reinsurance program design and placement for mid-market and specialty insurers. Closest functional peer to GBF in offering reinsurance program advisory, though operating at significantly larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/gerald-b.-farlow-&-associates-ltd.

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 GERALD B. FARLOW & ASSOCIATES, LTD.