K. Flynn Insurance Agency, Inc

What K. Flynn Insurance Agency, Inc does

K. Flynn Insurance Agency, Inc is a privately held, family-owned independent insurance agency headquartered at 112 Professional Parkway in Troy, Missouri. Founded in 1982 and owned by Kevin Flynn and Kathy Flynn (with Kelsey Flynn in an agent/management role), the agency employs 16 people across commercial lines sales, commercial and personal lines customer service, and health & Medicare specialties. The business operates as an insurance brokerage, representing more than 30 carrier partners — including Acuity, Auto-Owners, CNA, Hartford, Liberty Mutual, Nationwide, Progressive, West Bend, and Zurich — to source coverage across personal lines (auto, home, life, health, Medicare, flood, earthquake, motorcycle, boat, RV, renters, liability, disability) and commercial lines (Business Owners Policy, commercial auto, workers compensation, general liability, professional liability, cyber liability, management liability, plus industry-specific programs for contractors, restaurants, salons, and apartment owners), as well as surety bonds via West Bend in Illinois and Missouri.

The firm's go-to-market is sales-led and direct-to-consumer, anchored by licensed agents who consult customers in person and by phone, supplemented by online quote forms (quick, detailed, and declarations-page upload), a CSR24 client portal for policy servicing, and a Refer-A-Friend program. Marketing channels emphasize the agency's website (insurance guides, calculators, news), Facebook presence, and Trusted Choice network affiliation rather than broad digital advertising. The agency holds insurance licenses throughout the United States, though its primary service footprint is the Troy, MO / eastern Missouri market.

The business model is commission-based: K. Flynn earns carrier commissions on policies written and serviced, with pricing set carrier-by-carrier based on individual risk and no publicly disclosed standard pricing. Revenue mechanics are recurring (renewal-driven premium flows), supported by multi-policy bundling and claims advocacy as retention levers. No proprietary technology platform, patents, AI capabilities, funding history, M&A activity, or external ownership structure is disclosed; operations rely on standard agency management systems and partner-provided portals.

Name

K. Flynn Insurance Agency, Inc

Legal name

K. Flynn Insurance Agency, Inc

Website

https://kflynninsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

K. Flynn Insurance Agency, Inc is a family-owned independent insurance brokerage in Troy, Missouri that places personal and commercial coverage through 30+ carrier partners for individuals, families, and small businesses across the United States.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAIAGAH

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs)

Financial & Insurance/Insurance — Life & Health/Medicare Advantage & Medicare Supplement (Medigap)

SECONDARYFSAIAEAL

Individual Health Insurance Brokerage & Distribution

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

SECONDARYFSAJAMAA

Personal Auto Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

SECONDARYFSAGAGAL

Embedded Insurance & Affinity Distribution Platforms

Financial & Insurance/Financial Technology (Fintech)/Insurtech Platforms (Digital Insurance Enablement)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Multi-carrier insurance
• Surety bond services

Headquarters

HQ city

Troy

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, Technology or R&D

Revenue model

1. Insurance Commissions: K. Flynn Insurance operates as an independent insurance agency earning commissions from multiple insurance carrier partners. As agents sell and service policies, they receive commission payments from the insurance companies they represent.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

K. Flynn Insurance Agency, Inc is an independent insurance agency headquartered in Troy, Missouri that sells personal and commercial insurance coverage by representing 30+ insurance carriers. Licensed agents consult directly with customers to assess needs, shop multiple carriers, customize coverage, and present policy options across auto, home, life, health, commercial, and specialty lines. The agency also underwrites surety bonds and group benefits, with online quote submission, policy servicing through the CSR24 portal, and local claim advocacy.

Product overview

K. Flynn Insurance Agency, Inc is an independent insurance agency that operates as a single-location brokerage offering a comprehensive portfolio of personal and commercial insurance products. The agency functions as an insurance aggregator, representing multiple insurance carrier partners to provide customers with competitive options and market solutions. Personal insurance offerings include auto, home, motorcycle, flood, earthquake, life, health, Medicare, disability, liability, and specialty coverages such as high-value homes and senior drivers. Commercial insurance includes business owners policies, commercial auto, property, general liability, workers compensation, cyber liability, and industry-specific coverages for contractors, restaurants, salons, and apartment owners. The agency also provides bonds (notary, business service, ERISA, sheriff indemnity) and group health/employee benefits. Client services include online quote forms, policy management, claims processing, and educational resources. The product architecture is a traditional independent agency model without a unified software platform or modules, focused on providing personalized insurance advisory services with local market expertise in the Troy, Missouri area.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto coverage protecting against property damage, liability, and medical costs resulting from auto accidents; available to individuals and families.
• Motorcycle Insurance Personal coverage for motorcycles protecting riders against liability and physical damage.
• Senior Drivers Insurance Specialized auto insurance coverage tailored for senior drivers.
• Home Insurance Homeowners coverage protecting against property damage, liability, and loss of personal belongings.
• High Value Homes Insurance Coverage for high-value residential properties with expanded protection and coverage limits.
• Flood Insurance Personal coverage for property damage caused by flooding events.
• Earthquake Insurance Personal coverage for damage caused by seismic events.
• Personal Liability Insurance Personal protection against claims for bodily injury or property damage caused to others.
• Disability Insurance Personal coverage providing income replacement if the policyholder becomes disabled and unable to work.
• Life Insurance Personal financial protection for beneficiaries upon the death of the policyholder.
• Health Insurance Personal coverage for medical expenses and healthcare services.
• Medicare Coverage Insurance products designed to work with or supplement Medicare benefits for individuals.
• Renters Insurance Personal coverage for tenants renting apartments or homes, protecting personal property and providing liability coverage.
• Boat and Personal Watercraft Insurance Coverage for boats, yachts, and personal watercraft such as JetSkis.
• Recreational Vehicle Insurance Coverage for RVs including motorhomes and travel trailers.
• Business Owners Policy Combined coverage package for small businesses bundling property and liability protection.
• Commercial Auto Insurance Coverage for business vehicles and commercial fleets.
• Commercial Property Insurance Coverage protecting commercial buildings and business property.
• Inland Marine Insurance Coverage for goods in transit and mobile equipment used by businesses.
• Workers Compensation Insurance Coverage for employee injuries and illnesses sustained in the course of employment.
• General Liability Insurance Coverage protecting businesses against third-party bodily injury and property damage claims.
• Excess Liability Insurance Additional liability coverage above the limits of primary commercial liability policies.
• Cyber Liability and Data Breach Insurance Coverage for costs associated with data breaches and cyber incidents affecting businesses.
• Management Liability Insurance Coverage protecting executives and managers from liability claims.
• Contractors Insurance Specialized coverage for construction and contracting businesses.
• Restaurants Insurance Coverage tailored for the restaurant industry including food service risks.
• Salons and Barbers Insurance Coverage for hair salons and barbershops including professional liability.
• Apartment Owners Insurance Coverage for landlords and property owners renting residential units.
• Liquor Liability Insurance Coverage for businesses that serve alcohol against liability claims related to intoxication.
• Group Health and Employee Benefits Group benefit programs for employees including health, dental, and other benefits administered through employers.
• Surety Bonds Surety bonds including Business Service Bonds, Notary Bonds, ERISA Bonds, Sheriff Indemnity Bonds, concealed carry bonds, and errors & omissions bonds, available in Illinois and Missouri.
• Professional Liability Insurance Coverage protecting professionals against claims of negligence or inadequate work.
• Vacation Income Property Insurance Coverage for short-term rental properties and vacation homes.

Quantifiable outcome

• Agents represent only insurance companies with highest financial strength ratings and excellent claims service reputations
• +1 more outcomes

Named customers6 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

14 partnerships are on record, tiered core and minor.

• AcuitycoreOthersInsurance carrier partner represented by K. Flynn Insurance for personal and commercial coverage options.
• American ModerncoreOthersInsurance carrier partner represented by K. Flynn Insurance.
• Amerisafe (ASI)coreOthersInsurance carrier partner represented by K. Flynn Insurance.
• Auto-OwnerscoreOthersInsurance carrier partner represented by K. Flynn Insurance.
• Barton Mutual GroupcoreOthersInsurance carrier partner represented by K. Flynn Insurance.
• CNAcoreOthersMajor insurance carrier partner represented by K. Flynn Insurance for commercial and personal lines.
• HartfordcoreOthersMajor insurance carrier partner represented by K. Flynn Insurance.
• Liberty MutualcoreOthersMajor insurance carrier partner represented by K. Flynn Insurance.
• NationwidecoreOthersMajor insurance carrier partner represented by K. Flynn Insurance.
• ProgressivecoreOthersInsurance carrier partner represented by K. Flynn Insurance, particularly for auto insurance.
• ZurichcoreOthersMajor international insurance carrier partner represented by K. Flynn Insurance.
• West Bend Mutual Insurance CompanycoreOthersInsurance carrier partner for bonds. Underwrites business service bonds, notary bonds, concealed carry bonds, ERISA bonds, and other bond types offered by K. Flynn Insurance in Illinois and Missouri.
• Delta DentalminorOthersDental insurance partner for individual and family dental plan quotes. K. Flynn Insurance offers Delta Dental quotes through their agency.
• Trusted ChoiceminorOthersIndependent insurance agent network association. K. Flynn Insurance uses Trusted Choice branding and resources as a member of this network of independent agents.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Lemonade: Direct-to-consumer insurtech using AI-driven underwriting and a mobile-first experience. Represents the disruptive competitive vector most likely to compress K. Flynn's personal-lines pricing advantage over time.

Broad incumbents

• Arthur J. Gallagher: Global insurance brokerage and risk-management firm with a large retail brokerage segment that aggregates personal and commercial coverage through agent offices. Comparable brokerage model with multi-carrier representation.
• State Farm: Largest U.S. personal-lines insurer distributed primarily through captive agents. Competes for the same personal auto/home customers as K. Flynn, with materially greater scale and brand recognition.
• Erie Insurance: Regional mutual insurer distributed exclusively through independent agents offering personal and commercial lines. Strong direct comparison to K. Flynn's independent-agency model and product breadth, though Erie also retains underwriting risk.
• Auto-Owners Insurance: Mutual insurer that distributes exclusively through independent agents across 26 states, focused on personal and commercial lines. Directly comparable to K. Flynn as an independent-agency carrier represented in its portfolio.
• American Family Insurance: Mutual insurer selling through captive and independent agents across the U.S., with deep personal and small-commercial lines. Comparable to K. Flynn in product mix (auto, home, life, commercial) and agent-led distribution, but operates at materially greater scale.

Regional players

• Shelter Insurance: Regional mutual insurer headquartered in Columbia, Missouri, with a strong independent-agent distribution model across the central U.S. Highly comparable to K. Flynn as a Missouri-rooted agency/insurer competing for the same personal and small-commercial customer base in the local market.
• COUNTRY Financial: Midwest-headquartered insurer and financial services group selling through a captive agent force across personal and commercial lines. Comparable product mix and customer base to K. Flynn, with overlap in central Missouri.

Direct peers

• Brown & Brown: Large national insurance brokerage distributing personal and commercial lines through a decentralized agency network. Highly comparable to K. Flynn in brokerage economics and M&A-driven roll-up strategy, though operating at vastly greater scale.

Others

• Trusted Choice: National network of independent insurance agents providing branding, marketing resources, and consumer referrals. K. Flynn is a member; Trusted Choice is a channel/ecosystem participant rather than a competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/KFlynnIns
• LinkedInlinkedin.com/company/k.-flynn-insurance-agency-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 K. Flynn Insurance Agency, Inc