MCKELLAR, ROBERTSON, MCCARTY & CLICK INSURANCE, LTD.

What MCKELLAR, ROBERTSON, MCCARTY & CLICK INSURANCE, LTD. does

MRMC Insurance Agency Ltd. (legal name: McKellar, Robertson, McCarty & Click Insurance, Ltd.) is a privately held, independent insurance agency headquartered in Vandalia, Illinois, with a second office in Saint Elmo, Illinois. Founded in 1921, the firm has operated continuously for over 100 years as a multi-line provider serving individuals, families, and businesses in Central Illinois, with licensing extending to six states (Illinois, Missouri, Indiana, Florida, Kansas, and Arizona). The agency is led by Agency Principal Thomas McCarty, alongside a small team of licensed agents and customer service representatives across personal lines, commercial lines, and employee benefits.

The agency distributes insurance products rather than underwriting them. It represents more than 15 insurance carriers — including Progressive, Safeco (Liberty Mutual), Liberty Mutual, Blue Cross Blue Shield Illinois, Cincinnati Insurance, GEICO, Allstate Benefits, American Modern, Foremost, Hagerty, Markel, Pekin Insurance, RLI, and West Bend — and earns commissions on policies placed and renewed with these carriers. The product portfolio spans personal lines (home, auto, life, health, disability, umbrella, renters, specialty lines such as flood, earthquake, classic car, watercraft, identity theft, and home cyber), Medicare solutions, commercial lines (business owners, general liability, commercial umbrella, workers' compensation, business auto, cyber liability, commercial property, D&O, EPLI, E&O, crime, surety, environmental, builders risk, marine), employee benefits (group health, dental, vision, life and AD&D, disability, critical illness, voluntary benefits, HSA/HRA, wellness), and industry-specific coverages for farm, retail, medical office, manufacturer, restaurant, and technology firms.

The go-to-market model is consultative and sales-led: agents meet customers face-to-face at the two Illinois offices and by phone (618-283-4200), email, and online quote-request forms on the mrmcinsurance.com website. The agency supplements this with content marketing (blog, interactive 'Clickable Coverage' educational graphics, Facebook page) and a refer-a-friend program. Revenue is recurring commission-based with a quote-driven, monthly billing cadence, and no proprietary technology, AI, or API products are offered.

Name

MCKELLAR, ROBERTSON, MCCARTY & CLICK INSURANCE, LTD.

Legal name

MRMC Insurance Agency Ltd.

Website

https://mrmcinsurance.com

Company type

Private

Founded year

1921

Operating status

Operating

Headcount range

1–10 employees

Short description

MRMC Insurance Agency Ltd. is a privately held, independent insurance brokerage founded in 1921 in Vandalia, Illinois, placing personal, commercial, employee benefits, and Medicare policies with 15+ carriers for individuals and businesses across six states.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Employee benefits brokerage
• Multi-carrier insurance agency

Headquarters

HQ city

Vandalia

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

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, MRMC earns commissions from insurance companies they represent when policies are sold and renewed. Revenue is generated through commissions on personal insurance, business insurance, and employee benefits policies placed with their carrier partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MRMC Insurance Agency Ltd. is an independent insurance agency that brokers personal insurance, business insurance, employee benefits, Medicare solutions, and industry-specific coverage by representing multiple national and regional insurance carriers (including Progressive, Safeco, Liberty Mutual, Blue Cross Blue Shield, Cincinnati Insurance, GEICO, and others). The agency places and services policies on behalf of customers and earns commissions from carrier partners, operating from offices in Vandalia and Saint Elmo, Illinois, and licensed across IL, MO, IN, FL, KS, and AZ.

Product overview

MCKELLAR, ROBERSON, MCCARTY & CLICK INSURANCE, LTD. is an independent insurance agency offering a comprehensive portfolio of insurance products and services. The agency provides Personal Insurance (home, auto, life, health, disability, umbrella, and specialty lines), Business Insurance (general liability, commercial umbrella, workers' compensation, business auto, BOP, cyber liability, and commercial property), Employee Benefits (group health, dental, vision, life, disability, critical illness, and voluntary benefits), Medicare solutions, and industry-specific coverage (farm, retail, medical office, manufacturer, restaurant, technology). As an independent agency, they represent multiple insurance carriers including Progressive, Safeco, and over 30 other insurance companies, allowing them to offer customized coverage options to meet individual customer needs. The agency operates two offices in Illinois (Vandalia and Saint Elmo) and has been serving the community since 1921.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Comprehensive personal lines insurance coverage for individuals and families, including home, auto, individual life, individual health, long-term disability, umbrella, renters, condo, high net worth, travel, wedding, classic car, flood, earthquake, motorcycle, RV, watercraft, yacht, identity theft, and home cyber insurance products placed with carrier partners such as Progressive, Safeco, GEICO, Liberty Mutual, American Modern, Foremost, Hagerty, Markel, and Pekin Insurance.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and minor.

• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented by MRMC. Offers auto, home, and other personal insurance products.
• SafecocoreChannel Partner/ Reseller/ DistributorNational insurance carrier (Liberty Mutual subsidiary) represented by MRMC for personal insurance products.
• Trusted ChoiceminorStrategic or Co-development PartnerIndependent insurance agency association/partnership providing marketing support and brand affiliation for independent agents.
• Blue Cross Blue Shield IllinoiscoreChannel Partner/ Reseller/ DistributorMajor health insurance provider represented for group health and individual health insurance coverage.
• Cincinnati Insurance CompaniescoreChannel Partner/ Reseller/ DistributorRegional commercial insurance carrier represented for business insurance products including property and liability coverage.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorNational insurance carrier represented for various personal and commercial insurance products.
• GEICOminorChannel Partner/ Reseller/ DistributorNational auto insurance carrier known for direct-to-consumer model, also available through independent agents.
• Allstate BenefitsminorChannel Partner/ Reseller/ DistributorEmployee benefits insurance provider for group health and voluntary benefits products.
• American ModernminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for manufactured housing, recreational vehicles, and specialty property coverage.
• ForemostminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for mobile homes, rental property, and specialty personal lines coverage.
• HagertyminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for classic and collector vehicles.
• MarkelminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for various commercial and personal lines including motorcycles and classic cars.
• Pekin InsuranceminorChannel Partner/ Reseller/ DistributorRegional Illinois-based insurance carrier offering personal and commercial insurance products.
• RLIminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier offering commercial lines, property, and casualty products.
• West BendminorChannel Partner/ Reseller/ DistributorRegional insurance carrier offering personal and commercial insurance products primarily in the Midwest.
• Big I AllianceminorStrategic or Co-development PartnerIndependent Insurance Agents Alliance providing access to markets, technology, and marketing support for independent agents.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Erie Insurance: Regional super-regional P&C carrier distributed exclusively through independent agents across the Midwest, Mid-Atlantic, and Southeast. Comparable in its independent-agency distribution model and emphasis on personal + small-commercial lines.
• Cincinnati Financial: Midwest-based commercial-lines carrier distributed primarily through independent agents. As an existing carrier partner of MRMC, it operates in the same independent-agency distribution model and serves overlapping small-business customers.
• Auto-Owners Insurance: Midwest-headquartered P&C carrier distributed exclusively through independent agents. Highly comparable in its multi-line personal and commercial focus and its reliance on local independent agency partners in small-town markets.
• COUNTRY Financial: Midwest-based insurance and financial services company with a captive/affiliated agent model serving rural Illinois and surrounding states. Directly comparable to MRMC in geography, customer base (rural Midwest families and small businesses), and multi-line product mix.
• Pekin Insurance: Regional Illinois-based property/casualty carrier that distributes exclusively through independent agents. Pekin is already a carrier partner of MRMC, making it a directly comparable regional peer serving the same Midwest independent-agency channel.
• Westfield Insurance: Ohio-based super-regional P&C carrier distributed through independent agents. Comparable as a regional carrier partner serving independent agents across the Midwest with personal, commercial, and specialty lines.
• Shelter Insurance: Midwest-based mutual insurer using a career and independent agent model for personal, commercial, and life products. Comparable in its small-town Midwest distribution footprint and multi-line product strategy.

Broad incumbents

• State Farm: Largest US personal-lines insurer with a captive agent model deeply embedded in rural Midwest communities. Competes with MRMC for the same personal-lines customers in Vandalia and surrounding counties, but operates at vastly greater scale.

Others

• AssuredPartners: Large national aggregator that acquires and partners with independent insurance agencies. Represents a realistic exit path / roll-up acquirer for a multi-line independent agency of MRMC's profile.
• Acrisure: Rapidly growing insurance brokerage aggregator acquiring independent agencies across the US. Relevant as a strategic acquirer and as a benchmark for the independent-agency roll-up thesis that applies to MRMC.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/MRMCINSURANCE
• LinkedInlinkedin.com/company/mckellar-robertson-mccarty-&-click-insurance-ltd.

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 MCKELLAR, ROBERTSON, MCCARTY & CLICK INSURANCE, LTD.