Mountain Valley Insurance

What Mountain Valley Insurance does

Mountain Valley Insurance is a privately held, independent insurance agency founded on August 1, 1976, in Barbourville, Kentucky, and currently operating five physical office locations spanning Barbourville, Lexington, London, and Manchester in Kentucky, plus Oak Ridge in Tennessee. The agency is a subsidiary of Y-12 Federal Credit Union and previously came under the ownership of First State Bank in Middlesboro, KY in 2008. Effective July 1, 2025, Mountain Valley merged with 7 Insurance, doubling team size, deepening its Kentucky footprint, and broadening its carrier network under refreshed Mountain Valley Insurance branding.

The company represents more than a dozen insurance carriers — including Travelers, Progressive, Liberty Mutual, Chubb, Acuity, Celina, Grange, Harford Mutual, KEMI, Keystone National, Philadelphia Insurance, Secura, State Auto, US Assure, and Westfield — and offers a portfolio of roughly 60+ product lines across personal insurance (auto, home, life, Medicare, condo, renters, flood, umbrella, specialty), commercial insurance (business owners policy, general liability, commercial umbrella, business auto, workers' comp, cyber liability, D&O, EPLI, E&O, and many others), and industry-specific coverage (trucking, hospitality, medical office, contractor, municipality). It also represents 4 organizations offering 26 Medicare products in its service area.

As an independent agency, Mountain Valley does not underwrite insurance; it earns commissions from carriers on policies sold and renewed. Pricing is quote-based and risk-adjusted, with monthly billing. Go-to-market is sales-led, leveraging five physical offices, licensed in-person advisors, phone (865-859-0591) and toll-free (844-409-0559) lines, online quote-request forms, a refer-a-friend program, and customer reviews. Technology is conventional agency infrastructure: a marketing website with product pages, a Service Center self-service portal (claim reporting, bill payment, ID cards, certificates, policy reviews, policy changes), and an educational 'Clickable Coverage' interactive graphic tool. No public API, mobile app, or proprietary AI/ML capability is disclosed. Membership in the Keystone Insurers Group network provides additional carrier and specialty-placement resources.

Name

Mountain Valley Insurance

Legal name

Mountain Valley Insurance

Website

https://mtnvalleyins.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

11–50 employees

Short description

Mountain Valley Insurance is an independent insurance agency founded in 1976, operating five offices across Kentucky and Tennessee. It represents multiple national and regional carriers to deliver personal, commercial, Medicare, and industry-specific insurance to individuals, families, and businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Oak Ridge

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, Mountain Valley Insurance earns commissions from insurance carriers for policies sold and renewed. They represent multiple insurance companies including Travelers, Progressive, and others, earning a percentage of premiums written on each policy.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Mountain Valley Insurance is an independent insurance agency that sells personal, commercial, and Medicare insurance products on behalf of multiple insurance carriers (including Travelers, Progressive, Liberty Mutual, Chubb, Acuity, and others). Operating from five offices across Tennessee and Kentucky, licensed advisors help individuals, families, and businesses compare carriers and obtain coverage, earning commission on policies written and renewed.

Product overview

Mountain Valley Insurance is a full-service independent insurance agency offering a comprehensive portfolio of insurance products and services. The company provides personal insurance (auto, home, Medicare, life, condo, renters, and specialty lines), business insurance (owners policies, general liability, commercial umbrella, auto, property, and professional liability), and industry-specific coverage (trucking, hospitality, medical office, contractor, municipality). They represent multiple insurance carriers including Travelers, Progressive, and others through their independent agency model. The company operates five office locations across Kentucky and Tennessee and provides an online service center for policy management.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto insurance coverage protecting vehicle owners against financial loss from accidents, theft, and damage, including bodily injury liability, property damage, medical payments, and physical damage coverage.
• Home Insurance Homeowners insurance covering fire, property damage, personal liability, and additional living expenses, with options for replacement cost and personal property protection.
• Medicare Insurance Health insurance options for individuals age 65 or older, including Medicare Advantage Plans, Medicare Part D, and supplemental dental, vision, hearing, and hospital indemnity coverage, with 4 organizations and 26 products available in the area.
• Individual Life Insurance Financial protection for families through term life, whole life, and universal life insurance policies covering funeral costs, mortgage payments, income replacement, and business protection.
• Condo Insurance Coverage for condo unit owners protecting personal property, betterments and improvements, with liability and loss assessment coverage.
• Renters Insurance Coverage for renters protecting personal belongings, liability, and additional living expenses against perils including fire, theft, vandalism, and burst pipes.
• Flood Insurance Coverage for flood-related damage to homes and contents, available through the National Flood Insurance Program (NFIP).
• High Net Worth Insurance Specialized coverage for high-value homes and possessions including valuable collections, fine arts, and jewelry.
• Personal Umbrella Insurance Excess liability coverage providing additional protection beyond standard auto, home, or boat policies.
• Watercraft Insurance Coverage for boats and watercraft including liability, physical damage, and medical payments.
• Motorcycle Insurance Coverage for motorcycles including liability, collision, comprehensive, and uninsured motorist protection.
• Business Owners Insurance (BOP) Combined property and liability coverage in a single Business Owners Policy (BOP) protecting business assets, income, and common operational risks.
• General Liability Insurance Coverage for bodily injury, property damage, advertising injury, and medical payments arising from business operations.
• Commercial Umbrella Insurance Excess liability coverage providing additional limits typically between $2,000,000 and $10,000,000 over general liability, business auto, and other policies.
• Business Auto Insurance Coverage for business-owned vehicles including liability, collision, comprehensive, and non-owned auto liability for employee vehicles.
• Commercial Property Insurance Protection for business property including buildings, equipment, inventory, and important records against damage, loss, and theft.
• Workers' Compensation Insurance Coverage required by law protecting employees against job-related injuries and sickness, covering medical expenses and lost wages.
• Cyber Liability Insurance Protection against data breaches, unauthorized access, virus spreading, computer theft, and extortion incidents.
• Directors and Officers Liability Insurance Protection for company directors and officers against lawsuits claiming negligence in performance of duties.
• Errors and Omissions Liability Insurance Protection for businesses providing advice or services against claims of errors or omissions harming clients.
• Employment Practice Liability Insurance Coverage against employee lawsuits for wrongful termination, discrimination, sexual harassment, and other employment-related acts.
• Trucking Insurance Specialized coverage for commercial trucking including commercial trucking liability, garagekeepers, bobtail, non-trucking liability, trailer interchange, cargo insurance, and physical damage.
• Hospitality Insurance Coverage for hotels and hospitality businesses including building coverage, innkeepers legal liability, general liability, liquor liability, cyber insurance, and business income.
• Medical Office Insurance Protection for medical practices covering medical malpractice, equipment, records, cyber liability, needlestick injuries, workers' compensation, and business interruption.
• Contractor Insurance Coverage for contractors including commercial general liability, commercial property, contractors equipment, builders risk, business auto, and workers' compensation.
• Municipality Insurance Coverage for cities and towns including property, abuse and molestation, sewer authority, public officials liability, law enforcement liability, and flood/earthquake coverage.
• Service Center (Online Policy Self-Service) Online self-service portal for policyholders to report claims, pay bills, request ID cards, request certificates, review policies, and request policy changes through web forms.

Named customers6 records

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

17 partnerships are on record, tiered core and minor.

• 7 InsurancecoreStrategic or Co-development Partner · 1 July 2025Mountain Valley Insurance announced a merger with 7 Insurance effective July 1, 2025. This partnership marks a significant milestone combining two well-established agencies committed to service, integrity, and community. The merger will expand operations across Kentucky, double team size, and broaden the network of insurance carriers.
• Keystone Insurers GroupcoreStrategic or Co-development PartnerMountain Valley Insurance is a proud partner of Keystone Insurers Group, a community of independent insurance agencies. Keystone provides added resources to support business clients with complex insurance solutions, risk management, employee benefits, and financial services. The partnership offers access to specialized expertise and products. Keystone is the 4th largest agency network with 300+ partner agencies in 19 states and $5.9B in 2020 total premiums written.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers is one of the insurance carriers represented by Mountain Valley Insurance, offering commercial and personal insurance products through the agency.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive is one of the insurance carriers represented by Mountain Valley Insurance, offering auto and commercial insurance products through the agency.
• AcuityminorChannel Partner/ Reseller/ DistributorAcuity is an insurance company represented by Mountain Valley Insurance for bill payment services.
• CelinaminorChannel Partner/ Reseller/ DistributorCelina is an insurance company represented by Mountain Valley Insurance for bill payment services.
• ChubbminorChannel Partner/ Reseller/ DistributorChubb is an insurance company represented by Mountain Valley Insurance for bill payment services.
• Grange InsuranceminorChannel Partner/ Reseller/ DistributorGrange Insurance is an insurance company represented by Mountain Valley Insurance for bill payment services.
• Harford MutualminorChannel Partner/ Reseller/ DistributorHarford Mutual is an insurance company represented by Mountain Valley Insurance for bill payment services.
• KEMI (Kentucky Employers Mutual Insurance)minorChannel Partner/ Reseller/ DistributorKEMI is a workers compensation insurance provider represented by Mountain Valley Insurance for bill payment services.
• Keystone National InsuranceminorChannel Partner/ Reseller/ DistributorKeystone National Insurance is an insurance company represented by Mountain Valley Insurance for bill payment services.
• Liberty MutualminorChannel Partner/ Reseller/ DistributorLiberty Mutual is an insurance company represented by Mountain Valley Insurance for bill payment services.
• Philadelphia Insurance CompaniesminorChannel Partner/ Reseller/ DistributorPhiladelphia Insurance Companies is an insurance provider represented by Mountain Valley Insurance for bill payment services.
• SecuraminorChannel Partner/ Reseller/ DistributorSecura is an insurance company represented by Mountain Valley Insurance for bill payment services.
• State AutominorChannel Partner/ Reseller/ DistributorState Auto is an insurance company represented by Mountain Valley Insurance for bill payment services.
• US AssureminorChannel Partner/ Reseller/ DistributorUS Assure is an insurance company represented by Mountain Valley Insurance for bill payment services.
• Westfield InsuranceminorChannel Partner/ Reseller/ DistributorWestfield Insurance is an insurance company represented by Mountain Valley Insurance for bill payment services.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Goosehead Insurance: Independent insurance agency operating across multiple states, representing numerous carriers and offering personal and commercial lines. Directly comparable to Mountain Valley's independent agency model, though larger and publicly traded.
• Erie Insurance: Regional insurance carrier distributed through exclusive and independent agents, primarily in the Mid-Atlantic and Southeast. Comparable agency-distributed model and regional carrier relationship approach.
• Higginbotham: Independent insurance agency offering commercial, personal, and employee benefits coverage across multiple states. Comparable regional independent agency model with carrier partnerships and industry-specific specializations.
• Burns & Wilcox: Specialty insurance wholesale brokerage and managing general agency serving retail agents with complex risk placements. Comparable to Mountain Valley's specialty industry lines (trucking, hospitality, medical office) through carrier network access.
• RPS (Risk Placement Services): Wholesale insurance broker and managing general underwriter providing specialty products to retail agents. Comparable industry-specific carrier access and specialty line expertise.
• The Buckner Company: Independent insurance agency providing personal, commercial, and industry-specific coverage through multiple carrier partnerships. Similar multi-office, multi-state independent agency model to Mountain Valley Insurance.
• Hilb Group: Mid-market insurance brokerage acquiring regional independent agencies across the U.S. Direct competition for independent agencies in the Southeast and represents a potential roll-up acquirer for Mountain Valley.
• Shelter Insurance: Regional insurance carrier using exclusive agent distribution across the Midwest and Southeast. Comparable regional carrier agency-distribution model targeting personal and commercial lines in Tennessee-adjacent geographies.

Broad incumbents

• Brown & Brown Insurance: Diversified insurance brokerage and risk management firm with broad personal and commercial offerings. Comparable agency model but operates as a much larger, multi-segment national platform.
• HUB International: Large global insurance brokerage offering personal, commercial, and benefits solutions. Overlaps with Mountain Valley's offerings but operates at a much larger scale across many geographies and product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mountain-valley-insurance

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 Mountain Valley Insurance