Nelson Insurance Agency

What Nelson Insurance Agency does

Nelson Insurance Agency is an independent insurance agency headquartered at 407 Gordon St., Thomson, Georgia, founded in 1986 and operated across three generations of the Nelson family. The agency serves individuals and small-to-midsize businesses across Georgia, South Carolina, and North Carolina, offering a comprehensive portfolio of personal lines (auto, homeowner's, mobile home, motorcycle, recreational vehicle, renters, condo, landlord, watercraft, umbrella, flood) and commercial lines (business owner's policy, general liability, commercial property, commercial auto, workers' compensation, trucking, builder's risk, and surety bonds). As an independent broker rather than a captive agent, the firm represents multiple insurance carriers including Progressive, Safeco, Foremost, Bristol West, The General, Assurance America, Hagerty, and the Georgia Underwriting Association, allowing comparison shopping across carriers on behalf of clients.

The agency's technology stack is intentionally lightweight and carrier-dependent: core quoting, underwriting, and policy administration are delivered through carrier partner platforms (most notably a Safeco instant online quote integration), while the agency's own digital footprint consists of a website with online quote request forms, a mobile application (iOS and Android) and a self-service Certificate of Insurance portal for commercial customers. The firm has no proprietary technology, no API platform, and no disclosed AI or ML capabilities.

The business model is commission-based: Nelson Insurance Agency earns carrier-paid commissions on new policies and renewals placed across its represented carriers. There are no disclosed pricing tiers because premiums are quote-based and vary by risk, coverage, and carrier underwriting. The go-to-motion is direct-to-consumer, delivered through phone (706-595-8087), in-person office visits, and online quote forms, supported by organic search presence across the three-state service area. Revenue is not publicly disclosed; the firm is privately held by the Nelson family with no institutional ownership, funding rounds, or M&A activity on record.

Name

Nelson Insurance Agency

Legal name

Nelson Insurance Agency Financial Services Inc.

Website

https://nelsoninsurance.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Short description

Independent, family-operated insurance agency founded in 1986 in Thomson, Georgia, serving individuals and small-to-midsize businesses across Georgia, South Carolina, and North Carolina with personal and commercial insurance through multiple carrier partnerships.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Personal insurance lines
• Commercial insurance lines
• Independent insurance agency
• Multi-carrier insurance broker
• Southeast US insurance

Headquarters

HQ city

Thomson

HQ country

United States

HQ region

North America

Offices1 record

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: Nelson Insurance Agency generates revenue through commissions paid by insurance carriers for new policies sold and policy renewals. As an independent agency representing multiple carriers, they earn commission percentages on each policy placed with their carrier partners including auto, home, commercial, and specialty insurance lines.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Nelson Insurance Agency is an independent insurance agency that sells personal and commercial insurance policies by placing coverage through multiple carrier partners. Personal lines include auto, homeowner's, mobile home, motorcycle, recreational vehicle, renters, condo, landlord, watercraft, umbrella, and flood insurance. Commercial lines include Business Owner's Policy, general liability, commercial property, commercial auto, workers' compensation, trucking insurance, surety bonds, and builder's risk. The agency earns commissions from carriers on new business and renewals while providing comparison shopping, claims assistance, policy reviews, and certificate management to clients in Georgia, South Carolina, and North Carolina.

Product overview

Nelson Insurance Agency is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency provides personal insurance products including auto, homeowner's, mobile home, motorcycle, RV, renters, condo, landlord, watercraft, umbrella, and flood coverage. For commercial clients, the agency offers Business Owner's Policies (BOP), general liability, commercial property, commercial auto, workers' compensation, trucking, bonds, and builder's risk insurance. As an independent agency, they represent multiple insurance carriers to provide comparison shopping and tailored coverage options for clients in Georgia, North Carolina, and South Carolina.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage including liability, collision, and comprehensive protection for cars, motorcycles, and recreational vehicles. Offered to individuals and families; instant online quotes available via the Safeco platform.
• Homeowner's Insurance Coverage for dwellings, personal belongings, personal liability, and additional living expenses after covered losses. Sold to homeowners in GA/SC/NC.
• Mobile Home Insurance Tailored coverage to protect mobile homes, personal belongings, and liability exposure. For owners, tenants, or vacant mobile home occupancies.
• Motorcycle Insurance Coverage options for motorcycles, adapted to vehicle type, usage, storage, operators, and coverage limits. Instant quotes available through Safeco.
• Recreational Vehicle Insurance Protection for RVs, adapted to vehicle type, usage, storage, operators, and coverage limits.
• Renters Insurance Coverage for personal belongings and personal liability for renters. Instant quotes available through Safeco.
• Condo Insurance Coverage for unit owners responsible for interior finishes, upgrades, personal belongings, and liability.
• Landlord Insurance Property protection for rental properties, covering dwelling, landlord-owned property, liability, and loss-of-rents exposure.
• Watercraft Insurance Coverage options for boats and watercraft, adapted to vessel type, usage, storage, operators, and coverage limits.
• Umbrella Insurance Extra layer of personal liability protection above underlying policies such as auto and homeowners.
• Flood Insurance Separate coverage designed to protect against direct physical loss caused by flooding.
• Business Owner's Policy (BOP) Combined commercial property and general liability coverage for eligible small and midsize businesses.
• General Liability Insurance Protection for businesses from third-party claims involving bodily injury, property damage, or personal and advertising injury.
• Commercial Property Insurance

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

Eight partnerships are on record, tiered core and minor.

• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal insurance products including auto and home coverage. Nelson Insurance Agency represents Foremost to customers seeking coverage options.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing auto and related insurance products. Nelson offers Progressive as one of their carrier options for customers.
• SafecocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing instant online quote platform for personal insurance including auto, home, umbrella, renters, condo, landlord, motorcycle, boat, and RV coverage.
• The General InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering auto insurance products, represented by Nelson Insurance Agency.
• Bristol WestminorChannel Partner/ Reseller/ DistributorInsurance carrier partner for auto coverage, represented by Nelson Insurance Agency.
• Assurance AmericaminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Nelson Insurance Agency for auto and related products.
• HagertyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in classic car and collector vehicle coverage, represented by Nelson Insurance Agency.
• Georgia Underwriting AssociationminorChannel Partner/ Reseller/ DistributorState-based insurance pool providing coverage for high-risk properties in Georgia, represented by Nelson Insurance Agency.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Insurance Office of America (IOA): Southeast-headquartered independent insurance brokerage offering personal and commercial lines through a multi-carrier model. Comparable to Nelson in independent agency structure, Southeast concentration, and family-business origins.
• Heffernan Insurance Brokers: Employee-owned independent insurance brokerage offering personal and commercial coverage through carrier partnerships. Comparable to Nelson in independent agency economics, multi-line product mix, and relationship-driven distribution.
• J. Smith Lanier & Co. Regional, multi-line independent insurance brokerage headquartered in Georgia serving personal and commercial clients across the Southeast. Closely comparable to Nelson in geography, family-influenced culture, and broad personal/commercial product mix.
• Higginbotham Insurance Agency: Multi-state independent insurance brokerage serving personal and commercial clients across the South and Southwest. Comparable to Nelson in independent agency model, broad product suite, and regional expansion pattern.
• McGriff Insurance Services: Independent insurance brokerage with deep Southeast roots providing personal, commercial, and specialty lines through multiple carrier partnerships. Comparable to Nelson in independent agency model, regional orientation, and cross-line product breadth.

Broad incumbents

• AssuredPartners: National insurance brokerage serving commercial and personal lines across multiple regions, backed by private equity. Comparable to Nelson in independent agency model but at far larger scale and with capital for accelerated roll-up acquisitions.
• Brown & Brown Insurance: Large publicly traded insurance brokerage with significant Southeast presence and broad personal/commercial offerings. Comparable to Nelson in product categories served but operates at much greater scale with institutional ownership.
• Hub International: Large global insurance brokerage with strong North American footprint offering personal and commercial lines. Comparable to Nelson in product scope but operates with broader geographic reach and institutional backing.
• USI Insurance Services: National insurance brokerage and risk advisory firm serving commercial and personal clients. Comparable to Nelson in independent distribution model and carrier relationships but with significantly larger scale and specialty practices.

Others

• Georgia Underwriting Association: State-mandated insurance pool providing coverage for hard-to-place property risks in Georgia, listed as one of Nelson's carrier partners. Comparable as an ecosystem participant that enables Nelson to serve high-risk property clients it could not otherwise place.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/nelson-insurance-agency

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 Nelson Insurance Agency