The Radcliffe Insurance Group
The Radcliffe Insurance Group is an independent insurance agency in Bristol, Pennsylvania, founded in 2010 with 7 employees, offering personal and commercial coverage through multiple carrier partnerships to consumers and small businesses in the region.
- Company typePrivate
- Founded2010
- HeadquartersBristol, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What The Radcliffe Insurance Group does
The Radcliffe Insurance Group is an independent insurance agency founded in 2010 and headquartered at 2400 Bristol Avenue in Bristol, Pennsylvania. The firm operates as a multi-line insurance distributor, sourcing policies from multiple carrier partners rather than underwriting risk itself. Its product portfolio spans personal lines — auto, home, life, umbrella, RV, boat, motorcycle, flood, and Medicare-related coverage — alongside commercial lines including business, commercial auto, workers compensation, general liability, and cyber liability.
The agency employs seven people and serves individual consumers, families, and small-to-mid-sized businesses, primarily within the Pennsylvania market. Its technology footprint consists of standard industry tooling: carrier rating platforms, an agency management system, consumer-facing online quote forms, and a social media presence. There is no disclosed proprietary platform, no differentiated technical capability, and no AI/ML component.
Revenue is generated through standard insurance agency commission structures — a percentage of premium written with carrier partners — with carrier-determined pricing on the underlying policies. The go-to-market model is relationship-led, supplemented by referrals and digital lead generation. The firm is privately held, has not raised outside capital, and has no publicly disclosed revenue, funding, or headcount-growth signals.
The Radcliffe Insurance Group firmographics
Firmographics- Name
- The Radcliffe Insurance Group
- Legal name
- The Radcliffe Insurance Group
- Website
- https://radcliffeinsurance.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- The Radcliffe Insurance Group is an independent insurance agency in Bristol, Pennsylvania, founded in 2010 with 7 employees, offering personal and commercial coverage through multiple carrier partnerships to consumers and small businesses in the region.
- Ownership category
- akta.pro rank
The Radcliffe Insurance Group industry classification
Industry- Product category
- Insurance Brokerage 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 industries
- Small Group Health Insurance (2–50/100) (FSAIAFAD), Professional Liability (Errors & Omissions) (FSAJADAB), Public Liability (Premises/Operations) (FSAJADAD)
Keywords
Where The Radcliffe Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Bristol
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
The Radcliffe Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commissions: As an independent insurance agency, The Radcliffe Insurance Group earns commissions from multiple insurance carriers for policies placed. The agency represents multiple insurance companies, allowing them to shop coverage options to find the best combination of price and coverage for clients. Revenue is generated through commissions on new policy sales and renewals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance pricing tailored to individual customer needs and risk profiles |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
The Radcliffe Insurance Group product offering
Product offeringCore offering
The Radcliffe Insurance Group is an independent insurance agency that represents multiple insurance carriers to provide personal and commercial insurance products to customers in Bristol, Pennsylvania, and the surrounding Pennsylvania market. The agency places policies across a wide range of coverages—including auto, home, life, health, Medicare, and specialty personal lines on the consumer side, and commercial package, commercial auto, general liability, workers compensation, professional liability, cyber liability, bonds, and contractor insurance on the business side—and earns commissions on new and renewal business. Customers can obtain quotes via phone, online forms, or in-office visits, and the agency supports policy service, claims filing, and certificate requests.
Product overview
The Radcliffe Insurance Group is an independent insurance agency based in Bristol, Pennsylvania, operating since 2010. The company offers a comprehensive portfolio of insurance products organized into Personal Insurance and Business/Commercial Insurance categories. As an independent agency, they represent multiple insurance carriers to provide customized coverage options. Personal products include auto, homeowners, life, health, Medicare plans, condo, disability, flood, high net worth, long-term care, motorcycle, pet health, recreational vehicles, renters, senior products, specialty dwelling, travel, and umbrella insurance. Business products include commercial package policies, commercial property, commercial auto, general liability, commercial umbrella, bonds, contractors insurance, cyber liability, group benefits, professional liability (E&O), restaurant insurance, and workers compensation insurance. The agency provides quote services, policy management, claims filing, and certificate requests through their service center.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Vehicle coverage protecting Pennsylvania drivers against accidents, liability, collision, comprehensive damage, and uninsured motorists.
- Homeowners Insurance Coverage protecting the home structure, personal belongings, liability, and loss of use for homeowners in Bristol and Pennsylvania.
- Life Insurance Financial protection for dependents covering term life and whole life options with needs-based coverage analysis.
- Health Insurance Individual and group health plan options including various deductible, co-insurance, and plan type configurations.
- ATV & Powersports Insurance Specialized coverage for all-terrain vehicles, quads, and off-road vehicles including liability and physical damage protection.
- Boat Insurance Comprehensive watercraft protection covering liability, physical damage, navigational area, agreed value, and personal effects for boats and personal watercraft.
- Medicare Insurance Medicare eligibility guidance including supplement plans, advantage plans, and prescription drug plan comparison services for Bristol-area residents.
- Medicare Prescription Drug Plans Part D prescription drug plan comparison with annual formulary review during open enrollment periods.
- Medicare Advantage Plans Medicare Part C alternative plans combining hospital, medical, and prescription drug coverage administered by private insurers.
- Medicare Supplement Insurance Medigap coverage designed to cover the 20% cost-sharing gap between Medicare billing and actual coverage.
- Condo Insurance H0-6 policy covering condo unit interiors where association insurance stops, including floors, walls, cabinets, and fixtures.
- Disability Insurance Income protection insurance covering long-term and short-term disability with various waiting periods and benefit periods.
- Flood Insurance Stand-alone flood coverage separate from homeowners insurance, required in certain FEMA flood zones.
- High Net Worth Insurance Concierge-level customizable coverage for high-value homes, private collections, identity theft, artwork, and high-value autos.
- Long Term Care Insurance LTC coverage protecting against retirement bankruptcy from long-term care expenses with various funding options.
- Motorcycle Insurance Coverage for street cycles, Harley Davidsons, trike conversions, cruisers, classic bikes, touring bikes, and dirt bikes.
- Pet Health Insurance Veterinary expense coverage protecting against unexpected illness and injury costs for dogs and cats.
- Recreational Vehicle Insurance Motorhome, travel trailer, camper, and horse trailer coverage with stated value, agreed value, or replacement cost options.
- Renters Insurance Personal property protection and liability coverage for renters with optional full value coverage and medical payments.
- Senior Insurance Products Comprehensive Medicare, long-term care, and prescription coverage guidance for seniors.
- Specialty Dwelling Insurance Non-owner-occupied property coverage for rental properties, vacant homes, seasonal homes, older homes, and homes under construction.
- Travel Insurance Domestic and international travel coverage for trip cancellation, medical emergencies, evacuation, and travel supplier default.
- Umbrella Insurance Stand-alone liability policy providing additional coverage limits above underlying homeowners and auto policies, typically $1-5 million.
- Business Insurance (Commercial Package) Customized commercial coverage including BOP, general liability, property, umbrella, workers comp, and industry-specific programs for small and mid-sized Pennsylvania businesses.
- Commercial Property Insurance Building and business personal property coverage including lost income, business interruption, and liability protection.
- Commercial Auto Insurance Coverage for company vehicles including cargo vans, limos, taxis, buses, SUVs, and pickup trucks with liability, collision, and comprehensive options.
- General Liability Insurance Commercial General Liability (CGL) coverage protecting against bodily injury, property damage, and advertising/copyright claims.
- Commercial Umbrella Insurance Additional liability coverage up to $10 million above basic business liability limits for catastrophic claims.
- Bonds Surety, lost title, contract, and license/permit bonds including contractor, tax, environmental, and ERISA bonds.
- Contractors Insurance General liability, completed operations, professional liability (E&O), business owners policy, and workers comp for contractors.
- Cyber Liability Insurance Data breach coverage for sensitive customer information including legal fees, identity restoration, and system recovery.
- Group Insurance Benefits Group health, dental, and disability insurance plans for businesses with employee coverage options.
- Professional Liability Insurance Errors and Omissions coverage for lawyers, doctors, architects, IT professionals, real estate brokers, consultants, and engineers.
- Restaurant Insurance Restaurant-specific coverage including general liability, workers comp, loss of income, and crime/vandalism for restaurants, food trucks, and caterers.
- Workers Compensation Insurance State-mandated coverage for employee work-related injuries and illness including lost wages and medical treatment.
Companies that use The Radcliffe Insurance Group
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
The Radcliffe Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
The Radcliffe Insurance Group partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Multiple Insurance CarrierscoreAs an independent insurance agency, The Radcliffe Insurance Group represents multiple insurance carriers to provide comparison options for clients. Specific carrier names are not disclosed on the website, but the agency emphasizes access to a wide range of insurance companies as a key differentiator.
Scale indicators2 records
Recent moves6 records
Expansion highlights3 records
The Radcliffe Insurance Group competitors and assessment
Company assessmentBroad incumbents
- Allstate: Major national P&C insurer with captive agent distribution and direct channels. Competes for auto, home, and life customers in Pennsylvania and is a structural incumbent on the same household wallet Radcliffe targets.
- Brown & Brown, Inc. Large national insurance brokerage with extensive personal and commercial lines distribution. While much larger than Radcliffe, it competes for the same SMB and personal lines accounts through its independent agency network.
- Acrisure: Tech-enabled insurance brokerage with rapid roll-up of independent agencies. Competes for commercial and personal lines accounts and represents a potential acquirer or competitor consolidating Radcliffe's space.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm competing for commercial and personal lines placement. Its retail brokerage division competes directly with Radcliffe for SMB and mid-market commercial accounts.
- Hub International: Large mid-market insurance brokerage offering personal, commercial, and employee benefits across multiple U.S. regions. Overlaps with Radcliffe on SMB commercial accounts and group benefits placement.
- State Farm: Largest U.S. personal lines insurer with an exclusive captive agent distribution model. Directly competes with Radcliffe for auto, home, and life insurance customers, particularly in Pennsylvania where it has dense agent coverage.
- Progressive: Major direct-to-consumer and agent-channel auto insurer. Competes with Radcliffe on auto placement both through direct online channels and through independent agency appointments that overlap with Radcliffe's carrier panel.
Emerging players
- Lemonade: Insurtech offering direct-to-consumer homeowners, renters, and pet insurance through a fully digital, AI-driven flow. Represents the structural threat to traditional agencies like Radcliffe for commodity personal lines placement.
Regional players
- Erie Insurance: Regional P&C carrier with strong Pennsylvania and Mid-Atlantic agency distribution. Operates a captive agent model that directly competes with independent agencies like Radcliffe in the same geographic footprint, particularly for auto and home.
Direct peers
- Goosehead Insurance: Independent insurance agency franchisor with multi-carrier comparison model highly analogous to Radcliffe's value proposition. Targets personal lines customers with a referral-driven growth engine and is the most structurally similar scaled peer.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
The Radcliffe Insurance Group social profiles
Digital presenceThe Radcliffe Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Radcliffe Insurance Group leadership team
Management profileNumber of profiles
The Radcliffe Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Radcliffe Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Radcliffe Insurance Group
What does The Radcliffe Insurance Group do?
The Radcliffe Insurance Group is an independent insurance agency that represents multiple insurance carriers to provide personal and commercial insurance products to customers in Bristol, Pennsylvania, and the surrounding Pennsylvania market. The agency places policies across a wide range of coverages—including auto, home, life, health, Medicare, and specialty personal lines on the consumer side, and commercial package, commercial auto, general liability, workers compensation, professional liability, cyber liability, bonds, and contractor insurance on the business side—and earns commissions on new and renewal business. Customers can obtain quotes via phone, online forms, or in-office visits, and the agency supports policy service, claims filing, and certificate requests.
Is The Radcliffe Insurance Group a public or private company?
The Radcliffe Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was The Radcliffe Insurance Group founded?
The Radcliffe Insurance Group was founded in 2010. It employs 1 to 10 people.
Where is The Radcliffe Insurance Group based?
The Radcliffe Insurance Group is headquartered in Bristol, United States, in the North America region.
How does The Radcliffe Insurance Group make money?
One revenue line is on record: insurance Commissions.
Who are The Radcliffe Insurance Group's main competitors?
Broad incumbents on record are Allstate, Brown & Brown, Inc., Acrisure, Arthur J. Gallagher & Co., Hub International, State Farm and Progressive. Lemonade is listed as an emerging player. Erie Insurance is listed as a regional player. Goosehead Insurance is listed as a direct peer.
Does The Radcliffe Insurance Group have an API?
No public API is recorded for The Radcliffe Insurance Group.
What industry is The Radcliffe Insurance Group in?
The Radcliffe Insurance Group's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage, with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524210 and its SIC code is 6411.