fullcirclecoverage.com

What fullcirclecoverage.com does

Full Circle Coverage is a privately held insurance brokerage headquartered in Cartersville, Georgia, that designs and places customized insurance and risk management programs exclusively for financially successful families and businesses. The firm operates two core practices: a Commercial Services line delivering tailored risk management, brokerage, and policy-management services to business clients such as law and medical practices, and a Private Clients practice that acts as a personal risk advisor for high net worth households covering homeowners, auto, umbrella, and other personal lines. Delivery is led by a small team of certified professionals holding CIC, CLCS, and CSSC designations, sourced through referral networks, professional community involvement (Leadership Bartow, Leadership Georgia, Rotary Club), and CLE speaking engagements across the southeastern US.

The company's technology footprint is limited to a content/marketing website and standard brokerage workflows; there is no proprietary platform, app, API, or disclosed AI capability. Distribution is direct and field-based: certified advisors consult with clients, assess risk, and place coverage with multiple carriers on the client's behalf, with the firm positioned as an independent broker free of third-party money influence. Revenue is generated through carrier commissions on placed policies, with annual billing cadence and fully quote-based, custom pricing tied to each client's risk profile and coverage selection. Forge Gold E&O, a specialized errors and omissions sub-brand, extends the product surface into lawyer- and professional-services-specific coverage.

Full Circle Coverage operates under The Forge Companies umbrella alongside Forge Consulting and Forge Gold E&O, allowing shared resources while preserving an independent brand and privately held ownership structure. The firm has no disclosed funding rounds, M&A activity, public-market listing, or institutional investors. Its 2025 inclusion in the UGA Bulldog 100 list signals externally validated growth momentum, and partner-level advisory board appointments at Donegal Insurance and Utica National reinforce carrier-side relationships, but the geographic footprint remains regional and the team remains small relative to national brokerage competitors.

Name

fullcirclecoverage.com

Legal name

Full Circle Coverage

Website

https://fullcirclecoverage.com

Company type

Private

Operating status

Operating

Ownership category

akta.pro rank

Headquarters

HQ city

Cartersville

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

Revenue model

1. Insurance Brokerage Commissions: Full Circle Coverage generates revenue through commissions from insurance carriers for placing client coverage. As an independent insurance broker, the company markets insurance programs on behalf of clients to various insurance carriers and receives compensation based on the policies placed.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Full Circle Coverage is an independent insurance brokerage that places customized commercial and personal insurance programs on behalf of high net worth individuals, families, and businesses. As a privately held broker, the firm accesses multiple insurance carriers to deliver tailored risk management solutions, including commercial property/casualty and specialty coverages (e.g., lawyer- and medical practice-specific programs) and personal lines such as homeowners, auto, and umbrella for clients with high-value assets. The company also offers Forge Gold E&O, a specialized errors and omissions insurance product.

Product overview

Full Circle Coverage offers two core insurance service offerings: Commercial Services for businesses requiring tailored risk management solutions and customized insurance programs, and Private Clients services for high net worth individuals seeking comprehensive personal insurance coverage. The company also offers Forge Gold E&O as an errors and omissions insurance product. All services are delivered by Certified Insurance Counselors (CIC) and Commercial Lines Coverage Specialists (CLCS) through a broker model that focuses on matching clients with optimal insurance placement across multiple markets.

Differentiator

Problem solved

Functional benefit

Brands

• Forge Gold E&O: A specialized E&O (Errors and Omissions) insurance product offered by the company, accessible via forgegoldeo.com

Products and services

• Commercial Services

Quantifiable outcome

• Clients receive custom-crafted protection unique to their specific situation
• +1 more outcomes

Named customers1 record

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

Four partnerships are on record, tiered core and minor.

• The Forge CompaniescoreOthersFull Circle Coverage is a privately held firm within The Forge Companies umbrella. The Forge Companies is a multi-faceted financial services organization that includes Full Circle Coverage, Forge Gold E&O, and Forge Consulting. The parent company structure allows Full Circle to maintain independence while benefiting from shared resources and brand affiliation.
• Third-Party Service ProvidersminorOthersFull Circle shares customer information with third-party companies that assist in managing operations, including email distribution services and information analysis providers. These service providers are bound by confidentiality requirements.
• Donegal Insurance CompanyminorOthersMiranda Bohannon serves as an Advisory Board Member for Donegal Insurance Company, one of the insurance carriers in the market.
• Utica National Insurance CompanyminorOthersMiranda Bohannon serves as an Advisory Board Member for Utica National Insurance Company, providing carrier relationship insights and market expertise.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• IMA Financial Group: Large independent insurance brokerage serving commercial and personal clients nationally. Comparable as a broader brokerage incumbent that competes with Full Circle for middle-market commercial accounts and offers adjacent HNW services.
• USI Insurance Services: Top-10 U.S. insurance brokerage with national reach across commercial and personal lines, including a dedicated Private Client practice. Comparable as a scaled incumbent encroaching on Full Circle's HNW and specialty space.
• Marsh (Private Client Services): Global insurance broker with Private Client Services serving HNW families and individuals. Comparable as a leading incumbent in the HNW brokerage space with national and international reach.
• Aon (Private Client Group): Global professional services firm with a dedicated Private Client practice serving HNW individuals and families. Comparable as the dominant incumbent competing for the same high net worth client profile with unmatched scale.
• NFP (an Aon company): Mid-market and HNW insurance brokerage with significant Private Client Group offerings. Comparable as a large incumbent targeting the same HNW and mid-market commercial niches with broader carrier access.

Direct peers

• Brown & Riding Insurance Services: Specialty insurance brokerage focused on niche and excess/surplus lines placements for complex risks. Comparable to Full Circle in the consultative, expertise-driven brokerage model for specialty and HNW exposures.
• Risk Placement Services (RPS): Specialty brokerage providing placement for complex commercial and personal risks across E&S and admitted markets. Comparable to Full Circle in the wholesale/specialty placement function for HNW and commercial clients.
• Worldwide Insurance Network: Specialty insurance brokerage focused on high net worth personal lines, offering homeowners, auto, umbrella, and private collections coverage. Directly comparable to Full Circle's Private Client practice in both customer profile and carrier-brokerage model.

Others

• Assurex Global: Network of independent insurance brokerages collaborating on large/complex placements. Comparable to Full Circle as an ecosystem partner that enables smaller brokerages to access broader markets and specialty capacity.

Regional players

• Higginbotham: Large independent insurance brokerage headquartered in Fort Worth, TX serving commercial and personal lines across the South and Texas. Comparable to Full Circle in mid-market commercial and personal brokerage focus with strong regional orientation.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 fullcirclecoverage.com