Frm Group Insurance And Financial Services

What Frm Group Insurance And Financial Services does

FRM Group Insurance And Financial Services is a privately held, family-owned independent insurance agency headquartered in Stroudsburg, Pennsylvania, with a second office in Lehighton. Founded in 1937 by Michael J. Frailey's grandfather, the firm is now in its third generation of family ownership and is led by CEO Michael J. Frailey. In October 2020, Frailey Insurance and Financial Services partnered with Markley Insurance and Financial Services — owned by Larry D. Markley — to form FRM Group, a risk management company that operates the two legacy offices under a combined brand while preserving both founding families' operational involvement.

The agency offers a broad portfolio of personal, commercial, and specialty insurance products — including auto, homeowners, business, life, farm, recreational vehicle (boat, motorcycle, ATV, snowmobile, RV), and wedding protection coverage — sourced through relationships with more than 10 national and regional carriers such as Liberty Mutual, Progressive, Geico, Nationwide (for life and financial services), and Travelers (for wedding protection). FRM Group does not underwrite insurance or operate any proprietary technology; it functions as an intermediary that shops coverage across carriers on behalf of clients using standard carrier quote systems and agency management software, distributing through direct agent consultations at its two physical offices, phone and text sales, online self-serve quote forms, and a client referral program. Website accessibility is certified to WCAG 2.0 AA and Section 508 standards.

Revenue is generated primarily through commissions paid by carrier partners on new and renewed policies, with billing handled on a monthly cadence. The customer base spans individual consumers, families, and small-to-mid-sized businesses across the Poconos region of Pennsylvania and 15 additional U.S. states (AL, CA, DE, FL, GA, IN, KS, MD, NJ, NY, NC, OH, SC, TN, TX). The firm emphasizes community involvement, local presence, and personalized service as its primary differentiators, backed by regional Reader's Choice awards, an MDRT-qualified financial representative, and customer testimonials referencing multi-decade client relationships.

Name

Frm Group Insurance And Financial Services

Legal name

FRM Group Insurance and Financial Services

Website

https://frminsurancegroup.com

Company type

Private

Founded year

1937

Operating status

Operating

Headcount range

11–50 employees

Short description

FRM Group Insurance and Financial Services is a third-generation, family-owned independent insurance agency serving individuals and small-to-mid-sized businesses across the Poconos region and 15+ U.S. states with personal, commercial, life, farm, and specialty insurance products sourced from multiple carrier partners.

Ownership category

akta.pro rank

Headquarters

HQ city

Stroudsburg

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, Technology or R&D, Others

Revenue model

1. Insurance Commissions: As an independent insurance agency, FRM Group earns commissions from multiple insurance carrier partners including Liberty Mutual, Hagerty, JC Taylor, National General, Bristol/West, Foremost, Penn National, Progressive, Plymouth Rock, Bedford Grange, and Geico. Commissions are earned on new policies and renewals placed with these carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

FRM Group Insurance And Financial Services is an independent insurance agency that sells personal lines (auto, homeowners, motorcycle, boat, ATV, snowmobile, RV, life, wedding), commercial lines (business, workers compensation, cyber liability, employment practices liability), and farm insurance. As an independent agency, it shops coverage through 10+ national and regional carrier partners on behalf of clients, earning commissions on new and renewal policies placed with these carriers. The agency offers free annual coverage reviews and operates from offices in Stroudsburg and Lehighton, Pennsylvania.

Product overview

FRM Group Insurance and Financial Services is an independent insurance agency offering a broad portfolio of insurance products. The core offering centers on personal lines (auto, homeowners, life) and commercial lines (business, farm), supplemented by recreational vehicle coverage (boat, motorcycle, ATV, snowmobile, RV) and specialty wedding protection. All products are sourced through multiple national and regional carrier partners, allowing the agency to shop coverage across carriers on behalf of clients. The agency does not operate a proprietary software platform but serves as an intermediary connecting customers with insurance carriers via online quote forms and direct agent interaction.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Quantifiable outcome

• 35% savings achieved for some commercial clients compared to previous broker
• +1 more outcomes

Named customers11 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

Ten partnerships are on record, tiered minor and core.

• Monroe County Meals on WheelsminorStrategic or Co-development Partner · 1 June 2026Partnership for community outreach. FRM Group supported the MOW Pet Program during National Pet Month by collecting donations for pet supplies for Meals on Wheels clients. The partnership helps support seniors in the Monroe County community.
• Carbon County Area Agency on AgingcoreStrategic or Co-development Partner · 1 December 2023Long-running partnership for the Angels for Aging campaign, now in its eleventh year. The partnership provides Christmas gifts to seniors in Carbon County. FRM Group collects donations from clients, team members, public, service clubs, and local businesses to fulfill gift requests from seniors.
• Notre Dame Elementary School (NDES)minorStrategic or Co-development Partner · 1 May 2022Annual partnership for Race for Education fundraiser and Field Day event. Jessica Martinez serves as DJ Jess for the events. The partnership supports school technology improvements and student activities.
• Monroe County Area Agency on AgingcoreStrategic or Co-development Partner · 1 December 2021Long-running partnership for the Angels for Aging campaign, now in its eleventh year. The partnership provides Christmas gifts to Monroe County seniors nominated by Aging Care Managers who receive services and lack a support system.
• The Gardens at StroudminorStrategic or Co-development Partner · 1 December 2021Partnership for the Angels for Aging campaign providing Christmas gifts to residents of The Gardens at Stroud, a senior living community. The partnership has been ongoing for multiple years.
• Pocono Builders AssociationminorOthersProfessional membership organization. FRM Group has been a member for 5+ years and attends association events. Art D. White, Commercial Sales Representative, has served on the board of Monroe County Habitat for Humanity.
• Pocono Chamber of CommerceminorOthersCommunity involvement through chamber events and activities. The agency participates in chamber-sponsored community clean-up events and other initiatives.
• Nationwide InsurancecoreChannel Partner/ Reseller/ DistributorPrimary carrier partner for life insurance and financial services. Yvonne Reitemeyer is a Nationwide Financial Representative. The agency offers Nationwide products through this partnership.
• Travelers InsuranceminorChannel Partner/ Reseller/ DistributorWedding Protector Plan provider. FRM Group offers Travelers wedding insurance products through this partnership.
• MarshBerryminorOthersInsurance industry network and conference provider. CEO Michael J. Frailey and Operations Manager Jessica Martinez attend the MarshBerry In Motion Conference annually for industry peer networking, training, and strategic planning.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Acrisure: Fast-growing insurance brokerage and financial services firm built through acquisition of independent agencies. Competes with FRM Group for the same SMB and personal lines customer base, with much greater capacity for cross-selling and geographic expansion.
• Progressive: One of FRM Group's largest carrier partners and also a direct-to-consumer competitor. Represents both a significant revenue source (via commissions) and a competitive threat as the carrier continues to push direct online binding.
• Brown & Brown Inc. Diversified insurance brokerage built largely through acquisitions of independent agencies like FRM Group. Comparable distribution model and customer base, with significantly larger scale and resources.
• Nationwide Insurance: Primary carrier partner for FRM Group's life insurance and financial services offerings. Comparable as a multi-line insurance provider with both captive agent and independent distribution channels.
• Hub International: Large North American insurance brokerage that actively acquires and consolidates independent insurance agencies. Comparable to FRM Group as a multi-carrier brokerage model, though at vastly larger scale and with formal roll-up capabilities.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm. Operates the same multi-carrier brokerage model as FRM Group but at enterprise scale, serving commercial clients across personal and specialty lines.
• Marsh McLennan: Global professional services firm offering insurance brokerage and risk advisory through Marsh. Operates the same multi-carrier brokerage model as FRM Group, but targets large commercial accounts rather than SMBs and individuals.

Emerging players

• NEXT Insurance: Digital-first insurance provider focused on small business owners. Overlaps with FRM Group's commercial lines business, particularly for SMBs seeking fast, online-bound coverage, and represents a competitive threat to traditional agencies.
• Lemonade: Digital-first consumer insurance company offering homeowners, auto, and pet insurance. Competes with FRM Group's personal lines business through a mobile-first experience that bypasses traditional agents entirely.

Regional players

• Erie Insurance: Mid-Atlantic regional P&C carrier with strong roots in Pennsylvania. Competes with FRM Group for personal and small commercial lines customers in the same geography, though as a carrier rather than an independent agency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/frmfinancialgroup
• LinkedInlinkedin.com/company/frm-group-insurance-and-financial-services

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Frm Group Insurance And Financial Services