KERNER INSURANCE, INC.

Name

KERNER INSURANCE, INC.

Legal name

Kerner Insurance, Inc.

Website

https://kernerinsurance.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Spokane

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Kerner Insurance earns commissions from the insurance carriers they represent. When they sell or service an insurance policy from carriers like CNA, Progressive, Nationwide, Liberty Mutual, and others, they receive a commission based on the premium. The agency does not charge customers directly for their services - their compensation comes from the insurance company commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Kerner Insurance, Inc. is an independent insurance agency that sells personal and commercial insurance policies from eleven different insurance carriers, including Progressive, Nationwide, Liberty Mutual, Travelers, Safeco, and CNA. The agency shops multiple carriers on behalf of customers to find coverage meeting both coverage needs and budget, then earns commissions from the carriers for placing and servicing policies.

Product overview

Kerner Insurance, Inc. is an independent insurance agency offering a portfolio of ten core insurance products. The agency acts as a comparison-shopping service, representing multiple insurance carriers including CNA, Encompass, Foremost, Hagerty, Liberty Mutual, MAPFRE, Nationwide, Philadelphia Insurance, Progressive, Safeco, and Travelers. The product portfolio spans personal lines (auto, homeowner, renters, umbrella, classic car, motorcycle, boat, RV, and off-road vehicle insurance) and commercial lines (business insurance). All products are distributed through independent agency channels with customized policy options from the represented carrier network.

Differentiator

Problem solved

Functional benefit

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core.

• CNAcoreChannel Partner/ Reseller/ DistributorCNA is one of the largest commercial property and casualty insurers in the United States. Kerner Insurance represents CNA to provide commercial and business insurance solutions to their customers. Claims can be reported at 877-262-2727 and payments made at 877-276-7507.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive Insurance is a major auto insurance provider known for competitive rates and the 'Name Your Price' tool. Kerner Insurance offers Progressive auto insurance to their customers. Claims: 800-776-4737.
• NationwidecoreChannel Partner/ Reseller/ DistributorNationwide is a major insurance and financial services company. Kerner Insurance represents Nationwide for various insurance products. Claims: 800-421-3535.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorLiberty Mutual is a major insurance provider offering auto, home, and business coverage. Kerner Insurance represents Liberty Mutual. Claims: 844-825-2467.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers is a leading property casualty insurer. Kerner Insurance offers Travelers products to their customers. Claims can be reported through their website.
• SafecocoreChannel Partner/ Reseller/ DistributorSafeco Insurance, part of Liberty Mutual, provides personal insurance products. Kerner Insurance represents Safeco. Claims: 800-332-3226.
• Encompass InsurancecoreChannel Partner/ Reseller/ DistributorEncompass Insurance offers personalized coverage with brand-name policies. Kerner Insurance represents Encompass. Claims: 800-588-7400.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorForemost Insurance specializes in coverage for specialty vehicles including RVs, motorhomes, and classic cars. Kerner Insurance represents Foremost. Claims: 800-527-3907.
• HagertycoreChannel Partner/ Reseller/ DistributorHagerty is a leading insurance provider specializing in classic and collector vehicles. Kerner Insurance offers Hagerty classic car insurance. Claims: 800-922-4050.
• MAPFREcoreChannel Partner/ Reseller/ DistributorMAPFRE Insurance is a global insurance provider with regional presence. Kerner Insurance represents MAPFRE. Claims and payments can be managed through their online portal.
• Philadelphia InsurancecoreChannel Partner/ Reseller/ DistributorPhiladelphia Insurance (PHLY) provides specialized commercial insurance products. Kerner Insurance represents Philadelphia Insurance. Claims: 800-765-9749.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• The Hartford: Major P&C insurer with strong SMB commercial franchise (workers comp, BOP, commercial auto). Competes with Kerner in Kerner's commercial segment and through its own AARP distribution partnership.
• Progressive: One of Kerner's represented carriers, but also a direct-to-consumer competitor. Progressive sells through its own branded channels and via independent agents like Kerner, illustrating the dual threat/co-partner dynamic in the agency channel.
• State Farm: Largest U.S. P&C writer with a captive agent model. Competes head-to-head with independent agencies like Kerner for personal lines customers, offering brand strength and bundling discounts that independent agents must counter with carrier diversity.
• GEICO: Direct-to-consumer auto insurer that bypasses independent agencies. Represents the structural disintermediation risk to Kerner's book, particularly on commodity personal auto lines.
• Liberty Mutual: National P&C carrier that is both a Kernerapointed carrier partner and a direct writer. Comparable in the lines distributed (auto, home, business) but operates at vastly larger scale and with its own direct channels.

Emerging players

• Insurify: Insurance comparison marketplace that aggregates quotes from multiple carriers. Overlaps with Kerner's comparison-shopping value proposition but is digital-only and consumer-direct, representing a competitive threat.
• Simply Insurance: Online insurance agency specializing in personal lines comparison across multiple carriers. Closely comparable business model to Kerner but executes via digital funnel rather than local agency presence.

Direct peers

• SmartFinancial: Online insurance agency comparing rates across multiple carriers for personal and commercial lines. Comparable to Kerner in brokerage function (shopping multiple carriers) but competes via digital-first acquisition rather than local in-person service.
• Goosehead Insurance: Independent insurance agency franchise that, like Kerner, represents multiple carriers and earns commissions on personal and commercial lines. Goosehead operates a franchise model with broader geographic reach and similar comparison-shopping positioning.
• Brightway Insurance: Franchise independent insurance agency placing personal and commercial coverage through multiple carriers. Directly comparable business model to Kerner — commission-based, multi-carrier, relationship-driven distribution.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/kerner-insurance-inc.

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 KERNER INSURANCE, INC.