Hale Street Insurance

What Hale Street Insurance does

Hale Street Insurance, LLC is an independent insurance brokerage headquartered in Boxford, Massachusetts, founded and owned by Jake Lubinski. The firm specializes in placing insurance coverage for churches, faith-based nonprofits, and small businesses, with a primary focus on growing and multi-campus congregations in Massachusetts and broader church placement nationwide. Its core products are Church Insurance, Multi-Campus Church Insurance, Nonprofit Insurance, and Business Insurance, supplemented by a free Church Risk Assessment diagnostic and an extensive Church Insurance 101 content library.

The business operates without proprietary technology. Its competitive basis is church-specific underwriting expertise across denominational structures and exposures (abuse and molestation, pastoral counseling liability, parsonage, historic property, volunteer management, and directors and officers), proprietary risk assessment methodology, and access to top regional and national carriers via a partnership with WeTego Insurance. Distribution is fully direct: phone (978.712.0111), email, website quote intake (including policy upload and JotForm), and a content-driven inbound funnel built around the Church Insurance 101 blog.

The revenue model is standard insurance brokerage commissions earned from carriers for placing coverage, structured as recurring annual policy placements. No fees are charged to clients for the risk assessment, which serves as a freemium lead generation tool. The firm is privately held with no disclosed institutional capital, no funding rounds, and no parent company, and it holds Massachusetts producer licensing under MA #3002417405.

Name

Hale Street Insurance

Legal name

Hale Street Insurance, LLC

Website

https://halestreetinsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Hale Street Insurance is an independent insurance brokerage based in Boxford, MA that places property, liability, and specialty coverage for churches, nonprofits, and small businesses across Massachusetts and the US, with a niche focus on growing and multi-campus congregations.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Church insurance brokerage
• Nonprofit insurance
• Commercial insurance agency
• Risk assessment services
• Independent insurance broker

Headquarters

HQ city

Boxford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance brokerage, Hale Street Insurance earns commissions from insurance carriers for placing coverage on behalf of clients. They access top regional and national carriers to secure competitive coverage for churches, nonprofits, and businesses. Revenue is generated through insurance policy placements rather than fees charged directly to clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Hale Street Insurance is an independent insurance brokerage that places property, casualty, and specialty coverages for churches (including multi-campus congregations), nonprofit organizations, and small-to-mid-sized businesses. The firm pairs policy placement with risk assessment services — notably a church risk assessment designed to surface coverage gaps, safety issues, and opportunities to reduce premiums for houses of worship and related ministries.

Product overview

Hale Street Insurance is an independent insurance brokerage offering a portfolio of insurance products and risk management services primarily for churches, nonprofits, and businesses. The core offerings include Church Insurance (property and liability coverage), Multi-Campus Church Insurance (for expanding congregations), Church Risk Assessment (free diagnostic review), Nonprofit Insurance, and Business Insurance. The company also provides extensive educational content through its Church Insurance 101 blog covering specific coverage types and risk management topics. As an independent brokerage, they access top regional and national carriers to secure competitive coverage for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Church Insurance

Quantifiable outcome

• Churches in Massachusetts are frequently underinsured by 20 to 40 percent due to rising construction costs
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• WeTego InsurancecoreStrategic or Co-development PartnerHale Street Insurance has partnered with WeTego Insurance to provide customers with a deep level of expertise and a broad range of carrier access. WeTego Insurance is a partner that enhances the company's capabilities and market reach in serving church insurance clients. The partnership provides expanded carrier access for clients.
• Regional and National Insurance CarrierscoreChannel Partner/ Reseller/ DistributorHale Street Insurance maintains relationships with top regional and national insurance carriers to secure competitive coverage for church clients. Access to multiple carriers is a key differentiator, allowing them to find the most competitive coverage options for each client's specific needs.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• The Hanover Insurance Group: National P&C insurer with strong regional presence in Massachusetts and the Northeast, serving small to mid-sized commercial and nonprofit accounts. Comparable as a broader incumbent in the same regional market (MA) with overlapping small-commercial and nonprofit customer base.
• Marsh McLennan: Global insurance brokerage and risk advisory firm with a sizable U.S. commercial and nonprofit practice. Comparable as a broad incumbent in the insurance brokerage space; competes for larger nonprofit and religious organization accounts that may outgrow Hale Street's capacity.
• The Cincinnati Insurance Companies: Large regional P&C insurer with significant small-commercial, religious organization, and nonprofit business. Comparable as an incumbent carrier/agent that competes for similar commercial and nonprofit accounts, including some religious organization placements.
• GuideOne Insurance: Faith-based insurance carrier serving churches, religious organizations, senior living, and schools. Comparable as a broader incumbent in the religious-organization insurance space; overlaps significantly on church product lines but extends into adjacent verticals.

Regional players

• Frankenmuth Insurance: Regional mutual insurer serving churches, religious organizations, and small businesses, primarily in the Midwest. Comparable as a regional specialist in religious organization insurance with a niche, multi-denominational orientation similar to Hale Street's vertical focus.

Direct peers

• Church Mutual Insurance Company: Specialty insurance carrier focused on churches, religious organizations, and related institutions. Directly comparable as a major specialist in the same niche (church insurance), competing for the same end customers with overlapping product offerings (property, liability, abuse coverage, multi-campus).
• Insureon: Online insurance marketplace specializing in small business and nonprofit coverage, including BOP, general liability, and commercial insurance. Comparable because it targets overlapping customer segments (small nonprofits and growing organizations) through a digital brokerage model.
• Brotherhood Mutual Insurance Company: One of the largest U.S. carriers specializing exclusively in insurance for churches and faith-based organizations. Directly comparable because it serves the same core customer (churches) with property, liability, and ministry-specific coverages, though as a direct carrier rather than independent broker.

Emerging players

• Next Insurance: Digital-first insurance provider targeting small businesses and independent contractors with streamlined BOP and liability products. Comparable as an emerging digital brokerage/carrier addressing similar SMB and nonprofit buyers with faster, lower-friction online experiences.
• CoverWallet: Digital insurance brokerage focused on small and mid-sized businesses, acquired by Aon. Comparable as a technology-driven brokerage serving small businesses and nonprofits, competing on convenience and digital experience rather than domain specialization.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/hale-street-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Hale Street Insurance