Excepsure General Insurance Services

What Excepsure General Insurance Services does

Excepsure General Insurance Services, LLC is a privately held Managing General Agency (MGA) founded in 2022 and headquartered in Cumming, Georgia, that distributes non-standard auto insurance exclusively through independent insurance agents. The company targets two end-markets: independent agents who need reliable markets for high-risk drivers, and non-standard auto insurance buyers — including drivers with imperfect records, internationally licensed drivers, and drivers with specialized vehicle needs — whom standard carriers typically decline. The company was founded by Chip Craze (Owner, President, and CEO), whose career in non-standard auto traces back to 1979 across New South Insurance Brokers of Georgia, Southeastern Security Insurance Company (1988), Everest National Insurance Company (2000), and Arrowhead General Insurance Agency (2013) before launching Excepsure.

The company's core product is the Non-Standard Auto Insurance Program, initially launched in the state of Michigan, offering liability and comprehensive/collision coverage with flexible underwriting for non-standard risks, multi-vehicle policies, multiple payment options (EFT, credit/debit card, low down payment), and discounts for multi-car, renewal, paid-in-full, stability, and seniors. The technology layer is the Excepsure Agent Portal (portal.excepsure.com), a web-based platform that enables appointed independent agents to quote, bind, and service policies online. The portal integrates online quoting, real-time endorsements, e-signature capability, VIN verification, and Motor Vehicle Record (MVR) generation at point-of-sale — workflow digitization rather than AI-driven automation.

Excepsure's business model is structured as an intermediary MGA earning commissions from carrier partners on written premiums, providing underwriting, policy administration, and claims-support services on behalf of those carriers. Distribution is channel-led: agents become appointed to write business, then use the portal for end-to-end policy management. Marketing is conducted through a direct-sales/consultative motion supported by a Squarespace-hosted website, toll-free phone outreach, and email. As of the most recent disclosures, the company operates with 1–10 employees, is live in Michigan, and has publicly signaled expansion into additional U.S. states. No funding rounds, parent company, or institutional ownership have been disclosed, indicating founder-financed operations at an early stage of commercialization.

Name

Excepsure General Insurance Services

Legal name

Excepsure General Insurance Services, LLC

Website

https://excepsure.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Excepsure General Insurance Services is a privately held Managing General Agency, founded in 2022 and based in Cumming, Georgia, that distributes non-standard auto insurance to independent insurance agents via a web-based quoting and policy management portal, initially live in Michigan.

Ownership category

akta.pro rank

Product category

Non-Standard Auto Insurance

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Non-standard auto insurance
• Managing general agency
• Independent agent network
• Auto insurance underwriting
• Specialty auto coverage

Headquarters

HQ city

Cumming

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Administration: As a Managing General Agency, Excepsure administers insurance policies and earns commissions from carrier partners on written premiums. The company acts as an intermediary between independent insurance agents and insurance carriers, providing underwriting, policy administration, and claims support services.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels2 records

Core offering

Excepsure General Insurance Services is a Managing General Agency (MGA) that underwrites, administers, and services non-standard auto insurance policies on behalf of carrier partners. The company distributes coverage exclusively through a network of appointed independent insurance agents, providing them with an online portal for quoting, binding, real-time endorsements, e-signature, VIN verification, and MVR retrieval at point-of-sale. It currently operates in Michigan with additional state expansions planned.

Product overview

Excepsure General Insurance Services is a Managing General Agency (MGA) specializing in non-standard auto insurance. Its core offering is the Non-Standard Auto Insurance Program, which includes a digital agent platform (Excepsure Agent Portal) enabling independent agents to quote, bind, and manage policies online with features such as real-time endorsements, e-signature, VIN verification, and MVR generation at point-of-sale. The company also offers a state-specific Michigan Non-Standard Auto Program as an initial market expansion. The company was founded in 2022 by Chip Craze, Owner, President and CEO, and builds on over 30 years of industry heritage dating to 1979.

Differentiator

Problem solved

Functional benefit

Products and services

• Non-Standard Auto Insurance Program A non-standard auto insurance program designed for independent agents, covering both U.S. and internationally licensed drivers with flexible underwriting for non-standard risks, liability, and comprehensive and collision coverage. Includes multiple payment options and discounts such as multi-car, renewal, paid-in-full, stability, and seniors.
• Excepsure Agent Portal A web-based portal enabling independent insurance agents to quote, bind, and manage non-standard auto insurance policies. Features online quoting, real-time endorsements, e-signature capability, VIN verification, and MVR generation at point-of-sale.
• Michigan Non-Standard Auto Program A state-specific non-standard auto insurance offering for Michigan, accepting U.S., Foreign, International, and Permit licenses. Includes BI/PD limits of 50/100/10 (with 250/500/10 available), COMP/COLL deductible options of 250, 500, 1000, 3000, multiple payment options, limited business/artisan use, maximum 4 vehicles per policy, and 6-month policy terms.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Insurance Carrier PartnerscoreOthers · 1 January 2022Excepsure maintains long-term partnerships with high-quality insurance carriers to support its non-standard auto insurance program. The company was built on relationships developed through decades of industry experience, with leadership having worked with major carriers including Everest National Insurance Company and continuing to expand carrier relationships through Arrowhead General Insurance Agency before founding Excepsure in 2022.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Emerging players

• Clearcover: Clearcover is an insurtech auto carrier using a digital-first operating model to lower distribution costs. It is comparable as a technology-led auto insurance entrant challenging legacy P&C distribution — though it skews standard rather than non-standard.
• Mile Auto: Mile Auto is a tech-enabled pay-per-mile non-standard auto insurer leveraging telematics-based underwriting. It represents an emerging, technology-led competitor pursuing a similar under-served driver segment with a modern platform approach.

Broad incumbents

• Bristol West Insurance Group: Bristol West is a national non-standard auto insurer serving independent agents with broader state coverage and larger scale. It competes for the same agent relationships and non-standard auto risks that Excepsure targets.
• Dairyland Insurance: Dairyland is a long-established non-standard and motorcycle auto carrier distributed through independent agents. It represents a scaled incumbent in the same niche Excepsure is entering.
• Direct Auto Insurance: Direct Auto is a multi-state non-standard auto insurer serving high-risk drivers across the Southeast and beyond. It is a regional-to-national incumbent competing for the same independent-agent-produced non-standard auto business.
• Acceptance Insurance: Acceptance is a non-standard auto carrier with a multi-state brick-and-mortar and agent-driven distribution model. It overlaps with Excepsure on the high-risk driver segment across many of the same states in the Southeast and beyond.
• Kemper Auto Insurance: Kemper is a multi-line personal P&C insurer with a significant non-standard auto franchise distributed through independent agents. It is a scaled incumbent competing for the same agent relationships across multiple states.
• The General Insurance: The General is a well-known non-standard auto insurer focused on high-risk drivers. While more direct-to-consumer than Excepsure, it competes in the same risk pool and shapes agent-customer expectations in non-standard auto.

Direct peers

• Arrowhead General Insurance Agency: Arrowhead is an established MGA where Excepsure's founder previously managed the non-standard auto program. It is a directly comparable MGA platform with similar program-administration capabilities and independent-agent distribution.
• GAINSCO Auto Insurance: GAINSCO is a Managing General Agency specializing in non-standard auto insurance distributed through independent agents. It is the closest direct comparable to Excepsure given its MGA structure, non-standard auto focus, and agent-channel distribution model.

Market position

Strengths6 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/excepsure-general-insurance-services

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 Excepsure General Insurance Services