What CCI Insurance Services does

CCI Insurance Services, Inc. is a privately held, locally owned independent insurance agency headquartered at 305 Fremont Street in Colusa, California, with a six-person staff including owner/broker Colleen McHugh, office manager/broker Bobette Winton, three line brokers/agents, and a bookkeeper. The firm operates as a member of the Scali Insurance Group nationwide network of independent agencies, which grants access to multiple insurance carriers while preserving local autonomy. Under the CCI Insurance Services and CCI Insurance Agency trade names (formerly Colco Insurance), the agency serves individuals, families, farms, and small-to-mid-sized businesses across Northern California, including Colusa, Yuba City, Marysville, Williams, Maxwell, and Woodland.

The agency's core products span a comprehensive portfolio of personal, commercial, farm, life, health, and financial lines. Personal offerings include auto, homeowners (with renters, condo, mobile home, landlord, in-home business, and scheduled property variants), recreational vehicle, life, and health coverage, supplemented by add-ons such as Identity Theft, Personal Umbrella, and Data Backup. Farm insurance covers crops, livestock, equine, equipment, dwellings, structures, auto, umbrella, and liability. Commercial offerings include BOP, commercial auto, general liability, property, workers compensation, professional liability, bonds, cyber liability, marine, and employee benefits, plus 30+ industry-specific verticals (construction, healthcare, law firm, manufacturing, retail, technology services, craft brewery, etc.). Financial services include financial planning, annuities, 401K, retirement plans, mutual funds, pensions, profit sharing, and traditional/Roth IRAs. The underlying technology is a standard insurance agency operations platform integrated with Allied Insurance for roadside assistance and claims processing (Sign and Drive service, On Your Side service center); no proprietary AI/ML capabilities are disclosed.

The revenue model is commission-based: as an independent agency, CCI earns carrier commissions on policies placed across its multi-line book. Customer acquisition runs through direct-to-consumer channels — website quote forms, walk-in office visits, and phone outreach — supplemented by a Refer-a-Friend program and community/trade memberships (PIA, NFIB, California Farm Bureau Federation, Ag Alert). Pricing is per-quote based on individual risk assessment with monthly billing cadence; no standardized pricing is publicly disclosed. The customer base is a fragmented mix of individuals, farm/agricultural operators, and SMBs across multiple industries, with no disclosed enterprise concentration.

Name

CCI Insurance Services

Legal name

CCI Insurance Services, Inc.

Website

https://cciinsuranceservices.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

CCI Insurance Services is a privately held independent insurance agency in Colusa, California, with six staff serving individuals, families, farms, and small businesses across Northern California via multi-carrier commissions and Scali Insurance Group network affiliation.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Farm insurance products
• Personal lines coverage
• Employee benefits planning

Headquarters

HQ city

Colusa

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, Infrastructure, Technology or R&D

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, CCI Insurance Services earns commissions from insurance carriers for policies placed on behalf of customers. The agency offers a wide range of personal and commercial insurance products through multiple carrier partnerships.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

CCI Insurance Services is an independent insurance agency that places personal, commercial, farm, life, health, and financial insurance policies on behalf of customers through multiple carrier partnerships. It brokers coverage for individuals, families, farms/ranches, and small-to-mid-sized businesses across Northern California, earning commissions from carriers for policies placed. The agency also offers related financial services such as retirement planning, annuities, and mutual funds.

Product overview

CCI Insurance Services is a full-service independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency operates as a single-platform insurance brokerage with multiple product lines including: Auto Insurance, Homeowners Insurance, Farm Insurance, Life Insurance, Health Insurance, Recreational Vehicle Insurance, and Financial Services. Commercial offerings span industry-specific coverages (accounting, construction, healthcare, technology services), business policies (BOP, liability, property, workers compensation), and employee benefits (retirement plans, group health). Additional specialized products include Identity Theft Insurance, Personal Umbrella Insurance, Data Backup Services, Crop Insurance, and Equine Insurance. The agency partners with multiple insurance carriers to provide tailored coverage solutions for individuals, families, farms, and businesses throughout Northern California.

Differentiator

Problem solved

Functional benefit

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Scali Insurance GroupcoreChannel Partner/ Reseller/ DistributorCCI Insurance Agency is a proud partner of Scali Insurance Group, a nationwide network of independent insurance agencies dedicated to providing exceptional service and innovative risk solutions. This partnership enables CCI to offer products from multiple insurance carriers while maintaining local agency independence.

Scale indicators1 record

Recent moves7 records

Expansion highlights4 records

Regional players

• Auto-Owners Insurance: Regional property & casualty insurer distributing through independent agents across 26 states, with strong commercial and farm lines. Highly comparable to CCI's independent-agency distribution and small-commercial/farm book of business.
• Erie Insurance: Regional super-regional property & casualty insurer distributing through a captive-agent network across the Midwest and Mid-Atlantic. Comparable as a regionally concentrated agency-distributed insurer with strong cross-sell economics.

Broad incumbents

• State Farm: Largest U.S. personal-lines insurer with a captive-agent distribution model overlapping CCI's auto, home, and life products. Comparable as a multi-line insurance distributor serving individuals and small businesses, though at vastly greater scale.
• Farmers Insurance: National multi-line insurer with an exclusive-agent channel that directly overlaps CCI's personal, commercial, and farm insurance offerings. Particularly relevant given Farmers' historical positioning in agricultural and small-business segments.
• Allstate: National insurer with exclusive-agent distribution offering personal lines (auto, home) and commercial products comparable to CCI's portfolio. Operates as a broad incumbent against which CCI's independent agency model competes for the same household customers.
• Liberty Mutual: Major U.S. property & casualty insurer distributing personal and commercial lines through both captive and independent channels. Competes with CCI in homeowners, auto, and small-business coverage across California.

Direct peers

• Brown & Brown: Large independent insurance brokerage distributing personal and commercial lines through a network of producer offices — same agency-distribution business model as CCI, though at national scale. Relevant benchmark for commission economics and growth pathways.
• Goosehead Insurance: Independent personal-lines insurance brokerage distributing through franchised agents — directly comparable to CCI's independent-agency distribution model for home, auto, and umbrella products.
• Leavitt Group: National network of independent insurance agencies distributing personal, commercial, and agribusiness lines — closely analogous to CCI's Scali Insurance Group partnership model. Offers the most structural comparison as a regional-agency network operator.

Emerging players

• Lemonade: Digital-first insurtech distributing renters, home, auto, and pet insurance direct-to-consumer. Represents the emerging model that pressures traditional independent agencies like CCI on price, UX, and speed of quote.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/cci-insurance-services

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 CCI Insurance Services