p & c insurance assoc.

What p & c insurance assoc. does

P&C Insurance Agency, Inc. (also doing business as P&C Insurance Assoc and P&C Insurance Assoc LLC) is a privately held, multi-line independent insurance agency founded in 2013 and headquartered at 124 East Ave, Norwalk, Connecticut. The agency distributes personal and commercial property and casualty insurance products — 15 personal lines including homeowners, auto, ATV, boat/marine, condominium, flood, motorcycle, RV, personal umbrella, renters, snowmobile, travel, and valuable items insurance, plus 9 commercial lines including general liability, workers' compensation, commercial auto, commercial property, BOP, contractor's liability, commercial umbrella, builders risk, and commercial trucking — by brokering policies on behalf of seven carrier partners: Progressive, Foremost, Bristol West, Dairyland, Omni Insurance Group, MetLife, and GEICO. The agency is an intermediary in the standard independent-agent model and does not underwrite risk itself.

The business operates a sales-led, phone-based go-to-market motion targeting individuals/families and small-to-mid-size businesses (service companies, professionals, retailers, contractors) in the Connecticut market. Customer acquisition runs through inbound calls to a dedicated quote line (203.956.7377) and email inquiries; no digital self-service quoting, mobile app, or social-media marketing channels are evident. Revenue is generated exclusively via carrier commissions on placed policies (quote-based pricing, monthly billing cadence), and no headcount, producer count, or financial figures have been disclosed. The agency's stated differentiator is one-on-one service and cross-carrier price comparison, supported by 24/7 carrier claim support routing rather than any proprietary technology platform.

Name

p & c insurance assoc.

Legal name

The P&C Insurance Agency, Inc.

Website

https://pncinsuranceassoc.com

Company type

Private

Founded year

2013

Operating status

Operating

Short description

P&C Insurance Agency is a privately held, multi-line independent insurance agency founded in 2013 in Norwalk, CT. It distributes personal and commercial property and casualty coverage via Progressive, Foremost, Bristol West, Dairyland, Omni, MetLife, and GEICO to individuals and small businesses in Connecticut, earning carrier commissions.

Ownership category

akta.pro rank

Product category

Property & Casualty Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Lines P&C Reinsurance (FSAOABAA)

akta.pro secondary industries

Public Liability (Premises/Operations) (FSAJADAD), Workers’ Compensation Insurance (FSAJAKAM)

Keywords

• Property casualty insurance
• Independent insurance agency
• Personal insurance coverage
• Commercial insurance coverage
• Insurance brokerage services

Headquarters

HQ city

Norwalk

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission Revenue: The agency operates as an independent insurance agency earning commissions from multiple insurance carriers (Progressive, Foremost, Bristol West, Dairyland, Omni, MetLife, GEICO) for placing personal and commercial insurance policies with their clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

P&C Insurance Agency is an independent multi-line insurance agency that sells personal insurance (home, auto, renters, ATV, boat, motorcycle, RV, flood, personal umbrella, valuable items, etc.) and commercial insurance (general liability, workers' compensation, commercial auto, commercial property, business owners package, contractors liability, commercial umbrella, builders risk, commercial trucking) by placing clients with multiple top-rated carriers. The agency earns commissions from carriers rather than underwriting its own policies.

Product overview

P&C Insurance Agency is a multi-line independent insurance agency offering a unified portfolio of personal and commercial insurance products distributed through multiple top-rated insurance carriers. The agency provides personal insurance coverage for homes, automobiles, and personal possessions through products including Homeowners, Automobile, Renters, and various specialty lines (ATV, Boat, Motorcycle, etc.), as well as commercial/business insurance products including General Liability, Workers' Compensation, Commercial Auto, and Business Owners Packages. The agency acts as an intermediary, leveraging relationships with carriers like Progressive, Foremost, Bristol West, MetLife, GEICO, Dairyland, and Omni Insurance Group to find competitively priced products for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Home insurance coverage protecting homeowners against property damage, liability, and loss of personal belongings, placed via partner carriers.
• Automobile Insurance Vehicle coverage including liability, collision, and comprehensive protection for personal automobiles, placed via partner carriers.
• ATV Insurance Specialized coverage for all-terrain vehicles protecting against accidents and damage.
• Boat & Marine Insurance Coverage for watercraft including boats and marine vessels against damage and liability.
• Condominium Insurance Coverage for condominium owners protecting their unit and personal property.
• Flood Insurance Protection against flood damage to property and belongings.
• Investment / Rental Property Insurance Coverage for landlords protecting rental properties and rental income.
• Motorcycle Insurance Specialized coverage for motorcycles against accidents, theft, and liability.
• Motor Home & RV Insurance Coverage for recreational vehicles and motor homes.
• Personal Umbrellas Excess liability coverage providing additional protection beyond standard policy limits.
• Personal Watercraft Insurance Coverage for personal watercraft such as jet skis and similar vessels.
• Renters Insurance Coverage for tenants protecting personal belongings and liability.
• Snowmobile Insurance Specialized coverage for snowmobiles against accidents and damage.
• Travel Insurance Coverage for trip cancellations, medical emergencies, and travel-related incidents.
• Valuable Items Insurance Coverage for high-value personal items such as jewelry, art, and collectibles.
• Builders Risk Insurance Coverage for buildings under construction against damage and losses.
• Business Owners Package Comprehensive insurance package combining multiple coverages for small to mid-sized businesses.
• Commercial Auto Insurance Vehicle coverage for business-owned cars, trucks, and fleets.
• Commercial Property Insurance Coverage for commercial buildings, equipment, and inventory against damage.
• Commercial Trucking Insurance Specialized coverage for trucking operations and commercial vehicles.
• Commercial Umbrella Insurance Excess liability coverage for businesses beyond standard policy limits.
• Contractor's Liability Insurance Coverage protecting contractors against third-party claims for bodily injury and property damage.
• General Liability Insurance Standard coverage protecting businesses against third-party claims for bodily injury, property damage, and advertising injury.
• Workers' Compensation Insurance Coverage for employee injuries and illnesses sustained in the workplace.

Quantifiable outcome

• Successfully lowering insurance costs for clients through industry knowledge and carrier relationships

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core.

• ProgressivecoreOthersInsurance carrier partner offering auto, home, and other personal insurance products. P&C Insurance Agency sells Progressive policies and provides 24/7 claim support service for Progressive claims.
• Foremost Insurance GroupcoreOthersInsurance carrier partner. P&C Insurance Agency sells Foremost policies and provides claim support at 1-800-527-3907.
• Bristol WestcoreOthersInsurance carrier partner for auto insurance. P&C Insurance Agency provides Bristol West claim support services.
• DairylandcoreOthersInsurance carrier partner for auto insurance. P&C Insurance Agency provides Dairyland claim support at 1-800-334-0090.
• Omni Insurance GroupcoreOthersInsurance carrier partner. P&C Insurance Agency provides Omni Insurance claim support services.
• MetLifecoreOthersInsurance carrier partner offering auto and other personal insurance products. P&C Insurance Agency provides MetLife claim support at 1-800-854-6011.
• GEICOcoreOthersInsurance carrier partner. P&C Insurance Agency provides GEICO claim support services to clients.

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Direct peers

• Brown & Brown: Large independent insurance brokerage placing P&C coverage through multiple carriers. Operates the same multi-carrier intermediary model as P&C Insurance Agency, but at materially greater scale across many states.
• Hilb Group: Insurance brokerage that builds regional density by acquiring independent agencies like P&C Insurance Agency. Operates the same multi-carrier, multi-line agency model with personal and commercial placement.
• Alliant Insurance Services: Independent insurance brokerage placing P&C, commercial, and specialty coverage through multiple carriers. Same multi-carrier agency model with broader geographic reach and deeper specialty expertise.
• USI Insurance Services: Independent insurance brokerage serving mid-market and SMB clients with P&C and employee benefits placement. Competes in the same commercial-lines segment as P&C Insurance Agency.
• Lockton Companies: Largest privately held insurance broker in the U.S., placing P&C and specialty coverage through multiple carriers. Closest analog to P&C Insurance Agency at the high end of the independent broker spectrum.
• Acrisure: Insurance brokerage aggregator built by acquiring independent agencies like P&C Insurance Agency and consolidating operations. Direct functional comp for the multi-carrier P&C agency model.
• Burns & Wilcox: Specialty wholesale insurance broker placing complex P&C and surplus lines through carrier partners. Comparable as a multi-carrier intermediary in the commercial P&C space.

Broad incumbents

• Marsh: Global insurance brokerage and risk advisory firm placing P&C coverage for commercial clients. Operates in the same multi-carrier intermediary space as P&C Insurance Agency but at vastly greater scale and global reach.
• Aon: Global professional services firm with a major insurance brokerage segment placing P&C coverage for commercial clients. Same multi-carrier intermediary space as P&C Insurance Agency but with global scale and broad portfolio.
• The Hartford: Major P&C insurance carrier that competes both directly with P&C Insurance Agency (in carrier space) and as a partner source for the agency's commercial placements.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/pncinsuranceassoc

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 p & c insurance assoc.