Moore and Associates
Moore and Associates is an independent, commission-based insurance brokerage founded in 1962 in Lake City, South Carolina, offering personal and commercial lines (auto, boat, home, mobile home, commercial, life) to individual consumers and small businesses across the Pee Dee Region.
- Company typePrivate
- Founded1962
- HeadquartersLake City, United States
- Headcount—
- GTM typeB2C
- OfferingServices
What Moore and Associates does
Moore and Associates is an independent insurance brokerage founded in 1962 and headquartered at 110 N Morris St., Lake City, South Carolina, with a secondary office in Olanta, SC. The firm offers customizable insurance policies across personal lines (auto, boat, home, mobile home, dwelling fire) and commercial / life lines (general liability, property, casualty, sudden-death, long-term and short-term life), acting as an intermediary connecting customers to multiple national insurance carriers rather than underwriting risk itself. It serves individual consumers, families, and small business owners across Lake City, Florence County, and the broader Pee Dee Region of South Carolina.
The firm operates as a traditional agency with no proprietary technology platforms, no API or digital self-service channel, and no disclosed use of AI or automation tooling. Distribution is conducted entirely through phone inquiries, in-person consultations at the two office locations, and community-based referral channels; the website is a basic marketing and lead-capture site built on a small-business site builder. The team consists of five people, led by Agency Principal Manager Timothy S. Lynch (with the firm since 1990) and Agency Principal Susan Moore Harper (the founder's daughter), supported by Carla S. Mouzon, Sandy H. Baird, and Amber L. Keefe.
The business model is commission-based and recurring: Moore and Associates earns carrier commissions on each personal and commercial policy written and renewed, with no subscription fees or premium markups to the customer. Quotes are offered free of charge, billing to the customer is pay-as-you-go through the underlying carriers, and the firm has no publicly disclosed pricing. Revenue is generated entirely from policy commissions, which makes customer retention and renewal rates the primary economic driver. The firm holds professional memberships in the Independent Insurance Agents & Brokers of South Carolina (IIABSC) and the Greater Lake City Chamber of Commerce, which serve as its principal external affiliations and demand-generation channels.
Moore and Associates firmographics
Firmographics- Name
- Moore and Associates
- Legal name
- Moore and Associates
- Website
- https://mooreandassociateslc.com
- Company type
- Private
- Founded year
- 1962
- Operating status
- Operating
- Short description
- Moore and Associates is an independent, commission-based insurance brokerage founded in 1962 in Lake City, South Carolina, offering personal and commercial lines (auto, boat, home, mobile home, commercial, life) to individual consumers and small businesses across the Pee Dee Region.
- Ownership category
- akta.pro rank
Where Moore and Associates is headquartered
LocationHeadquarters
- HQ city
- Lake City
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Moore and Associates business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Insurance Policy Commissions: As an independent insurance agency, Moore and Associates earns commissions from insurance carriers for policies sold. They offer customizable policies from multiple national providers, earning a commission on each policy written and renewed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free insurance quotes available for all policy types |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
Moore and Associates product offering
Product offeringCore offering
Moore and Associates is an independent insurance brokerage that sells customizable insurance policies sourced from multiple national insurance carriers. The agency offers Auto and Boat Insurance, Home and Mobile Home Insurance (including Dwelling Fire coverage), Commercial Insurance (general liability and property), and Life Insurance to individual consumers and small businesses across Lake City, Florence County, and the Pee Dee Region of South Carolina.
Product overview
Moore and Associates is an independent insurance agency offering a portfolio of customizable insurance products through relationships with multiple national providers. The agency provides four main product categories: (1) Auto and Boat Insurance covering vehicles and watercraft against accidents, collisions, and disasters; (2) Home and Mobile Home Insurance including specialized mobile home coverage and dwelling fire policies; (3) Commercial Insurance encompassing general liability and property insurance for businesses; and (4) Life Insurance offering casualty, sudden-death, long-term, and short-term coverage. Founded in 1962, the agency operates as an independent insurance agent, connecting clients to customizable policies from various national insurance providers to meet individual coverage needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto & Boat Insurance
Quantifiable outcome
- Claims process streamlined for timely payouts
Companies that use Moore and Associates
Customer profileSegments3 records
Ideal customer profiles3 records
Moore and Associates technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Moore and Associates partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- Independent Insurance Agents & Brokers of South Carolina (IIABSC)minorMoore and Associates is a member of IIABSC, an association of independent insurance agents. This membership provides professional credibility, industry networking, and access to resources.
- Greater Lake City Chamber of CommerceminorMoore and Associates is a member of the Greater Lake City Chamber of Commerce, demonstrating community involvement and local business engagement.
- Multiple National Insurance ProviderscoreAs an independent insurance agency, Moore and Associates partners with multiple national insurance carriers to offer customizable policies. They represent various providers to connect customers with appropriate coverage options.
Scale indicators3 records
Recent moves5 records
Expansion highlights3 records
Moore and Associates competitors and assessment
Company assessmentDirect peers
- Acrisure: Tech-enabled, PE-backed insurance brokerage that has grown aggressively by acquiring hundreds of small independent agencies across the U.S. Operates the same independent-agency/brokerage model as Moore and Associates, just at massive scale.
- AssuredPartners: Large PE-backed insurance brokerage that specializes in acquiring mid-market and regional independent agencies. Directly comparable business model — independent agents representing multiple carriers and earning commissions — making agencies like Moore and Associates natural tuck-in targets.
- Hub International: Mid-market insurance brokerage built largely via acquisition of independent regional agencies. Same channel model as Moore and Associates but scaled nationally with commercial lines focus.
- Brown & Brown, Inc. National insurance brokerage that has historically grown through acquiring regional independent agencies. Operates the same multi-carrier agency/brokerage model at vastly greater scale.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm that acquires and operates independent agency-style operations across the U.S. Same commission-based intermediary model targeting commercial and personal lines.
Broad incumbents
- State Farm: Largest U.S. personal lines insurer, operating primarily through captive (exclusive) agents rather than independents. A competitor in Moore and Associates' core auto/home market in the Lake City region, but with a fundamentally different distribution model.
- Allstate: Major U.S. personal lines carrier selling primarily through captive Allstate agents while also distributing through independent agents like Moore and Associates. Represents both competitive pressure and a potential carrier partner.
- GEICO: Direct-to-consumer auto and home insurer that bypasses independent agents entirely. Major competitive force against Moore's personal lines revenue, particularly among price-sensitive customers in its regional market.
Emerging players
- Lemonade: Mobile-first, AI-driven insurtech offering renters, home, and pet coverage direct-to-consumer. Represents the digital-first disruptive model that pressures traditional independent agencies like Moore and Associates, even if its current footprint in South Carolina is limited.
Regional players
- National Western Financial / locally owned independent agencies (peer set): Regional independent insurance agencies operating in similar Mid-Atlantic and rural Southeastern markets with comparable multi-line independent agency model. Representative of the dozens of similarly-sized local competitors that Moore and Associates directly competes against in person.
Market position
Strengths7 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Moore and Associates financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moore and Associates leadership team
Management profileNumber of profiles
Profiles5 records
Moore and Associates funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moore and Associates M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moore and Associates
What does Moore and Associates do?
Moore and Associates is an independent insurance brokerage that sells customizable insurance policies sourced from multiple national insurance carriers. The agency offers Auto and Boat Insurance, Home and Mobile Home Insurance (including Dwelling Fire coverage), Commercial Insurance (general liability and property), and Life Insurance to individual consumers and small businesses across Lake City, Florence County, and the Pee Dee Region of South Carolina.
Is Moore and Associates a public or private company?
Moore and Associates is a private company. It is classified as family owned and is currently operating.
When was Moore and Associates founded?
Moore and Associates was founded in 1962.
Where is Moore and Associates based?
Moore and Associates is headquartered in Lake City, United States, in the North America region.
How does Moore and Associates make money?
One revenue line is on record: insurance Policy Commissions.
Who are Moore and Associates's main competitors?
Direct peers on record are Acrisure, AssuredPartners, Hub International, Brown & Brown, Inc. and Arthur J. Gallagher & Co.. Broad incumbents are State Farm, Allstate and GEICO. Lemonade is listed as an emerging player. National Western Financial / locally owned independent agencies (peer set) is listed as a regional player.
Does Moore and Associates have an API?
No public API is recorded for Moore and Associates.