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Howell-craig Insurance Agency INC.

Based on public information · Profile not yet claimed

Licensed agency · channel not confirmed

Offices: Cumberland · Ohio
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Ownership history

  • Ownership change documented · 2018 · Ron and Melinda Yerian purchased the agency in January 2018

Historical event. Not a sale signal, and it does not rule out future candidacy if new evidence supports it.

Howell-craig Insurance Agency INC. is a licensed insurance agency licensed in Cumberland, OH. Lines listed: Home, Manufactured Home, Farm, Auto, Antique Auto, Camper, Motorcycle, ATV, Commercial Insurance. Founding or history: over 60 years. Agency Match assessments based on public information: Business Partnerships low. 12 publicly sourced facts with links.

How we determined the info on this profile
  • License record: taken from the state license roster.
  • Offices: based on offices listed on the agency's website. More than one office can count toward the Looking to Buy score.
  • Lines of business: based on text on the agency's website. They can count toward the Strategic Partnership score.
  • Leadership: based on text on the agency's website. It can count toward the Mentorship & Peer Connection score.
  • Looking to Buy: not enough public facts for a score.
  • Open to Selling: not enough public facts for a score.
  • Mentorship & Peer Connections: not enough public facts for a score.
  • Business Partnerships: scored from specialties, markets and carriers published on the agency's website.

Research

Detailed profile

Geography

1 documented offices

Ownership events

1

Ownership

Not confirmed

Agency Match assessments

Agency Match uses public information and a proprietary scoring model to identify possible business opportunities. Ratings indicate potential, not confirmed interest, unless explicitly noted.

Looking to Buy

Insufficient Evidence

Public signs the agency buys or absorbs other agencies: past acquisitions, growth by acquisition, added offices and the depth to integrate a book.

Why: Three or more named leaders; public history of 15+ years in business or in the industry

What this rating was based on (2 factors)

Based on public information. Points come from a fixed rubric. The score is a sum of points, not a probability. Confidence is shown separately and does not change the rating.

  1. Three or more named leaders (supporting)+10 pts
  2. Public history of 15+ years in business or in the industry (supporting)+5 pts

Total: 15 points → Insufficient Evidence: a rating needs at least two facts including one core factor for this assessment.

Confidence (separate from the rating): not given without a rating · 5 facts from 1 website.

Not known publicly: Whether the agency is buying now and at what size; Financing and integration capacity.

Open to Selling

Acquisition Research Fit

Low · 0

Acquisition Research Fit is low. An internal buyout lowers external research fit and raises transition confidence. Formation year 1960 is on a verified record (66 years in operation). The rating stays Low because years in operation and size are a business profile, not a transition. This is not a statement that the agency wants to sell.

  • An internal buyout lowers external research fit and raises transition confidence. Verified · -12 ptshowellcraig.com
  • Formation year 1960 is on a verified record (66 years in operation). Verified · +8 ptshowellcraig.com

Transition signals

  • An internal purchase is documented. That is continuity, not a current outside opportunity.

Countervailing evidence: An internal buyout lowers external research fit and raises transition confidence. An internal purchase is documented. That is continuity, not a current outside opportunity.

Confidence: low. Separate from the rating.

Not on file: Owner tenure is not established; Confirmed sale interest is unknown.

Confirmed sale interest: Unknown

Mentorship & Peer Connections

Insufficient Evidence

Public signs of industry standing and willingness to share know-how: association leadership, teaching, memberships, recognition and tenure.

Why: Public history of 15+ years in business or in the industry; public history of 30+ years in business or in the industry; three or more named leaders

What this rating was based on (3 factors)

Based on public information. Points come from a fixed rubric. The score is a sum of points, not a probability. Confidence is shown separately and does not change the rating.

  1. Public history of 15+ years in business or in the industry (supporting)+10 pts
  2. Public history of 30+ years in business or in the industry (supporting)+5 pts
  3. Three or more named leaders (supporting)+5 pts

Total: 20 points → Insufficient Evidence: a rating needs at least two facts including one core factor for this assessment.

Confidence (separate from the rating): not given without a rating · 6 facts from 1 website.

Not known publicly: Whether the principals want to mentor or be mentored.

Business Partnerships

Low · 30

Public signs the agency would complement others: niche specialties, referral or partner relationships, broad carrier access, both personal and commercial lines, and regional reach.

Agency Match score: 30/100 · Low confidence: few public facts

Why: Niche specialty line documented; several documented lines of business

  • Niche specialty line documented · Home, Manufactured Home, Farm, Auto, Antique Auto, Camper, Motorcycle, ATV, Commercial Insurancehowellcraig.com
  • Several documented lines of business · Personal Insurance, Commercial Insurancehowellcraig.com
What this rating was based on (2 factors)

Based on public information. Points come from a fixed rubric. The score is a sum of points, not a probability. Confidence is shown separately and does not change the rating.

  1. Niche specialty line documented+20 pts
    • Home, Manufactured Home, Farm, Auto, Antique Auto, Camper, Motorcycle, ATV, Commercial Insurancehowellcraig.com
  2. Several documented lines of business (supporting)+10 pts

Total: 30 points → Agency Match score 30/100, rated Low (High at 60+, Medium at 35+).

Confidence (separate from the rating): Low confidence: few public facts · 2 facts from 1 website.

Not known publicly: Which partnerships the agency would welcome; Carrier appointments not published online.

Record & channel

License recordPublicly sourced

Ohio resident business-entity license (NPN 6143513), licensed at Cumberland, OH

gateway.insurance.ohio.gov
ChannelUnknown

Licensed agency · channel not confirmed

No published statement found yet saying whether this agency is independent or represents one carrier.

OwnershipUnknown

Not confirmed. Names on a website or license are not treated as proof of who owns the agency.

Website: www.howellcraig.com

Locations & footprint

Cumberland, Ohio

Operating office

PublishedBrowse city

Documented offices are not necessarily the full service area. Acquisitions do not establish additional offices.

Highlights

Home, Manufactured Home, Farm, Auto, Antique Auto, Camper, Motorcycle, ATV, Commercial InsuranceFounding: over 60 years

Story so far

  1. 2018

    Ron and Melinda Yerian purchased the agency in January 2018

    Published

People & affiliations

MelindaPublished

Melinda and her staff quickly responded to me with my inquiries

Raymond Howell (Founder)Published

Raymond Howell started the agency in 1960 with a vision to help the local community with their insurance needs.

Pat Craig (Joined 1989)Published

Pat Craig joined the agency in 1989 after retiring from the US Army and Darla Howell Craig came to work with her husband in 2000.

Darla Howell Craig (Joined 2000)Published

Pat Craig joined the agency in 1989 after retiring from the US Army and Darla Howell Craig came to work with her husband in 2000.

Melinda Yerian (Manager)Incomplete

Melinda manages the business and continues to help our friends, neighbors and customers understand their insurance needs and give that hometown service they have grown to expect from Howell-Craig Insurance.

Names & entities

HOWELL-CRAIG INSURANCE AGENCY INC.Record

Legal name on license record

Facts from published sources (12 verified, 2 unverified)

Office locationPublicly sourced

502 E Main St Cumberland, OH 43732

“Address 502 E Main St Cumberland, OH 43732”
howellcraig.com
FoundingPublicly sourced

over 60 years

“We are one of the area’s oldest insurance agency’s serving the residents and businesses of Guernsey and the surrounding counties for over 60 years.”
howellcraig.com
Market servedPublicly sourced

Guernsey and surrounding counties, Cumberland OH

“serving the residents and businesses of Guernsey and the surrounding counties”
howellcraig.com
Line of businessPublicly sourced

Home, Manufactured Home, Farm, Auto, Antique Auto, Camper, Motorcycle, ATV, Commercial Insurance

“Home Insurance Manufactured Home Insurance Farm Insurance Auto Insurance Antique Auto Insurance Camper Insurance Motorcycle Insurance ATV Insurance Commercial Insurance”
howellcraig.com
LeadershipPublicly sourced

Melinda

“Melinda and her staff quickly responded to me with my inquiries”
howellcraig.com
FoundingPublicly sourced

1960

“Raymond Howell started the agency in 1960 with a vision to help the local community with their insurance needs.”
howellcraig.com
LeadershipPublicly sourced

Raymond Howell (Founder)

“Raymond Howell started the agency in 1960 with a vision to help the local community with their insurance needs.”
howellcraig.com
LeadershipPublicly sourced

Pat Craig (Joined 1989)

“Pat Craig joined the agency in 1989 after retiring from the US Army and Darla Howell Craig came to work with her husband in 2000.”
howellcraig.com
LeadershipPublicly sourced

Darla Howell Craig (Joined 2000)

“Pat Craig joined the agency in 1989 after retiring from the US Army and Darla Howell Craig came to work with her husband in 2000.”
howellcraig.com
Office locationPublicly sourced

502 E. Main Street in Cumberland

“The agency moved to their present location at 502 E. Main Street in Cumberland in 2010.”
howellcraig.com
Ownership eventPublicly sourced

Ron and Melinda Yerian purchased the agency in January 2018

“Ron and Melinda Yerian purchased the agency in January 2018.”
howellcraig.com
Line of businessPublicly sourced

Personal Insurance, Commercial Insurance

“Home Insurance Manufactured Home Insurance Farm Insurance Auto Insurance Antique Auto Insurance Camper Insurance Motorcycle Insurance ATV Insurance Commercial Insurance”
howellcraig.com
Show 2 unverified facts (did not pass QA)
IndependentDid not pass QA

Independent agents

“Independent agents gave their customers the opportunity to pick the best coverage from a variety of sources.”

QA note: Unverified: challenge rejected. Shown for transparency; not treated as a fact.

howellcraig.com
LeadershipDid not pass QA

Melinda Yerian (Manager)

“Melinda manages the business and continues to help our friends, neighbors and customers understand their insurance needs and give that hometown service they have grown to expect from Howell-Craig Insurance.”

QA note: Unverified: value not supported by quote. Shown for transparency; not treated as a fact.

howellcraig.com