Goosehead Insurance Agency

What Goosehead Insurance Agency does

Goosehead Insurance Agency is a franchise-based independent personal-lines insurance brokerage distributing home, auto, renters, condo, landlord, flood, motorcycle, boat, and RV coverage through a network of 1,100+ franchises and 2,000+ agents operating in all 50 states. The company partners with 150+ insurance carriers, allowing its agents to shop coverage across carriers on behalf of individual consumers and small commercial customers. Founded in 2003 and headquartered in Westlake, Texas, Goosehead trades on NASDAQ under the ticker GSHD and reportedly places more than $1B in total written premium annually while holding less than 1% share of the $400B+ U.S. personal-lines market.

The operating technology stack centers on the proprietary Aviator comparative rater and the Digital Agent ML-driven quoting tool, supported by Salesforce-integrated analytics dashboards, the Lenderdock lender-portal integration for real estate and mortgage referral partners, and DocuSign-based digital workflows, with consumer-facing mobile applications on iOS and Android. The franchise system is the primary distribution engine: agents receive proprietary tooling and training in exchange for an upfront franchise fee (approximately $50,000) and ongoing royalties, with reported total initial investment ranging from roughly $66,000 to $111,500.

Revenue is generated through carrier commissions on bound policies, supplemented by franchise fees and ongoing royalties from the franchise network; referral partnerships with realtors and loan officers function as the dominant demand-acquisition channel. Reported financial momentum in Q3 2025 included a 16% year-over-year revenue increase and $12.7M in net income alongside 15% growth in total written premium. The company is currently absorbing the operational and reputational impact of an October 2025 data breach, while simultaneously executing a senior leadership refresh in 2026 that installed new executives across CFO, CTO, President/COO, and General Counsel roles, and extending its geographic operating footprint into Nashville, Minneapolis, and Seattle.

Name

Goosehead Insurance Agency

Legal name

Goosehead Insurance Agency, LLC

Website

https://goosehead.com

Company type

Public

Founded year

2003

Operating status

Ipo

Headcount range

1,001–5,000 employees

Short description

Goosehead Insurance Agency is a franchise-based independent personal-lines insurance brokerage distributing home, auto, and related coverage through 1,100+ franchises and 2,000+ agents across all 50 states, powered by proprietary comparative-rating and ML-driven quoting technology.

Ownership category

akta.pro rank

Headquarters

HQ city

Grapevine

HQ country

United States

HQ region

North America

Offices17 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Goosehead receives commissions from insurance carriers for policies written through its franchise network and corporate agents. Agencies are paid monthly for commissions received from policies they have written.
2. Franchise Fees: Franchise fee of $50,000 for rights to operate under Goosehead brand and system, plus ongoing royalties and fees
3. Franchise Initial Investment: Total initial investment ranges from $66,000-$111,500 including franchise fee, lease improvements, rent, equipment, insurance, licenses, and startup expenses

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Goosehead Insurance distributes personal lines insurance products — including homeowners, auto, renters, landlord, condo, motorcycle, boat, RV, and flood insurance — to U.S. consumers through a franchise network of 2,000+ licensed agents operating in all 50 states, working with 150+ carrier partners. Beyond consumer insurance distribution, Goosehead sells franchise opportunities to aspiring entrepreneurs, providing them with carrier access, proprietary technology, training, and back-office support in exchange for upfront franchise fees and ongoing royalties.

Product overview

Goosehead Insurance Agency is a franchise-based independent personal lines insurance agency offering home, car, renters, landlord, condo, motorcycle, boat, RV, and flood insurance products. The company operates a technology-enabled platform comprising the Digital Agent (machine learning-powered client quoting tool), Aviator comparative rater, Referral Partner Search Tool, and Salesforce-integrated analytics dashboards. Goosehead's proprietary technology stack enables agents to quote and bind policies within an hour, shop 150+ carrier partners, and provide personalized insurance recommendations. The company distributes through over 1,100 franchisees and 2,000+ agents across all 50 states, supported by a mobile app for iOS and Android, a client service portal, and comprehensive back-office infrastructure including training programs (New Agent Training, Sales College, Grad School, Next Level, Build Your Own Business). The franchise model provides entrepreneurs with technology, training, marketing support, and recurring revenue infrastructure to operate independent insurance agencies.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Homeowners insurance brokerage service placing homeowners policies through 150+ carrier partners, delivered by 2,000+ licensed agents across all 50 U.S. states. Targets individual homeowners seeking personalized coverage selection and carrier comparison.
• Auto Insurance Auto insurance brokerage service distributing personal auto policies through 150+ carrier partners via the franchise network and corporate sales agents. Targets individual vehicle owners comparing coverage and pricing across insurers.
• Renters Insurance Renters insurance brokerage placing tenant policies through multiple carrier partners. Targets renters needing affordable personal property and liability coverage.
• Landlord Insurance Landlord insurance brokerage for non-owner-occupied residential properties, distributing policies matched through the carrier panel for property owners renting to tenants.
• Condo Insurance Condominium owner insurance brokerage providing interior coverage and personal property protection for individual condo unit owners across the carrier network.
• Motorcycle Insurance Motorcycle insurance brokerage placing personal motorcycle policies with carrier partners that have appetite for powersports risks.
• Boat Insurance Boat and watercraft insurance brokerage distributing marine personal lines coverage through marine-specialist and panel carriers.
• RV Insurance Recreational vehicle insurance brokerage placing RV policies through carrier partners that specialize in motorhome and travel-trailer coverage.
• Flood Insurance Flood insurance brokerage placing flood policies, including NFIP-backed and private-market flood coverage through carrier partners with flood appetite.
• Goosehead Insurance Franchise Personal lines insurance agency franchise opportunity sold to aspiring entrepreneurs. Includes access to 150+ carrier appointments, proprietary Digital Agent and Aviator technology, training, marketing assets, and back-office support. Initial franchise fee $50,000 per location; total startup capital typically $66,000-$111,500.
• MBA Development Program Structured six-month franchise ownership pathway providing training and mentorship to candidates without prior agency ownership experience, leading to conversion into a Goosehead franchise owner.

Quantifiable outcome

• 98% client satisfaction rate
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability5 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• RealtorscoreChannel Partner/ Reseller/ DistributorGoosehead partners with real estate professionals who refer home buyers to Goosehead agents for insurance coverage. Partners benefit from seamless client experience, fast binder issuance, and marketing support including events and data tools.
• Loan OfficerscoreChannel Partner/ Reseller/ DistributorMortgage professionals partner with Goosehead for policy verification and binder services. Goosehead provides Lenderdock portal for self-service policy verification, with dedicated binder team returning changes within 1 hour.
• Insurance Carriers (150+)coreChannel Partner/ Reseller/ DistributorGoosehead partners with 150+ insurance companies nationwide to provide diverse coverage options. Carriers benefit from access to thousands of agents across all 50 states with centralized service and quality control.
• Operation HomefrontminorOthersMilitary support organization partnering with Goosehead to assist veterans and military families.
• Texas Veterans CommissionminorOthersState agency supporting veterans that Goosehead partners with for military recruitment and support.
• Daniel & Salvador Montoya Heroes FoundationminorOthersFoundation supporting military heroes that Goosehead partners with for community support.
• P3 Private Public Partnership Army ReserveminorOthersArmy Reserve partnership program supporting military employment initiatives.
• Military Spouse Employment PartnershipminorOthersProgram supporting military spouse employment that Goosehead participates in for recruitment.
• SalesforcecoreTechnology or IntegrationTechnology partnership integrating Salesforce CRM with Goosehead's platform to provide agents with dynamic analytics dashboards showing real-time pipeline progress, lead conversions, and policies sold.

Scale indicators11 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• Acrisure: Acrisure is one of the largest independent insurance brokerages in the U.S., operating a heavily franchised/partner-led distribution model with broad carrier access — closely comparable to Goosehead's franchise-based agency approach.
• Hub International: Hub International is a leading North American insurance brokerage with multi-line personal and commercial distribution through regional offices — directly comparable to Goosehead's personal lines agency model and regional office expansion.
• Brown & Brown: Brown & Brown is a publicly traded insurance brokerage with a strong retail and personal lines segment that competes with Goosehead for independent agency talent and customer relationships across the U.S.
• AssurePro (Assure Holdings) / Confie: Confie is one of the largest U.S. personal lines insurance brokerages, focused on retail auto and home distribution through a large branch network — a structurally similar agency/distributor model to Goosehead.
• Brightway Insurance: Brightway is a franchise-based independent insurance agency distributing home, auto, and commercial lines across the U.S. — the most structurally similar franchise peer to Goosehead in terms of model, products, and target customer.

Broad incumbents

• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm offering retail brokerage, benefits, and consulting — overlapping with Goosehead on retail personal lines while operating a much broader portfolio.
• Marsh McLennan: Marsh McLennan is the world's largest insurance brokerage and risk advisor — a broad incumbent with retail and personal lines capabilities that overlap with Goosehead's distribution and carrier-relationship model.

Emerging players

• Hippo Insurance: Hippo is an insurtech focused on homeowners insurance with embedded partnerships in the real estate purchase workflow — competing for the same homeowner customer at the same life-event trigger as Goosehead.
• Lemonade: Lemonade is a direct-to-consumer insurtech selling home, renters, pet, and auto insurance through a digital app — competing for Goosehead's personal lines customers via a no-agent, mobile-first model.
• Policygenius (Zillow): Policygenius operates an online insurance marketplace for life, home, and auto coverage that funnels leads to carriers and agents — overlapping with Goosehead's Digital Agent quoting experience and embedded real estate channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/goosehead-insurance

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 Goosehead Insurance Agency