Haulers Insurance Company

What Haulers Insurance Company does

Haulers Insurance Company, Inc. (HICI) is a privately held regional property and casualty insurance carrier headquartered at 2504 Keith Dr., Columbia, Tennessee. Founded in 1986 and operating under the motto "Service Second to None," the company underwrites personal and commercial automobile insurance policies for individual consumers and business vehicle owners. Since 2008, HICI has been a subsidiary within the Shelter Insurance group of companies, leveraging the parent's capital base and operational infrastructure; it holds an A.M. Best A (Excellent) financial strength rating and BBB accreditation. The company is Tennessee-domiciled and licensed across Tennessee, Alabama, Georgia, Indiana, Missouri, South Carolina, and Virginia.

HICI distributes its products exclusively through a channel-partner model consisting of approximately 800 professionally owned and operated independent insurance agencies. Pricing is quote-based, billed annually, and not publicly disclosed; revenue is generated through recurring insurance premiums. On the technology side, the company operates a self-service digital surface for existing policyholders: a "Quick Pay" payment flow that allows bill payment by policy number without login, and a "My Haulers Account" customer portal featuring multi-factor authentication and biometric/device-based sign-in. These tools reduce servicing friction for the agent-distributed book but do not appear to extend into underwriting, pricing, or claims automation. Supporting marketing channels include an InsureU educational partnership, a map-based agency locator, and community involvement (United Way, Maury Alliance, APCAI).

The business model is fundamentally a regional auto-focused carrier-as-subsidiary: growth is constrained to organic agency productivity and incremental state footprint, with no external capital raises, M&A activity, AI/ML capabilities, or public financial disclosures evident in the available data.

Name

Haulers Insurance Company

Legal name

Haulers Insurance Company, Inc.

Website

https://haulersinsurance.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Short description

Haulers Insurance Company is a privately held regional auto insurance carrier (founded 1986, Columbia, TN) writing personal and commercial automobile policies through ~800 independent agencies across seven states, operating as a Shelter Insurance subsidiary since 2008.

Ownership category

akta.pro rank

Product category

Auto Insurance

akta.pro primary industry

Roadside Assistance & Towing Memberships (Bundled with Service Contracts) (FSAJALAL)

Keywords

• Personal auto insurance
• Commercial auto insurance
• Property casualty insurance
• Independent insurance agency
• Regional insurance provider

Headquarters

HQ city

Columbia

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, Others

Revenue model

1. Insurance Premiums: Haulers Insurance generates revenue through insurance premiums from personal and commercial automobile insurance policies. The company operates as a regional property and casualty insurance provider, collecting recurring premiums from policyholders.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Haulers Insurance Company underwrites and sells personal and commercial automobile insurance policies as a regional property and casualty carrier. Products are distributed through approximately 800 independent insurance agencies operating in Tennessee, Alabama, Georgia, Indiana, Missouri, South Carolina, and Virginia. The company supports policyholders with self-service digital tools including online bill payment (Quick Pay) and an authenticated customer account portal (My Haulers Account).

Product overview

Haulers Insurance Company is a regional property and casualty insurance provider offering personal and commercial automobile insurance products through approximately 800 independent insurance agencies across seven states (Tennessee, Alabama, Georgia, Indiana, Missouri, South Carolina, and Virginia). The company operates as part of the Shelter Insurance group and provides digital self-service tools including an online Quick Pay system for bill payment and a customer portal (My Haulers Account) for policy management. Founded in 1986 and rated A (Excellent) by A.M. Best, the company focuses exclusively on automobile insurance rather than offering a multi-product platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Automobile Insurance Personal auto insurance coverage for individual vehicle owners, including liability, collision, and comprehensive protection, sold through a network of approximately 800 independent insurance agencies across Alabama, Georgia, Indiana, Missouri, South Carolina, Tennessee, and Virginia.
• Commercial Automobile Insurance Commercial vehicle insurance products for businesses, including coverage for commercial fleets, business vehicles, and commercial liability protection, distributed through independent agency partners across Haulers Insurance's seven-state operating region.

Quantifiable outcome

• A.M. Best A (Excellent) rating for financial strength and reliability

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core and flagship.

• InsureUcoreGTM or Marketing PartnerInsureU is an unbiased educational resource partner that helps people become more knowledgeable about a wide range of insurance issues. HICI displays the InsureU logo on their website, indicating a marketing and education partnership to drive consumer awareness.
• Independent Insurance AgenciesflagshipChannel Partner/ Reseller/ DistributorApproximately 800 professionally owned and operated independent insurance agencies represent HICI today. These agencies provide HICI insurance products to customers with exceptional service and advice, functioning as the primary distribution channel for the company.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Shelter Insurance: Parent company of Haulers Insurance since 2008, Shelter Insurance is a mutual P&C carrier selling personal and commercial insurance through independent agents across the Midwest and South. Same independent-agency distribution model and overlapping regional footprint make it the closest comparable.
• Erie Insurance: Regional P&C insurer selling personal and commercial auto and property coverage through a network of independent agents across the Midwest, Mid-Atlantic, and Southeast. Closely mirrors Haulers' independent-agency model and auto-insurance-centric product mix in overlapping states.
• Auto-Owners Insurance: Mid-sized mutual P&C insurer distributing personal and commercial insurance exclusively through independent agents. Comparable regional, agency-driven model and similar product emphasis on personal and commercial auto.
• Farm Bureau Insurance: Network of regional Farm Bureau mutual P&C insurers selling personal and commercial auto and farm coverage through captive/independent agents across the Midwest and South. Overlaps with Haulers on product mix and Southeast/Midwest geography.

Regional players

• Tennessee Farmers Mutual Insurance: Tennessee-headquartered regional mutual P&C insurer focused on personal lines including auto, sold through independent agents in Tennessee and neighboring states. Direct overlap on Haulers' home state and product focus.

Broad incumbents

• State Farm: Largest U.S. personal lines P&C carrier with a massive captive-agent network and significant personal auto market share nationwide. Competes head-to-head with Haulers in every operating state for personal auto.
• GEICO: National personal auto specialist owned by Berkshire Hathaway, selling primarily direct-to-consumer. Competes for the same personal auto policyholders as Haulers but with substantially greater scale and digital marketing spend.
• Progressive: Top U.S. personal auto insurer with a strong direct-to-consumer digital channel and agent-sold offerings. Competes for both personal and commercial auto in Haulers' operating states, with materially larger technology investments.
• Allstate: National P&C carrier with strong auto franchise sold through captive and independent agents. Direct competitor for personal and commercial auto across Haulers' 7-state footprint, with significantly larger brand and capital base.
• Nationwide: Large national P&C and auto insurer with independent-agent and direct distribution. Competes for personal and commercial auto across the Midwest and Southeast where Haulers operates, with broader product and geographic diversification.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

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 Haulers Insurance Company