Stillwater
Stillwater Insurance Group is a privately held US property and casualty carrier serving consumers and small businesses in all 50 states with home, auto, renters, condo, landlord, umbrella, and Business Owners Policy products, distributed through direct digital channels, phone, and a nationwide independent agent network.
- Company typePrivate
- Founded2000
- HeadquartersJacksonville, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Stillwater does
Stillwater Insurance Group is a US property and casualty insurance carrier headquartered in Jacksonville, Florida, operating through three wholly-owned Florida-domiciled entities: Stillwater Insurance Company, Stillwater Property and Casualty Insurance Company, and Stillwater Insurance Services, Inc. The company was founded in 2000 as the Fidelity National Property and Casualty Insurance Group, a division of Fidelity National Financial (FNF), and was spun off in May 2012 when an investor group led by current President and CEO Mark Davey acquired 85% of FNF's P&C operations; the remaining 15% was purchased in June 2016. Stillwater employs more than 250 people across offices in Jacksonville (FL), Jericho (NY), and Omaha (NE), and distributes a portfolio of personal and small-commercial insurance products — Home, Auto, Renters, Condo, Landlord, Umbrella, and Business Owners Policy (BOP) — to customers in all 50 US states.
The company's technology platform centers on a digital insurance policy management stack comprising a web-based quoting system that generates personalized quotes in 2-4 minutes, a customer self-service portal for policy management, payments, and document access, and iOS/Android mobile applications for claims submission and policy servicing. Distribution is multi-channel: direct online and mobile self-service, telephone sales with dedicated specialists (including a dedicated umbrella line), 24/7 first-notice-of-loss claims reporting, and a nationwide network of independent insurance agents accessible through an online agent finder and a dedicated agent sales portal. The company has additionally entered embedded insurance via a partnership with Zolve/Fletch to distribute renters coverage through a fintech ecosystem.
Stillwater generates revenue primarily through recurring insurance premiums collected monthly or annually across its personal and commercial lines, with pricing determined by quote-based risk evaluation, coverage limits, and deductibles. Multi-policy bundling discounts (e.g., auto + home, auto + renters) drive cross-sell economics. The company does not publicly disclose revenue, has no disclosed external funding rounds, and operates with strong but not top-tier financial strength ratings: AM Best B++ (Good), Demotech A (Exceptional), and Better Business Bureau A+. Customer satisfaction signals are strong, with 4.5/5 stars across 10,100+ documented responses and a 90% recommendation rate, though no AI/ML capabilities, patents, or proprietary technology differentiators are disclosed in the source data.
Stillwater firmographics
Firmographics- Name
- Stillwater
- Legal name
- Stillwater Insurance Group
- Website
- https://stillwaterinsurance.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Stillwater Insurance Group is a privately held US property and casualty carrier serving consumers and small businesses in all 50 states with home, auto, renters, condo, landlord, umbrella, and Business Owners Policy products, distributed through direct digital channels, phone, and a nationwide independent agent network.
- Ownership category
- akta.pro rank
Stillwater industry classification
Industry- Product category
- Personal Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Standalone Umbrella Liability (FSAJANAE)
Keywords
Where Stillwater is headquartered
LocationHeadquarters
- HQ city
- Jacksonville
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Stillwater business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Property and Casualty Insurance Premiums: Stillwater generates revenue through insurance premiums from personal insurance products (home, auto, renters, condo, landlord, umbrella) and commercial products (Business Owners Policy). Premiums are collected on a recurring basis (monthly or annual payment terms) and represent the primary revenue stream.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Renters insurance available for approximately a few dollars per week on average |
| Subscription | Annual | Umbrella insurance limits range from $1 million to $5 million |
| Subscription | Annual | Condo insurance costs range from $150 to $400 per year on average |
| Subscription | Monthly | Renters insurance typically costs $15-$30 per month for basic coverage |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Stillwater product offering
Product offeringCore offering
Stillwater Insurance Group underwrites and sells personal property and casualty insurance products—Home, Auto, Renters, Condo, Landlord, and Umbrella—plus a Business Owners Policy for small businesses (up to 50 employees). Policies are sold across all 50 states through direct digital channels (website and mobile app with 2–4 minute quotes), a dedicated phone sales team with a specialist umbrella line, and a nationwide independent agent network, with 24/7 claims reporting and self-service policy management.
Product overview
Stillwater Insurance Group offers a suite of personal insurance products (Home, Auto, Renters, Condo, Landlord, and Umbrella Insurance) and a growing line of commercial products (Business Owners Policy). The personal insurance portfolio allows customers to bundle multiple policies for multi-policy discounts, while the BOP provides bundled property, income, and liability coverage for small businesses. The company operates across all 50 states, serving customers through digital channels, agents, and embedded distribution partnerships.
Differentiator
Problem solved
Functional benefit
Products and services
- Home Insurance
Quantifiable outcome
- 4.5 out of 5 stars customer satisfaction rating based on 10,100 responses with 90% recommendation rate
- +2 more outcomes
Companies that use Stillwater
Customer profileNamed customers8 records
Segments7 records
Ideal customer profiles7 records
Stillwater technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Stillwater partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ZolveminorStillwater partnered with Fletch for renters coverage distribution through Zolve's fintech ecosystem. Zolve serves as a fintech ecosystem partner enabling embedded insurance distribution for international students and immigrants seeking financial products including renters insurance.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Stillwater competitors and assessment
Company assessmentDirect peers
- Auto-Owners Insurance: Mid-size mutual P&C carrier offering home, auto, and commercial products through independent agents across the US. Directly comparable as a regional-to-national P&C carrier with similar product breadth and agent-led distribution.
- Erie Insurance: Regional P&C insurer offering home, auto, and commercial coverage through exclusive and independent agents. Comparable in scale, multi-line P&C product mix, and strong customer satisfaction positioning.
- NJM Insurance Group: Mid-size mutual P&C carrier offering personal auto, home, and commercial products across multiple states. Similar mid-tier carrier profile with strong financial ratings and regional-to-national footprint.
- Shelter Insurance: Regional P&C carrier providing home, auto, and commercial coverage through exclusive agents in the central US. Comparable mid-size mutual-style carrier with similar product portfolio and agent-led distribution.
- Farm Bureau Insurance: Multi-state P&C carrier offering home, auto, and commercial products through affiliated agents. Comparable in scale, geographic breadth across multiple states, and agent distribution model.
Emerging players
- Lemonade: Digital-first P&C insurtech offering renters, home, auto, and pet insurance through a mobile app. Comparable in product set (especially renters and home) and digital quoting experience, though serving a younger urban customer base.
- Hippo Insurance: Digital homeowners-focused insurtech selling modernized home insurance with smart home integration. Comparable in digital home insurance positioning and direct-to-consumer motion, though concentrated in home rather than multi-line.
Broad incumbents
- GEICO: One of the largest US personal auto and P&C insurers, owned by Berkshire Hathaway. Overlaps with Stillwater's auto and home lines as a broad incumbent with national direct-to-consumer scale.
- Progressive: Top-3 US personal auto insurer with growing home and commercial P&C businesses. Directly overlaps Stillwater's auto and home products, with materially larger scale and brand spend.
- Allstate: National personal lines P&C leader with home, auto, and umbrella coverage through exclusive agents and direct channels. Comparable product portfolio with significantly larger scale and A financial strength ratings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Stillwater social profiles
Digital presenceStillwater financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stillwater leadership team
Management profileNumber of profiles
Profiles1 record
Stillwater subsidiaries and ownership
Company hierarchySubsidiaries3 records
Stillwater funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stillwater 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 Stillwater
What does Stillwater do?
Stillwater Insurance Group underwrites and sells personal property and casualty insurance products—Home, Auto, Renters, Condo, Landlord, and Umbrella—plus a Business Owners Policy for small businesses (up to 50 employees). Policies are sold across all 50 states through direct digital channels (website and mobile app with 2–4 minute quotes), a dedicated phone sales team with a specialist umbrella line, and a nationwide independent agent network, with 24/7 claims reporting and self-service policy management.
Is Stillwater a public or private company?
Stillwater is a private company. It is classified as management employee owned and is currently operating.
When was Stillwater founded?
Stillwater was founded in 2000. It employs 251 to 500 people.
Where is Stillwater based?
Stillwater is headquartered in Jacksonville, United States, in the North America region.
How does Stillwater make money?
One revenue line is on record: property and Casualty Insurance Premiums.
Who are Stillwater's main competitors?
Direct peers on record are Auto-Owners Insurance, Erie Insurance, NJM Insurance Group, Shelter Insurance and Farm Bureau Insurance. Emerging players are Lemonade and Hippo Insurance. Broad incumbents are GEICO, Progressive and Allstate.
Does Stillwater have an API?
No public API is recorded for Stillwater.
What industry is Stillwater in?
Stillwater's product category is Personal Property and Casualty Insurance. Its primary akta.pro industry code is FSAJANAE, Standalone Umbrella Liability. Its NAICS code is 524126 and its SIC code is 6331.