Comma Insurance
Comma Insurance is a privately held, independent insurance agency founded in 2014 in Oklahoma City that shops 20+ carriers to place personal and commercial insurance (auto, home, life, commercial, specialty) for individual consumers and small businesses across 48 states.
- Company typePrivate
- Founded2014
- HeadquartersOklahoma City, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Comma Insurance does
Comma Insurance is a privately held independent insurance agency headquartered in Oklahoma City, Oklahoma, founded in 2014 (originally as TrustPoint Insurance, rebranded to Comma Insurance in December 2020). The firm operates as an intermediary between customers and a broad panel of 20+ insurance carriers — including Progressive, Travelers, Nationwide, Mercury, Foremost, The Hartford, Safeco, Geico, Palomar, Hippo, Openly, Branch, National General, and the Hartville Pet Insurance Program — earning referral and override commissions on policies written and renewed. It holds insurance producer licenses in 48 US states and operates 35+ physical agency locations.
The agency's product portfolio spans personal lines (auto, homeowners, earthquake, flood, personal liability, life, umbrella, pet) and commercial lines (commercial auto, general liability, property & casualty, BOP, workers compensation, cyber & specialty). Distribution combines licensed independent agents engaging customers via phone, email, online chat, video, and in-person consultation, supplemented by a 24/7 Online Client Center portal (portalv01.csr24.com) and iOS/Android mobile apps for policy self-service. The core technology layer is a CRM plus carrier-integration tooling used to shop multiple carriers and bind coverage; there is no disclosed AI/ML capability. Marketing is content-driven through an SEO-optimized educational blog, active social channels (Facebook, LinkedIn, Twitter), and prominently featured customer testimonials naming individual advisors.
Comma monetizes through standard insurance agency commission economics: per-policy commissions on new business plus recurring override commissions on renewals, with bundle discounts available for multi-line accounts. The customer base is dominated by individual consumers and families, with a secondary small-business segment and niche segments such as rideshare drivers and homeowners in severe-weather regions. The agency retained Big 'I' Best Practices Agency status continuously from 2019 through 2021 and more than doubled its business over that period under CEO Timothy Harlin, making it one of the fastest-growing independent agencies during that window per the trade press. The agency has also begun offering agency-ownership opportunities to top-producing loan originators, extending its distribution model beyond direct hires.
Comma Insurance firmographics
Firmographics- Name
- Comma Insurance
- Legal name
- Comma Insurance
- Website
- https://commainsurance.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Comma Insurance is a privately held, independent insurance agency founded in 2014 in Oklahoma City that shops 20+ carriers to place personal and commercial insurance (auto, home, life, commercial, specialty) for individual consumers and small businesses across 48 states.
- Ownership category
- akta.pro rank
Comma Insurance industry classification
Industry- Product category
- Independent Insurance Agency
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
- akta.pro secondary industries
- Personal Auto Insurance (FSAJAMAA), Commercial General Liability (CGL) (FSAJADAA), First-Party Cyber (Breach Response, Forensics, Notification, Credit Monitoring) (FSAJAOAF), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)
Keywords
Where Comma Insurance is headquartered
LocationHeadquarters
- HQ city
- Oklahoma City
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Comma Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Policy Commissions: Comma Insurance earns commissions from multiple insurance carrier partners (Progressive, Travelers, Nationwide, Mercury, Foremost, Hippo, The Hartford, Geico, Palomar, Safeco, Openly, Branch, National General, and others) for each insurance policy sold and renewed. As an independent agency, they represent multiple carriers and earn referral/override commissions from carriers based on volume and retention.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Insurance policies are custom-quoted based on individual risk profiles and coverage needs |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Comma Insurance product offering
Product offeringCore offering
Comma Insurance is an independent insurance agency that shops multiple insurance carriers on behalf of customers to find and match the right coverage at the right price. Licensed agents offer both personal lines (auto, homeowners, earthquake, flood, personal liability, life) and commercial lines (commercial auto, general liability, property & casualty, BOP, workers comp, cyber & specialty) across 48 states, supported by an online client portal and mobile app for self-service. Revenue is generated through carrier commissions earned on policies sold and renewed across the agency's 20+ carrier partnerships.
Product overview
Comma Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The company operates as an insurance broker/advisor model, working with 20+ insurance carriers to match customers with appropriate coverage. Core personal insurance products include Auto, Homeowners, Earthquake, Flood, Personal Liability, and Life Insurance. Commercial insurance offerings include Commercial Auto, General Liability, Property & Casualty, Business Owner Policy (BOP), Workers Comp, and Cyber & Specialty Insurance. The company supplements its insurance offerings with digital service platforms including an Online Client Center portal (accessible 24/7) and mobile applications for Apple and Android. Additional products include pet insurance through Hartville and umbrella liability coverage. The company was rebranded from TrustPoint to Comma Insurance in December 2020 and has grown to 35+ locations across the US since its founding in 2014.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance
Quantifiable outcome
- More than doubled business from 2019 to 2021
- +1 more outcomes
Companies that use Comma Insurance
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles4 records
Comma Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Comma Insurance partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- Progressive InsurancecoreProgressive Insurance is one of the personal auto insurance carriers that Comma Insurance shops on behalf of customers. As an independent agency, Comma acts as a distribution partner for Progressive, offering their auto insurance products alongside multiple other carriers.
- Travelers InsurancecoreTravelers Insurance is featured as a carrier partner whose products Comma Insurance offers to customers seeking homeowners and auto coverage. Comma serves as a distribution channel for Travelers products.
- NationwidecoreNationwide insurance products including auto and homeowners coverage are offered through Comma Insurance's independent agency platform, expanding customer choice among top national carriers.
- Mercury InsurancecoreMercury Insurance is listed among Comma's carrier partners, providing competitive auto and homeowners insurance options through the independent agency channel.
- Foremost InsurancecoreForemost Insurance (a subsidiary of Farmers Insurance) is one of the carriers Comma Insurance works with, offering specialized coverage options for various insurance needs.
- The HartfordcoreThe Hartford is a carrier partner whose homeowners and auto insurance products are available through Comma Insurance's independent agency model.
- Hippo InsuranceminorHippo Insurance is a modern home insurance carrier partner that Comma Insurance includes among their coverage options for homeowners insurance.
- Palomar Specialty InsuranceminorPalomar Specialty Insurance provides specialized earthquake and specialty coverage options through Comma Insurance's platform, addressing niche coverage needs in earthquake-prone regions.
- Safeco InsurancecoreSafeco Insurance (part of Liberty Mutual) products are offered through Comma Insurance, providing customers access to auto, home, and umbrella coverage options.
- Openly InsuranceminorOpenly Insurance is a modern homeowners insurance carrier partner offering innovative coverage options through Comma Insurance's independent agency platform.
- Branch InsuranceminorBranch Insurance provides homeowners and auto bundling options through Comma Insurance's carrier network, offering competitive rates for combined coverage.
- National General InsurancecoreNational General Insurance (Nat Gen) products including auto and homeowners coverage are available through Comma Insurance's independent agency distribution model.
- Hartville Pet Insurance ProgramminorComma Insurance offers pet insurance through the Hartville Pet Insurance Program, providing customers with preventative care policies and emergency coverage options with up to 10% multi-pet discounts.
- BIG 'I' (Independent Insurance Agents & Brokers of America)coreComma Insurance is a member and Best Practices Agency of the Independent Insurance Agents & Brokers of America (Big 'I'), the nation's oldest and largest national association of independent insurance agents representing more than 25,000 agency locations. Membership provides access to industry research, best practices, and carrier relationships.
Scale indicators4 records
Recent moves7 records
Expansion highlights6 records
Comma Insurance competitors and assessment
Company assessmentDirect peers
- Brightway Insurance: Brightway is a franchise-based independent insurance agency chain offering personal and commercial lines across multiple states. Its franchisee-owner model and carrier-agnostic approach closely mirror Comma's agent-owner strategy and multi-carrier distribution.
- Goosehead Insurance: Goosehead Insurance operates an independent insurance agency platform that distributes personal lines through licensed agents across multiple U.S. states, partnering with numerous carriers. It is the closest publicly traded comparable to Comma given the multi-carrier agency model, customer experience focus, and rapid franchise/agent expansion strategy.
Broad incumbents
- Brown & Brown, Inc. Brown & Brown is a large publicly traded insurance brokerage distributing personal and commercial lines through regional offices across the U.S. It is a scaled incumbent competing for the same SMB and mid-market insurance customers via independent-agent distribution.
- Integrity Marketing Group: Integrity is a leading independent distributor of life, health, and annuity insurance with growing P&C operations. It acquires and partners with independent agents and agencies nationally, directly competing for agency-owner talent and consolidation opportunities in the same independent distribution channel as Comma.
- Hub International: Hub International is a large North American insurance brokerage distributing personal and commercial lines through regional offices. It overlaps with Comma in commercial SMB and personal lines segments across many of the same states.
- Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm serving commercial clients across all 50 states. It competes with Comma in the commercial lines segment (BOP, GL, workers comp, commercial auto) for small and mid-market businesses.
- Marsh McLennan: Marsh McLennan is the world's largest insurance broker and risk advisor, with substantial commercial and personal lines distribution. While focused more on enterprise and specialty, it competes indirectly with Comma for commercial accounts and carrier-relationship leverage.
- Acrisure: Acrisure is one of the largest independent insurance brokers in the world, distributing personal, commercial, and specialty lines through a federated agency network. Its roll-up acquisition strategy targets the same pool of high-performing independent agencies that Comma represents.
Emerging players
- SelectQuote: SelectQuote is an online distributor of insurance products (primarily life and senior health) using a lead-generation and multi-carrier comparison model. It competes with Comma in the consumer life and home insurance shopping journey via digital channels.
- EverQuote: EverQuote operates an online insurance marketplace that connects consumers with agents and carriers, including auto and home insurance. It represents an alternative, digital-first distribution channel competing with Comma for the same consumer insurance-shopping demand.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Comma Insurance social profiles
Digital presenceComma Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Comma Insurance leadership team
Management profileNumber of profiles
Profiles2 records
Comma Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Comma Insurance 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 Comma Insurance
What does Comma Insurance do?
Comma Insurance is an independent insurance agency that shops multiple insurance carriers on behalf of customers to find and match the right coverage at the right price. Licensed agents offer both personal lines (auto, homeowners, earthquake, flood, personal liability, life) and commercial lines (commercial auto, general liability, property & casualty, BOP, workers comp, cyber & specialty) across 48 states, supported by an online client portal and mobile app for self-service. Revenue is generated through carrier commissions earned on policies sold and renewed across the agency's 20+ carrier partnerships.
Is Comma Insurance a public or private company?
Comma Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Comma Insurance founded?
Comma Insurance was founded in 2014. It employs 51 to 100 people.
Where is Comma Insurance based?
Comma Insurance is headquartered in Oklahoma City, United States, in the North America region.
How does Comma Insurance make money?
One revenue line is on record: insurance Policy Commissions.
Who are Comma Insurance's main competitors?
Direct peers on record are Brightway Insurance and Goosehead Insurance. Broad incumbents are Brown & Brown, Inc., Integrity Marketing Group, Hub International, Arthur J. Gallagher & Co., Marsh McLennan and Acrisure. Emerging players are SelectQuote and EverQuote.
Does Comma Insurance have an API?
No public API is recorded for Comma Insurance.
What industry is Comma Insurance in?
Comma Insurance's product category is Independent Insurance Agency. Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage, with a secondary code of FSAJAMAA, Personal Auto Insurance. Its NAICS code is 524210 and its SIC code is 6411.