Horton Group

What Horton Group does

The Horton Group is a full-service insurance brokerage and risk advisory firm founded in 1971 and headquartered in Orland Park, Illinois, operating as a wholly-owned subsidiary of Marsh McLennan Agency LLC following its August 2024 acquisition. The company serves businesses, employers, and individuals across six office locations spanning Illinois, Indiana, Minnesota, Wisconsin, and Florida, with concentrated Midwest density supplemented by national reach through the Marsh & McLennan network. Its core offerings span commercial property and casualty insurance, workers compensation, cyber liability, professional liability, employee benefits consulting, personal lines, and personal high-net-worth coverage, paired with risk advisory services including claims advocacy, surety bonding, captive insurance, and safety consulting.

The technology stack combines a proprietary Predictive Safety Analytics platform (claimed 87% accuracy for workplace injury prediction based on compiled safety observations) with the SAFE Assessment framework, HortonConnect certificate management portal, and integrations with TrustLayer, ThinkHR/Mineral, MyWave, Employee Navigator, CSR24, ePayPolicy, and the Succeed risk management platform. Go-to-market is enterprise field sales with a consultative, relationship-driven approach led by dedicated account executives and risk advisors; revenue is generated primarily through carrier commissions on placed commercial and personal policies, supplemented by fee-based risk management and safety consulting engagements. The firm differentiates on industry specialization (construction, manufacturing, healthcare, trucking, wood products) and an award-winning workplace culture that has supported broker retention over five decades.

Name

Horton Group

Legal name

The Horton Group, Inc.

Website

https://thehortongroup.com

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

251–500 employees

Short description

The Horton Group is a Midwest-based full-service insurance brokerage and risk advisory firm serving businesses, employers, and individuals with commercial P&C, employee benefits, personal lines, and safety consulting; founded in 1971 and now operating as a Marsh & McLennan Agency LLC subsidiary following its August 2024 acquisition.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Employee Benefits Brokerage & Consulting (FSAEADAC)

akta.pro secondary industries

Captive Insurance Advisory & Management (FSAEADAF), Workers’ Compensation for High-Hazard & Specialty Trades (FSAJAEAF)

Keywords

• Commercial insurance brokerage
• Employee benefits consulting
• Risk advisory services
• Safety consulting solutions
• Personal insurance products

Headquarters

HQ city

Orland Park

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Business Insurance Brokerage: Commission-based insurance brokerage services for commercial clients including property & casualty, cyber liability, workers compensation, professional liability, and other business insurance products. Revenue generated through insurance carrier commissions on placed policies.
2. Employee Benefits Consulting: Advisory and brokerage services for employee benefits including group medical, dental, voluntary benefits, retirement plans, and wellness solutions. Revenue through consulting fees and carrier commissions.
3. Personal Insurance Products: Individual and family insurance products including auto, home, life, disability, long-term care, and high net worth specialty coverage.
4. Risk Advisory & Safety Consulting: Fee-based risk management consulting services including safety training, OSHA compliance assistance, predictive analytics, claims advocacy, and risk assessments.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

The Horton Group is a full-service insurance brokerage and risk advisory firm that places commercial insurance, employee benefits, and personal insurance policies on behalf of clients. It bundles these placements with fee-based risk advisory and safety consulting services, including a proprietary predictive analytics platform that forecasts workplace injuries. Operations now extend across six Midwest offices under the Marsh & McLennan Agency LLC umbrella.

Product overview

The Horton Group is a full-service insurance brokerage firm operating as a Marsh & McLennan Agency LLC company, offering an integrated portfolio of business insurance, employee benefits, and personal insurance products. The core offering consists of Business Insurance Products (Property & Casualty, Cyber Liability, Professional Liability, Workers Compensation) paired with Risk Advisory Solutions including Safety Consulting Services featuring Predictive Safety Analytics, Claims Advocacy, Surety Bond Services, and Captives Insurance. Employee Benefits encompasses both insurance products (Group Medical, Dental, Voluntary Benefits) and strategic consulting services including Wellness Solutions, Alternative Funding options (PEO Services, Level Funded Health Plans, Self-Funded Medical Insurance), and Multiemployer Consulting Solutions. Personal Insurance covers Individual Health Protection, Personal Liability Protection, and High Net Worth Insurance offerings. The company also provides industry-specific specializations across Construction, Manufacturing, Healthcare, Trucking, and Wood Products sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Products Commercial insurance placement including Property & Casualty, Cyber Liability, Commercial Automobile, Workers Compensation, Professional Liability, Errors & Omissions, and Fiduciary Liability coverage for mid-market and enterprise businesses.
• Risk Advisory Solutions Risk advisory and consulting services including Risk Control & Transfer, Claims Advocacy, Safety Consulting, Surety Bond Services, Captives Insurance, Certificate Control, and Management Liability Insurance for commercial clients.
• Safety Consulting Services Comprehensive workplace safety consulting covering Safety Observations & Audits, OSHA Compliance Assistance, Safety Training, Safety Program Development, Industrial Hygiene, Transportation Safety, and Pre-Employment Testing for commercial clients.
• Predictive Safety Analytics Proprietary predictive analytics platform that compiles safety observations and audit data to forecast workplace injuries with 87% accuracy and provide actionable risk indicators for commercial clients.
• Claims Advocacy Claims management and advocacy service providing oversight to ensure claims are investigated and benefits paid timely, including carrier coordination and claims file reviews.
• Surety Bond Services Bonding services including Surety Bond Kits and Solar Surety Bonds for contractors and businesses requiring performance bonds.
• Cyber Risk Advisory Solutions Three-tiered cyber risk management approach offering strategies to avoid, control, or transfer cyber risks for commercial clients without disrupting innovation and growth.
• Captives Insurance Alternative risk financing through captive insurance arrangements for businesses seeking more control over their insurance programs.
• Employee Benefits Insurance Group benefits coverage including Group Medical, Dental, Voluntary Benefits, Key Person Life Insurance, Executive Benefits, International Benefits, COBRA Continuation, and FSA/HSA accounts for employer clients.
• Employee Benefits Strategies Strategic benefits consulting including Benefits Planning, Benefits Administration Technology, Pharmacy Benefits Management, Compliance, Employee Benefits Analytics, Claims Administration, Retirement Plans, Wellness Solutions, Group Purchasing, and Alternative Funding for employer clients.
• Multiemployer Consulting Solutions Specialized Taft-Hartley health, retirement, and insurance consulting for multiemployer plans.
• Wellness Solutions Employee wellness services including Population Health Management and Near Site/Onsite Clinic arrangements for employer clients.
• Alternative Funding Self-funded insurance options including Employee Benefits Captives, PEO Services, Level Funded Health Plans, Self-Funded Medical Insurance with Direct Contracting, and Stop Loss Insurance.
• Personal Insurance Products Individual and family insurance products covering Individual Health, Medicare Supplement, Life, Disability, Long Term Care, Auto, Home, Umbrella, Flood, and Recreation coverage for consumers.
• High Net Worth Insurance Comprehensive coverage for affluent individuals including Directors & Officers Liability, Domestic Employees, Buy-Sell Agreements, Valuables, Personal Equine, Wine and Whiskey Collections, Aircraft Liability, and Classic Car Insurance.
• Construction Insurance Specialized coverage for the construction industry including Steel Erectors, Solar Contractors, Concrete Contractors, Horizontal Drilling, Underground Utility, Utility Contractors, and Telecommunication Companies.
• Manufacturing Insurance Coverage for manufacturing operations including Manufacturing & Distribution, Food Processing, Pet Food, Beverage, Bakery, Tortilla, Grain and Oilseed, Sugar, Meat, Chemical, Metal, and Plastic Goods Manufacturing.
• Healthcare Insurance Specialized health and human services coverage including Hospice/Palliative Care and Senior Living Community insurance programs.
• Trucking Insurance Commercial trucking coverage including Tow Truck Insurance for towing businesses.
• Wood Products Insurance Specialized coverage for wood products businesses including Lumber Insurance Program and Sawmill Insurance.

Quantifiable outcome

• Predictive safety analytics platform predicts workplace injuries with 87% accuracy
• +1 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability2 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and supporting.

• Marsh McLennan AgencycoreStrategic or Co-development PartnerMarsh McLennan Agency, a subsidiary of Marsh, completed acquisition of The Horton Group in August 2024. Horton Group is now a Marsh & McLennan Agency LLC Company, providing access to global insurance markets and resources while maintaining local Midwest service delivery and brand presence.
• TrustLayersupportingTechnology or IntegrationTrustLayer compliance platform is integrated into Horton Group's certificate control and process solutions, enabling automated insurance certificate verification and compliance management for clients.
• ThinkHR / MineralsupportingTechnology or IntegrationThinkHR (now Mineral) provides HR knowledge solutions integrated into Horton Group's employee benefits offerings, including ThinkHR Live (HR expert hotline), ThinkHR Comply (compliance resource center), and ThinkHR Learn (training solutions).
• MyWavesupportingTechnology or IntegrationMyWave Elements Portal is integrated into Horton Group's employee benefits administration services, providing clients with one-stop access to benefit plan information, legislative updates, and HR resources.
• CSR24supportingTechnology or IntegrationCSR24 platform enables personal insurance clients to view policies, print auto ID cards, process change requests, notify of claims, and request coverage changes through online portal.
• Employee NavigatorsupportingTechnology or IntegrationEmployee Navigator's benefits administration software is offered to employees of Horton Group's business clients for benefits enrollment, compliance document access, and PTO management.
• ePayPolicysupportingTechnology or IntegrationePayPolicy provides secure online bill payment processing for Horton Group clients, accepting credit card and e-check payments with PCI Level 1 compliance for payment security.
• Succeed Risk Management PlatformsupportingTechnology or IntegrationSucceed platform provides safety library, incident tracking, OSHA 300 log software, training tracking, and behavior-based safety tools for Wisconsin-based commercial clients.

Scale indicators3 records

Expansion highlights5 records

Direct peers

• Hub International: Large North American insurance brokerage serving middle-market commercial, benefits, and personal lines clients across multiple verticals. Directly comparable to Horton in go-to-market (relationship-driven, regional offices) and product breadth.
• Leavitt Group: Privately held insurance brokerage with strong regional and middle-market focus, particularly across the Western U.S. Similar office-network model, vertical specialization, and benefits/employee benefits practice.
• Insurance Office of America: Privately held full-service insurance brokerage serving middle-market commercial clients across multiple U.S. regions. Comparable product breadth (P&C, benefits, personal lines) and regional office model.
• Lockton Companies: Largest independent insurance brokerage globally, with strong middle-market commercial and benefits practices. Comparable operating model to Horton, with similar emphasis on specialty industry expertise and producer-driven growth.
• Marsh McLennan Agency: Direct parent and operating peer; middle-market arm of Marsh McLennan serving commercial and benefits clients through regional offices. Most direct structural comparable to Horton post-acquisition.
• AssuredPartners: National middle-market insurance brokerage formed through acquisition-driven growth strategy. Directly comparable business model and customer segments to Horton, with similar vertical specialization.

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with deep middle-market and specialty practice. Broader scale than Horton but comparable in commercial brokerage model and vertical specialization approach.
• USI Insurance Services: Large middle-market insurance brokerage with deep specialty practice expertise and benefits consulting capabilities. Comparable in vertical specialization strategy and employee benefits practice depth.
• Brown & Brown, Inc. Publicly traded insurance brokerage operating through decentralized regional offices serving middle-market commercial clients. Highly comparable structure to Horton's regional office model with M&A-driven growth strategy.

Emerging players

• World Insurance Associates: Rapidly growing insurance brokerage focused on middle-market commercial and personal lines through acquisitions and organic growth. Comparable to Horton's regional office model and M&A-driven scaling approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/The_HortonGroup
• YouTubeyoutube.com/user/HortonGroup
• Facebookfacebook.com/hortoninsurancegroup
• LinkedInlinkedin.com/company/the-horton-group
• Instagraminstagram.com/thehortongroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 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 Horton Group