H & H Insurance Services

What H & H Insurance Services does

H+H Insurance Services, Inc. is a privately held insurance brokerage and surety bonding agency founded in 1987 and headquartered in Norcross, Georgia, within the Atlanta metropolitan area. The firm is co-owned by its four founders — Kim Haynes, Michael Jones, Pat Lisk, and Christopher Wortham — all of whom remain in leadership positions nearly four decades after inception. H+H serves more than 150 commercial contractors in the southeast region and across the United States, with a stated sweet spot of contractors whose revenues range from $3 million to $500 million across heavy-civil, general contracting, and specialty trade disciplines.

The company's offering is organized into four core product lines: Surety (bonding placement with all major bonding companies), Business Insurance (commercial coverage across construction, manufacturing, agriculture, architects and engineers, distribution, and healthcare services), Risk Management (risk analysis, contract review, certificate compliance, and claims assistance), and Group Health Plans (employee benefits consulting including health, dental, disability, life, and cafeteria plans as well as succession planning). The firm also holds a strategic partnership with Georgia AgiTrust enabling workers compensation placement for farms. There is no proprietary technology platform; service delivery is consultative and relationship-driven through direct sales by bond professionals.

H+H earns revenue primarily through commissions on insurance policies and surety bonds placed with carriers and bonding companies, with pricing determined per-client by risk assessment and coverage scope. Customer acquisition is sales-led and consultative, relying on the founders' and producers' combined 100+ years of industry experience and long-standing relationships with major bonding companies rather than digital marketing. The firm does not disclose financials, has no external investors, and operates as a stable, founder-owned regional brokerage.

Name

H & H Insurance Services

Legal name

H+H Insurance Services, Inc.

Website

https://h-hinsurance.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

H+H Insurance Services is a privately held, founder-owned insurance brokerage and surety bonding agency founded in 1987, serving 150+ commercial contractors and other mid-market businesses across the southeast United States through four product lines: Surety, Business Insurance, Risk Management, and Group Health Plans.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

akta.pro secondary industries

Basic Group Term Life (Employer-Paid) (FSAIADAA), Group AD&D (Standalone or Bundled with Life) (FSAIADAG)

Keywords

• Commercial insurance brokerage
• Surety bond services
• Construction risk management
• Employee benefits consulting
• Commercial property insurance

Headquarters

HQ city

Norcross

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance and Bonding Commissions: H+H earns commissions from insurance carriers and bonding companies for placing coverage for clients. The company represents over 150 commercial contractors and maintains relationships with all major bonding companies.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels1 record

Core offering

H+H Insurance Services is an independent insurance brokerage and bonding agency that places commercial insurance policies and surety bonds on behalf of business clients. The firm specializes in serving general contractors, heavy-civil primes, and specialty manufacturers with revenues between $3 million and $500 million, and also offers risk management consulting and group health/employee benefits advisory services. The company represents more than 150 commercial contractors and maintains working relationships with all major bonding companies and insurance carriers.

Product overview

H+H Insurance Services offers a portfolio of four core insurance and risk management products. Surety provides bonding services for commercial contractors with access to major bonding markets. Business Insurance delivers coverage across six industry verticals: Construction, Manufacturing, Agriculture, Architects & Engineers, Distribution, and Healthcare Services. Risk Management supports clients with risk analysis, contract review, certificate compliance, and claims assistance. Group Health Plans assists companies with employee benefits packages including health, dental, disability, and life insurance, as well as succession planning products. The company was founded in 1987 and serves clients throughout the United States.

Differentiator

Problem solved

Functional benefit

Products and services

• Surety

Segments8 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Georgia AgiTrustcoreStrategic or Co-development PartnerStrategic partnership with Georgia AgiTrust enables H+H to write workers compensation policies for all types of farms, addressing the specialized agricultural market segment including capital-intensive operations requiring high value structure and equipment coverage.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• RPS (Risk Placement Services): Specialty wholesale broker and managing general agent with deep expertise in surety and construction-related lines. Direct peer to H+H in the surety bond placement workflow for commercial contractors.
• Brown & Riding Insurance Services: Specialty insurance broker focused on construction, surety, and excess & surplus lines. Comparable to H+H in serving construction and specialty contractor clients with hard-to-place risks.
• IMA Financial Group: Large US commercial insurance brokerage with a dedicated construction practice. Direct peer to H+H in serving mid-market contractors with bonding, commercial insurance, and risk management services across multiple industries.
• The Horton Group: Mid-size US insurance brokerage offering commercial, surety, risk management, and employee benefits. Comparable to H+H in scale and product breadth, with a similar consultative, relationship-led approach to mid-market clients.
• McGriff Insurance Services: Southeast US-rooted insurance brokerage (originally McGriff, Seibels & Williams) with deep commercial and surety capabilities. Direct peer to H+H given overlapping geography, construction/specialty contractor book, and full-service brokerage model.
• AssurePartners: Mid-market US insurance brokerage with a focus on construction, surety, and specialty commercial lines. Direct peer to H+H in serving small-to-mid contractors with a relationship-driven, multi-product model.

Broad incumbents

• Acrisure: Large, tech-enabled insurance brokerage with commercial and surety offerings. Broad incumbent peer to H+H, distinguished by scale and a digital platform that contrasts with H+H's traditional brokerage model.
• USI Insurance Services: Large US brokerage with established construction and surety practices. Comparable to H+H as a broader incumbent offering overlapping commercial insurance, surety, and benefits capabilities at greater scale.
• Lockton Companies: World's largest independent insurance brokerage with construction and surety capabilities. Broad incumbent peer to H+H, overlapping on commercial insurance, surety, and risk management for mid-to-large contractors.
• Marsh McLennon: Global insurance brokerage and risk advisory firm with a substantial construction and surety practice. Broad incumbent peer to H+H, operating at a vastly larger scale across overlapping commercial lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 H & H Insurance Services