HDI

What HDI does

HDI (doing business as Harry Daniel Insurance) is a privately held, family-owned independent insurance agency founded in 1977 by Harry Daniel Jr. in Cartersville, Georgia, and now operated by his sons Lee and Richard Daniel. The agency represents more than 150 insurance carriers and is licensed across nine U.S. states (Alabama, Arkansas, Florida, Georgia, North Carolina, North Dakota, South Carolina, Tennessee, and Texas), serving individual consumers and small-to-medium businesses across personal lines (auto, home, life, health, Medicare supplements, recreational vehicles, umbrella), commercial lines (BOP, workers compensation, commercial auto/property, general liability, cyber, D&O, E&O, professional liability), specialty verticals (churches, restaurants, contractors, nonprofits, schools, social services), life and health benefits, special event coverage, and surety bonds. Its go-to-market is sales-led, with licensed agents delivering coverage recommendations via in-person consultations, phone, and online quote forms generated through hdins.com, earning recurring revenue through carrier commissions tied to written premiums.

HDI's technical footprint is limited and conventional for a regional agency: a website supporting product information and online quote requests, a back-office agency operations platform for quote generation, policy management, and customer service, and a proprietary web-based "Risk Management Center" that provides OSHA-compliant safety training, a searchable risk management library, certificate-of-insurance management, and incident tracking for commercial clients. The agency is also a member of Trusted Choice, a national network of independent insurance agencies, which provides branding, marketing resources, and referral access. Distribution is exclusively through the in-house agent channel; there are no disclosed APIs, SDKs, mobile applications, third-party integrations, or AI-driven automation in the product set.

Revenue is generated entirely through carrier commissions on premiums placed, classified as recurring subscription-like income contingent on policy renewal, with pricing determined carrier-side and billed monthly. The firm's growth posture is incremental rather than aggressive — there are no funding rounds, no acquisitions, no executive hires, and no disclosed capital infusions in the available record. Customer segments are diversified across individuals and SMBs in multiple verticals, with no observable concentration in any single named customer or end market.

Name

HDI

Legal name

Harry Daniel Insurance

Website

https://hdins.com

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

11–50 employees

Short description

HDI (Harry Daniel Insurance) is a privately held, family-owned independent insurance agency founded in 1977 in Cartersville, Georgia, serving individuals and small-to-medium businesses across nine U.S. states through 150+ carrier partnerships, with multi-line coverage spanning personal, commercial, life, health, specialty, and bond products.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

High-Deductible Health Plans (HDHP) with HSA-Eligible Coverage (FSAIAFAM), Claims Handling, Documentation & Dispute Resolution Services (HSAKANAI), Individual & Family HSA-Qualified HDHP Plans (HLAEABAG)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial business insurance
• Life and health insurance
• Risk management services

Headquarters

HQ city

Cartersville

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Carrier Commissions: HDI earns commissions from insurance carriers for policies placed on behalf of clients. As an independent agency representing multiple insurance companies, they receive commission payments based on premiums written. Revenue is recurring as long as client policies remain active and renew.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

HDI is an independent insurance agency that places and services personal, commercial, life, health, special event, and surety bond coverage on behalf of clients by shopping across more than 150 insurance carriers. The agency earns commissions from carriers for policies written and renewed, providing consultative sales through licensed agents supported by a proprietary Risk Management Center platform for OSHA compliance, safety training, and certificate of insurance management.

Product overview

Harry Daniel Insurance (HDI) is an independent insurance agency representing multiple insurance companies, offering a comprehensive portfolio of personal, commercial, life, health, and specialty insurance products. The agency provides Personal Insurance (auto, home, boat, flood, motorcycle, umbrella, recreational vehicles, renters, Medicare supplements), Business Insurance (BOP, commercial auto/property, contractors, cyber liability, D&O, E&O, farm, general liability, workers comp, restaurant, nonprofit, school, social services), Life and Health Insurance (term/whole/universal life, individual/group health, vision, dental, HSA), Special Event Insurance through TotalEvent, Bond Insurance (contract, subdivision, license, court), and a proprietary Risk Management Center platform for OSHA compliance and safety management. The agency partners with over 150 insurance markets to provide competitive pricing and broad product choice.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Coverage for individuals and families including auto, homeowners, boat and watercraft, flood, motorcycle, umbrella, recreational vehicles, renters, and Medicare supplements, placed through HDI's network of 150+ carrier markets.
• Business Insurance Commercial coverage including Business Owners Policy (BOP), commercial auto, commercial property, contractors, cyber liability, Directors & Officers, Errors & Omissions, farm and ranch, general liability, group health, group life, professional liability, restaurant, workers compensation, commercial umbrella, nonprofit, school, and social services insurance, placed through HDI's network of carrier markets.
• Life and Health Insurance Individual and group life insurance (term, whole, universal), individual health insurance, and employee benefits including vision, dental, and health savings accounts.
• Special Event Insurance Coverage for special events including event cancellation, special event liability, weather insurance, prize indemnity, and musical instrument coverage, facilitated through TotalEvent.
• Bond Insurance Surety bonds including contract bonds (bid, performance, payment, maintenance, supply), subdivision bonds, commercial surety, license and permit bonds, and court bonds.
• Risk Management Center A web-based risk management and safety platform enabling clients to reduce total cost of risk, improve loss control and prevention, and meet OSHA compliance requirements; includes searchable policy library, online training programs, incident tracking, and certificate of insurance management.

Quantifiable outcome

• 45+ years of continuous operation as an independent insurance agency

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Trusted ChoicecoreGTM or Marketing PartnerTrusted Choice is a national network of independent insurance agencies. HDI has been a member since at least 2013, gaining access to the Trusted Choice brand, marketing resources, and referral network. The affiliation commits HDI to specific service standards including returning calls promptly, providing competitive pricing through multiple carriers, and offering advocacy.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• The Plexus Groupe: Mid-size independent insurance brokerage and risk management firm serving commercial and personal lines across the Midwest and beyond. Comparable to HDI in its multi-carrier independent agency model, vertical packaging for niche industries, and emphasis on risk management advisory services for SMB clients.
• Heffernan Insurance Brokers: Large independent insurance brokerage headquartered in California serving commercial and personal lines nationwide. Comparable to HDI in its independent multi-carrier distribution model, SMB focus, and specialty verticals, though at significantly larger scale.
• Woodruff-Sawyer & Co. West Coast-based independent insurance brokerage offering commercial and personal lines with deep specialty expertise. Comparable to HDI in its independent broker model and emphasis on tailored solutions for niche industries.
• The Crichton Group: Nashville-based independent insurance and risk management firm serving middle-market commercial clients across the Southeast. Comparable to HDI in its regional Southeast footprint, independent agency structure, and risk management service emphasis.
• Parker, Smith & Feek: Pacific Northwest-based independent insurance brokerage and risk management firm serving middle-market commercial clients. Comparable to HDI in its multi-carrier independent agency model, employee benefits offerings, and risk management advisory services.
• Brown & Riding Insurance Services: Specialty wholesale insurance brokerage providing tailored coverage for niche commercial risks. Comparable to HDI in its focus on specialty/non-standard insurance needs that mainstream carriers underserve, though operating on the wholesale rather than retail side.

Broad incumbents

• HUB International: Large North American insurance brokerage providing personal, commercial, and employee benefits products across the US and Canada. Comparable to HDI in its independent agency business model and product breadth, though at much greater scale and PE-backed.
• Marsh McLennan Agency: Middle-market insurance brokerage arm of Marsh McLennan serving SMB and mid-market commercial clients. Comparable to HDI in its multi-line commercial brokerage focus and Southeast US presence, though operating as a national platform.

Others

• Assurex Global: Network of privately-held insurance brokers sharing best practices and carrier access. Comparable to HDI in its model of an independent agency leveraging aggregated carrier relationships, though organized as a network rather than a single agency.

Emerging players

• Insuritas: Insurance agency-as-a-service provider embedding insurance distribution into bank and credit union channels. Comparable to HDI as a competing distribution model for personal and small commercial lines, though technology-led rather than relationship-led.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/HarryDanielInsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 HDI