bolt agency

What bolt agency does

bolt agency is an independent insurance agency and multi-carrier brokerage platform operating under the boltinc.com parent technology platform. Founded in 2012 to serve small business owners whom traditional agents often could not accommodate, the company has expanded into a broad insurance marketplace offering personal lines (auto, home, renters, motorcycle, ATV, boat, jet ski, RV, classic car, flood, earthquake, pet, and jewelry coverage) and commercial lines (general liability, BOP, workers comp, commercial auto, commercial umbrella, professional liability, cyber liability, and E&O). It also operates 30+ industry-specific verticals including IT consulting, accounting, architecture, food services, cleaning, landscaping, salons, and pet care.

The underlying platform enables side-by-side comparison of quotes across 25+ national carriers — including tier-one names such as Progressive, The Hartford, Chubb, Liberty Mutual, Nationwide, Hiscox, Travelers, and CNA, alongside insurtech entrants like Lemonade, Next Insurance, Clearcover, and Coterie. Agents are licensed in all 50 states, and the company operates from a headquarters in Farmington, CT with an additional address in Austin, TX. Distribution is primarily direct-to-consumer via online quoting (quote.boltinsurance.com for personal lines, d2capi.boltinc.com for commercial), toll-free phone sales, and email.

The business model is commission-based: bolt agency earns referral and agency commissions from carrier partners on each policy written, with no subscription or fee-for-service revenue stream disclosed. Pricing is quote-based and varies by customer risk profile, coverage, carrier, and state. The customer base spans individual consumers, micro-businesses, SMBs, and startups across more than a dozen industries, with no enterprise anchor accounts and no publicly disclosed revenue or funding figures. The company is privately held with no disclosed ownership beyond the boltinc.com holding entity.

Name

bolt agency

Legal name

bolt agency

Website

https://agency.boltinsurance.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

bolt agency is an independent, multi-carrier insurance brokerage licensed in all 50 states, distributing personal and commercial insurance (plus 30+ industry-specific verticals) from 25+ national carriers to individuals and small businesses via online quoting, phone sales, and licensed in-house agents.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Independent insurance agency
• Multi-carrier insurance brokerage
• Personal and commercial insurance
• Small business insurance
• Insurance quote comparison

Headquarters

HQ city

Farmington

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Insurance commissions: bolt agency earns commissions from multiple national insurance carriers for policies sold to customers. As an independent agency, they represent multiple carriers and earn referral/agency commissions on each policy written.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

bolt agency is an independent insurance brokerage that compares and sells insurance policies from multiple national carriers on behalf of individual consumers and small business owners. Operating through an online quoting platform, toll-free phone line, and licensed in-house agents, the agency offers personal lines (auto, home, renters, specialty vehicles, pet, etc.) and commercial lines (general liability, BOP, workers comp, commercial auto, professional and cyber liability) across all 50 states, earning agency commissions from the carriers it represents.

Product overview

Bolt agency is an independent insurance agency that operates as a multi-carrier insurance comparison and brokerage platform. The company offers a unified service model where customers can compare quotes across multiple national insurance carriers. The product portfolio includes personal insurance products (auto, homeowners, renters, condo, motorcycle, ATV, boat, jet ski, RV, classic car, flood, earthquake, pet, and jewelry insurance) and commercial insurance products (general liability, business owners policy, workers comp, commercial auto, commercial umbrella, professional liability, cyber liability, and errors & omissions insurance). The company also provides industry-specific business insurance for sectors including IT consulting, accounting, architecture, engineering, cleaning, restaurants, retail, and more. Bolt agency differentiates itself through its proprietary platform that enables side-by-side comparison of multiple carriers, in-house service team, and agents licensed in all 50 states.

Differentiator

Problem solved

Functional benefit

Named customers8 records

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

29 partnerships are on record, tiered core and minor.

• The HartfordcoreChannel Partner/ Reseller/ DistributorThe Hartford is one of the largest insurance and investment companies in the United States, providing life insurance, group and employee benefits, automobile and homeowners insurance, and business insurance products through the bolt agency platform.
• ChubbcoreChannel Partner/ Reseller/ DistributorThe 11th largest property and casualty insurer in the United States. Chubb offers businesses more than 170 commercial insurance products, which are innovative, comprehensive and tailored to individual customers.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorProvides commercial specialty insurance products such as Umbrella Insurance and Excess Casualty insurance policies, as well as National Program insurance coverage designed for niche markets.
• ProgressivecoreChannel Partner/ Reseller/ DistributorOne of the largest commercial vehicle insurance companies in the nation and the #1 truck insurer in America, serving hundreds of thousands of businesses to insure their vehicles.
• NationwidecoreChannel Partner/ Reseller/ DistributorNational insurance carrier providing a wide range of insurance products through independent agents.
• HiscoxcoreChannel Partner/ Reseller/ DistributorSpecialist insurer providing customized insurance for small professional services businesses. Operating for over 100 years with an A (Excellent) financial strength rating from A.M. Best.
• ForemostcoreChannel Partner/ Reseller/ DistributorLeading insurer since 1952 offering auto, home, umbrella, manufactured home, motor home, travel trailer, and collectible auto insurance programs.
• Main Street AmericacoreChannel Partner/ Reseller/ DistributorProperty and casualty insurance products in 36 states, surety bonds in 46 states, writing nearly $1 billion in premium annually. Rated A (Excellent) by A.M. Best.
• Bristol West AutominorChannel Partner/ Reseller/ DistributorAuto insurance carrier partner providing coverage options through the bolt platform.
• Clearcover AutominorChannel Partner/ Reseller/ DistributorAuto insurance carrier partner providing coverage options through the bolt platform.
• CoterieminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing business and personal insurance products.
• GeoveraminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• BiBerkminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• EncompassminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorPart of Liberty Mutual, providing personal insurance products through independent agents.
• StillwaterminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• Kemper AutominorChannel Partner/ Reseller/ DistributorAuto insurance carrier partner providing coverage options through the bolt platform.
• Kemper PreferredminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• BamboominorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• CNAcoreChannel Partner/ Reseller/ DistributorMajor commercial insurance carrier providing business insurance products.
• EmployersminorChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier partner providing coverage options through the bolt platform.
• MarkelminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• AmTrustminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• Plymouth RockminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• Embrace PetminorChannel Partner/ Reseller/ DistributorPet insurance carrier partner providing coverage options through the bolt platform.
• Foremost ChoiceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• LemonademinorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.
• Next InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the bolt platform.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• The Zebra: Digital insurance comparison marketplace allowing consumers to compare auto, home, and other insurance quotes from multiple carriers. Direct peer to bolt agency on the multi-carrier comparison model, though primarily focused on personal lines.
• Policygenius: Online insurance marketplace comparing multiple carriers across life, home, auto, and disability insurance with licensed agent support. Highly comparable to bolt agency in combining digital comparison with licensed agent service.
• Insurify: Insurance comparison platform letting users compare quotes from multiple carriers side-by-side, primarily in personal lines. Competes directly with bolt agency's online quoting and multi-carrier comparison experience.
• SmartFinancial: Online insurance agency comparing quotes from multiple carriers across personal and commercial lines. Closely aligned with bolt agency's direct-to-consumer multi-carrier model.
• CoverWallet: Digital commercial insurance broker (acquired by Aon) focused on small business insurance across multiple carriers. Comparable to bolt agency's commercial lines offering and industry-specific approach.

Broad incumbents

• Trusted Choice: National network of independent insurance agents representing multiple carriers. Provides branding, technology, and carrier access to a large base of independent agencies like bolt agency.
• NerdWallet: Consumer finance content and comparison platform with a sizable insurance comparison vertical. Competes with bolt agency for organic search-driven insurance shoppers across personal lines.

Emerging players

• Next Insurance: Digital-native carrier and SMB-focused commercial insurance provider. Both a carrier partner of bolt agency and a direct competitor in the small business insurance space.
• Lemonade: Direct-to-consumer insurtech offering renters, home, auto, and pet insurance. Listed as a bolt agency carrier partner, but also a direct competitor via its native digital channel.
• Gabi (now part of Experian): Insurance comparison platform that matches customers with carriers for personal lines. Comparable to bolt agency's multi-carrier comparison model in personal auto and home.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bolt_agency
• Facebookfacebook.com/boltinsuranceagency
• LinkedInlinkedin.com/company/bolt-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

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 bolt agency