What Hart Insurance does

Hart Insurance Agency is an independent, family-owned insurance brokerage founded in 1947 and headquartered in Grants Pass, Oregon, with a second office in Medford, Oregon. The agency is licensed in 17 states across the Western, Pacific, and select Midwest/Southeast markets (AK, AR, AZ, CA, CO, HI, ID, KY, NV, OH, OR, PA, TN, TX, UT, WA, WY) and serves clients throughout Southern Oregon and beyond. The agency is owned and operated by the Fralich family, with John Fralich serving as President since acquiring majority ownership in 1984. The agency employs 30+ team members across licensed agents, account managers, and administrative staff.

The agency operates a traditional independent brokerage model, representing 18+ top-rated insurance carriers (including Acuity, Chubb, Liberty Mutual, Travelers, Progressive, Hartford, and others) to match clients with appropriate coverage. Its product portfolio spans three segments: Business Insurance (General Liability, Commercial Property, BOP, Cyber Liability, EPLI, Builders Risk, Surety/Probate Bonds), Employee Benefits (Group Health, Vision, Dental, Voluntary Benefits, Disability), and Personal Insurance (Home, Auto, RV, Medicare, Individual Health, Life). The agency provides one-on-one consultation, claims advocacy, and 24/7 client center access; it does not operate a proprietary technology platform and primarily relies on carrier-provided rating tools and a standard client portal.

Hart Insurance generates revenue through commissions paid by carrier partners on policies sold and renewed. As an independent agency representing multiple carriers, it earns commissions on both new business and renewals across personal, commercial, and group benefits lines. The go-to-market motion is sales-led, relying on licensed agents, direct client relationships, community partnerships, referral programs, and content marketing rather than digital self-service. Customer concentration is diversified across individuals, SMBs, and commercial accounts, with no publicly disclosed revenue figures.

Name

Hart Insurance

Legal name

Hart Insurance Agency

Website

https://hartinsurance.com

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

11–50 employees

Short description

Hart Insurance Agency is an independent, family-owned insurance brokerage founded in 1947 in Grants Pass, Oregon, serving individuals, businesses, and employers across 17 states through licensed agents representing 18+ top-rated carriers.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Business insurance brokerage
• Employee benefits consulting
• Personal insurance solutions
• Multi-carrier insurance broker

Headquarters

HQ city

Grants Pass

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Commissions: The agency generates revenue through commissions paid by insurance carrier partners on policies sold and placed. As an independent agency representing multiple insurance companies, commissions are earned on new business and renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Hart Insurance Agency is an independent insurance brokerage that places business, employee benefits, and personal insurance coverage for clients by matching their needs to policies from multiple top-rated insurance carriers. Licensed agents work one-on-one with individuals, families, and businesses across Southern Oregon and 13+ states to assess risk, recommend coverage, place policies, and provide ongoing service including claims advocacy. The agency earns commissions from carrier partners on new and renewed policies.

Product overview

Hart Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products organized into three main categories: Business Insurance, Employee Benefits, and Personal Insurance. The agency functions as a broker representing multiple insurance carriers, providing tailored coverage solutions for individuals and businesses of all sizes. Core business products include General Liability, Commercial Property, Business Owners Insurance (BOP), Cyber Liability, Employment Practice Liability, Builders Risk, Surety Bonds, and Probate Bonds. Employee benefits offerings include Group Health, Vision, Dental, Voluntary Benefits, and Disability Insurance. Personal insurance products cover Home, Auto, RV, Medicare, Individual Health, and Life Insurance. The agency operates offices in Grants Pass and Medford, Oregon, and is licensed in over 13 states.

Differentiator

Problem solved

Functional benefit

Products and services

• General Liability Insurance Comprehensive protection for businesses against bodily injury to people outside of the business and physical damage to their property.
• Commercial Property Insurance
• Business Owners Insurance (BOP)
• Cyber Liability Insurance
• Employment Practice Liability Insurance (EPLI)
• Builders Risk Insurance
• Surety Bond
• Probate Bond
• Group Health Insurance
• Group Vision Insurance
• Group Dental Insurance
• Group Voluntary Benefits
• Disability Insurance
• Home Insurance
• Auto Insurance
• RV Insurance
• Medicare Plans
• Individual Health Insurance
• Individual Life Insurance

Quantifiable outcome

• Serving clients throughout Southern Oregon and over 13 states
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor.

• Project Youth+minorGTM or Marketing Partner · 1 January 2021Hart Insurance supported Project Youth+'s Building Dreams Capital Campaign by helping paint the interior of their new building during their remodeling project.
• Josephine County Food BankminorGTM or Marketing Partner · 1 January 2020Hart Insurance sent crew members twice a week to volunteer at the Josephine County Food Bank Raptor Creek Farm, with more than half of their employees volunteering at least once.
• Siskiyou Community Health CenterminorGTM or Marketing Partner · 1 January 2019Hart Insurance partnered with Siskiyou Community Health Center for community events including sponsorship of Tee Off for Kids golf tournament and helping fund their mobile CareVan wrap.
• Grants Pass KiwanisminorGTM or Marketing Partner · 1 January 2019Hart Insurance teamed up with Grants Pass Kiwanis for a Sleep in Heavenly Peace build day to help provide beds for children in need.
• Umpqua BankminorGTM or Marketing Partner · 1 January 2018Hart Insurance participated in Umpqua Bank's Trunk or Treat community event, winning the 2018 Halloween 'Best in Trunk' Award.
• Rogue Valley Humane SocietyminorGTM or Marketing PartnerHart Insurance partnered with Mutual of Enumclaw and Rogue Valley Humane Society to gather donations and provide necessary funds and supplies to help animals affected by devastating wildfires in the community.

Scale indicators4 records

Recent moves8 records

Expansion highlights10 records

Direct peers

• Leavitt Group: Leavitt Group is a large independent insurance agency network operating across the Western US. Highly comparable as a multi-state independent agency offering business, benefits, and personal lines through carrier partnerships, with a similar relationship-led GTM model.
• PayneWest Insurance: PayneWest is a Pacific Northwest-based independent insurance agency serving Oregon, Washington, Idaho, and Montana. Same business model as Hart Insurance: independent brokerage representing multiple carriers across commercial, benefits, and personal lines.
• Hub International: Hub International is a large global insurance brokerage with a strong independent agency and acquired-agency model. While much larger, it competes for the same multi-line commercial and personal accounts and represents the consolidation path available to agencies like Hart.
• Heffernan Insurance Brokers: Heffernan Insurance Brokers is a large independent brokerage serving business and personal lines across the Western US. Comparable in independent agency positioning, multi-carrier representation, and family-influenced heritage.
• Brown & Riding Insurance Services: Brown & Riding is an independent wholesale brokerage placing complex and specialty commercial risks. Relevant as a competitor for Hart's commercial lines producers who place complex business insurance with specialty carriers.

Broad incumbents

• Marsh McLennan: Marsh is the world's largest insurance broker with global reach and enterprise focus. Represents the incumbent competitor that larger or growing Hart Insurance clients may migrate toward as their risk complexity increases.
• Aon: Aon is a global professional services firm with a major insurance brokerage and reinsurance practice. Competes with Hart for commercial accounts needing broader risk advisory, benefits consulting, and capital solutions.
• State Farm: State Farm is a major direct/captive personal lines insurer with strong agent distribution. Competes with Hart's personal lines business through exclusive agents who can only place State Farm products but have massive brand recognition.

Emerging players

• Lemonade: Lemonade is a digital-first insurance carrier targeting renters, homeowners, and pet insurance with AI-driven underwriting. Represents the insurtech threat to traditional independent agencies like Hart in personal lines.
• Burns & Wilcox: Burns & Wilcox is a specialty insurance wholesaler placing complex commercial and personal risks through retail brokers. Indirect competitor and channel partner to Hart Insurance for placements outside standard carrier appetites.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/HartInsInc
• Xx.com/HartInsuranceOR
• LinkedInlinkedin.com/company/hart-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Hart Insurance