Hawkins Harrison Insurance

What Hawkins Harrison Insurance does

Hawkins Harrison Insurance is a family-owned independent insurance agency founded in 1957 and headquartered in Kirksville, Missouri, serving customers across Northeast Missouri. The agency operates seven physical office locations in Edina, Kahoka, Kirksville, Macon, Marceline, Memphis, and Shelbina, distributing a multi-line book of personal, commercial, farm, and life insurance products sourced from third-party carriers. Distribution combines in-person agent consultations, phone-based sales, and lightweight digital self-service through website quote forms and AppliedPay online payments. The target customer segments are individuals and families, farmers and agricultural operators, small businesses, and homeowners/property owners in rural Missouri communities.

The product portfolio spans auto insurance (with specialty auto, collision, comprehensive, uninsured motorist, accident forgiveness, diminishing deductible, and roadside assistance modules), home and property insurance (homeowners, renters, condo, mobile home, landlords, scheduled property), business insurance (commercial property, general liability, BOP, commercial auto, professional liability, workers' compensation, crime, inland marine, commercial umbrella), farm insurance (farm owners, livestock, equipment, structures, dwelling, auto, umbrella, liability), and life insurance (individual and group). Technology consists of a Squarespace-hosted website, blog content, Instagram social presence, online quote request forms, and the AppliedPay payment integration with Allied Insurance for 24/7 claims service. There is no proprietary technology, mobile application, API offering, or AI/ML capability disclosed.

Revenue is generated through carrier-paid commissions on policies sold and renewed, with the annual renewal cycle producing a recurring commission stream. Pricing is fully custom and quote-based with no publicly disclosed price points. The agency operates with no external investors, parent company, subsidiaries, or known funding rounds, and remains under family ownership throughout its 60-plus-year history.

Name

Hawkins Harrison Insurance

Legal name

Hawkins Harrison Insurance

Website

https://hawkinsharrison.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

11–50 employees

Short description

Hawkins Harrison Insurance is a family-owned independent insurance agency founded in 1957, serving Northeast Missouri through seven physical offices with personal, commercial, farm, and life insurance products sourced from third-party carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Edina

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: Hawkins Harrison Insurance operates as an independent insurance agency, generating revenue through commissions paid by insurance carriers on policies sold and renewed. The agency offers multiple insurance product lines including auto, home, business, farm, life, and worker's compensation insurance. Revenue is recurring in nature as insurance policies typically renew annually, creating ongoing commission opportunities.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Hawkins Harrison Insurance is an independent insurance agency that sells and services personal and commercial insurance policies on behalf of multiple carriers. Its core offerings span six lines — Auto, Home, Business, Farm, Life, and Worker's Compensation — distributed through seven local offices across Northeast Missouri and supported by online quote requests and Allied Insurance's 24/7 claims service. The agency earns revenue through commissions paid by carriers on the policies it places and renews.

Product overview

Hawkins Harrison Insurance is a family-owned independent insurance agency serving Northeast Missouri since 1957. The company operates as a multi-location agency offering a comprehensive portfolio of insurance products organized around five core categories: Personal Insurance (auto, home, and life insurance), Business Insurance (commercial property, general liability, BOP, professional liability, workers compensation), Farm Insurance (farm owners, livestock, equipment, structures, dwelling, auto, umbrella, and liability coverage), and specialized add-on modules (roadside assistance, accident forgiveness, specialty auto, inland marine, crime, and renters/condo/mobile home coverage). The company partners with Allied Insurance for 24/7 claims service and uses Applied Pay for online payment processing. No API offering or AI/ML capabilities were identified in the provided source material.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal vehicle coverage for Northeast Missouri drivers, including liability, collision, comprehensive, uninsured motorist, medical payments, roadside assistance, rental reimbursement, and specialty auto protection. Sold through local agents across seven offices.
• Home Insurance Residential property coverage including homeowners, renters, condo, mobile home, scheduled property, and landlords insurance for clients across Northeast Missouri communities.
• Business Insurance Commercial coverage for small businesses including commercial property, general liability, business owners policy, inland marine, commercial auto, commercial umbrella, professional liability, workers compensation, and crime insurance.
• Farm Insurance Agricultural coverage for farms, ranches, and agribusiness operations including farm owners, livestock, equipment, dwelling, structures, auto, umbrella, and liability protection.
• Life Insurance Financial protection products for individuals and groups, including individual life and group life policies for personal protection, family planning, and employee benefits.
• Worker's Compensation Coverage that pays for medical care, lost wages, and rehabilitation when employees are injured or made ill at work, helping Missouri businesses stay legally compliant.

Named customers5 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

Integration2 records

Partnerships

One partnership is on record.

• Allied InsurancecoreStrategic or Co-development PartnerHawkins Harrison Insurance has partnered with Allied Insurance's On Your Side® service center to provide extended customer support. This partnership enables the agency to offer 24/7/365 support for claims, accidents, billing information, and other assistance through Allied representatives. The partnership extends beyond normal business hours to serve customers when they need assistance most.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Shelter Insurance: Missouri-headquartered mutual insurer with a strong captive-agent network across the state, including rural Northeast Missouri. Closest comparable in geography, customer profile, and multi-line personal/commercial/farm offerings competing head-to-head for the same local households.
• Farm Bureau Financial Services: Multi-line insurance provider with deep penetration in rural Missouri and a strong farm and agricultural product portfolio. Direct competitor for the agency's farmer and small-business segments, with comparable local-agent distribution and community-rooted positioning.
• COUNTRY Financial: Regional insurer serving rural and small-town America with auto, home, farm, life, and business coverage through local agents. Highly comparable customer base, product mix, and rural Midwestern geography to Hawkins Harrison.
• Auto-Owners Insurance: Mid-sized mutual insurer that distributes exclusively through independent agents across the Midwest and South. Direct competitor for Hawkins Harrison's commercial, farm, and personal lines book on the carrier side, sharing the same independent agency economics.
• Cincinnati Financial: Property-casualty insurer distributed through independent agents with a strong commercial and personal lines book. Comparable independent-agency distribution model and concentration in Midwest small-town markets where Hawkins Harrison competes.

Broad incumbents

• State Farm: Largest US personal lines insurer with a captive-agent model that competes directly for auto and home policies in Hawkins Harrison's service area. Overlaps heavily in product mix and target customer (individuals and families) though operates nationally rather than as an independent agency.
• Erie Insurance: Regional mutual insurer distributed through captive agents offering personal and commercial lines. Comparable in multi-line product breadth and relationship-driven agency model, though operating across a broader multi-state footprint than Hawkins Harrison.

Regional players

• West Bend Mutual Insurance: Midwest regional mutual insurer distributed through independent agents with personal, commercial, and specialty lines. Adjacent in independent-agency distribution and small-town Midwest customer profile, with primary concentration in Wisconsin and surrounding states.
• Pekin Insurance: Regional Midwest insurer distributed through independent agents offering personal, commercial, farm, and life products. Comparable independent-agency distribution model and small-town customer base, though concentrated in Illinois rather than Missouri.
• Grinnell Mutual: Midwest-domiciled mutual reinsurer and direct insurer distributed through independent agents with a strong farm and commercial book. Comparable independent-agency model and rural Midwest customer base, with primary footprint in Iowa and adjoining states.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/hawkinsharrisoninsurance
• Xx.com/HHInsuranceMO
• Facebookfacebook.com/hawkinsharrisonedina
• LinkedInlinkedin.com/company/whitney-harrison-insurance

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 Hawkins Harrison Insurance