Texas First Insurance

What Texas First Insurance does

Texas First Insurance is an independent insurance agency founded in 1925 and headquartered in Texas City, Texas, operating additional offices in Houston and Conroe. The company distributes insurance products and risk management services across four primary segments: commercial lines (property, general liability, business auto, workers' compensation, umbrella, contractors, manufacturing, petrochemical/oil & gas, wet marine, and executive liability), employee benefits (group health, dental, vision, life, disability for employer groups of 2-1,000+), personal lines (auto, homeowners, high-value homes, windstorm, flood, umbrella, recreational), and contract surety bonds (with in-house underwriting authority). It represents 25+ carriers including CNA, Chubb, The Hartford, Liberty Mutual, Progressive, Travelers, United Healthcare, BlueCross BlueShield of Texas, Aetna, Humana, and Cigna.

Name

Texas First Insurance

Legal name

Texas First Insurance

Website

https://texasfirst.insurance

Company type

Private

Founded year

1925

Operating status

Operating

Headcount range

11–50 employees

Short description

Texas First Insurance is an independent multi-line insurance agency founded in 1925, serving individuals, businesses, and employer groups across the Texas Gulf Coast through three offices and 25+ carrier partnerships spanning commercial, personal, surety, and employee benefits lines.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Surety Insurance (6351)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB), Protection & Indemnity (P&I) / Marine Liability Insurance (FSAJAHAH), Small Business BOP (Main Street) (FSAJAFAA), Crime Insurance (Financial Institution & Commercial Crime) (FSAJAIAE), Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Independent insurance agency
• Commercial insurance
• Personal insurance
• Employee benefits
• Surety bonding

Headquarters

HQ city

Texas City

HQ country

United States

HQ region

North America

Offices3 records

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 Agency Commissions: Texas First Insurance operates as an independent insurance agency representing multiple insurance carriers and underwriters. Revenue is generated through commissions paid by insurance carriers on policies sold and renewed. The agency services both commercial and personal insurance lines, employee benefits, and surety bonding.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Texas First Insurance is an independent insurance agency that distributes commercial insurance, personal lines, employee benefits, and surety bond products on behalf of multiple insurance carriers. The agency serves both individuals and businesses across the Texas Gulf Coast through consultative risk management using its TF4U four-step evaluation program. It places coverage with carriers such as CNA, Chubb, Travelers, Liberty Mutual, Progressive, The Hartford, and others, earning commission on the policies sold and renewed.

Product overview

Texas First Insurance is an independent insurance agency offering a comprehensive portfolio of insurance products and risk management services. The company operates across three main segments: Commercial Insurance (including Property Risks, General Liability, Business Auto, Workers' Compensation, Umbrella, Contractors, Manufacturing, Petrochemical/Oil & Gas, Wet Marine, Executive Liability, and Surety Bonds), Life & Health (Employee Benefits, HR Solutions, Compliance Solutions, and Individual Insurance), and Personal Lines (Auto, Homeowners, High Value Homes, Dwelling Fire, Condo Owners, Windstorm, Flood, Personal Umbrella, and Recreational). The TF4U program serves as the core risk management methodology, while the Client Portal provides digital access to policies and documents. The agency also offers additional specialized coverages including farm and ranch, antique automobiles, and valuable collectibles.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance

Quantifiable outcome

• Supporting employer groups ranging from 2 to 1000+ employees with the same level of service and attention
• +1 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

47 partnerships are on record, tiered core and minor.

• United HealthcarecoreChannel Partner/ Reseller/ DistributorMajor health insurance carrier partner for employee benefits programs. Provides group health insurance, dental, vision, and related coverage options through the agency's employee benefits department serving employers with 2 to 1000+ employees.
• BlueCross BlueShield of TexascoreChannel Partner/ Reseller/ DistributorMajor carrier partner for employee health benefits programs, offering group health insurance coverage to Texas employers through the agency's benefits consulting services.
• AetnacoreChannel Partner/ Reseller/ DistributorHealth insurance carrier partner providing medical coverage options for employer group benefit programs.
• HumanacoreChannel Partner/ Reseller/ DistributorHealth insurance carrier partner offering group health and Medicare-related benefit products through the agency's employee benefits platform.
• CignacoreChannel Partner/ Reseller/ DistributorGlobal health insurance carrier providing group health, dental, and behavioral health coverage options for employer benefit programs.
• The HartfordcoreChannel Partner/ Reseller/ DistributorNational insurance carrier providing commercial insurance and employee benefits products distributed through the agency's commercial and group benefits departments.
• GuardiancoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for employee benefits including life, disability, and dental insurance products for employer groups.
• MetLifecoreChannel Partner/ Reseller/ DistributorInsurance carrier providing employee benefits products including dental, vision, life, and disability coverage distributed through the agency.
• Sun Life Financial GroupcoreChannel Partner/ Reseller/ DistributorBenefits carrier partner offering group disability, life, and dental insurance products for employer benefit programs.
• Lincoln Financial GroupcoreChannel Partner/ Reseller/ DistributorFinancial services and insurance carrier providing employee benefits including retirement and insurance products distributed through the agency.
• AIGcoreChannel Partner/ Reseller/ DistributorGlobal insurance carrier providing commercial and employee benefits insurance products through the agency's distribution network.
• UNUMcoreChannel Partner/ Reseller/ DistributorBenefits carrier specializing in employee benefits including life, accident, and disability insurance for employer groups.
• Mutual of OmahacoreChannel Partner/ Reseller/ DistributorInsurance carrier providing employee benefits products including life, disability, and health coverage for employer groups.
• Principal Financial GroupcoreChannel Partner/ Reseller/ DistributorEmployee benefits carrier offering retirement, insurance, and asset management products for employer benefit programs.
• CNAcoreChannel Partner/ Reseller/ DistributorCommercial property and casualty insurance carrier providing commercial lines products including general liability, property, and workers' compensation coverage.
• ChubbcoreChannel Partner/ Reseller/ DistributorGlobal commercial and personal property/casualty insurer providing high-value home insurance, commercial insurance, and specialty coverage through the agency.
• TravelerscoreChannel Partner/ Reseller/ DistributorNational commercial and personal insurance carrier providing property, casualty, and bond products distributed through the agency.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorCommercial and personal insurance carrier providing auto, homeowners, and commercial lines products through the agency.
• ProgressivecoreChannel Partner/ Reseller/ DistributorPersonal and commercial auto insurance carrier providing vehicle coverage distributed through the agency.
• Texas MutualcoreChannel Partner/ Reseller/ DistributorTexas-based workers' compensation insurance carrier providing coverage for Texas employers through the agency's commercial lines.
• Texas Windstorm Insurance Association (TWIA)coreChannel Partner/ Reseller/ DistributorState-sponsored insurance pool providing windstorm and hurricane coverage for Texas coastal properties unable to obtain coverage in the voluntary market.
• Central Insurance CompaniesminorChannel Partner/ Reseller/ DistributorRegional insurance carrier providing property and casualty coverage for personal and commercial lines.
• EncompassminorChannel Partner/ Reseller/ DistributorPersonal insurance carrier providing home and auto coverage distributed through independent agents.
• FCCIminorChannel Partner/ Reseller/ DistributorCommercial insurance carrier providing workers' compensation and commercial property coverage.
• SafecominorChannel Partner/ Reseller/ DistributorPersonal insurance carrier providing auto and home insurance through independent agents.
• Service LloydsminorChannel Partner/ Reseller/ DistributorTexas-based insurance carrier providing property and casualty coverage for personal lines.
• State AutominorChannel Partner/ Reseller/ DistributorRegional insurance carrier providing personal and commercial property/casualty insurance.
• Union StandardminorChannel Partner/ Reseller/ DistributorInsurance carrier providing commercial and personal insurance coverage through the agency.
• Wright FloodminorChannel Partner/ Reseller/ DistributorNational flood insurance carrier providing flood coverage for residential and commercial properties, including NFIP policies.
• HR&PminorOthersProfessional Employer Organization (PEO) providing HR and payroll services recommended to clients seeking comprehensive HR outsourcing solutions.
• TriNet (PEO)minorOthersProfessional Employer Organization providing HR services, payroll, benefits administration, and compliance support for中小企业 employers.
• PaychexminorOthersPayroll services vendor providing payroll processing, tax filing, and HR services to employer clients.
• InsperityminorOthersHR services and PEO provider offering payroll, benefits, risk management, and HR technology for businesses.
• ADPminorOthersPayroll and HR solutions provider offering payroll processing, human capital management, and benefits administration.
• PaycorminorOthersHR and payroll technology provider offering cloud-based payroll, time tracking, and HR management solutions.
• PaylocityminorOthersCloud-based HR and payroll platform providing payroll, benefits, time tracking, and talent management solutions.
• Total Administrative Services Corporation (TASC)minorOthersCompliance vendor providing COBRA administration, HSA, FSA, HRA, and other benefit administration services.
• ThinkHRminorOthersHR compliance and consulting vendor providing live HR experts, compliance guidance, and HR support services.
• PlanSourceminorOthersBenefits administration technology platform providing cloud-based benefits enrollment and administration services.
• American Subcontractors AssociationminorOthersConstruction industry trade association providing education, networking, and advocacy for subcontractors. Texas First Insurance stays informed about bonding needs through this association.
• Associated Builders and ContractorsminorOthersNational construction industry trade association providing training, education, and advocacy. Agency maintains education on construction industry insurance and bonding needs through this association.
• Surety & Fidelity Association of AmericaminorOthersNational trade association representing surety and fidelity insurers. Texas First Insurance maintains industry education and surety relationships through this association.
• The National Association of Surety Bond Producers (NASBP)minorOthersNational association representing surety bond producers and brokers. Texas First Insurance stays current on industry standards and bonding requirements through this association.
• Small Business Administration Bonding ProgramminorOthersFederal government program providing bid, performance, and payment bonds for small contractors who cannot obtain bonding through regular channels.
• Houston Contractors AssociationminorOthersRegional construction industry association serving the greater Houston market. Agency maintains education on local construction bonding and insurance requirements.
• Construction Financial Management AssociationminorOthersProfessional association for construction financial professionals providing education and networking. Texas First Insurance stays informed about financial management and bonding needs through this association.
• Texas First BankcoreStrategic or Co-development PartnerTexas First Bank (texasfirst.bank), an affiliate of Texas Independent Bancshares, Inc., the parent company of Texas First Insurance. The bank provides additional financial services to agency clients, including banking, lending, and financial products as part of a consultative approach to client financial needs.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Brown & Riding Insurance Services: Independent wholesale insurance brokerage specializing in placing complex commercial risks across many industries. Comparable on placement expertise for hard-to-place commercial risks.
• Woodruff-Sawyer & Co. Independent commercial insurance brokerage serving mid-market businesses across multiple industries with dedicated specialty practices. Comparable in consultative, multi-carrier commercial brokerage model.
• Insurance Office of America: Independent full-service insurance brokerage offering commercial, personal, employee benefits, and risk management solutions across U.S. offices. Comparable independent-agency scale and multi-line product set.
• Heffernan Insurance Brokers: Independent commercial insurance agency serving businesses and individuals across personal lines, commercial lines, employee benefits, and surety. Comparable as a mid-sized independent agency with multi-line, multi-carrier distribution.
• McGriff Insurance Services: Diversified multi-line insurance agency offering commercial, personal, employee benefits, and surety to mid-market clients through a regional office network. Directly comparable in product breadth, multi-carrier model, and mid-market focus.
• Higginbotham: Texas-headquartered independent insurance agency offering commercial, personal, employee benefits, and surety across multiple offices in Texas and beyond. Closest geographic and product-line peer to Texas First Insurance in scale and market orientation.

Broad incumbents

• USI Insurance Services: Large national insurance brokerage offering commercial, personal, and employee benefits across all 50 states. Overlaps with Texas First's commercial and benefits lines but operates at significantly larger scale and with a national footprint.
• Risk Placement Services (RPS): Wholesale and retail insurance distributor placing specialty commercial risks across diverse industries. Comparable on placement expertise for hard-to-place commercial lines relevant to Texas First's specialty book.
• Aon: Global insurance brokerage and advisory serving commercial clients across risk, retirement, and health. Comparable in commercial lines placement but operates at materially larger scale than Texas First.
• Marsh McLennon: Global insurance brokerage and risk advisory covering commercial, reinsurance, and benefits. Overlaps with Texas First's commercial book but at a dramatically larger scale and global footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Texas First Insurance