Fitts Insurance

What Fitts Insurance does

Fitts Insurance is an independent insurance agency founded in 1932 and headquartered in Southborough, Massachusetts, serving families and businesses across Eastern and Central Massachusetts. The agency distributes personal lines (homeowners, auto, life and health, flood, condo, renters, high-value home, vacation home, dwelling fire, boat/watercraft, valuable items, and personal umbrella) and a broad portfolio of commercial and specialty lines (general liability, workers compensation, commercial auto, commercial property, commercial umbrella, cyber, professional liability, EPLI, D&O, contractors, restaurant, landscaping, HVAC, electrician, architects, autobody, garage keepers, septic hauler, vacant land, church, nonprofit, liquor liability, and commercial watercraft). As an independent agency, it represents 20+ carriers including Concord Group Insurance, Chubb, Travelers, The Hartford, Hanover, Foremost, Safety Insurance, Quincy Mutual, Hagerty, Pure Insurance, Openly, Plymouth Rock, and Great American, earning commission-based revenue on policy sales and renewals.

The agency's operating model is primarily agent-led and sales-led, with licensed agents guiding customers through quote and policy selection, supplemented by self-service quote request forms for auto, home, life, watercraft, and garage keepers. A third-party client portal (gloveboxapp.com) supports document access, billing, and policy management for existing customers. Recent additions include a digital life insurance quoting tool providing instant quotes from over 30 carriers with e-signature and online application, and in 2026 the launch of Fitts Financial, a wealth management and financial advisory division powered by a partnership with Bortolussi Wealth Management, adding retirement, estate, college, and small business continuity planning to the offering. The technology stack is described as a standard insurance agency operations platform with no proprietary AI/ML systems or disclosed data assets.

Revenue is generated primarily through carrier commissions on personal and commercial insurance policies, structured on a recurring subscription-like basis tied to policy renewals, with monthly billing cadence on the consumer side. The agency's customer base is horizontally segmented across individual households and small-to-mid-size businesses (contractors, restaurants, landlords, nonprofits, trade professions) with no disclosed enterprise anchor customers, and serves a regional rather than national footprint.

Name

Fitts Insurance

Legal name

Fitts Insurance

Website

https://fittsinsurance.com

Company type

Private

Founded year

1932

Operating status

Operating

Headcount range

11–50 employees

Short description

Fitts Insurance is an independent insurance agency founded in 1932 in Southborough, Massachusetts, distributing personal, commercial, and specialty insurance products from 20+ carriers to households and small-to-mid-size businesses across Eastern and Central Massachusetts, with a recently launched wealth management division.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Workers’ Compensation for Small Business & Pay-As-You-Go Programs (FSAJAEAG)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial lines insurance
• Flood insurance coverage
• Wealth management services

Headquarters

HQ city

Southborough

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 Agency Commissions: Fitts Insurance operates as an independent insurance agency earning commissions from multiple insurance carriers including Concord Group Insurance, Chubb, Travelers, Hartford, Hanover, and others. Revenue is generated through policy sales and renewals across personal and commercial insurance lines.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Fitts Insurance is an independent insurance agency that sells personal and commercial insurance policies on behalf of 20+ carriers (Concord, Chubb, Travelers, Hartford, Hanover, Plymouth Rock, Foremost, Pure, Quincy Mutual, Safety, Hagerty, and others) to families and businesses in Eastern and Central Massachusetts. The agency also distributes financial advisory services (wealth management, retirement planning, estate planning, college planning, and small business continuity planning) through its Fitts Financial division in partnership with Bortolussi Wealth Management. Insurance quoting and policy servicing are supported by an online portal (Glovebox) and digital quote engines for auto, home, life, watercraft, and garage keepers coverage.

Product overview

Fitts Insurance is an independent insurance agency serving Eastern and Central Massachusetts since 1932, offering a comprehensive portfolio of insurance and financial products. The company provides personal insurance products (High Value Home, Vacation Home, Boat & Watercraft, Life & Health, Flood, Homeowners, Auto, Dwelling Fire, Renters, Condo, Valuable Items, and Personal Umbrella) and business insurance products (Architect, Autobody, Vacant Land, Septic Hauler, Garage Keepers, Electrician, Cargo Van, Fleet, HVAC Contractor, Rental Property, Product Liability, Restaurant, Landscaping, Contractors, Nonprofit, Landlord, Errors and Omissions, Liquor Liability, Workers Compensation, Church, Commercial Watercraft, Commercial Property, General Liability, Commercial Umbrella, Cyber, EPLI, Professional Liability, Directors and Officers, and Commercial Auto). The agency also offers Fitts Financial services in partnership with Bortolussi Wealth Management, including wealth management, portfolio planning, college planning, estate planning, and retirement accounts. The company operates through a digital quote platform for life insurance and partners with multiple insurance carriers including Concord, Chubb, Travelers, Hartford, and others.

Differentiator

Problem solved

Functional benefit

Brands

• Fitts Financial: Financial advisory services including wealth management, retirement planning, college planning, estate planning, and small business continuity planning, powered by Bortolussi Wealth Management.

Products and services

• Homeowners Insurance Financial protection for homes and personal belongings against damage, theft, or liability claims. Designed for Massachusetts homeowners.
• Auto Insurance Vehicle coverage protecting against accidents, with licensed agents guiding Massachusetts drivers through coverage options.
• Boat & Watercraft Insurance Coverage for boats, fishing boats, sailboats, personal watercraft, and yachts protecting against damage, theft, and accidents.
• Life & Health Insurance Financial security products covering medical expenses and providing support for beneficiaries upon the policyholder's passing.
• Flood Insurance Policy covering damages caused by flooding, which is not typically included in standard homeowners insurance. Designed for Massachusetts property owners.
• High Value Home Insurance Specialized coverage for high-value homeowners in Massachusetts requiring tailored protection beyond standard homeowners policies.
• Personal Umbrella Insurance Extra layer of liability protection beyond existing home, auto, or other insurance policy limits.
• Condo Insurance Specialized coverage for condominium owners protecting property, belongings, and liability exposures.
• Renters Insurance Affordable protection for tenants covering personal property and liability exposures.
• Dwelling Fire Insurance Flexible coverage for homes and additional dwellings against select perils, ideal for vacant or seasonal properties.
• Vacation Home Insurance Flexible coverage for vacation homes, seasonal cottages, and secondary residences in Massachusetts.
• Valuable Items Insurance Additional protection for cherished belongings such as family heirlooms, engagement rings, and art collections.
• Commercial Property Insurance Coverage for businesses that own or lease property, protecting buildings, equipment, and inventory.
• General Liability Insurance Foundational coverage protecting businesses against common liabilities including premises accidents and defamation claims.
• Workers Compensation Insurance Coverage providing benefits to employees for work-related injuries or illnesses in Massachusetts.
• Commercial Auto Insurance Coverage tailored for businesses owning and operating vehicles, from delivery vans to specialty vehicles.
• Fleet Insurance Coverage for businesses managing multiple vehicles with flexible options based on vehicle types and usage.
• Contractors Insurance Coverage for contractors including general liability, workers' compensation, commercial auto, and tools coverage.
• Cyber Insurance Coverage helping businesses protect against cyberattacks and data breaches including legal liabilities and financial losses.
• Professional Liability Insurance Coverage safeguarding professionals from lawsuits related to errors, omissions, or negligence in their work.
• Restaurant Insurance Combined coverage package protecting restaurants from risks involving customers, employees, property, and equipment.
• Nonprofit Insurance Collection of policies designed to protect charitable organizations from property damage, negligence allegations, and employment-related claims.
• Church Insurance Coverage tailored for churches protecting congregation, property, and mission from unexpected challenges.
• Directors and Officers Insurance Protection for organizational leaders from personal financial risks from lawsuits or liability due to leadership decisions.
• EPLI Insurance Employment Practices Liability Insurance protecting businesses against allegations of wrongful termination, discrimination, or harassment.
• Errors and Omissions Insurance Coverage for professionals for claims of professional negligence, mistakes, or missed deadlines.
• Commercial Umbrella Insurance Additional liability protection exceeding primary insurance policy limits for large claims and lawsuits.
• Commercial Watercraft Insurance Customizable insurance solutions for marine businesses in Massachusetts.
• Garage Keepers Insurance Coverage protecting businesses when customers' vehicles are in their care, custody, and control.
• Septic Hauler Insurance Tailored coverage for septic and waste hauling businesses including environmental exposure and vehicle coverage.
• Electrician Insurance Commercial coverages designed to protect electrical contractors from risks including electrical fires, arc flash accidents, and property damage.
• HVAC Contractor Insurance Comprehensive coverage for heating, ventilation, and air conditioning professionals including liability and equipment protection.
• Landscaping Insurance Coverage protecting landscaping and lawn care businesses from property, equipment, and liability risks.
• Landlord Insurance Policy designed for property owners who rent out residential properties, covering structure, income loss, and liability.
• Cargo Van Insurance Commercial auto coverage tailored for businesses relying on cargo vans or commercial vans.
• Product Liability Insurance Protection for companies from financial loss if their product causes harm through manufacturing defects, design flaws, or improper labeling.
• Liquor Liability Insurance Coverage protecting companies from claims related to the sale or service of alcoholic beverages.
• Architect Insurance Comprehensive coverage for architects including professional liability, property protection, and employee-related exposures.
• Autobody Insurance Specialized coverage suite for collision repair centers and automotive painters protecting against risks of the repair industry.
• Vacant Land Insurance Liability protection for owners of undeveloped property where no permanent structures exist.
• Rental Property Insurance Coverage for property owners renting homes, condos, or apartment buildings to tenants.
• Life Insurance Quote & Apply Tool Online tool allowing instant life insurance quotes from over 30 carriers with online application, DocuSign signing, and policy attainment with or without medical exam.
• Fitts Financial Wealth Management Financial advisory services including individual wealth management, small business wealth management, portfolio planning, college planning and 529 plans, estate and legacy planning, small business continuity planning, retirement accounts and investment (Traditional IRAs, Roth IRAs, Individual Investment Accounts, Corporate and Business Accounts), and employer and specialized plans (401(k), 403(b), Individual 401(k), SEP IRAs, SIMPLE IRAs, Profit Sharing Plans).

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

16 partnerships are on record, tiered core and supporting.

• Concord Group InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal and commercial insurance products distributed through Fitts Insurance agency. Featured carrier with logo placement on agency website.
• ChubbcoreChannel Partner/ Reseller/ DistributorPremier insurance carrier partner offering high-value home and specialty insurance products through Fitts Insurance.
• TravelerscoreChannel Partner/ Reseller/ DistributorNational insurance carrier providing commercial and personal insurance products through Fitts Insurance distribution network.
• The HartfordcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering business insurance and workers compensation products through Fitts Insurance.
• Hanover Insurance GroupcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier providing commercial and personal lines coverage through Fitts Insurance.
• Foremost InsurancesupportingChannel Partner/ Reseller/ DistributorSpecialty insurance carrier partner offering auto, home, and specialty insurance products through Fitts Insurance.
• Safety InsurancesupportingChannel Partner/ Reseller/ DistributorMassachusetts-based insurance carrier providing personal and commercial insurance products.
• Quincy Mutual GroupsupportingChannel Partner/ Reseller/ DistributorRegional mutual insurance carrier offering property and casualty insurance products.
• HagertysupportingChannel Partner/ Reseller/ DistributorSpecialty insurance carrier partner offering classic car and watercraft insurance through Fitts Insurance.
• Pure InsurancesupportingChannel Partner/ Reseller/ DistributorPremium insurance carrier offering high-value home and specialty coverage products.
• OpenlysupportingChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal insurance products through independent agents.
• Plymouth RocksupportingChannel Partner/ Reseller/ DistributorRegional insurance carrier offering auto and home insurance products in Massachusetts.
• Great American Insurance GroupsupportingChannel Partner/ Reseller/ DistributorCommercial and specialty insurance carrier partner through Fitts Insurance.
• Andover CompaniessupportingChannel Partner/ Reseller/ DistributorRegional insurance carrier offering personal insurance products through independent agents.
• CentralmutualsupportingChannel Partner/ Reseller/ DistributorRegional insurance carrier partner providing personal and commercial coverage through Fitts Insurance.
• Bortolussi Wealth ManagementcoreStrategic or Co-development PartnerStrategic financial advisory partnership providing investment management, retirement planning, estate planning, and wealth management services through Fitts Financial division. Collaborative approach offering integrated financial planning alongside insurance protection.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Risk Placement Services (RPS): National wholesale specialty insurance brokerage placing niche and surplus-lines risks with carriers. Competes for Fitts' specialty commercial placements (marine, garage keepers, septic haulers) by offering broader carrier access at scale.
• Brown & Brown, Inc. Major U.S. insurance brokerage distributing personal and commercial coverage through carrier partnerships across all 50 states. Operates the same commission-based multi-carrier model, but at national scale and with much broader product lines.
• Hub International Limited: Large North American insurance brokerage with a personal-lines division and significant Massachusetts presence, including its acquisition of other MA agencies. Offers overlapping carrier-agnostic placement at much greater scale across multiple states and product lines.
• Arthur J. Gallagher & Co. Global insurance broker and risk-management firm that distributes personal and commercial lines through independent agency and brokerage channels. Represents an aggregated competitor with the same carrier-representation playbook at significantly broader scale.

Direct peers

• Hilb Group: Mid-market insurance brokerage that acquires and operates independent agencies offering personal and commercial lines. Competes for the same Massachusetts SMB and household customers via carrier partnerships and offers a roll-up roll-up alternative.
• Cross Insurance: New England-headquartered independent insurance agency offering personal and commercial lines through multiple carriers, with a Massachusetts footprint comparable to Fitts. Operates the same multi-carrier distribution model across adjacent regional geography.
• Berry Insurance: Massachusetts-based independent insurance agency offering personal and commercial coverage through multiple carriers. Closest geographic and product analog, serving a similar SMB-and-household mix in New England.
• The Liberty Company Insurance Brokers: Mid-market independent brokerage delivering personal and commercial coverage through multiple carrier partners. Operates a comparable agency model with growing New England reach that could increasingly compete for the same Massachusetts accounts.

Emerging players

• Patriot Growth Insurance Services: PE-backed specialty insurance agency platform building a national footprint through acquisitions of regional commercial-line agencies. Represents a sector consolidator that could target Fitts' commercial book as an acquisition candidate.

Others

• Burns & Wilcox: National specialty insurance wholesaler placing complex and excess-and-surplus-lines business. Operates upstream of Fitts in the distribution chain and could route specialty placements away from the agency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/FittsInsurance
• Facebookfacebook.com/fittsinsurance
• LinkedInlinkedin.com/company/fitts-insurance-agency-inc-

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 Fitts Insurance