Katy Insurance Agency Inc

What Katy Insurance Agency Inc does

Katy Insurance Agency, Inc. is an independent insurance brokerage founded in 1915 and headquartered at 1207 Avenue D in historic downtown Katy, Texas. The agency has been continuously owned and operated by J. W. "Skip" Conner, CIC and ARM since 1976, and serves individual consumers, small-to-medium businesses, and specialty organizations across the entire state of Texas from its single physical office via phone, in-person, and digital channels.

The agency distributes a broad portfolio of more than 40 insurance products across three core categories: personal lines (auto, motorcycle, homeowners, condo, flood, renters, life and health, personal umbrella, RV, boat, jewelry, and LegalShield legal services); commercial lines (general liability, commercial property, workers compensation, cyber liability, professional liability, construction, contractors, trucking, hotel, restaurant, daycare, farm, nonprofit, church, bonds, D&O, EPLI, E&O, medical and legal malpractice, and liquor liability); and specialty/sports lines (football stadium liability through a Risk Purchasing Group, sports team, youth sports camp, and wedding and special event coverage). The core technology is traditional insurance brokerage and risk assessment; the agency accesses 27+ insurance carriers (Burns & Wilcox, Chubb, CNA Surety, Employers, Encompass, Foremost, GuideOne, Hagerty, Hartford, Hull & Company, Liberty Mutual, Markel, Mercury, MetLife, National Flood Services, Ohio Casualty Group, Philadelphia Insurance, Progressive, Safeco, State Auto, Texas Fair Plan, Texas Mutual, Travelers, Universal, Utica First, Utica National, and Zurich) and offers a CSR24 client portal for 24/7 self-service access to policy documents, ID cards, certificates of insurance, and claims reporting. No proprietary AI/ML or insurtech platform is described.

Katy Insurance Agency generates revenue through insurance carrier commissions on policies sold and serviced, with additional revenue from LegalShield subscription referrals (starting at $25/month for personal legal protection). The agency's go-to-market is sales-led, combining direct phone inquiries, in-person consultations at the Katy office, and online quote request forms. The agency has been recognized as one of the "Best of Katy" for over 8 consecutive years and maintains active community engagement via its blog, Facebook, Google, Yelp, and LinkedIn presence alongside a "Refer a Friend" referral program.

Name

Katy Insurance Agency Inc

Legal name

Katy Insurance Agency, Inc.

Website

https://katyinsurance.com

Company type

Private

Founded year

1915

Operating status

Operating

Headcount range

11–50 employees

Short description

Katy Insurance Agency is an independent Texas insurance brokerage founded in 1915, distributing 40+ personal, commercial, and specialty insurance products from 27+ carriers to consumers and SMBs across the state via its Katy office and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Katy

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 Commissions: As an independent insurance agency, Katy Insurance Agency earns commissions from insurance carriers for policies sold and serviced. They represent multiple insurance companies including Burns & Wilcox, Chubb, CNA Surety, Employers, Encompass, Foremost, GuideOne, Hagerty, Hartford, Hull & Company, Liberty Mutual, Markel, Mercury, MetLife, National Flood Services, Ohio Casualty Group, Philadelphia, Progressive, Safeco, State Auto, Texas Fair Plan, Texas Mutual, Travelers, Universal, Utica First, Utica National, and Zurich.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Katy Insurance Agency is an independent insurance brokerage that sells and services personal, commercial, and specialty insurance policies by representing 27+ insurance carriers. The agency writes auto, homeowners, flood, life & health, umbrella, RV, boat, and jewelry policies for individuals, and general liability, commercial property, workers compensation, cyber liability, construction, trucking, hotel, restaurant/bar/tavern, church, farm, daycare, nonprofit, professional liability, D&O, E&O, EPLI, medical and legal malpractice, and liquor-based business policies for commercial clients. It also distributes LegalShield legal-protection subscriptions and sports/stadium liability coverage through a Risk Purchasing Group, earning carrier commissions on placed business.

Product overview

Katy Insurance Agency Inc is an independent insurance agency founded in 1915 serving the State of Texas from Katy, TX. The company offers a comprehensive portfolio of insurance products organized into personal insurance (auto, motorcycle, homeowners, condo, flood, mobile home, renters, jewelry, life & health, personal umbrella, RV, boat, and legal shield), business/commercial insurance (general liability, commercial property, professional liability, workers compensation, commercial auto, cyber liability, construction, contractors, trucking, hotel, restaurant, bar & tavern, farm, nonprofit, daycare, church, bonds, EPLI, D&O, E&O, medical malpractice, legal malpractice, liquor liability, and specialty insurance), and sports/specialty insurance (football stadium, sports teams, youth camps, wedding and special events). The agency operates as an independent agency offering competitive quotes from multiple insurance carriers, with products available through an online client portal (CSR24).

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for vehicles that may help cover costs for repairs, medical expenses, or liability claims following an accident, including liability, collision, and comprehensive coverage options, for Texas individual drivers and families.
• Motorcycle Insurance Coverage for motorcycles providing liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments protection for motorcycle owners and riders in Texas.
• SR-22 Insurance State-required form used to prove minimum liability coverage for drivers reinstating licenses after suspension, revocation, accidents without insurance, multiple traffic offenses, or DUI/DWI convictions in Texas.
• Homeowners Insurance Standard homeowners policy that helps financially protect Texas homeowners against accidents or covered incidents, covering the house and contents plus liability for injuries and property damage to others.
• Condominium Insurance (HO-6) Coverage for condo owners providing personal property, dwelling improvements, liability, medical payments, loss of use, and loss assessment protection.
• Flood Insurance Coverage offering financial protection against flooding for Texas property owners, covering structural damage, personal property, essential systems, debris removal, and relocation expenses.
• Mobile Home Insurance Coverage for mobile homes protecting against accidents and incidents, including property protection, personal property, personal liability, and loss of use coverage.
• Renters Insurance Coverage for Texas renters providing personal property, personal liability, and loss of use protection for belongings in a rental dwelling.
• Business Insurance Commercial insurance functioning as risk management to protect Texas businesses from financial losses due to fires, theft, accidents, and damage, including general liability, commercial property, professional liability, workers compensation, commercial auto, and cyber liability coverage.
• Commercial Property Insurance Financial safeguard for Texas businesses protecting physical assets including buildings, equipment, inventory, and other physical items from risks such as fire, theft, vandalism, and severe weather.
• Commercial Liability Insurance Coverage for Texas businesses when held legally responsible for bodily injury, property damage, or personal harm to others, including legal defense costs.
• Workers Compensation Insurance Coverage for work-related injuries or illnesses including medical treatment, partial wage replacement, rehabilitation services, and death benefits for families of Texas workers and employees.
• Cyber Liability Insurance Specialized coverage protecting Texas businesses from data breaches, cyberattacks, and other cyber incidents, covering incident investigation, notification expenses, business interruption losses, and fees for outside help.
• Construction Insurance Specialized business insurance for Texas construction firms comprising professional liability, general liability, commercial property, workers compensation, business interruption, commercial auto, inland marine, and umbrella coverage.
• Contractors Insurance Specialized small business insurance for Texas contractors protecting against unique work-related risks including professional liability coverage.
• Trucking Insurance Commercial auto insurance for Texas trucking companies and owner-operators including bodily injury liability, property damage liability, comprehensive, collision, medical payments, uninsured/underinsured motorist, trailer interchange, bobtail, and cargo coverage.
• Hotel Insurance Coverage for Texas hotels, motels, inns, and resorts including hospitality E&O, liquor liability, general liability, employment liability, workers compensation, property, automobile, business continuation, and equipment breakdown coverage.
• Restaurant, Bar & Tavern Insurance Coverage for Texas restaurants, bars, and taverns with tailored policies for establishments serving food and alcohol, addressing the unique risks of the hospitality industry.
• Liquor Based Business Insurance Coverage for Texas businesses serving alcohol, covering liquor liability, defense costs, claims payments, and protection for assaults and batteries occurring within establishments.
• Farm Insurance Insurance policies for Texas farms covering farm dwelling, farm equipment, business interruption, crop insurance, livestock insurance, and product liability coverage.
• Nonprofit Insurance Coverage for Texas nonprofit organizations including general liability, property, auto, product liability, directors and officers, professional liability, and workers compensation.
• Church Insurance Coverage for Texas churches and religious organizations including commercial property insurance, workers compensation insurance, and directors and officers insurance.
• Daycare Insurance Comprehensive insurance for Texas licensed, non-residential child care facilities covering property, general liability, abuse and molestation liability, child care E&O, corporal punishment liability, automobile liability, workers compensation, and umbrella coverage.
• Professional Liability Insurance Coverage for Texas businesses providing services or guidance, addressing claims arising from personal injury, misrepresentation, damages, lost revenue, legal representation, disciplinary proceedings, and subpoena assistance.
• Directors and Officers Liability Insurance Specialized liability coverage for actions and decisions made by Texas company senior leaders including directors, officers, board members, and executives, covering Side A, Side B, and Side C coverage.
• Errors and Omissions Insurance (E&O) Coverage protecting Texas businesses from third-party claims or lawsuits due to alleged mistakes, including errors, negligence, oversights, inadequate work, incorrect advice, and misrepresentations.
• Employer Practices Liability Insurance (EPLI) Coverage providing financial protection against Texas employment practices liability claims including discrimination, wrongful termination, harassment, improper hiring practices, mismanagement of employee benefits, invasion of privacy, and breach of contract.
• Medical Malpractice Insurance Professional liability coverage for Texas medical professionals protecting against malpractice claims.
• Legal Malpractice Insurance Professional liability coverage for Texas legal professionals protecting against claims of mismanagement in legal services.
• Bonds Financial instruments including surety bonds and fidelity bonds that cover specific contracts and jobs to secure business financial interests for Texas companies.
• Jewelry Insurance Specialized insurance for Texas residents covering loss, theft, accidental damage, and mysterious disappearance of engagement rings, wedding rings, family heirlooms, designer watches, and custom or antique pieces.
• Life and Health Insurance Coverage for Texas individuals and families including term life insurance, permanent life insurance, individual health plans, family health insurance, and supplemental health insurance covering dental, vision, and critical illness benefits.
• Personal Umbrella Insurance Liability coverage for Texas households extending beyond homeowners, auto, or other personal policies to cover legal fees, medical bills, and damages when claims exceed standard policy limits.
• Recreational Vehicle Insurance Coverage for Texas RV owners combining aspects of auto, homeowners, and travel insurance, covering liability, collision, comprehensive, personal belongings, uninsured/underinsured motorist, medical payments, and roadside assistance.
• Watercraft & Boat Insurance Coverage for Texas boat and watercraft owners covering damage from fire, natural disasters, theft, vandalism, collisions, third-party bodily injuries, medical expenses, uninsured boaters, and personal belongings on board.
• Wedding and Special Events Insurance Coverage protecting Texas weddings and special events against postponement due to severe weather, accident, sudden illness, vendor issues, lost photographs, gown damage, and providing liability coverage for alcohol-related accidents.
• Sports Insurance Stadium liability coverage for semi-pro and amateur adult tackle football teams and leagues, covering general liability for renting facilities for games and practices.
• Football Stadium Insurance Insurance program written through a Risk Purchasing Group providing general liability coverage for teams renting facilities for practices and games, with coverage limits of $1M per occurrence, $2M general aggregate, and $300K fire damage, at $390 per team per year (premiums 100% earned, no refunds; optional Waiver of Subrogation $125; optional Primary & Non-Contributory Endorsement $125).
• Sports and Youth Camps Insurance Coverage for youth sports, cheer, and summer camps including Participant General Liability, General Liability, Excess Accident Medical, and Excess General Liability coverage.
• LegalShield (Legal Protection Service) Subscription legal protection service providing access to attorneys for personal legal issues, identity theft protection through IDShield, and business legal plans, starting at $25 per month for personal legal protection, billed monthly.

Quantifiable outcome

• Named Best of Katy for over 8 years - demonstrates consistent customer satisfaction and service quality

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

27 partnerships are on record, tiered core.

• Burns & WilcoxcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Katy Insurance Agency for commercial and specialty insurance products.
• ChubbcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for personal and commercial insurance coverage.
• CNA SuretycoreChannel Partner/ Reseller/ DistributorSurety bonds provider for business customers needing contract and commercial bonds.
• EmployerscoreChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier partner.
• EncompasscoreChannel Partner/ Reseller/ DistributorPersonal insurance carrier partner for home and auto coverage.
• ForemostcoreChannel Partner/ Reseller/ DistributorInsurance carrier for specialty products including mobile home and flood insurance.
• GuideOnecoreChannel Partner/ Reseller/ DistributorChurch insurance specialist carrier partner.
• HagertycoreChannel Partner/ Reseller/ DistributorClassic car and collector vehicle insurance carrier.
• HartfordcoreChannel Partner/ Reseller/ DistributorCommercial and business insurance carrier partner.
• Hull & CompanycoreChannel Partner/ Reseller/ DistributorInsurance wholesaler providing specialty coverage options.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorPersonal and commercial insurance carrier partner.
• MarkelcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for unique commercial risks.
• MercurycoreChannel Partner/ Reseller/ DistributorPersonal auto insurance carrier.
• MetLifecoreChannel Partner/ Reseller/ DistributorLarge insurance carrier for group benefits and personal insurance.
• National Flood ServicescoreChannel Partner/ Reseller/ DistributorFlood insurance specialist, offering NFIP and private flood coverage.
• Ohio Casualty GroupcoreChannel Partner/ Reseller/ DistributorCommercial insurance carrier part of the Liberty Mutual group.
• Philadelphia InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for niche commercial coverages.
• ProgressivecoreChannel Partner/ Reseller/ DistributorPersonal auto insurance carrier known for competitive rates.
• SafecocoreChannel Partner/ Reseller/ DistributorPersonal insurance products part of Liberty Mutual.
• State AutocoreChannel Partner/ Reseller/ DistributorRegional insurance carrier for personal and commercial coverage.
• Texas Fair PlancoreChannel Partner/ Reseller/ DistributorTexas state insurance plan for high-risk properties.
• Texas MutualcoreChannel Partner/ Reseller/ DistributorTexas-based workers compensation insurance carrier.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier.
• UniversalcoreChannel Partner/ Reseller/ DistributorInsurance carrier for various commercial and personal lines.
• Utica FirstcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier for personal insurance.
• Utica NationalcoreChannel Partner/ Reseller/ DistributorInsurance carrier for commercial specialty products.
• ZurichcoreChannel Partner/ Reseller/ DistributorGlobal commercial insurance carrier partner.

Scale indicators3 records

Recent moves6 records

Expansion highlights2 records

Broad incumbents

• Hub International: Large North American insurance brokerage serving commercial, personal, and employee benefits needs through a network of regional offices. Comparable as a multi-carrier independent agency model with strong personal lines and commercial book, scaled nationally and in Canada.
• Lockton Companies: Largest independent insurance brokerage in the U.S., serving mid-market and large commercial clients with multi-line brokerage and risk consulting. Comparable as a privately-held independent brokerage model, though operating at vastly greater scale and geographic reach.
• USI Insurance Services: Large national insurance brokerage serving mid-market and commercial clients across all 50 states with multi-carrier distribution. Comparable as a multi-carrier independent brokerage model targeting SMB/commercial buyers, though at significantly greater scale and geographic breadth.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm offering property/casualty, employee benefits, and risk management consulting. Comparable in product breadth and multi-carrier brokerage model for SMB and mid-market commercial clients, though operating at vastly greater scale.
• Marsh McLennan Agency: Middle-market arm of Marsh McLennan, providing insurance brokerage and risk advisory to SMB and mid-market clients across the U.S. Comparable in serving property/casualty and employee benefits for commercial buyers via multi-carrier distribution, though at significantly larger scale.

Emerging players

• Insureon / Simply Business: Digital small business insurance marketplace aggregating quotes from multiple carriers for SMB buyers. Comparable as a multi-carrier distribution channel targeting small commercial clients (contractors, restaurants, daycare, nonprofits) — overlapping heavily with Katy Insurance's SMB customer segments.
• RPS (Risk Placement Services): Specialty insurance wholesaler placing niche and non-standard commercial risks with E&S carriers and program administrators. Comparable as a specialty distribution intermediary with expertise in contractor, hospitality, and non-profit risks — overlapping segments served by Katy Insurance.
• Brown & Riding Insurance Services: Specialty insurance wholesaler and brokerage placing complex and non-standard commercial risks with E&S carriers. Comparable as a multi-carrier intermediary with deep specialty expertise (professional liability, E&O, cyber, contractor risks) — overlapping with several of Katy Insurance's specialty line offerings.

Direct peers

• Higginbotham Insurance: Fort Worth-based independent insurance agency serving Texas and surrounding states, representing multiple carriers and offering personal, commercial, and employee benefits coverage. Directly comparable as a Texas-rooted independent brokerage with a multi-line, multi-carrier model and similar SMB/mid-market customer base.
• Heffernan Insurance Brokers: California-based independent insurance brokerage representing multiple carriers across personal and commercial lines for SMB clients. Comparable as a private, employee-owned independent agency model with similar carrier-appointed distribution and SMB/commercial line focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/KatyInsuranceAgency
• LinkedInlinkedin.com/company/katy-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Katy Insurance Agency Inc