Terry Jones Insurance Agency

What Terry Jones Insurance Agency does

Terry Jones Insurance Agency is an independent insurance agency headquartered in Sherman, Texas, that has operated under its current brand since 2007, with predecessor operations dating to 2000. The agency serves individuals and small businesses across North Texas, with a service footprint spanning Grayson, Collin, Fannin, and Cooke counties. Its product offerings cover personal lines (auto, home, life, pet) and commercial lines, sourced through partnerships with approximately fifteen carriers. The agency is family-owned, with Terry Jones as principal and a small staff of one to ten employees handling policy origination, servicing, and claims support.\n\nThe business operates on a commission-based revenue model typical of independent agencies, earning contingent or override commissions from carriers for policies bound and renewed. As an independent agent rather than a captive agent, the agency can place customers across multiple carriers, providing flexibility in matching price and coverage. Customer acquisition relies primarily on local referral networks, community visibility in Sherman and surrounding counties, and the principal's industry tenure, with no disclosed digital marketing or direct-to-consumer technology infrastructure.\n\nThe operating footprint is intentionally regional: the agency does not advertise state-wide or national servicing capabilities and has no satellite offices disclosed. There is no mention of proprietary technology, agency management platform, or data analytics stack beyond standard carrier-provided tools. The agency's competitive position rests on local relationships, multi-carrier access, and tenure rather than scale, technology, or product innovation.

Name

Terry Jones Insurance Agency

Legal name

Terry Jones Insurance Agency

Website

https://terryjonesagency.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Terry Jones Insurance Agency is a family-owned independent insurance agency in Sherman, Texas, offering auto, home, life, commercial, and pet insurance to individuals and small businesses across four North Texas counties through approximately fifteen carrier partnerships.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAMAA

Personal Auto Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

SECONDARYFSAJAKAD

General Liability Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Pet Insurance

Keywords

• Independent insurance agency
• Auto insurance
• Homeowners insurance
• Life insurance
• Commercial property insurance

Headquarters

HQ city

Sherman

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

Revenue model

1. Insurance Commissions: The agency earns commissions from insurance carriers (Progressive, Mercury, Germania, Foremost, Safeco, Columbia Lloyds, Kemper, Liberty Mutual, Midland National, US Assure, Texas Mutual, Travelers, National Lloyds, Bristol West, Geico) for policies placed. This is a standard independent insurance agency revenue model where the agency receives a percentage of premiums written.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Terry Jones Insurance Agency is a family-owned, independent insurance agency that sells personal and small commercial insurance products on behalf of multiple carriers including Progressive, Germania, Mercury, Foremost, Safeco, Liberty Mutual, Travelers, and others. The agency offers auto, homeowners, life, commercial property, and pet insurance coverage, shopping its carrier partners to find competitive rates for customers in North Texas.

Product overview

Terry Jones Insurance Agency operates as an independent insurance agency offering a portfolio of four core insurance products: Auto Insurance, Homeowner's Insurance, Life Insurance (including whole life, term life, and annuities), and Commercial Property Insurance. The agency also provides Pet Insurance as an add-on product. The agency acts as an authorized agent for multiple insurance carriers including Progressive, Mercury Insurance, Germania Insurance, Foremost Insurance Group, Safeco, Columbia Lloyds, Kemper, Liberty Mutual, Midland National, US Assure, Texas Mutual, and Travelers, allowing them to shop different carriers to find optimal coverage options for customers. The product architecture is a traditional independent agency model where agents provide personalized service and quote comparison across multiple carrier partnerships rather than a single proprietary platform.

Differentiator

Problem solved

Functional benefit

Named customers7 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core and minor.

• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier offering auto, home, and other personal insurance products. Terry Jones Agency is an authorized agent for Progressive, offering their products to customers in the North Texas market.
• Germania InsurancecoreChannel Partner/ Reseller/ DistributorTexas-based insurance carrier offering home, auto, and other personal insurance. Germania is prominently featured as a partner with a Texas flag and handshake logo, indicating a strong regional partnership.
• Mercury InsuranceminorChannel Partner/ Reseller/ DistributorNational insurance carrier known for competitive auto and home insurance rates. Agency offers Mercury products to customers seeking affordable coverage options.
• Foremost Insurance CompanyminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier offering coverage for mobile homes, motorcycles, and other niche products. Provides specialized coverage options not available from standard carriers.
• Safeco Insurance (Liberty Mutual)minorChannel Partner/ Reseller/ DistributorPart of Liberty Mutual Group, Safeco offers personal insurance products. Agency offers Safeco as part of their carrier portfolio for customers seeking Liberty Mutual products.
• Columbia Lloyds InsuranceminorChannel Partner/ Reseller/ DistributorRegional insurance carrier offering property and casualty insurance products in the Texas market.
• KemperminorChannel Partner/ Reseller/ DistributorSpecialty insurance provider offering auto, home, and life insurance products. Agency offers Kemper products as part of their carrier network.
• Liberty Mutual InsuranceminorChannel Partner/ Reseller/ DistributorMajor national insurance carrier offering a wide range of personal and business insurance products through independent agents.
• Midland NationalminorChannel Partner/ Reseller/ DistributorSammons Financial Group company offering life insurance and annuity products. Agency offers Midland National life insurance and annuity products for estate planning and retirement needs.
• US AssureminorChannel Partner/ Reseller/ DistributorInsurance provider offering commercial and personal insurance products through independent agents.
• Texas MutualminorChannel Partner/ Reseller/ DistributorTexas-based workers compensation insurance specialist. Agency offers Texas Mutual products for business customers needing workers comp coverage.
• Travelers InsuranceminorChannel Partner/ Reseller/ DistributorMajor national commercial and personal insurance carrier. Agency offers Travelers products as part of their comprehensive carrier network.
• National Lloyds InsuranceminorChannel Partner/ Reseller/ DistributorProperty and casualty insurance carrier offering products through independent agents in the Texas market.
• Bristol West InsuranceminorChannel Partner/ Reseller/ DistributorAuto insurance carrier offering non-standard auto insurance products for higher-risk drivers.
• Geico InsuranceminorChannel Partner/ Reseller/ DistributorGovernment Employees Insurance Company, one of the largest auto insurers in the US. Agency offers Geico products for customers seeking competitive auto rates.

Scale indicators2 records

Recent moves5 records

Expansion highlights2 records

Direct peers

• Goosehead Insurance: Public, franchise-driven independent insurance agency distributing personal and small-commercial lines through multiple carrier appointments — the same multi-carrier independent-agent model as Terry Jones Insurance Agency, but at national scale.
• Brightway Insurance: Franchise-based independent insurance agency network representing multiple carriers across home, auto, and commercial lines — directly comparable to the multi-carrier independent agency model operated by Terry Jones.

Broad incumbents

• HUB International: Large North American insurance brokerage offering personal, commercial, and specialty placements — represents the scaled, multi-carrier brokerage model that the agency's independent approach aspires toward.
• Brown & Brown Insurance: Public insurance brokerage distributing personal and commercial coverage through multiple carriers — the institutional analogue to a multi-carrier independent agency.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm placing coverage across numerous carriers — exemplifies the scaled end-state of the multi-carrier distribution model the agency operates in.
• Burns & Wilcox: Specialty insurance brokerage distributing niche personal and commercial products through independent agents — comparable as a multi-carrier intermediary serving complex/specialty risks that exceed standard carrier appetite.

Others

• Trusted Choice: National network/marketing brand for independent insurance agents representing multiple carriers — directly aligns with how Terry Jones Insurance Agency positions itself as an independent agent to consumers.

Emerging players

• The Zebra: Digital insurance comparison platform enabling consumers to shop auto and home rates across carriers — an indirect competitor that disintermediates the independent agent on standard personal lines.
• SmartFinancial: Online insurance marketplace comparing quotes across multiple carriers for auto, home, and other personal lines — competes with the agency's distribution model on convenience and breadth.
• Insurance.com (by QuinStreet): Online insurance comparison and quote-generation platform shopping multiple carriers — competes with the agency for digital-first auto/home shoppers in its North Texas footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/TerryJInsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Terry Jones Insurance Agency