Columbia Lloyds

What Columbia Lloyds does

Columbia Lloyds is a privately-held regional property and casualty insurance carrier founded in 1983 and headquartered in Houston, Texas. The company writes residential property insurance as its core line of business, offering homeowners, fire dwelling, farm/ranch, country home, manufactured home, and personal auto products. It operates under a dual-brand structure in which Columbia Lloyds (CLIC) issues homeowner policies and MDOW Insurance Company issues the broader property and auto product portfolio, with both brands distributed exclusively through independent insurance agents in Texas, Oklahoma, and Arkansas.

The company runs a traditional, agent-mediated insurance distribution model with no disclosed mobile application, public API, or digital-native customer channels. Core technology is limited to standard insurance policy administration and claims processing systems, with a basic website that supports agent lookup and a web-based claims reporting form. Revenue is generated through recurring insurance premiums collected from policyholders on annual or monthly terms, with pricing determined per-quote based on coverage limits, deductibles, location, property value, and risk factors; specific pricing is not publicly disclosed.

Columbia Lloyds competes on regional brand familiarity, the local expertise of its independent agent network, and price discipline rather than on product innovation or technology differentiation. The company employs 11-50 people, and no parent company, investor base, or detailed ownership structure is disclosed in available sources. The MDOW brand appears to be an acquired and retained subsidiary, and the relationship between the two brands is presented as an affiliated pairing rather than indicating a separate parent entity.

Name

Columbia Lloyds

Legal name

Columbia Lloyds

Website

https://columbialloyds.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Columbia Lloyds is a privately-held regional property and casualty insurer founded in 1983, offering homeowners, farm/ranch, manufactured home, country home, and personal auto products exclusively through independent agents in Texas, Oklahoma, and Arkansas under the Columbia Lloyds and MDOW brands.

Ownership category

akta.pro rank

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Columbia Lloyds generates revenue through insurance premium payments from policyholders. The company offers property insurance (homeowners, farm/ranch, manufactured homes, country homes) and auto insurance products. Premiums are collected on a recurring basis aligned with policy terms, typically annual or monthly payments.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Columbia Lloyds is a regional property and casualty insurance carrier that underwrites and sells residential property and personal auto insurance policies through two affiliated brands: Columbia Lloyds (CLIC), offering homeowners and fire dwelling coverage, and MDOW Insurance Company, offering replacement cost homeowners, low value dwelling, farm/ranch, country home, manufactured home, personal auto, non-owners, and farm truck coverage. Products are distributed exclusively through independent insurance agents in Texas, Oklahoma, and Arkansas.

Product overview

Columbia Lloyds operates as an insurance company with two distinct product lines: Columbia Lloyds (CLIC) offering homeowner insurance products, and MDOW Insurance Company offering both property and auto insurance products. The Columbia Lloyds portfolio includes Texas Homeowner's Policy (HOA) and Texas Fire Dwelling Policy (TDP) for homeowners. The MDOW property insurance line includes Low Value Dwelling, Replacement Cost Homeowners, Farm/Ranch Insurance, Country Home - Farm and Ranch Coverage, and Manufactured Home Insurance. The MDOW auto insurance line includes Personal Auto, Non-Owner Insurance, and Farm Truck Insurance. Products are distributed through independent agents in Texas, Oklahoma, and Arkansas.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowner Insurance (CLIC brand)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Direct peers

• Foremost Insurance Group: Specialty P&C carrier writing manufactured home, mobile home, farm/ranch, and specialty property coverages nationwide. Highly comparable niche-product focus to Columbia Lloyds' manufactured home and farm/ranch lines.
• Germania Insurance: Texas-based mutual property and casualty insurer writing homeowners, farm/ranch, and auto through independent agents — directly overlapping Columbia Lloyds' product set and Texas distribution footprint.
• Farm Bureau Financial Group: Multi-state farm bureau insurer offering farm/ranch, home, auto, and life products across the Midwest and South Central US including Oklahoma and Arkansas. Closely comparable customer segments and agent distribution model.
• Oklahoma Farm Bureau Insurance: Oklahoma-focused farm bureau mutual insurer writing home, auto, farm/ranch, and commercial coverage through agents in Oklahoma. Directly comparable farm/ranch and residential property focus in one of Columbia Lloyds' core states.
• Texas Farm Bureau Insurance: Texas-based mutual insurer offering farm/ranch, homeowner, and auto coverage through captive and independent agents in Texas. Direct peer to Columbia Lloyds' Texas farm/ranch and residential property focus.

Broad incumbents

• Auto-Owners Insurance: Multi-line regional P&C insurer writing personal and commercial property, auto, and specialty lines through independent agents across 26 states. Overlaps Columbia Lloyds on personal property and auto, but operates at far greater scale and geographic breadth.
• Erie Insurance: Regional P&C insurer offering personal auto, home, and commercial coverage through independent agents across the eastern and central US. Similar independent-agent distribution model and personal-lines product mix, but larger and outside Columbia Lloyds' South Central footprint.
• Heritage Insurance Holdings: Personal property and casualty insurer writing homeowners, condo, rental, and manufactured home coverage, with meaningful catastrophe-exposed state concentration. Overlaps Columbia Lloyds on residential property and manufactured home specialization.
• American Strategic Insurance: Personal property insurer writing homeowners, condo, manufactured home, and flood through independent agents, with significant CAT-exposed state focus. Comparable product mix and independent-agent distribution model to Columbia Lloyds.

Regional players

• Shelter Insurance: Missouri-based regional mutual insurer offering auto, home, farm, and life through captive agents across the central US. Comparable personal-lines product mix and regional mutual-style distribution model, though geographically centered to the north of Columbia Lloyds' footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Columbia Lloyds