Harris, Reed & Seiferth Insurance Group

What Harris, Reed & Seiferth Insurance Group does

Harris, Reed & Seiferth Insurance Group is an independent insurance agency founded in 2017 and headquartered at 6650 W. Indiantown Rd., Jupiter, Florida. The agency is privately held, employs 1-10 people, and is structured as a Florida corporation. Its commercial spine is a marine insurance practice spanning eight specialized lines: marine charters and commercial fishing, marine artisans, marine contractors, boat builders, boat dealers and yacht brokers, marina operators and boat yards, watercraft rentals, and ocean cargo. The marine practice is anchored by access to the Lloyd's specialty market, enabling high-capacity placements including up to $100M for ocean cargo and $25M for marine builder's risk.

The agency supplements its marine anchor with a broad portfolio of personal lines (home, condo, renters, mobile home, flood, auto, motorcycle, ATV, RV, boatowners, umbrella, life, health, dental, vision, disability, long-term care, Medicare supplement, travel) and commercial lines (business, commercial auto, workers compensation, events, international business, aviation, private horse owner liability). Customer service is delivered through three primary channels: a website-based quote-request system covering all products, phone and walk-in consultations at Jupiter headquarters, and an online service center where policyholders self-serve proof-of-insurance requests, address changes, additional insureds, and cancellations.

The business model is commission-based: the agency earns carrier commissions for placing and renewing policies across its multi-carrier book, including the Lloyd's market routed to authorized intermediaries and direct customers. Go-to-market is sales-led, combining direct website and phone acquisition, online service-center retention, content marketing and SEO, a referral program with gift-card incentives, organic social (Facebook), Google My Business, and on-site presence at industry events such as the Fort Lauderdale International Boat Show. The customer base is dominated by SMB marine professionals (artisans, contractors, builders, dealers, charters, guides, marine schools, hired captains) supplemented by individual consumers and broader marine businesses in South Florida, with an additional international commercial marine clientele.

Name

Harris, Reed & Seiferth Insurance Group

Legal name

Harris, Reed & Seiferth Insurance Group, Inc.

Website

https://harrisreedandseiferthinsurancegroup.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Harris, Reed & Seiferth Insurance Group is an independent insurance agency founded in 2017 in Jupiter, Florida, specializing in commercial marine insurance for marine professionals and businesses, while offering personal and commercial lines through multiple carriers including the Lloyd's market.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency (Marine and Personal/Commercial Lines)

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Marine Specialty (Hull/P&I/Cargo) (FSAJAGAJ)

akta.pro secondary industries

Ocean Marine Insurance (Hull, Cargo & Freight) (FSAJAHAA), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB), Aviation Hull Insurance (FSAJAHAC), Yacht & Pleasure Craft Insurance (FSAJAHAI)

Keywords

• Marine insurance
• Commercial marine coverage
• Boatowners insurance
• Independent insurance agency
• Personal lines insurance

Headquarters

HQ city

Jupiter

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: As an independent insurance agency, Harris, Reed & Seiferth Insurance Group earns commissions from insurance carriers for placing and renewing insurance policies. Offers products from a range of insurers including the Lloyd's market to authorized and registered intermediaries and direct to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Harris, Reed & Seiferth Insurance Group is an independent insurance agency that places commercial and personal insurance policies with multiple carriers. It is specialized in marine insurance — covering marine contractors, artisans, boat builders, dealers and yacht brokers, marina operators, watercraft rentals, charters and commercial fishing, and ocean cargo — while also offering property, vehicle, life, and medical coverages for individuals and businesses. Revenue is generated through carrier commissions on placed and renewed policies, with access to specialty capacity including the Lloyd's market.

Product overview

Harris, Reed & Seiferth Insurance Group is an award-winning independent insurance agency founded in 2017, specializing in marine insurance while offering a comprehensive portfolio of personal and commercial insurance products. The company's core strength lies in its Commercial Marine insurance suite, which includes eight specialized products: Marine Charters/Commercial Fishing/Hired Captains Insurance, Marine Artisan Insurance, Marine Contractor Insurance, Boat Builders Insurance, Boat Dealers & Yacht Brokers Insurance, Marina Operators and Boat Yards Insurance, Watercraft Rentals Insurance, and Ocean Cargo Insurance. The agency complements its marine expertise with extensive personal lines (home, auto, life, health, dental, vision, disability, long-term care, Medicare supplement, travel, and umbrella insurance) and commercial insurance products (business, commercial auto, workers compensation, events, international business, aviation, and equestrian liability). As an independent agency, they represent multiple insurance carriers including Lloyd's market to provide tailored coverage solutions for marine professionals, businesses, and individuals.

Differentiator

Problem solved

Functional benefit

Products and services

• Marine Charters, Commercial Fishing & Hired Captains Insurance Specialty markets and coverage for commercial watercraft risks, including commercial fishing, charters, water taxis, dinner cruises, guided tours, and hired captains performing captain services. Covers vessels up to 24 feet for sport fishing, sightseeing, and hunting guides.
• Marine Artisan Insurance Coverage for underwater boat bottom cleaning, installation, repair, and service work on private and commercial watercraft. Targets marine artisans performing cleaning, detailing, repair, and refurbishing services.
• Marine Contractor Insurance Coverage for marine contractors performing construction, maintenance, service, and repair for waterfront homeowners, businesses, small marinas, and municipalities. Covers dredging, dock construction, and marine pile driving.
• Boat Builders Insurance Coverage for loss or damage to vessels during construction, including marine builder's risk insurance with capacity up to $25M. Covers shipyards, workboats, research vessels, tugs, and coastal tankers through final delivery including launching and sea trials.
• Boat Dealers & Yacht Brokers Insurance Coverage for boat dealers and yacht brokers against liability exposures including property damage to inventory, customer injuries, service department liabilities, premises, docks, demo rides, and product liability. Protects boats, motors, and equipment for sale.
• Marina Operators and Boat Yards Insurance Coverage for marina operators and boat yards against liability from maintaining facilities, including protection for private pleasure craft and small commercial watercraft in their care, custody, and control.
• Watercraft Rentals Insurance Flexible coverage options for owners of watercraft rental facilities. Covers canoes, kayaks, houseboats, paddle boards, personal watercraft, pontoons, runabouts, ski boats, and yacht rental brokers.
• Ocean Cargo Insurance Marine cargo insurance covering physical loss or damage to goods during international transit with capacity up to $100M. Includes domestic transit, warehouse storage, and worldwide coverage options with flat, non-auditable premiums.
• Boatowners Insurance Insurance coverage for boat owners including personal watercraft (jet skis/PWCs). Protects vessels against damage, liability, and provides coverage for recreational boating risks.
• Personal Property and Vehicle Insurance Suite Personal property and vehicle insurance bundle including home, condo, renters, mobile home, landlords, flood, builder's risk, personal auto, classic car, motorcycle, ATV, snowmobile, RV, golf cart, scooter, and umbrella coverage. Designed for individuals and families seeking multi-line personal coverage.
• Life, Medical, and Personal Specialty Insurance Suite Suite of life, medical, and personal specialty coverages including life insurance, travel, health, dental, vision, critical illness, disability, long-term care, and Medicare supplement plans offered to individuals and families.
• Business Insurance General business coverage including commercial general liability, property, and risk management solutions for businesses outside the marine trade.
• Commercial Auto Insurance Coverage for business vehicles, fleets, and commercial auto liability for non-marine commercial operations.
• Workers Compensation Insurance Coverage for employee workplace injuries, including USLH (United States Longshore and Harbor Workers) coverage options for businesses with marine and waterfront employees.
• Events Insurance Coverage for special events including weddings, with protection for vendors, venues, and event organizers.
• International Business Insurance Coverage for businesses with international operations and global risk exposures, leveraging access to the Lloyd's market.
• Aviation Insurance Specialty coverage for aircraft owners, pilots, and aviation-related businesses.
• Private Horse Owner Liability Insurance Specialty liability coverage for private horse owners for personal equine exposures.

Quantifiable outcome

• Ocean cargo coverage capacity up to $100M
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Lloyd's MarketcoreOthersAccess to Lloyd's market insurance products through the agency. The company is described as offering products from a range of insurers including the Lloyd's market to authorized and registered intermediaries and direct to customers. Lloyd's provides specialty insurance capacity particularly valuable for marine and international business insurance coverage.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• RPS (Risk Placement Services): Wholesale broker and specialty MGA with strong marine capabilities including ocean cargo, marine liability, yacht, and boat dealer programs. Directly comparable as a marine specialty distribution partner.
• Brown & Riding Insurance Services: Specialty insurance brokerage with deep marine practice including hull, P&I, cargo, marina, and boat dealers coverage. Operates as a wholesale/specialty intermediary for marine risks comparable to Harris Reed & Seiferth's commercial marine book.
• Worldwide Facilities: National wholesale insurance broker specializing in marine, property, and specialty lines. Comparable as a marine specialty wholesaler handling hull, cargo, marina, and marine liability placements.
• Burns & Wilcox: Specialty insurance wholesale broker and MGA with marine practice covering cargo, hull, yacht, marina, and marine liability. Directly comparable as a marine specialty placement partner for independent retail agents and direct marine clients.
• Heffernan Insurance Brokers: Mid-sized independent insurance brokerage with marine and personal/commercial lines. Comparable as an independent agency of similar size and structure offering marine specialty alongside broad personal/commercial products.

Broad incumbents

• Acrisure: Global insurance brokerage with marine specialty practices and significant retail agency network. Comparable as a larger-scale insurance brokerage offering marine placements alongside broad personal/commercial lines.
• Foundation Risk Partners: Large Florida-headquartered independent insurance agency network with broad commercial and personal lines. Comparable as a larger-scale Florida independent agency competing for marine and SMB clients in the same geography.
• Insurance Office of America (IOA): Large Florida-based independent insurance agency offering broad personal and commercial lines including marine. Comparable as a larger regional independent agency competing for the same South Florida customer base.
• Marsh Specialty (Marine Practice): Global brokerage with dedicated Marine and Cargo practice placing ocean marine, marine liability, and yacht risks. Comparable as a marine specialty provider operating at much larger scale with similar product lines.

Emerging players

• One80 Intermediaries: Specialty insurance intermediary platform with marine capabilities built through M&A. Comparable as a growing specialty platform offering marine placements alongside other specialty lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/hrsinsurancegrp
• Facebookfacebook.com/hrsinsurancegroup

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Harris, Reed & Seiferth Insurance Group