Harbers Insurance Agency

What Harbers Insurance Agency does

Harbers Insurance Agency is an independently owned insurance agency founded in 1931 and headquartered in Fortuna, California. The agency sells personal and commercial insurance as an independent intermediary, representing multiple carriers rather than being captive to one — including The Hartford, Grange, Safeco, Liberty Mutual, Hanover, and a broader roster of more than twenty carriers spanning national and regional providers. It is licensed in six states (Arizona, California, Idaho, Indiana, Oregon, and Texas) and operates a service center handling claims reporting, billing, ID cards, certificates, policy reviews, and policy changes for existing clients.

The agency offers a broad product portfolio: on the personal side, home, auto, individual health, life, umbrella, renters, high-net-worth, classic car, watercraft, earthquake, flood, and special-event coverage; on the commercial side, workers' compensation, business owners, commercial property, commercial umbrella, general liability, cyber liability, environmental, business auto, business interruption, D&O, employment practices liability, and builders risk. It also distributes industry-specific programs across 80+ verticals including logging, contracting, wholesaling, manufacturing, hospitality, healthcare, agriculture, transportation, and religious organizations. Customer acquisition runs through a quote-based model via website forms, phone, walk-in consultations, a formal referral program, and an active Facebook presence, supported by Clickable Coverage® interactive educational graphics.

Harbers makes money exclusively through carrier commissions on policies placed and renewed; pricing is quote-based and not publicly disclosed, with billing typically on a monthly cadence. The agency is family-led, with Bob Walker as President/Partner and Justin Walker as Vice President/Partner, and is affiliated with PacWest Alliance Insurance Services for extended market access. Technology is described as traditional independent-agency operations without proprietary platforms, and the business has no disclosed funding, M&A activity, or external investment.

Name

Harbers Insurance Agency

Legal name

Harbers Insurance Agency

Website

https://harbersins.com

Company type

Private

Founded year

1931

Operating status

Operating

Headcount range

11–50 employees

Short description

Harbers Insurance Agency is an independent, family-owned insurance agency founded in 1931 and headquartered in Fortuna, California. It places personal and commercial insurance across 80+ industry verticals on behalf of 20+ carriers, serving individuals and SMBs in six U.S. states.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Umbrella Insurance (FSAJANAA)

akta.pro secondary industries

Premises/Operations Liability Umbrella / Excess (FSAJANAL), Personal Excess Liability (High-Net-Worth) (FSAJANAF)

Keywords

• Independent insurance agency
• Personal insurance solutions
• Commercial insurance programs
• Multi-carrier insurance brokerage
• Workers compensation coverage

Headquarters

HQ city

Fortuna

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, Infrastructure, Technology or R&D

Revenue model

1. Insurance Commissions: Harbers Insurance Agency earns revenue through commissions paid by insurance carriers for policies placed. As an independent agency representing multiple insurance companies including The Hartford, Grange, Safeco, Liberty Mutual, Hanover, and others, the agency receives commissions when customers purchase or renew insurance policies through their agency.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Harbers Insurance Agency is an independent insurance agency that sells personal and business insurance policies on behalf of multiple carriers. Personal lines include home, auto, life, health, umbrella, renters, special event, and high-net-worth coverage. Business lines include workers' compensation, commercial property, general liability, business owners, commercial umbrella, and industry-specific programs across 70+ sectors. Revenue is earned through carrier-paid commissions on placed and renewed policies.

Product overview

Harbers Insurance Agency is an independent insurance agency established in 1931, offering a comprehensive portfolio of personal and business insurance solutions. The agency provides personal insurance products including home, auto, health, life, and specialty coverage (umbrella, renters, high net worth, classic car, wedding). For business clients, they offer workers' compensation, commercial property, general liability, commercial umbrella, and industry-specific programs covering over 70 sectors including logging, contracting, manufacturing, hospitality, and healthcare. The agency operates as an independent agency representing multiple insurance carriers including The Hartford, Grange, Safeco, Liberty Mutual, and Hanover, allowing them to customize coverage based on policy, service, and price for clients in Arizona, California, Idaho, Indiana, Oregon, and Texas.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal insurance solutions covering home, auto, health, life, and specialty coverage for individuals and families.
• Business Insurance
• Insurance by Industry
• Home Insurance
• Auto Insurance
• Special Event Insurance
• Workers' Compensation Insurance
• Business Owners Insurance
• Commercial Property Insurance
• Commercial Umbrella Insurance
• General Liability Insurance
• Logging Insurance
• Contractor Insurance
• Wholesaler and Distributor Insurance
• Manufacturer Insurance
• Mechanical Contractor Insurance
• Natural Disaster Insurance
• Individual Health Insurance
• High Net Worth Insurance
• Individual Life Insurance
• Renters Insurance
• Umbrella Insurance

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

Seven partnerships are on record, tiered core and secondary.

• The HartfordcoreChannel Partner/ Reseller/ DistributorNational insurance carrier represented by Harbers Insurance Agency. The Hartford provides commercial and personal insurance products that Harbers offers to their customers.
• Grange Insurance AssociationcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier specializing in personal and commercial insurance. Actively promoted on Harbers Insurance Agency website with dedicated page and claims reporting link (800-247-2643).
• SafecosecondaryChannel Partner/ Reseller/ DistributorInsurance carrier brand offered through Harbers Insurance Agency representing personal insurance products.
• Liberty MutualsecondaryChannel Partner/ Reseller/ DistributorNational insurance carrier with personal and commercial insurance products available through Harbers Insurance Agency.
• Hanover Insurance GroupsecondaryChannel Partner/ Reseller/ DistributorInsurance carrier represented by Harbers providing business and commercial insurance products.
• PacWest Alliance Insurance Services, Inc.coreChannel Partner/ Reseller/ DistributorAffiliated agency network partner. Located at 466 W. Fallbrook, Suite 101, Fresno, CA 93711, Phone: 559-319-8903. Provides additional market access and carrier relationships for Harbers Insurance Agency.
• Insurance Carriers (Pay Bill Partners)secondaryChannel Partner/ Reseller/ DistributorAdditional insurance carriers available for bill payment through Harbers service center include: American Modern, AmTrust, Anthem, Blue Shield California, CIG (Capital Insurance Group), CNA Surety, Employers, Foremost, Hagerty, ICW, Kemper, Markel, Nationwide, Progressive, State Compensation Insurance Fund, Travelers, Zenith, and NFIP (National Flood Insurance Program).

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Goosehead Insurance: Independent personal-lines insurance agency franchise representing multiple carriers. Comparable to Harbers because it offers personal lines (home, auto, umbrella, life) across multiple carriers, with a similar revenue model based on carrier commissions.
• Leavitt Group: Independent insurance agency serving rural/regional markets across multiple states. Comparable to Harbers because it represents multiple carriers, focuses on personal/commercial lines with industry-specific programs, and operates with a similar community-anchored agency model.
• Fred C. Church Insurance: Independent insurance agency in New England with personal, commercial, and industry-specific programs. Comparable to Harbers because it operates as a multi-carrier independent agency offering similar industry vertical programs (manufacturing, contractors, hospitality, etc.).
• Insuritas: Provider of embedded insurance agency solutions to banks and credit unions, operating independent multi-carrier agencies. Comparable to Harbers because it runs independent insurance agency operations across multiple carrier partnerships focused on personal and small commercial lines.
• Heffernan Insurance Brokers: California-based independent insurance brokerage offering personal and commercial lines across multiple carriers. Comparable because of multi-carrier independent agency model and West Coast regional concentration similar to Harbers' Northern CA footprint.

Broad incumbents

• Brown & Brown, Inc. Major insurance brokerage and risk management firm operating through a network of agency offices. Comparable to Harbers because it acquires independent agencies and operates them under multi-carrier independent agency structures similar to Harbers' model.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm with broad commercial and personal lines offerings. Comparable to Harbers because it serves mid-market commercial clients with independent-agency-style placements across multiple carriers.
• Hub International: Large North American insurance brokerage providing personal, commercial, and specialty insurance. Comparable to Harbers because it operates an independent-agency-type multi-carrier model with multi-state reach, though at significantly greater scale.

Regional players

• AAA Insurance (CSAA): Insurance agency arm of AAA primarily serving Northern California members with personal auto, home, and umbrella. Comparable to Harbers because of CA-centric personal-lines focus and similar consumer customer segments, though captive to AAA carriers rather than fully independent.
• Capstone Insurance Services: Independent insurance agency operating primarily in the Western US offering personal and commercial lines. Comparable to Harbers because of multi-carrier independent structure and West Coast regional operating geography similar to Harbers' CA/OR/AZ footprint.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/HarbersIns
• LinkedInlinkedin.com/company/harbers-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Harbers Insurance Agency