Holmes and Holmes Insurance Agency

Name

Holmes and Holmes Insurance Agency

Legal name

Holmes & Holmes Insurance Agency, Inc.

Website

https://hhins.net

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro industry

PRIMARYFSAJADAD

Public Liability (Premises/Operations)

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

SECONDARYFSAJAKAH

Property Insurance (Homeowners, Renters & Commercial Property)

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

SECONDARYFSAJADAE

Employer’s Liability

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

SECONDARYFSAJADAF

Directors & Officers (D&O) Liability

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

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Farm insurance coverage
• Personal lines insurance
• Workers compensation insurance

Headquarters

HQ city

Goleta

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: The agency earns commissions from insurance carriers for placing policies. As an independent agency, they represent multiple insurance carriers and earn commissions on each policy sold through their carrier network.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Holmes & Holmes Insurance Agency is a family-owned independent insurance agency that brokers personal, commercial, farm, and specialty insurance products on behalf of clients. As an independent agency, it represents more than 40 insurance carriers and matches clients with coverage from multiple providers. Licensed agents deliver consultative, in-person risk management services across personal lines, business, farm, contractors, nonprofits, and niche industries.

Product overview

Holmes & Holmes Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products and services. Their core offerings include Business Insurance (encompassing Commercial Property, General Liability, BOP, Workers Compensation, Commercial Auto, and Umbrella), Personal Lines (Auto, Homeowners, Motorcycle, Renters), and Farm Insurance (Farm Owners, Livestock, Equine, Equipment, Structures, Auto, Umbrella). They also provide extensive Specialty Trade Programs covering over 25 industries including Contractors, Construction, Healthcare, Law Firms, Technology Services, and Water Districts. Additional services include Bonds (Surety, Fidelity, ERISA), Loss Control, Marine, Fire Safety resources, and Special Event/Wedding Insurance. The agency operates as a broker representing multiple insurance carriers including AIG, Allstate, Chubb, CNA, Liberty Mutual, Nationwide, Travelers, and Zurich, enabling them to match clients with coverage from various providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Business / Small Business Insurance Comprehensive business insurance protecting against losses during normal operations, including Commercial Property, Commercial General Liability, Business Owners Policy (BOP), Inland Marine, Commercial Auto, Commercial Umbrella, Professional Liability, Workers Compensation, and Crime Insurance. For small startups through established corporations.
• Commercial Auto Insurance Coverage for commercial vehicles including Bodily Injury Liability, Medical Payments, Personal Injury Protection, Comprehensive, Collision, GAP, Uninsured/Underinsured Motorist, and Bailee Coverage.
• Commercial Property Insurance Financial protection for physical assets including buildings, equipment, and inventory against fires, theft, and natural disasters.
• Commercial Umbrella Insurance Additional liability coverage layer exceeding limits of existing General, Auto, or other business liability policies for major lawsuits and accidents.
• Contractors Insurance Collection of policies for construction risks including General Liability, Workers Compensation, Commercial Auto, Tools and Equipment Coverage, and Contractor's Bonding.
• Construction Insurance Multi-policy coverage for contractors and builders managing losses from accidents, property damage, injuries, and job-related risks including General Liability, Workers Compensation, Builders Risk, Commercial Auto, Contractors Equipment, and Professional Liability.
• Farm Insurance Agricultural coverage including Farm Owners, Farm Livestock, Equine, Farm Equipment, Farm Dwelling, Farm Structures, Farm Auto, Farm Umbrella, and Farm Liability Insurance.
• Commercial General Liability Insurance Protection against financial losses from lawsuits including Premises Liability, Products and Completed Operations, Premises Medical, Fire Legal Liability, Casualty Coverage, Garagekeepers Liability, and Employment Practices Liability.
• Non-Profit Insurance Insurance package for nonprofit organizations covering General Liability, Directors and Officers Liability, Property Damage, Employment Practices Liability, and Workers Compensation.
• Self-Storage Insurance Coverage for self-storage businesses including General Liability, Commercial Property, Business Interruption, Workers Compensation, and Commercial Umbrella Insurance.
• Workers' Compensation Insurance Coverage for employees who become sick or injured from work-related activities, covering medical expenses, lost wages, and legal fees.
• Loss Control Insurance Services Loss prevention services including safety program development, safety training, and customized loss prevention materials and risk management services.
• Marine Insurance Inland and ocean marine coverage for businesses transporting property, including Property Insurance, Loss Control Services, General Liability, and Umbrella Coverage.
• Fidelity Bonds Protection against theft and dishonesty covering ERISA Bonds, Employee Dishonesty Bonds, and Business Service Bonds.
• Surety & Fidelity Bonds Bond and license services including Performance Bonds, Contractor's Bonds, ERISA Bonds, Fiduciary Bonds, Sub-Division Bonds, Court Bonds, Conservator Bonds, Surety Bonds, Public Officials, and Liquor Licenses.
• Personal Lines Insurance Individual and family insurance protection including homeowners, auto, renters, umbrella, and other property and casualty coverage.
• Auto Insurance Vehicle coverage including Collision, Liability, Medical Payments, Uninsured/Underinsured Motorist, and Comprehensive Insurance.
• Homeowners Insurance Package policy covering damage to property, liability, and legal responsibility for injuries and property damage caused by family members.
• Motorcycle Insurance Coverage for motorcycles including liability protections, uninsured motorist coverage, property damage, and roadside assistance.
• Renters Insurance Protection for tenants covering personal belongings against damage and liability for injuries or property damage caused to others.
• Apartment / Landlord Insurance Landlord insurance covering structural elements and common areas of apartment buildings, with guidance on requiring tenant renters insurance.
• Specialty Trade Insurance Programs Industry-specific insurance programs for Accounting Firms, Alarm Contractors, Arborists, Craft Breweries, Financial Institutions, Healthcare Facilities, Healthcare Practices, Law Firms, Life Sciences, Limousine Services, Maintenance Contractors, Manufacturers, Media & Advertising, Orthotics & Prosthetics, Pool & Spa, Printers & Publishers, Railroad Contractors, School Bus Contractors, Scrap Metal, Septic Contractors, Technology Services, Tow Trucks, Water Well Drillers, and Water Districts.
• Farm Owners / Farmers Insurance All-inclusive customizable insurance solution covering dwelling, personal property, other structures, and comprehensive liability for farms and ranches.
• Equine Insurance Coverage for horses including Full Mortality and Theft, Major Medical, Loss of Use, and Stallion Infertility Insurance.
• Farm Equipment Insurance Coverage for equipment breakdown, mechanical failure, power surges, and operator error including heating/cooling systems, production equipment, boilers, pumps, and electrical systems.
• Farm Dwelling Insurance Protection for farm homes and attached structures covering damages from covered incidents, with options for personal property and additional living expenses.
• Farm Structures Insurance Coverage for agricultural buildings including barns, stables, equipment sheds, grain bins, silos, greenhouses, livestock shelters, and storage buildings.
• Farm Auto Insurance Industry-specific commercial auto coverage for farm vehicles including trucks, pickup trucks, utility vehicles, ATVs, trailers, and produce/livestock haulers.
• Farm Umbrella Insurance Extra liability protection layer for farms extending beyond standard farm, ranch, auto, or other underlying policies.
• Additional Insurance Services Extended services including Wedding Insurance, Special Event Insurance, Notary Services, License Services, and Permit Services.
• Special Event & Wedding Insurance Coverage for event cancellation due to adverse weather, natural disasters, or key participant illness, including vendor failure, gown/tuxedo, gift theft, and honeymoon cancellation.
• Water District Insurance Comprehensive protection for water utilities combining traditional business insurance with industry-specific coverage including Blanket Property Limits, Pollution Liability, Water & Wastewater Testing E&O, and Dam & Levee Failure Liability.
• Fire Safety Resources Wildfire protection resources including defensible space guidance and fire mitigation information for homes and communities.

Named customers9 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

39 partnerships are on record, tiered core and minor.

• AllstatecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal and commercial insurance products. One of 40+ carriers represented.
• AmWINScoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Anderson & MurisoncoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• ArrowheadcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• California MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Charity FirstcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in nonprofit coverage. One of 40+ carriers represented.
• ChubbcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance. One of 40+ carriers represented.
• CNA Insurance CompaniescoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Deans & HomercoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• EmployerscoreChannel Partner/ Reseller/ DistributorWorkers' compensation insurance carrier partner. One of 40+ carriers represented.
• Financial PacificcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Glatfelter InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Great AmericancoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Grundy InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• GuardcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner (Berkshire Hathaway subsidiary). One of 40+ carriers represented.
• ICW GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• J.C. TaylorcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• K&K InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance. One of 40+ carriers represented. Primary farm insurance carrier.
• Markel InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Midwest InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• NationwidecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented. Primary farm insurance carrier.
• Omaha NationalcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Philadelphia Ins Co.coreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Preferred EmployerscoreChannel Partner/ Reseller/ DistributorWorkers' compensation insurance carrier partner. One of 40+ carriers represented.
• SafecocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• State FundcoreChannel Partner/ Reseller/ DistributorCalifornia State Compensation Insurance Fund - workers' compensation carrier partner. One of 40+ carriers represented.
• Stuckey & Co.coreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• The HartfordcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• The Mahoney GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• TravelerscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented. Primary farm insurance carrier.
• UCAcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• ZenithcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Zurich InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of 40+ carriers represented.
• Santa Barbara South Coast Chamber of CommerceminorOthersCommunity membership organization supporting local businesses in the Santa Barbara area.
• Santa Barbara County Farm BureauminorOthersIndustry association membership connecting the agency with local agricultural community and farm insurance clients.
• United Boys & Girls Club of Santa BarbaraminorOthersCommunity nonprofit organization the agency supports through involvement.
• International Association of Insurance ProfessionalsminorOthersProfessional industry association providing networking and professional development resources.
• National Federation of Independent BusinessminorOthersSmall business advocacy organization supporting independent business interests.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Heffernan Insurance Brokers: California-based independent insurance brokerage serving commercial and personal lines clients with multi-carrier representation, specialty industry programs, and consultative service — a closely comparable mid-sized independent agency to Holmes & Holmes.
• Woodruff-Sawyer & Co. West Coast independent insurance brokerage offering commercial and personal lines across multiple states, comparable to Holmes & Holmes in independent agency structure, multi-state licensing, and consultative sales approach.
• Leavitt Group: Network of independent insurance agencies serving Western U.S. states with personal, commercial, and farm insurance; structurally similar to Holmes & Holmes as an independent agency with multi-state operations and niche specializations.
• Higginbotham: Large U.S. independent insurance agency offering commercial, personal, and specialty coverages with multi-carrier representation; comparable in business model to Holmes & Holmes though materially larger in scale.

Broad incumbents

• PCF Insurance Services: Large U.S. insurance agency aggregator acquiring independent agencies and competing for the same carrier relationships and SMB commercial clients as Holmes & Holmes across the West Coast.
• Brown & Brown Insurance: Large publicly traded insurance brokerage with extensive retail operations across the U.S., competing with Holmes & Holmes for commercial and personal lines clients but offering far broader geographic and product breadth.
• Hub International: Major North American insurance brokerage that has acquired many regional independents (including Barney & Barney), competing directly with Holmes & Holmes for mid-market commercial accounts and specialty programs.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm serving commercial and personal lines clients across the U.S., a much larger incumbent competing for the same California-based commercial book as Holmes & Holmes.

Emerging players

• Lemonade Insurance: Digital-first insurance carrier using AI-powered underwriting and mobile-first experience, targeting personal lines customers (home, renters) that Holmes & Holmes serves through traditional channels — represents the disruptive technology competitive threat.
• Next Insurance: Digital-first commercial insurance carrier targeting small businesses (contractors, retail, professional services) with online binding — directly overlaps with Holmes & Holmes' commercial small business book, especially contractors and SMB coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/HolmesAndHolmesInsuranceAgency?fref=ts

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Holmes and Holmes Insurance Agency