Gill Insurance

What Gill Insurance does

Gill Insurance is a family-owned independent insurance agency headquartered in Rock Hill, South Carolina, founded in 1961 by Johnny Gill and Clarence Albright. The firm operates through three physical offices in South Carolina — Rock Hill (235 Oakland Avenue, the original headquarters since 1991), Fort Mill (Gill-Holler Insurance), and Mt. Pleasant (Gill Insurance of the Lowcountry) — and sells both personal lines (homeowners, auto, recreational vehicle, personal umbrella, disability, life, long-term care) and commercial lines (property, liability, workers' compensation, commercial auto, commercial umbrella), plus specialty products such as Special Events and Hole-In-One Insurance.

The agency generates revenue through insurance commissions earned by placing and renewing policies with multiple carriers. It holds appointments with 10+ insurance companies including The Hartford, Travelers, Progressive, Auto-Owners, Liberty Mutual, Philadelphia, Safeco, Harford Mutual, UPC, and Heritage, which enables the firm to shop coverage options across carriers on behalf of clients. As a Trusted Choice independent agency, Gill Insurance does not underwrite risk itself; its value proposition rests on carrier breadth, licensed-agent advisory, and local South Carolina market presence, supplemented by digital channels (website with quote forms, Google Reviews, and social media across Facebook, LinkedIn, Twitter, and Instagram).

The firm is small (1-10 employees) and privately held, with no external investors, parent company, or public funding rounds disclosed. The Gill family has maintained continuous ownership across three generations — Johnny Gill (founder), Jim Gill (joined 1989), and Ryan Gill (joined 2017) — and the business is currently hiring an experienced commercial lines account manager, indicating active investment in commercial book growth. There is no evidence of proprietary technology, AI/ML capabilities, or differentiated software; the business operates as a traditional relationship-driven independent agency.

Name

Gill Insurance

Legal name

Gill Insurance Agency

Website

https://gillagencies.com

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

1–10 employees

Short description

Gill Insurance is a family-owned independent insurance agency founded in 1961, operating three offices in South Carolina and selling personal and commercial insurance products on behalf of 10+ major carriers to individuals and local businesses.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency (Property & Casualty, Life, and Commercial Lines)

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industries

Key Person Disability Insurance (FSAIAIAK), Standalone Umbrella Liability (FSAJANAE)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance lines
• Property and casualty insurance
• Multi-carrier insurance broker

Headquarters

HQ city

Rock Hill

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Gill Insurance earns commissions from insurance companies for policies sold and renewed. They represent multiple insurance carriers including The Hartford, Travelers, Progressive, Auto-Owners, Liberty Mutual, Philadelphia, Safeco, Harford Mutual, UPC, and Heritage.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Gill Insurance is a family-owned independent insurance agency that sells personal and commercial insurance policies on behalf of multiple top insurance carriers. Its product suite spans personal lines (homeowners, auto, recreational vehicles, personal umbrella, disability, life, long-term care) and commercial lines (property, liability, workers' compensation, commercial auto, commercial umbrella), plus specialty coverage such as Special Events and Hole-In-One Insurance. The agency earns commissions from carriers by matching customers in South Carolina to coverage from the carriers it represents.

Product overview

Gill Insurance is a family-owned independent insurance agency representing multiple top insurance carriers. The company offers a unified suite of insurance products organized into two main categories: Personal Insurance (homeowners, auto, recreational vehicles, umbrella liability, disability, life, and long-term care) and Commercial Insurance (property, liability, workers' compensation, commercial auto, and umbrella). Additionally, they provide specialty coverage including Special Events Insurance and Hole-In-One Insurance. As a Trusted Choice Agency, they work with carriers including The Hartford, Travelers Insurance, Progressive Insurance, Auto-Owners, Liberty Mutual, Philadelphia Insurance, Safeco, Harford Mutual, UPC, and Heritage to provide customers with options for coverage and pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Coverage for repair or replacement of home and contents when damage occurs from fire, smoke, vandalism, theft, or harsh weather. Sourced through multiple carrier partners for individuals and families.
• Personal Auto Insurance Coverage including comprehensive, collision, gap coverage, uninsured motorist, bodily injury liability, and roadside assistance for individual vehicle owners.
• Recreational Vehicle Insurance Insurance coverage for boats, jet skis, and ATVs providing physical damage protection for accidents or theft.
• Personal Umbrella Liability Extra liability coverage that extends beyond the limits of home, auto, or other liability coverage for additional security.
• Disability Insurance Coverage providing income replacement for individuals totally disabled due to injury or sickness who are unable to work.
• Life Insurance Policy paying a specified amount to a beneficiary upon the policyholder's death, available in term and whole life options.
• Long-Term Care Insurance Coverage for services not covered by regular health insurance, including assistance with daily activities like bathing, dressing, and getting in and out of bed.
• Commercial Property Insurance Coverage helping pay for repair or replacement when business property is lost, damaged, or destroyed.
• Commercial Liability Insurance Coverage for customer injuries, lawsuits, data breaches, and other liability situations that could result in expensive bills.
• Workers' Compensation Insurance Coverage for medical costs and lost wages for work-related injuries and illnesses.
• Commercial Auto Insurance Insurance policy covering vehicles used for business purposes including damage to vehicles, driver injury, and third-party injury/property damage.
• Commercial Umbrella Insurance Extra layer of liability protection covering costs that exceed other liability coverage limits.
• Special Events Insurance Insurance coverage for special events requiring specialized liability and event coverage.
• Hole-In-One Insurance Insurance coverage for hole-in-one prizes at golf events.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core.

• The HartfordcoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.
• Travelers InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.
• Auto-OwnerscoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.
• Philadelphia InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.
• SafecocoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.
• Harford MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.
• UPC (Underwriters Publishing Company)coreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.
• HeritagecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Gill Insurance for personal and commercial lines coverage options provided to customers.

Scale indicators3 records

Recent moves11 records

Expansion highlights4 records

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm. Operates an independent-agency-style model representing multiple carriers for personal and commercial clients, analogous to Gill's GTM at much larger scale.
• Acrisure: Rapidly growing insurance brokerage built largely through acquisition of independent agencies. Demonstrates the consolidator playbook that a small agency like Gill Insurance could either join or pursue itself.
• State Farm (captive agency system): Largest US personal lines carrier operating primarily through captive agents. Direct competitive alternative for South Carolina personal lines customers comparing Gill Insurance against a single-carrier agent.
• HUB International: Large North American insurance brokerage representing multiple carriers across personal and commercial lines. Directly comparable business model to Gill Insurance, but at vastly greater scale and geographic breadth.
• Brown & Brown, Inc. National insurance brokerage and agency operating across personal, commercial, and specialty lines. Comparable as a multi-carrier intermediary, with similar commission-based revenue model and cross-sell emphasis.
• Liberty Mutual (direct + agency): One of Gill's carrier partners and a top-5 US P&C insurer selling through both direct channels and independent agents. Illustrates the dual-channel dynamics Gill navigates as an appointed agent of Liberty Mutual.

Regional players

• The Hannon Group: Multi-line independent insurance agency operating in the Carolinas with personal, commercial, and life lines. Closest direct peer to Gill Insurance in footprint, scale, product mix, and family/independent-agency character.
• Cook & Boardman: Regional commercial-focused insurance and risk services firm active in the Southeast US. Comparable as a multi-line agency with commercial emphasis similar to Gill's stated growth priorities.

Emerging players

• GEICO: Direct-to-consumer auto and home insurer. Represents the disintermediation threat to independent agencies like Gill — competing for the same personal lines customers without an agent intermediary.

Others

• Trusted Choice (Big 'I' network): Network brand under which independent agents like Gill Insurance operate and market collectively. Not a competitor but a directly relevant industry affiliation that defines Gill's positioning.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/GillHollerInsur
• Facebookfacebook.com/profile.php?id=100065192671310
• LinkedInlinkedin.com/company/gill-insurance-agency
• Instagraminstagram.com/GillHollerInsurance

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 Gill Insurance