8z Insurance

What 8z Insurance does

8z Insurance is a privately held, independent insurance agency founded in January 2000 by Gregory Naber and headquartered in a single office at 190 Arapahoe Ave., Boulder, Colorado. The agency operates as a local broker distributing personal and commercial insurance products on behalf of third-party carriers, serving both individual consumers (homeowners, renters, vehicle owners, life insurance buyers) and small/mid-sized business owners in the Boulder, CO market. No parent company, subsidiaries, external investors, or capital raises are disclosed, and the ownership remains founder-led.

The product portfolio spans four core lines — Home, Life, Auto, and Business insurance — with fifteen plus specialty coverages underneath, including condo, renters, landlord, flood, umbrella, SR22, boat, RV, motorcycle, business owners policies, specialty liability, workers' compensation, small business auto/life, farm & ranch, inland marine, and surety & fidelity bonds. The technology footprint is minimal: the website is a basic WordPress site (copyright dated 2016) with online quote request forms that route to the agency phone line (720-920-9386) and email ([email protected]); there is no proprietary platform, no mobile app, no API, and no disclosed carrier integrations or automation tooling.

The business model is commission-based revenue earned on insurance premiums placed with carriers, with quote-based, monthly-cadence pricing that varies by individual risk factors. Go-to-market is direct-to-consumer through phone, walk-in office consultations (8:00am-5:00pm), and website quote forms, with no disclosed partnerships, marketing channels beyond the company website, or formal referral arrangements — although the site cross-links to sibling 8z-branded properties in real estate, rentals, mortgage, and title services. Headcount is 1-10, and the company is not disclosed to have raised any external funding.

Name

8z Insurance

Legal name

8Z Insurance

Website

https://8zinsurance.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

8z Insurance is an independent, founder-owned insurance agency in Boulder, Colorado, founded in 2000 by Gregory Naber, offering Home, Life, Auto, and Business insurance plus specialty coverages to local consumers and small businesses through phone, walk-in, and website quote channels.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Surety Insurance (6351)

akta.pro primary industry

Guaranteed Issue Term Life Insurance (FSAIAAAG)

akta.pro secondary industries

Guaranteed Issue Whole Life Insurance (FSAIABAG), Umbrella Insurance (FSAJAMAK), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Personal insurance agency
• Commercial insurance brokerage
• Home insurance coverage
• Auto insurance services
• Small business insurance

Headquarters

HQ city

Boulder

HQ country

United States

HQ region

North America

Offices2 records

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 Premiums: 8z Insurance acts as an insurance agency earning commissions from insurance carriers for policies sold to individual and business customers. Revenue is generated through commissions on insurance premiums for Home, Life, Auto, and Business insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

8z Insurance is an independent insurance agency selling personal and commercial insurance policies on behalf of insurance carriers. It offers four core product lines — Home Insurance, Life Insurance, Car Insurance, and Business Insurance — sourced through carriers and distributed to individual and business customers in the Boulder, Colorado region via phone, website quote forms, and in-person office consultations. Revenue is generated by earning commissions on the premiums of the policies sold.

Product overview

8z Insurance is an independent insurance agency offering a comprehensive portfolio of insurance products for individuals and business owners. The core offerings include four main insurance categories: Home Insurance, Life Insurance, Car Insurance, and Business Insurance. Under these core products, the agency provides multiple specialized coverage types including Condo, Renters, Landlord, Flood, Umbrella, and SR22 Insurance for personal lines; and Business Owners Policies, Specialty Liability, Workers' Compensation, Small Business Auto/Life, Farm & Ranch, Inland Marine, and Surety & Fidelity Bonds for commercial lines. The product architecture follows a traditional insurance agency model where the four main product lines serve as the primary categories, with specialized insurance types offered as sub-products or add-on coverage options tailored to specific customer needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Home 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

Scale indicators2 records

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• Allstate: Large national insurer distributing personal lines (home, auto, life) through a captive agent network. Comparable to 8z Insurance on multi-line personal products and agent-driven distribution.
• Hub International: Large North American insurance brokerage providing commercial and personal lines through acquired local agencies. Directly comparable business model (independent brokerage) though at enterprise scale.
• Brown & Brown: National insurance brokerage built by acquiring independent agencies; offers commercial and personal lines. Comparable independent-agency distribution model, representing an aggregated alternative to a single local office like 8z Insurance.
• Acrisure: Large global insurance brokerage aggregator acquiring independent agencies to form a national platform. Comparable as an independent-agency model operator, though at vastly greater scale; represents both a peer and a potential acquirer of 8z Insurance.
• American Family Insurance: Mutual insurer with strong Colorado/Midwest presence selling home, auto, life, and business coverage through local agents. Directly comparable to 8z Insurance in product mix and geographic orientation toward the Colorado market.
• State Farm: National P&C and life insurance carrier operating through a captive agent model. Comparable to 8z Insurance as both sell home, auto, life, and business insurance through local agents serving individual consumers and small businesses.
• Farmers Insurance: National P&C carrier selling home, auto, life, and small business insurance through exclusive agents. Comparable distribution model and product breadth to 8z Insurance.
• Liberty Mutual: National multi-line insurer offering home, auto, life, and small business coverage through a combination of direct, captive agent, and broker channels. Comparable product breadth to 8z Insurance's portfolio.
• Nationwide: Mutual insurance carrier selling home, auto, life, and commercial lines through captive agents and direct channels. Comparable multi-line product offering distributed through local agent relationships.

Direct peers

• Goosehead Insurance: Independent insurance agency franchise operating across multiple U.S. states, offering home, auto, and life insurance through local agents. Closest direct comparable as an independent (non-captive) agency competing on multi-line personal insurance via local agents.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/8z-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 8z Insurance