KWS Insurance

What KWS Insurance does

KWS Independent Insurance Services Inc., doing business as KWS Insurance, is an independent insurance agency founded in 2008 and headquartered at 2400 N Main St, Suite G, Clovis, New Mexico. The firm operates as a multi-carrier broker for personal, commercial, health, and specialty insurance lines serving individuals, families, small and large employers, and seniors across Eastern New Mexico, with a stated emphasis on the Cannon Air Force Base military community. Products span homeowners, auto, life, renters, landlord, flood, condo, umbrella, recreational vehicles, commercial auto, business, earthquake, disability, critical illness, ACA Marketplace, Medicare, group benefits, and travel insurance.

The agency runs on a relational, sales-led model powered by third-party technology: EZLynx for comparative multi-carrier quoting, the Safeco client portal for personal-line policy management, and carrier-specific portals (Delta Dental, VSP, Pivot Health, GeoBlue) for specialty lines. An eight-person team of licensed Life & Health and Property & Casualty agents, a CSR, and a bookkeeper delivers the service, with bilingual English/Spanish capability. Distribution is omnichannel via phone, website quote forms, EZLynx, and in-person consultations, supplemented by content marketing (blog, monthly "Our Hometown Magazine"), social media, and a referral rewards program that donates $10 per quote to rotating community causes.

Revenue is generated almost entirely through carrier commissions on quoted and bound policies across the multi-line portfolio; pricing is per-risk and not publicly disclosed. Beyond core insurance, KWS bundles community-engagement layers — a Concierge directory of vetted local businesses, a rewards program with quarterly prize drawings, and 90-day rotating nonprofit cause partners such as Hope Children's Home, Meals on Wheels Clovis, and Habitat for Humanity — that function as retention and referral mechanics rather than revenue streams. No public funding, institutional investment, parent company, or holding structure is indicated.

Name

KWS Insurance

Legal name

KWS Independent Insurance Services Inc.

Website

https://kwsinsurance.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

KWS Insurance is an independent, multi-carrier insurance agency in Clovis, New Mexico, offering personal, commercial, health, Medicare, and travel policies to individuals, families, employers, and seniors across Eastern New Mexico, with bilingual service and a community-cause rewards program.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industries

Standalone Critical Illness Insurance (FSAIAKAA), Standalone Cyber Liability Insurance (FSAJAOAA), Standalone Umbrella Liability (FSAJANAE)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial insurance brokerage
• Multi-carrier insurance quotes
• Life and health insurance

Headquarters

HQ city

Clovis

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: The agency earns commissions from selling and servicing insurance policies across multiple carriers for home, auto, life, health, and business insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

KWS Independent Insurance Services Inc. operates as an independent insurance brokerage selling and servicing personal, commercial, life, health, Medicare, and specialty insurance policies sourced from 10+ carriers in Clovis, NM and Eastern New Mexico. The agency earns carrier commissions on policies placed and supplements this with community-engagement services including a local business Concierge directory, a referral Rewards program, and a monthly community magazine.

Product overview

KWS Independent Insurance Services is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency provides personal lines (homeowners, auto, life, renters, landlord, flood, condo, umbrella), commercial lines (business, commercial auto, earthquake), recreational vehicles (motorcycle, RV, boat), health and employee benefits (ACA marketplace, Medicare, disability, critical illness, group benefits), and travel insurance. As an independent agency, they quote from multiple carriers to find optimal coverage. Beyond insurance, they offer a Concierge Program directory of local businesses, a monthly community magazine, and a Rewards Program that donates to community causes for each referral. The agency specializes in serving Eastern New Mexico including the military community at Cannon Air Force Base.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Coverage protecting homes, property, and families against damages, losses, and liabilities, sold to homeowners in Eastern New Mexico.
• Auto Insurance Financial protection for vehicles, passengers, and pedestrians including liability and collision coverage, offered to personal auto owners in the region.
• Life Insurance Life insurance policies including term life, whole life, and final expense insurance, tailored to protect families throughout various life events. The agency was recognized as a 2022 Top Life Insurance Company in New Mexico by Expertise.com.
• Business Insurance Comprehensive business coverage for property, liability, commercial auto, earthquake, Employment Practices Liability Insurance, and Cyber Liability Insurance, sold to business owners and employers.
• Renters Insurance Coverage for personal belongings and liability protection for tenants renting homes or apartments.
• Landlord Insurance Property protection and liability coverage designed for rental property owners.
• Flood Insurance Coverage for property damage caused by flooding, supplementing standard homeowners policies.
• Condo Insurance Protection for condominium owners covering personal property, liability, and unit improvements.
• Umbrella Insurance Additional liability coverage that extends beyond standard policy limits for personal and business protection.
• Recreational Vehicle Insurance Coverage for RVs including motorhomes, travel trailers, and camper vans.
• Motorcycle Insurance Insurance coverage for motorcycles, ATVs, and related vehicles.
• Boat Insurance Coverage for watercraft including boats, yachts, and personal watercraft.
• Commercial Auto Insurance Vehicle coverage for businesses including Hired and Non-Owned Auto Liability protection.
• Earthquake Insurance Specialized coverage for property damage resulting from earthquakes.
• Disability Insurance Income protection coverage for individuals unable to work due to illness or injury.
• Critical Illness Insurance Financial protection for specified serious medical conditions and related expenses.
• Group Employer-Employee Benefits Specialized group coverage options including employer-employee benefit plans and workplace supplemental benefits for businesses and their workforces.
• ACA Marketplace Health Insurance Affordable Care Act marketplace health insurance plans for individuals and families.
• Medicare Coverage Medicare plans including Medicare Advantage Prescription Drug (MAPD) plans for seniors.
• Dental Insurance Dental insurance products offered through Delta Dental for individuals and families.
• Vision Insurance Vision insurance products offered through VSP Vision Care for individuals and families.
• Short-Term Health Insurance Short-term health insurance products offered through Pivot Health.
• Travel Insurance Coverage for travelers including trip cancellation, medical emergencies, and international travel protection through GeoBlue (Voyager Single Trip and Navigator Student/Faculty plans).

Quantifiable outcome

• Customer reports saving around 80% on car insurance by switching through KWS

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• EZLynxcoreTechnology or IntegrationInsurance quoting platform integration allowing the agency to provide comparative quotes from multiple insurance carriers quickly and efficiently for customers
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorSafeco provides personal insurance products (auto, home, umbrella) that KWS sells and services as an independent agent; includes client portal access
• Delta DentalminorChannel Partner/ Reseller/ DistributorDental insurance products offered through the agency for individual coverage
• VSP Vision CareminorChannel Partner/ Reseller/ DistributorVision insurance products offered through the agency for individual coverage
• Pivot HealthminorChannel Partner/ Reseller/ DistributorShort-term health insurance products offered through the agency
• GeoBlueminorChannel Partner/ Reseller/ DistributorTravel and medical insurance products including Voyager Single Trip and Navigator Student/Faculty plans offered to customers
• Hope Children's HomecoreStrategic or Co-development PartnerLong-term community cause partner receiving $10 donations per customer referral; organization provides care for orphaned, abandoned, and abused children since 1968
• Meals on Wheels CloviscoreStrategic or Co-development PartnerCommunity cause partner supported through referral donations; organization delivers nutritious meals to seniors with wellness checks

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Lemonade: Tech-driven direct-to-consumer insurance carrier using AI-driven underwriting and mobile app. Represents the digital-native competitive risk to traditional independent agencies in personal lines.
• GEICO: Direct-to-consumer auto and home insurer bypassing agents entirely. Key structural threat to independent agencies as it captures price-sensitive customers with low-cost online distribution.
• State Farm: Largest U.S. personal-lines insurer with captive agent distribution. Represents the captive-agent alternative KWS competes against, with broader geographic and product scale.

Direct peers

• Brightway Insurance: Franchise-based independent insurance agency network offering home, auto, life, and commercial coverage from multiple carriers. Directly comparable independent-agency distribution model.
• Goosehead Insurance: Publicly-traded independent insurance agency distributing P&C and life products through carrier partnerships across multiple U.S. markets. Closely comparable multi-carrier distribution model to KWS, just at vastly greater scale.
• eHealth: Online insurance marketplace focused on Medicare, ACA, and individual health/ancillary products. Comparable to KWS's ACA and Medicare brokerage offering, though at much larger scale and digital-only.
• Insurance Office of America: Large independent insurance brokerage offering personal, commercial, and employee benefits across multiple carriers. Similar multi-line independent agency model; relevant for benchmarking larger-scale peers.
• SelectQuote: Direct-to-consumer insurance distribution platform specializing in life, Medicare, and supplemental health products via multi-carrier comparison. Comparable to KWS's Medicare/health brokerage segment, with William Washington having previously worked there.
• Houchens Insurance Group: Multi-state independent insurance agency offering personal, commercial, life, and health products. Compares on multi-line independent agency model and similar product breadth.
• The Partners Group: Independent insurance and financial services firm distributing P&C, employee benefits, and personal lines through multi-carrier arrangements. Compares on independent-brokerage structure and broad product mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/KWSInsurance
• LinkedInlinkedin.com/company/kws-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 KWS Insurance