FSB Insurance
FSB Insurance, operating as Sunstar Insurance Tennessee, is an independent insurance agency founded in 1897 and headquartered in Jackson, TN. It serves families, individuals, and commercial businesses across west and middle Tennessee through eight branch offices, distributing personal, commercial, employee benefits, and surety products via 25+ carrier partnerships.
- Company typePrivate
- Founded1897
- HeadquartersJackson, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What FSB Insurance does
FSB Insurance, operating as Sunstar Insurance Tennessee, is an independent insurance agency founded in 1897 and headquartered at 460 Oil Well Road in Jackson, Tennessee. As a subsidiary of Sunstar Insurance Group LLC, the firm operates eight branch offices across west and middle Tennessee (Jackson, McKenzie, Humboldt, Martin, Memphis, Columbia, Franklin, and Murfreesboro) and is ranked among the top 30 independent insurance agencies in the United States. The agency serves families, individuals, and businesses with a diversified product portfolio spanning personal lines (auto, homeowners, life), commercial insurance across 15+ industry verticals (including specialty segments such as cannabis, renewable energy, breweries/wineries, churches, construction, and hospitality), employee benefits (health, dental, vision, life, retirement), and surety bonds.
The firm distributes its products through a consultative, sales-led model combining in-person office visits, phone-based inside sales (800-428-0215), online quote requests, and a Refer A Friend program. It acts as an intermediary, accessing 25+ insurance carriers (including Travelers, Liberty Mutual, Nationwide, Progressive, The Hartford, Cincinnati Insurance, Hanover, and others) to source coverage for clients. No proprietary technology platform or AI/ML capabilities are disclosed; operations rely on standard insurance brokerage and carrier systems. Marketing channels include the company website, Facebook, LinkedIn, blog/content resources, and referrals.
Revenue is generated through commissions earned from carriers on placed personal and commercial policies, with pricing determined through individualized quotes rather than publicly disclosed rate cards. The firm has 11-50 employees, no disclosed funding rounds, no M&A activity, and no recent leadership changes documented in the input data.
FSB Insurance firmographics
Firmographics- Name
- FSB Insurance
- Legal name
- Sunstar Insurance Tennessee
- Website
- https://fsbins.com
- Company type
- Private
- Founded year
- 1897
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FSB Insurance, operating as Sunstar Insurance Tennessee, is an independent insurance agency founded in 1897 and headquartered in Jackson, TN. It serves families, individuals, and commercial businesses across west and middle Tennessee through eight branch offices, distributing personal, commercial, employee benefits, and surety products via 25+ carrier partnerships.
- Ownership category
- akta.pro rank
FSB Insurance industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)
- akta.pro industry
- Mid-Market Commercial Package (Package Policies)Financial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)Small Business BOP (Main Street)Financial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)Nonprofit / Social Services BOPFinancial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)Light Manufacturing / Small Industrial PackageFinancial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)Directors & Officers (D&O) Liability
Keywords
Where FSB Insurance is headquartered
LocationHeadquarters
- HQ city
- Jackson
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
FSB Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Commissions: Earns commissions from multiple insurance carriers for placing personal insurance (auto, homeowners), commercial insurance, employee benefits, and surety bonding coverage. Revenue is volume-based and varies by carrier and product line.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based personalized insurance coverage |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
FSB Insurance product offering
Product offeringCore offering
FSB Insurance (operating as Sunstar Insurance Tennessee) is an independent insurance brokerage that places personal, commercial, employee benefits, and surety bond coverage for Tennessee families and businesses by intermediating between clients and 25+ insurance carriers. Revenue is earned through carrier commissions across auto, homeowners, life, multi-vertical commercial, and group benefits lines, distributed through 8 regional offices, phone, and online quote channels.
Product overview
FSB Insurance (operating as Sunstar Insurance Tennessee) is an independent insurance agency offering a comprehensive portfolio of insurance products and services. The agency operates with a platform-plus-advisory model, providing personal lines insurance (auto and homeowners), business and commercial insurance across 15 industry-specific sub-products, employee benefits, surety bonds, and life insurance. As part of the Sunstar Insurance Group LLC and ranked among the top 30 independent insurance agencies in the United States, the company serves as an intermediary connecting clients with multiple insurance carriers to find appropriate coverage. The products are offered through 8 office locations across west and middle Tennessee with services available via online quote requests and phone.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Lines Insurance
Companies that use FSB Insurance
Customer profileSegments4 records
Ideal customer profiles4 records
FSB Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
FSB Insurance partnerships and signals
Strategic signalPartnerships
29 partnerships are on record, tiered core and minor.
- Sunstar Insurance Group LLCcoreParent company relationship. Sunstar Insurance Tennessee is a subsidiary of Sunstar Insurance Group LLC, which provides corporate backing and group resources, positioning the Tennessee agency among the top 30 independent insurance agencies in the United States.
- Accident FundminorWorkers compensation insurance carrier partner providing coverage options for business customers.
- AcuityminorInsurance carrier partner offering commercial and personal insurance products.
- Auto OwnersminorInsurance carrier partner providing personal and commercial coverage.
- Blue Cross Blue Shield (BCBS)minorHealth insurance carrier partner for employee benefits offerings.
- Berkshire Hathaway GUARDminorInsurance carrier partner providing commercial insurance coverage.
- Builders MutualminorSpecialty insurance carrier for construction industry risks.
- Cincinnati Insurance CompanyminorInsurance carrier partner offering business and personal coverage.
- EmployersminorWorkers compensation insurance carrier.
- Frankenmuth MutualminorInsurance carrier partner providing various coverage products.
- GrangeminorInsurance carrier partner for personal and commercial coverage.
- GuideOneminorInsurance carrier specializing in religious institution coverage.
- HanoverminorInsurance carrier partner providing commercial coverage.
- Liberty MutualminorMajor insurance carrier partner for personal and commercial lines.
- NationwideminorMajor insurance carrier partner for personal and commercial coverage.
- Penn NationalminorInsurance carrier partner providing various coverage products.
- Philadelphia Insurance CompanyminorInsurance carrier partner specializing in commercial coverage.
- ProgressiveminorMajor insurance carrier partner for auto and personal coverage.
- SafecominorInsurance carrier partner for personal insurance products.
- SelectiveminorInsurance carrier partner providing commercial coverage.
- Southern Mutual ChurchminorSpecialty insurance carrier for churches and religious institutions.
- Southern TrustminorRegional insurance carrier partner.
- State AutominorInsurance carrier partner providing various coverage products.
- SummitminorInsurance carrier partner.
- The HartfordminorMajor insurance carrier partner for business and personal coverage.
- TravelersminorMajor insurance carrier partner for commercial and personal lines.
- United HealthcareminorHealth insurance carrier partner for employee benefits offerings.
- US AssureminorInsurance carrier partner providing various coverage products.
- USLIminorInsurance carrier partner specializing in specialty lines.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
FSB Insurance competitors and assessment
Company assessmentDirect peers
- Higginbotham: Large US independent insurance brokerage offering personal, commercial, and employee benefits coverage through a multi-office, multi-carrier model — directly comparable to FSB Insurance's independent agency structure and product breadth.
- Cottingham & Butler: Mid-sized independent insurance brokerage offering commercial, personal, and benefits coverage across multiple states; comparable as a regional independent agency competing for similar SMB and mid-market accounts.
- Brown & Riding Insurance Services: Independent insurance brokerage offering commercial and specialty coverage through a multi-carrier platform — comparable to FSB's independent agency model and emphasis on specialty commercial verticals.
- Leavitt Group: Network of independent insurance agencies operating across the western and southern US offering personal, commercial, and benefits products — directly comparable regional independent agency model with multi-carrier access.
- AssuredPartners: PE-backed national independent insurance brokerage that acquires regional agencies — directly comparable as a consolidator competing for the same customers, carriers, and producer talent in the personal and commercial lines market.
Broad incumbents
- Hub International: Major North American insurance brokerage with broad personal and commercial offerings; competes with FSB for mid-market and SMB accounts while operating at much larger scale across multiple geographies.
- Marsh McLennan Agency: Middle-market arm of the global Marsh broker — competes with FSB for commercial and benefits accounts in Tennessee, operating at much larger scale with broader capabilities.
- Progressive: Named carrier partner and direct-to-consumer auto insurer that increasingly bypasses agents — a dual-role peer that both supplies and competes for FSB's personal lines customers.
Regional players
- Frankenmuth Insurance: Regional mutual insurance carrier with strong independent-agent distribution model and presence in Tennessee; comparable as both a carrier partner and a regional competitor to FSB's commercial book.
Others
- The Cincinnati Insurance Companies: One of FSB's named carrier partners; comparable as a regional P&C carrier with independent-agent distribution, useful as a benchmark for the type of insurer FSB places business with.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
FSB Insurance social profiles
Digital presenceFSB Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
FSB Insurance leadership team
Management profileNumber of profiles
FSB Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FSB Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FSB Insurance
What does FSB Insurance do?
FSB Insurance (operating as Sunstar Insurance Tennessee) is an independent insurance brokerage that places personal, commercial, employee benefits, and surety bond coverage for Tennessee families and businesses by intermediating between clients and 25+ insurance carriers. Revenue is earned through carrier commissions across auto, homeowners, life, multi-vertical commercial, and group benefits lines, distributed through 8 regional offices, phone, and online quote channels.
Is FSB Insurance a public or private company?
FSB Insurance is a private company. It is classified as corporate owned and is currently operating.
When was FSB Insurance founded?
FSB Insurance was founded in 1897. It employs 11 to 50 people.
Where is FSB Insurance based?
FSB Insurance is headquartered in Jackson, United States, in the North America region.
How does FSB Insurance make money?
One revenue line is on record: insurance Commissions.
Who are FSB Insurance's main competitors?
Direct peers on record are Higginbotham, Cottingham & Butler, Brown & Riding Insurance Services, Leavitt Group and AssuredPartners. Broad incumbents are Hub International, Marsh McLennan Agency and Progressive. Frankenmuth Insurance is listed as a regional player. The Cincinnati Insurance Companies is listed as an others.
Does FSB Insurance have an API?
No public API is recorded for FSB Insurance.
What industry is FSB Insurance in?
FSB Insurance's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAJAFAB, Mid-Market Commercial Package (Package Policies), with a secondary code of FSAJAFAA, Small Business BOP (Main Street). Its NAICS code is 524210 and its SIC code is 6411.