Cactus Insurance Agency

What Cactus Insurance Agency does

Cactus Insurance Agency is a privately held, family-influenced independent insurance agency founded in 2001 by Chuck Holsinger, currently operating under principal Scott Green with continued family involvement from Kristen and Judy Holsinger. Headquartered in Glendale, Arizona with a second office in Englewood, Colorado, the agency sells personal and commercial insurance products on behalf of 21 (or 22, per product overview) A+ rated insurance carriers including Travelers, Safeco, Progressive, Nationwide, Hartford, Chubb, MetLife, Mercury, Hagerty, and Foremost. Its revenue model is commission-based: the agency earns transaction fees on new policies and renewals placed with carrier partners, with no proprietary underwriting or technology platform.

The product portfolio spans personal lines (homeowners, auto, motorcycle, recreational vehicles, specialty/collector auto, personal umbrella, life — both permanent and term) and commercial lines (business auto, builders risk, vacant property, professional liability, general liability, and bonds). Distribution is sales-led and primarily offline: walk-in service at the two physical offices, phone-based sales, a WordPress-hosted quote-request web form covering nine product categories, and referral flows from carrier networks. The agency does not operate a mobile app, has no public API, and discloses no AI/ML capabilities. Customer acquisition emphasizes personal-agent relationships, annual policy reviews, and bundling discounts across auto, home, recreational, and umbrella policies.

The firm's competitive posture rests on multi-carrier comparison shopping and relationship-led retention rather than technology differentiation. Ownership remains private with no disclosed institutional investment, no parent company, and no M&A activity on record. Operating geographies are confined to Arizona and Colorado with no stated intent for further geographic expansion. Revenue, headcount trends, and policy-book metrics are not publicly disclosed.

Name

Cactus Insurance Agency

Legal name

Cactus Insurance Agency

Website

https://cactusagency.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Cactus Insurance Agency is a privately held, family-influenced independent insurance agency operating in Arizona and Colorado, representing 21+ A+ rated carriers to sell personal and commercial insurance on a commission basis.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Personal Umbrella Insurance (FSAJANAA)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Multi-carrier insurance agent
• Auto and home insurance

Headquarters

HQ city

Glendale

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 Commission Revenue: As an independent insurance agency, Cactus Insurance Agency generates revenue by earning commissions from the insurance carriers they represent. They represent 21 different insurance companies including Travelers, Safeco, Progressive, Stillwater, Nationwide, Hartford, Chubb, and others. Commissions are earned on new policies sold and renewals of existing policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Cactus Insurance Agency is an independent insurance brokerage that sells personal and commercial insurance policies on behalf of 21 A+ rated insurance carriers. The agency earns commissions by matching customers to carriers for homeowners, auto, motorcycle, specialty/collector auto, recreational vehicles, personal liability, life, and commercial coverage, supported by annual policy reviews and in-person service from its Arizona and Colorado offices.

Product overview

Cactus Insurance Agency is an insurance brokerage operating across Arizona and Colorado, representing multiple A+ rated insurance companies to provide competitive coverage, discounts, and value. The agency offers a comprehensive portfolio organized into Personal Insurance (homeowners, auto, motorcycle, specialty auto, recreational vehicles, personal liability, life) and Commercial Insurance (business auto, builders risk, vacant property, professional liability, general liability, bonds). The product structure consists of core insurance lines with multiple sub-products and bundled package options, such as the Home & Auto Package that combines policies for multi-policy discounts. The agency represents 22 insurance carrier brands including Travelers, Safeco, Progressive, Nationwide, Hartford, Chubb, MetLife, Mercury, Hagerty, and Foremost. Services include annual insurance reviews to advise clients on optimal coverage and carrier selection.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Insurance protection for primary residences, secondary/seasonal homes, condominiums, rental properties, and personal belongings against damage, theft, and liability, offered through multiple A+ rated carriers.
• Auto Insurance Personal automobile insurance with multi-car discounts, teen driver programs, daily driver and pleasure vehicle options, full coverage, medical, and liability-only policies sourced from multiple carriers.
• Motorcycle Insurance Two-wheeled vehicle insurance from A-rated carriers including rider group discounts, extended passenger coverage, trailer, and sidecar options.
• Specialty Auto Insurance Collector car insurance for classic vehicles, hot rods, replicas, originals, modified, and exotic cars with agreed value coverage.
• Recreational Vehicle Insurance Insurance for motorhomes, travel trailers, off-road vehicles, and watercraft, with potential discounts when combined with homeowners and auto insurance.
• Personal Liability and Umbrella Insurance Additional liability protection packaged with home and auto insurance to safeguard assets and income against large unexpected financial losses and legal judgments.
• Life Insurance Income protection coverage representing multiple top life insurance companies, offering both permanent (whole life, universal life) and term life insurance options.
• Commercial Insurance Business insurance products including business auto, builders risk, vacant property, professional liability, general liability, and bonds sourced from multiple carriers.

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

22 partnerships are on record, tiered core.

• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Travelers insurance products and earns commissions on policies sold.
• SafecocoreChannel Partner/ Reseller/ DistributorSafeco is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Safeco insurance products and earns commissions on policies sold.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Progressive insurance products and earns commissions on policies sold.
• StillwatercoreChannel Partner/ Reseller/ DistributorStillwater is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Stillwater insurance products and earns commissions on policies sold.
• NationwidecoreChannel Partner/ Reseller/ DistributorNationwide is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Nationwide insurance products and earns commissions on policies sold.
• HartfordcoreChannel Partner/ Reseller/ DistributorHartford is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Hartford insurance products and earns commissions on policies sold.
• ChubbcoreChannel Partner/ Reseller/ DistributorChubb is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Chubb insurance products and earns commissions on policies sold.
• EmcompasscoreChannel Partner/ Reseller/ DistributorEmcompass is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Emcompass insurance products and earns commissions on policies sold.
• US AssurecoreChannel Partner/ Reseller/ DistributorUS Assure is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells US Assure insurance products and earns commissions on policies sold.
• StatewidecoreChannel Partner/ Reseller/ DistributorStatewide is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Statewide insurance products and earns commissions on policies sold.
• SafewaycoreChannel Partner/ Reseller/ DistributorSafeway is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Safeway insurance products and earns commissions on policies sold.
• RLI SuretycoreChannel Partner/ Reseller/ DistributorRLI Surety is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells RLI Surety insurance products and earns commissions on policies sold.
• MetLifecoreChannel Partner/ Reseller/ DistributorMetLife is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells MetLife insurance products and earns commissions on policies sold.
• MercurycoreChannel Partner/ Reseller/ DistributorMercury is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Mercury insurance products and earns commissions on policies sold.
• MendotacoreChannel Partner/ Reseller/ DistributorMendota is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Mendota insurance products and earns commissions on policies sold.
• InfinitycoreChannel Partner/ Reseller/ DistributorInfinity is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Infinity insurance products and earns commissions on policies sold.
• HagertycoreChannel Partner/ Reseller/ DistributorHagerty is one of the 21 insurance carriers represented by Cactus Insurance Agency, specializing in classic and collector vehicle insurance.
• ForemostcoreChannel Partner/ Reseller/ DistributorForemost is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Foremost insurance products and earns commissions on policies sold.
• CSEcoreChannel Partner/ Reseller/ DistributorCSE is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells CSE insurance products and earns commissions on policies sold.
• ASIcoreChannel Partner/ Reseller/ DistributorASI is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells ASI insurance products and earns commissions on policies sold.
• American ModerncoreChannel Partner/ Reseller/ DistributorAmerican Modern is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells American Modern insurance products and earns commissions on policies sold.
• Burns WilcoxcoreChannel Partner/ Reseller/ DistributorBurns Wilcox is one of the 21 insurance carriers represented by Cactus Insurance Agency. As an independent agent, Cactus sells Burns Wilcox insurance products and earns commissions on policies sold.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• HUB International: One of the largest North American insurance brokerages, representing a broad panel of carriers across personal and commercial lines. Overlaps with Cactus on the independent brokerage model but operates at a vastly larger, multi-national scale.
• Auto-Owners Insurance: Mutual P&C insurance carrier that distributes almost exclusively through independent agents offering personal, commercial, and life coverage. Comparable in distribution model (independent agent channel) rather than as a direct competitor to Cactus.
• Erie Insurance Group: Regional P&C insurance carrier that distributes primarily through a captive independent agent network across personal and commercial lines. Comparable in that it depends on the same independent-agency distribution channel Cactus participates in, though it is a carrier rather than an agency.
• Brown & Brown, Inc. Large publicly traded insurance brokerage distributing personal and commercial coverage through a network of offices and carrier relationships. Comparable in function (independent agency/brokerage) but at a much larger, more diversified scale.

Direct peers

• Smart Choice Agents: Network of independent insurance agents that represents a panel of A-rated carriers to deliver personal and commercial lines. Closely comparable to Cactus as a smaller-scale independent agency operating on the multi-carrier broker model.
• Goosehead Insurance: Publicly traded independent insurance agency representing a panel of top-rated carriers and selling personal and commercial lines through a multi-office model. Highly comparable in core activity (independent agency brokerage) though significantly larger and franchise-driven.
• Freeway Insurance: Retail insurance agency chain representing multiple carriers and selling personal and commercial lines through physical storefronts in regional markets. Comparable to Cactus as a multi-carrier retail broker, though operating at much larger scale.
• Brightway Insurance: Private independent insurance agency franchise that places homeowners, auto, and commercial business with a panel of national carriers. Operates on the same multi-carrier independent agency model as Cactus, although through a franchise structure.

Emerging players

• The Zebra: Online insurance comparison platform that lets consumers quote auto, home, and other personal lines from multiple carriers without an agent. An emerging, technology-led competitor to the traditional independent agency distribution model that Cactus operates.
• Lemonade, Inc. Direct-to-consumer InsurTech offering homeowners, renters, auto, and pet insurance entirely through a digital app. Represents the most disruptive adjacent model to the independent agency channel Cactus depends on, illustrating the structural risk to agent commissions.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CactusInsuranceAgency

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Cactus Insurance Agency