Champions Insurance

What Champions Insurance does

Champions Insurance is an independent insurance brokerage and risk management firm founded in 2002, headquartered in Friendswood, Texas, and licensed to serve clients throughout Texas. The firm operates through two distinct departments: a commercial lines unit focused on SMB risk management across specialized verticals (contractors, oil and gas, trucking, real estate developers, property managers, plus newer additions including breweries, churches, child care centers, adventure venues, and condo buildings), and a personal lines unit serving individuals and families with home, auto, watercraft, flood, motorcycle, and umbrella coverage. Its core technology is conventional for an independent agency: a content-driven website with interactive coverage graphics, quote request forms, and educational resources; there is no proprietary platform, mobile app, or AI layer.

The firm earns revenue through standard insurance brokerage commissions paid by carriers on policies placed, with no subscription, SaaS, or fee-for-service streams disclosed. Go-to-market is sales-led and direct, combining inbound phone calls, website quote requests, in-person consultations at the Friendswood office, and a formal customer referral program. Customer acquisition is supported by an active review solicitation program and a Facebook presence. Champions is a member of the Independent Insurance Agents of Texas (IIAT), holds ISNetworld Proficient and Avetta Efficient certifications for contractor compliance, and is a privately-held, bootstrapped firm with no disclosed institutional investors, parent company, or external funding rounds.

The firm has scaled to 11-50 employees and self-reports 50% year-over-year growth, attributing momentum to industry specialization, an educational risk management advisory approach, and referral-driven customer acquisition. All operations, customer relationships, and revenue are concentrated within Texas, making the firm's exposure tightly correlated with that state's economic conditions, regulatory environment, and weather-related claims activity.

Name

Champions Insurance

Legal name

Champions Insurance

Website

https://championsinsurance.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Champions Insurance is an independent insurance brokerage and risk management firm based in Friendswood, TX, serving Texas SMBs in specialty commercial verticals (contractors, oil and gas, trucking, real estate, property management) and individuals through dedicated commercial and personal lines departments.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Commercial Property Insurance (FSAJACAE)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal insurance coverage
• Risk management services
• Business insurance solutions

Headquarters

HQ city

Friendswood

HQ country

United States

HQ region

North America

Offices1 record

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 Brokerage Commissions: As an independent insurance agency, Champions Insurance earns revenue through commissions paid by insurance carriers for policies placed on behalf of clients. They represent multiple insurance companies and offer variety of policies, acting as an intermediary between insurance customers and insurers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Champions Insurance is an independent insurance brokerage that places personal and commercial insurance policies on behalf of clients by representing multiple insurance carriers. It operates two specialized departments: a Personal Lines division covering home, auto, watercraft, and other personal assets, and a Commercial Lines division delivering industry-tailored programs for contractors, oil and gas, trucking, real estate developers, property managers, and other verticals, supported by risk management advisory.

Product overview

Champions Insurance is an independent insurance brokerage and risk management firm offering a comprehensive portfolio of business and personal insurance solutions. The company operates through two primary divisions: Commercial Lines (business insurance) and Personal Lines (individual/family insurance), providing specialized coverage options across multiple industries including contractors, oil and gas, trucking, real estate development, property management, and various other sectors. The product portfolio encompasses over 80 distinct insurance products ranging from core offerings like Home, Auto, and Business Insurance to highly specialized coverage such as Brewery Insurance, Church Insurance, Adventure and Entertainment Insurance, and Child Care Center Insurance. The company also provides industry-specific solutions tailored to unique business exposures, supported by interactive coverage graphics and a service center for claims reporting and policy reviews.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Commercial insurance solutions safeguarding businesses against property damage, liability, environmental risks, natural disasters, and industry-specific exposures including commercial property, environmental, natural disaster, builders risk, commercial flood, cyber liability, workers compensation, and business auto coverage.
• Personal Insurance Individual and family insurance coverage protecting homes, vehicles, watercraft, and personal assets including home, auto, watercraft, flood, motorcycle, condo, renters, umbrella, classic car, earthquake, RV, and valuable possessions insurance.
• Contractor Insurance Specialized coverage for contractors including general liability, commercial property, contractor's equipment, builders risk, business auto, inland marine, equipment breakdown, and workers' compensation.
• Oil and Gas Insurance Insurance coverage for oil and gas businesses addressing general liability, workers compensation, environmental pollution liability, inland marine, ocean marine, business auto, and international business exposures.
• Trucking Insurance Commercial trucking insurance covering commercial trucking liability, garagekeepers, on-hook, bobtail, non-trucking liability, trailer interchange, rental reimbursement with downtime, motor truck general liability, motor truck cargo, and physical damage.
• Real Estate Developer Insurance Coverage for real estate developers including professional liability, builders risk, vacant building, owner-controlled insurance programs (OCIP), workers' compensation, and property manager insurance.
• Home Insurance Homeowners coverage protecting against fire, property damage, personal liability, medical expenses, valuable possessions, additional living expenses, personal injury, water backup, and umbrella liability.
• Auto Insurance Vehicle coverage including bodily injury liability, property damage, medical payments, personal injury protection, uninsured/underinsured motorist, physical damage, collision, comprehensive, and rental coverage.
• Watercraft Insurance Boat and watercraft coverage protecting against uninsured/underinsured boater, towing and assistance, personal property, pollution/fuel spill liability, recovery and salvage, hurricane haul out, umbrella/excess liability, property damage liability, and physical damage.
• Environmental Insurance Pollution liability coverage addressing mold, lead, asbestos, oil spill, on-site contamination, business income loss, and remediation costs for businesses facing environmental risks.
• Natural Disaster Insurance Coverage protecting businesses from natural disasters including fire, water backup, flood, earthquake, and wind damage, often with business interruption insurance options.
• Builders Risk Insurance Property coverage for buildings under construction protecting against fire, hail, theft, vandalism, and vehicle/aircraft damage to the structure and materials.
• Commercial Flood Insurance Flood protection for commercial properties available through NFIP or non-NFIP policies, covering building damage, contents, and potential loss of business income during rebuilding.
• Flood Insurance Residential flood coverage protecting homes from rising waters caused by rainstorms, snowmelt, storm drainage systems, and dam failures, available through NFIP or private carriers.
• Motorcycle Insurance Coverage for motorcycles including liability, collision, comprehensive, theft, custom parts, uninsured/underinsured motorist, and roadside assistance.
• Property Manager Insurance Coverage for property management firms including commercial auto, cyber liability, errors and omissions, tenant discrimination, general liability, crime and fidelity, and hired/non-owned auto liability.
• Adventure and Entertainment Insurance Coverage for adventure parks and entertainment venues including participant injury, equipment breakdown, renters liability, guest passenger liability, abuse/molestation, spectator liability, event cancellation, business interruption, workers' compensation, EPLI, cyber liability, and commercial property.
• Brewery Insurance Combined coverage for breweries including liquor liability, spoilage/contamination/product recall, EPLI, equipment failure, cyber liability, environmental liability, premises liability, workers' compensation, property, business auto, supply chain, special events, crime, and bonds.
• Child Care Center Insurance Coverage for child care facilities including general liability, business personal property, cyber liability, umbrella/excess liability, professional liability, abuse/molestation, commercial auto, hired/non-owned auto, EPLI, employee benefits liability, and student accident.
• Church Insurance Coverage for houses of worship including stained glass, abuse/molestation, non-owned auto, religious freedom, D&O liability, church roof, church security, and professional liability for religious leaders.
• Condo Building Insurance Condo association coverage including property insurance, general liability, crime/fidelity bond, systems breakdown, D&O liability, commercial umbrella, cyber liability, environmental, and sponsor/investor owned units insurance.
• Cyber Liability Insurance Protection against data breaches, unauthorized access to electronic data, virus spreading, extortion, personal identifiable information release, and privacy law violations.
• Workers' Compensation Insurance Coverage required by law protecting employees against job-related injuries or sickness, covering medical expenses and lost wages.
• General Liability Insurance Broad coverage for premises, operations, products, and third-party claims for bodily injury, property damage, and personal injury.
• Commercial Umbrella Insurance Excess liability coverage providing higher limits typically between $2,000,000 and $10,000,000 over general liability, business auto, and D&O policies.

Quantifiable outcome

• 50% year-over-year growth

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor and core.

• ISNetworldminorOthersChampions Insurance is listed as 'ISNetworld Proficient', indicating they meet ISNetworld's contractor safety and compliance verification standards. ISNetworld is a third-party verification platform connecting clients with safe, reliable contractors.
• AvettaminorOthersListed as 'Avetta Efficient', indicating Champions Insurance meets Avetta's contractor compliance standards. Avetta provides supply chain risk management and contractor prequalification services.
• IIAT (Independent Insurance Agents of Texas)coreChannel Partner/ Reseller/ DistributorChampions Insurance is a member of IIAT (Independent Insurance Agents of Texas), a trade association for independent insurance agents in Texas. Membership provides access to industry resources, continuing education, and carrier relationships.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Burns & Wilcox Agency: Specialty wholesale brokerage and underwriting manager for surplus and hard-to-place risks across commercial lines; complements and competes with independent agencies that place specialty commercial business.
• RPS (Risk Placement Services): Specialty wholesale insurance brokerage serving retail agents with hard-to-place commercial risks including trucking, energy, and construction; overlaps Champions' specialty commercial placement needs from the wholesale side.
• Woodruff-Sawyer & Company: Established independent commercial insurance brokerage offering specialty and middle-market commercial coverage including cyber, professional lines, and D&O; broader-scale incumbent with overlapping product capabilities.

Emerging players

• Tarmika: Commercial insurance technology platform providing comparative rating and workflow tools to independent agents; an emerging technology enabler that may either compete with or empower agencies like Champions Insurance.
• Cinch Insurance: Digital-first insurance platform focused on small commercial quoting and bind; an emerging competitor targeting the same SMB commercial segment that Champions Insurance serves through traditional channels.

Direct peers

• Higginbotham Insurance & Insurance Agency: Texas-based independent insurance agency offering commercial and personal insurance across specialty industries; structurally and operationally comparable to Champions Insurance as a regional independent brokerage serving vertical-specific commercial clients.
• Heffernan Insurance Brokers: Independent commercial insurance brokerage specializing in property/casualty and employee benefits for businesses; comparable in its vertical-specialist positioning and multi-carrier brokerage model.
• Insurica Insurance Management: Independent insurance brokerage serving commercial clients across energy, construction, and trucking—directly overlapping Champions Insurance's primary vertical mix of oil & gas, contractors, and trucking.

Regional players

• Holmes & Company Insurance Agency: Texas-headquartered independent insurance agency offering commercial and personal lines; closely comparable regional independent competitor anchored in the same Texas market.
• Valley Insurance Agency: West Coast–based independent insurance brokerage serving personal and commercial clients with multi-carrier model; comparable business model and revenue structure to Champions Insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/championsinsure
• LinkedInlinkedin.com/company/champions-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

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 Champions Insurance