Buckle Up Insurance

What Buckle Up Insurance does

Buckle Up Insurance is a privately held independent insurance agency founded in 2014 and headquartered in Nacogdoches, Texas, serving individuals, families, and small-to-mid-sized businesses across Texas. The agency is licensed to place coverage with multiple carriers including GEICO (as an Authorized GEICO Agency), The Hartford, Progressive, Foremost, and Kemper, enabling it to shop the market for personal and commercial clients rather than representing a single carrier.

The product portfolio spans three layers: Personal Insurance (life, health, home, auto, long-term disability), Business Insurance (business auto, commercial umbrella, cyber liability, business owners policy, general liability, workers compensation), and Insurance by Industry with specialized programs for trucking, churches, contractors, food trucks, restaurants, and approximately 90 other verticals. The technology stack is a WordPress-based website (b3656826.smushcdn.com) with an online Service Center for policy management, "Clickable Coverage" interactive educational graphics, a Video Library, and a bilingual English/Spanish interface. No mobile app, API, or AI/ML capabilities are disclosed.

The business model is commission-based revenue from carriers on policies placed and renewed, with quote-based pricing that varies by risk profile. Distribution is direct-to-consumer via phone, text, email, website quote forms, and in-person consultations handled by a five-person team led by Managing Partner David Lappots and Director Jenae Lappots. Marketing is primarily organic and content-driven, supported by a referral program and a single Facebook page; no paid acquisition, institutional capital, or external ownership is disclosed.

Name

Buckle Up Insurance

Legal name

Buckle Up Insurance

Website

https://buckleupins.com

Company type

Private

Founded year

2014

Operating status

Operating

Short description

Buckle Up Insurance is a privately held independent insurance agency founded in 2014 in Nacogdoches, Texas, placing personal, commercial, and industry-specific coverage for Texas individuals, families, and small-to-mid-sized businesses through multiple carriers including GEICO, The Hartford, and Progressive.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Full-Coverage Personal Auto Insurance (FSAJAAAF)

akta.pro secondary industries

Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Auto Liability Umbrella / Excess (FSAJANAK)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance broker
• Trucking insurance specialist
• Texas insurance services

Headquarters

HQ city

Dallas

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 Agency Commissions: As an independent insurance agency, Buckle Up Insurance earns commissions from insurance carriers (The Hartford, Progressive, Foremost, Kemper, GEICO) for policies placed and renewed. They shop the market to find the best coverage at the lowest price for customers, earning commission revenue from the insurance providers they represent.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels7 records

Core offering

Buckle Up Insurance is an independent insurance agency that places personal and commercial insurance policies on behalf of customers in Texas by shopping multiple carriers (GEICO, The Hartford, Progressive, Foremost, Kemper) to find coverage at the lowest price. It distributes life, health, home, auto, disability, business auto, commercial umbrella, cyber liability, business owners, and general liability coverage, alongside specialized industry programs for trucking, churches, contractors, food trucks, and restaurants, supported by an online Service Center for ongoing policy servicing.

Product overview

Buckle Up Insurance is an independent Texas insurance agency with over 10 years of experience, authorized as a GEICO agency. The company offers a comprehensive portfolio of insurance products organized across three core areas: Personal Insurance (covering life, health, home, auto, and disability), Business Insurance (including auto, umbrella, cyber liability, and general liability), and Insurance by Industry (specialized programs for trucking, church, contractor, food truck, restaurant, and 90+ other sectors). The agency distributes these products through multiple carriers including The Hartford, Progressive, Foremost, Kemper, and Falcon Insurance. Customer-facing digital services include an online Service Center for claims, billing, and policy management, plus interactive educational tools branded as Clickable Coverage and a Video Library. As an independent agency, they shop the market across multiple insurance providers to find competitive pricing for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Multi-line personal insurance package for individuals and families, covering life, health, home, auto, and long-term disability, plus specialty coverages, shopped across multiple carriers to find the lowest price.
• Business Insurance Multi-line commercial insurance package for businesses, covering business auto, commercial umbrella, cyber liability, business owners, and general liability, with industry-specific add-ons available.
• Insurance by Industry Specialized insurance programs for specific industries including trucking, churches, contractors, food trucks, and restaurants, with 90+ additional industry verticals offered through the agency.
• Individual Life Insurance Term, whole, and universal life insurance policies providing financial protection and death benefits for Texas families, placed through Bert Robinson as Life & Annuity specialist.
• Individual Health Insurance Health coverage options for individuals without employer-sponsored plans, with flexible cost and coverage choices, placed through Buckle Up Insurance's carrier relationships.
• Home Insurance Homeowners coverage protecting against fire, property damage, personal liability, flood, and other risks to residential properties in Texas.
• Auto Insurance

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered core and secondary.

• GEICOcoreChannel Partner/ Reseller/ DistributorBuckle Up Insurance is an Authorized GEICO Agency, meaning they are licensed to sell GEICO insurance products and earn commissions on policies placed. GEICO is a major insurance carrier known for auto insurance.
• The HartfordcoreChannel Partner/ Reseller/ DistributorThe Hartford is a major insurance carrier that Buckle Up Insurance represents, offering various commercial and personal insurance products through the agency.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive Insurance is represented by Buckle Up Insurance as one of their carrier partners, providing auto and other insurance products to customers.
• ForemostsecondaryChannel Partner/ Reseller/ DistributorForemost Insurance is one of the insurance carriers Buckle Up Insurance works with to provide coverage options to their customers.
• KempersecondaryChannel Partner/ Reseller/ DistributorKemper Insurance is one of the insurance carriers represented by Buckle Up Insurance for providing coverage to customers.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Others

• Trusted Choice: Network/brand for independent insurance agents and brokers in the U.S. Comparable in that member agencies operate the same multi-carrier independent agency model as Buckle Up.

Broad incumbents

• Fred Loya Insurance: Large Texas-based auto insurance agency/carrier with significant Texas market share. Operates in overlapping product lines (notably auto) and Texas geography, but at a much larger scale and with proprietary underwriting.
• Insurance Office of America: Large independent insurance brokerage offering personal, commercial, and specialty lines through multiple carriers. Comparable multi-carrier brokerage business, though at substantially greater scale and broader geographic reach.

Direct peers

• Goosehead Insurance: Texas-based independent insurance agency (publicly traded) that shops multiple carriers for personal and commercial coverage. Same independent agency economics and product breadth as Buckle Up.
• TGS Insurance Agency: Texas-based independent insurance agency offering personal, commercial, and specialty coverage through multiple carrier partners. Closely comparable multi-line brokerage operating in overlapping Texas markets.
• Higginbotham: Large Texas-headquartered independent insurance agency representing multiple carriers across personal, commercial, and specialty lines. Same multi-carrier brokerage model and Texas geographic base as Buckle Up Insurance.
• The Knotts Company: Texas independent insurance agency providing personal, commercial, and industry-specific coverage through multiple carriers. Same commission-based brokerage model and Texas footprint as Buckle Up.

Emerging players

• Brightway Insurance: Growing franchise-based independent insurance agency model with multiple carrier partnerships. Comparable multi-carrier personal and commercial brokerage economics to Buckle Up, though organized through a franchise structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Buckle Up Insurance