Guide Insurance Agency

What Guide Insurance Agency does

Guide Insurance Agency is an independently owned and locally operated insurance agency headquartered at 2603 Moody Pkwy #301 in Moody, Alabama. The agency serves individual consumers and small-to-medium businesses across the state of Alabama, distributing both personal lines (auto, home, life, and specialty coverages) and commercial lines (business, commercial auto, liability, property, umbrella, and bonds) through representation agreements with 17 insurance carriers including Progressive, Nationwide, Travelers, The Hartford, and Safeco. As an independent agency, Guide Insurance operates as an intermediary rather than a carrier, earning commissions on both new policies and renewals placed with its carrier partners.

The business model is commission-based affiliate revenue: there is no proprietary technology, no underwriting, and no premium-bearing exposure. Customer acquisition is driven by a combination of community presence, referrals, a website with self-serve quote request forms (covering 15+ product categories), and an active content marketing blog that has published insurance education articles continuously since at least 2014. The agency extends its reach statewide through digital and phone channels while offering in-person service at its Moody office during standard business hours (Mon-Fri 9am-5pm).

The operating footprint is constrained in scale: a single physical office, no disclosed headcount, no external funding, no parent company, and no M&A activity. Carrier relationships — particularly the 2015 Safeco Premier Partner Program membership awarded to fewer than 10% of qualifying agencies — are the primary credibility markers. The agency competes on local access, carrier breadth, and personalized service rather than on technology differentiation or scale.

Name

Guide Insurance Agency

Legal name

Guide Insurance Agency

Website

https://guideinsuranceagency.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Guide Insurance Agency is an independent insurance agency in Moody, Alabama, representing 17 carriers to provide personal and commercial insurance to individuals and businesses across Alabama, earning commissions on policies placed.

Ownership category

akta.pro rank

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)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance brokerage
• Multi-carrier insurance agency
• Property and casualty insurance

Headquarters

HQ city

Moody

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, Infrastructure, Others

Revenue model

1. Insurance Commission Revenue: Guide Insurance Agency operates as an independent insurance agency earning commissions from multiple insurance carrier partnerships. As an independent agency, they represent multiple insurance companies and earn commissions when policies are sold and renewed. Revenue is generated through commissions on new policies and renewal commissions on existing policies.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Guide Insurance Agency is an independent insurance agency that represents 17 insurance carriers and sells personal and commercial insurance products to customers in Alabama. Its core offerings are Auto, Home, Life, and Business Insurance, supplemented by specialty lines including Motorcycle, Boat, Classic Car, Commercial Auto, Commercial Liability, Commercial Property, Commercial Umbrella, Earthquake, Flood, Landlord, Renters, Condo, RV, Umbrella, Off-Road Vehicle, and Bonds. The agency earns commissions by matching customers to coverage from multiple carriers and by providing ongoing service, claims assistance, and policy reviews.

Product overview

Guide Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The core offerings include Auto, Home, Life, and Business Insurance, supplemented by a wide range of specialized coverage types including Motorcycle, Boat, Classic Car, Commercial Auto, Commercial Liability, Commercial Property, Commercial Umbrella, Earthquake, Flood, Landlord Protection, Renters, Condo, RV, Umbrella, Off-Road Vehicle, and Bonds insurance. The agency operates as a multi-product insurance broker, working with multiple insurance carriers to provide tailored coverage options for both personal and commercial insurance needs across Alabama.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Affordable and complete personal auto insurance coverage providing protection for vehicles against accidents, liability, and other covered events; targeted at Alabama drivers seeking competitive rates across multiple carriers.
• Home Insurance Homeowner insurance coverage ensuring proper property protection at competitive rates across multiple carriers; targeted at Alabama homeowners.
• Life Insurance Affordable life insurance coverage that evolves with life changes, providing financial stability for families; targeted at Alabama consumers and families.
• Business Insurance Alabama business insurance providing proper coverage in case of unexpected events, protecting business assets and operations; targeted at small and medium-sized businesses in Alabama needing commercial coverage.
• Motorcycle Insurance Insurance coverage for motorcycles, providing protection for riders and their vehicles on the road; targeted at Alabama motorcycle owners.
• Boat Insurance Insurance coverage for boats and watercraft, protecting owners during recreational water activities; targeted at Alabama boat owners.
• Classic Car Insurance Specialized insurance coverage tailored for classic and collector vehicles; targeted at Alabama owners of classic cars.
• Commercial Auto Insurance Insurance coverage for business vehicles and fleets used in commercial operations; targeted at Alabama businesses with work vehicles or fleets.
• Commercial Liability Insurance Liability coverage for businesses to protect against third-party claims and lawsuits; targeted at Alabama small and medium-sized businesses.
• Commercial Property Insurance Coverage for commercial buildings, equipment, and business property against damage or loss; targeted at Alabama business property owners.
• Commercial Umbrella Insurance Additional liability coverage extending beyond standard commercial policy limits; targeted at Alabama businesses seeking excess liability protection.
• Earthquake Insurance Coverage for property damage caused by earthquakes; targeted at Alabama property owners seeking protection beyond standard homeowner policies.
• Flood Insurance Coverage for flood-related property damage; targeted at Alabama property owners in flood-prone areas.
• Landlord Protection Insurance Insurance coverage specifically designed for landlords to protect their rental properties and rental income; targeted at Alabama rental property owners.
• Renters Insurance Coverage for renters to protect personal belongings and provide liability protection; targeted at Alabama tenants.
• Condo Insurance Insurance coverage for condo owners covering personal property, interior elements, and liability; targeted at Alabama condo owners.
• RV Insurance Recreational vehicle insurance covering motorhomes, campers, and travel trailers; targeted at Alabama RV owners.
• Personal Umbrella Insurance Personal umbrella coverage providing extra liability protection beyond auto and homeowners policies; targeted at Alabama individuals and families seeking excess liability protection.
• Off-Road Vehicle Insurance Insurance coverage for ATVs, dirt bikes, golf carts, snowmobiles, and other off-road vehicles; targeted at Alabama owners of off-road recreational vehicles.
• Surety and Fidelity Bonds Surety and fidelity bonds for businesses requiring contractual or regulatory bonding; targeted at Alabama businesses needing bonding capacity.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core.

• ArrowheadcoreChannel Partner/ Reseller/ DistributorArrowhead is an insurance company represented by Guide Insurance Agency. Arrowhead provides auto insurance products and services.
• ASIcoreChannel Partner/ Reseller/ DistributorASI is an insurance company represented by Guide Insurance Agency for providing insurance coverage options to customers.
• Assurance AmericacoreChannel Partner/ Reseller/ DistributorAssurance America is an insurance company represented by Guide Insurance Agency. Claims contact: 888-952-2902.
• Bristol West Insurance GroupcoreChannel Partner/ Reseller/ DistributorBristol West Insurance Group is an insurance company represented by Guide Insurance Agency for auto insurance coverage.
• Dairyland InsurancecoreChannel Partner/ Reseller/ DistributorDairyland Insurance is an insurance company represented by Guide Insurance Agency, specializing in auto insurance products.
• Everest NationalcoreChannel Partner/ Reseller/ DistributorEverest National is an insurance company represented by Guide Insurance Agency for various coverage needs.
• The HartfordcoreChannel Partner/ Reseller/ DistributorThe Hartford is a major insurance company represented by Guide Insurance Agency. Claims: 800-243-5860.
• Haulers InsurancecoreChannel Partner/ Reseller/ DistributorHaulers Insurance is a specialized insurance company represented by Guide Insurance Agency for commercial coverage needs.
• National General InsurancecoreChannel Partner/ Reseller/ DistributorNational General Insurance is an insurance company represented by Guide Insurance Agency. Claims: 800-325-1088.
• National Security GroupcoreChannel Partner/ Reseller/ DistributorNational Security Group is an insurance company represented by Guide Insurance Agency for property and casualty coverage.
• NationwidecoreChannel Partner/ Reseller/ DistributorNationwide is a major insurance company represented by Guide Insurance Agency. Claims: 800-421-3535.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive is a major insurance company represented by Guide Insurance Agency. Claims: 800-274-4499.
• Progressive CommercialcoreChannel Partner/ Reseller/ DistributorProgressive Commercial provides commercial insurance products represented by Guide Insurance Agency.
• SafecocoreChannel Partner/ Reseller/ DistributorSafeco Insurance is a major personal lines insurance company represented by Guide Insurance Agency. Safeco honored Guide Insurance with Premier Partner Program membership in 2015. Claims: 800-332-3226.
• SafewaycoreChannel Partner/ Reseller/ DistributorSafeway Insurance is an insurance company represented by Guide Insurance Agency. Claims: 800-344-1947.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers is a major insurance company represented by Guide Insurance Agency. Claims: 800-252-4633.
• Universal Property & CasualtycoreChannel Partner/ Reseller/ DistributorUniversal Property & Casualty is an insurance company represented by Guide Insurance Agency, specializing in property coverage. Claims: 800-218-3206.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• PCF Insurance Services: Independent insurance agency consolidator representing multiple carriers across personal and commercial lines. Directly comparable independent agency model focused on multi-carrier placement for SMBs and individuals.
• Insurance Office of America (IOA): Independent insurance agency offering personal, commercial, and employee benefits coverage through multiple carrier relationships. Comparable multi-carrier brokerage model with overlapping product lines.
• Goosehead Insurance: Independent personal-lines insurance agency operating through a franchise model with access to multiple carriers. Most directly comparable to Guide Insurance in business model — quoting across carriers and earning commissions on personal and commercial policies.
• Brightway Insurance: Franchise-based independent insurance agency representing multiple carriers across personal and commercial lines. Closely matches Guide Insurance's multi-carrier agency model and SMB/consumer customer segments.

Emerging players

• Lemonade: Direct-to-consumer digital insurance carrier offering renters, home, auto, and pet policies through a mobile-first experience. Represents the direct-channel competitive threat to traditional independent agencies like Guide Insurance.
• Policygenius: Online insurance marketplace comparing multiple carriers for life, home, auto, and disability coverage. Competes for the same comparison-shopping consumer that Guide Insurance's multi-carrier model targets, but via a fully digital channel.

Broad incumbents

• Brown & Brown Insurance: Large national insurance brokerage distributing commercial and personal lines through multiple carrier partnerships. Comparable at the brokerage model level but operates at vastly greater scale and geographic breadth.
• Hub International: Major global insurance brokerage placing commercial and personal coverage through numerous carrier relationships. Comparable multi-carrier distribution model, but operates at enterprise scale across North America.
• Arthur J. Gallagher & Co. Large global insurance brokerage and risk management firm offering personal and commercial lines through multiple carrier partners. Comparable in the brokerage/distribution role, though at vastly larger scale and broader portfolio.

Regional players

• Erie Insurance: Regional property and casualty insurance carrier operating primarily in the eastern and central U.S. through a network of independent agents. Comparable in serving the personal and commercial insurance market through independent agency distribution, though Erie itself underwrites risk.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/GuideInsAgency
• Facebookfacebook.com/Guide-Insurance-Agency-186092614768225
• LinkedInlinkedin.com/company/guide-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 Guide Insurance Agency