Patriot Insurance Solutions

What Patriot Insurance Solutions does

Patriot Insurance Solutions Inc. is a privately held, founder-owned independent insurance agency headquartered at 5340 Ringgold Road, Suite 300, Chattanooga, Tennessee. Founded in 2013, the company functions as a multi-carrier broker rather than a carrier itself, representing top-rated national and regional insurers to place personal and commercial coverage for individuals, families, and small businesses. Its product portfolio spans seven personal lines (auto, homeowners, renters, umbrella, life, health/Medicare, and retirement/annuities) and six commercial lines (general liability, commercial auto, contractor, workers' compensation, retail/restaurant, and professional liability). The agency is licensed in 27+ states with a primary focus on the Tennessee–Georgia–Alabama tri-state region.

The go-to-market is relationship-driven and sales-led: customers are acquired through direct outreach, community involvement, referrals, walk-ins, phone consultations, and a website quote-request form that routes leads to specific agents. The team consists of approximately 36 members including President and Founder Dale Hughey and Co-Founder Pragnash (PJ) Patel, alongside roughly 30 licensed agents and CSRs distributed across Tennessee, Georgia, Alabama, North Carolina, Ohio, Massachusetts, and other states. The agency emphasizes independent, unbiased advice, multi-carrier comparative shopping, and bundled-policy savings (with customer testimonials citing $200–$300/month auto-policy savings).

Revenue is generated through recurring commissions paid by carriers on placed and renewed policies. The model is fundamentally low-technology — there is no proprietary platform, no disclosed AI/ML capability, no mobile app, and no API; the differentiation rests entirely on carrier access, agent relationships, and local market expertise rather than on technology or scale economics. The business operates without disclosed external funding, institutional investors, or M&A activity.

Name

Patriot Insurance Solutions

Legal name

Patriot Insurance Solutions Inc

Website

https://patriotinsinc.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Patriot Insurance Solutions is a privately held, founder-owned independent insurance agency based in Chattanooga, Tennessee. It brokers personal and commercial coverage from multiple top-rated carriers for individuals, families, and small businesses across 27+ U.S. states.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Standalone Umbrella Liability (FSAJANAE)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance solutions
• Medicare health plans
• Life and annuities

Headquarters

HQ city

Chattanooga

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, Others

Revenue model

1. Insurance Commissions: Patriot Insurance Solutions generates revenue through commissions paid by insurance carriers for policies placed. As an independent agency, they represent multiple top-rated carriers and earn commissions when customers purchase and renew insurance policies. Revenue is recurring as long as customers maintain their policies with annual or monthly premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Patriot Insurance Solutions is an independent insurance agency that places personal and commercial insurance policies through partnerships with multiple top-rated national and regional carriers. Core offerings span personal lines (auto, homeowners, renters, umbrella, life, health/Medicare, and retirement/annuities) and commercial lines (general liability, commercial auto, contractor, workers' compensation, retail/restaurant, and professional liability), with revenue generated via carrier-paid commissions on placed and renewed policies. The agency functions as a broker matching customers with carrier policies rather than underwriting or issuing its own products.

Product overview

Patriot Insurance Solutions is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through partnerships with multiple top-rated carriers. The product portfolio spans personal insurance lines (auto, homeowners, renters, umbrella, life, health/Medicare, and retirement/annuities) and commercial insurance lines (general liability, commercial auto, contractor, workers compensation, retail/restaurant, and professional liability). As an independent agency, they function as a broker matching customers with appropriate carrier policies rather than offering a single unified platform. The core value proposition is comparative shopping across carriers to find personalized coverage at competitive rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for personal vehicles including liability, collision, comprehensive, uninsured motorist, and medical payments coverage. Designed for Tennessee, Georgia, and Alabama drivers shopping through an independent agency.
• Homeowners Insurance Protection for residential property structures, personal belongings, liability, and loss of use coverage for homeowners in Tennessee, Georgia, and Alabama.
• Renters Insurance Affordable coverage for tenant personal belongings, liability protection, and temporary living expenses when a rental becomes uninhabitable.
• Umbrella Insurance Additional liability coverage providing $1 million or more in protection beyond home and auto policy limits, covering claims, personal injury lawsuits, and worldwide liability.
• Life Insurance Term, whole, universal, and final expense life insurance policies providing financial protection for families, including tax-free death benefits and cash value accumulation options.
• Health & Medicare Insurance Individual and family health insurance including ACA Marketplace plans, Medicare Advantage, Medigap supplements, and Part D prescription drug coverage for seniors.
• Retirement & Annuities Fixed, indexed, immediate, and deferred annuity products providing guaranteed retirement income streams, tax-deferred growth, and lifetime income solutions.
• General Liability Insurance Commercial coverage protecting businesses against third-party claims for bodily injury, property damage, personal injury, advertising injury, and legal defense costs.
• Commercial Auto Insurance Coverage for business vehicles including liability, collision, comprehensive, uninsured motorist, medical payments, and hired/non-owned auto liability.
• Contractor Insurance Specialized coverage for contractors including general liability, commercial auto, tools and equipment, workers compensation, surety bonds, and umbrella insurance.
• Workers' Compensation Insurance State-mandated coverage providing medical benefits, wage replacement, disability benefits, and death benefits for employees with workplace injuries or illnesses.
• Retail & Restaurant Insurance Comprehensive coverage for retail and food service businesses including general liability, commercial property, business interruption, workers comp, liquor liability, and spoilage coverage.
• Professional Liability Insurance Errors and omissions coverage protecting consultants, advisors, and service providers from claims of negligence, mistakes, or failure to deliver professional services.

Quantifiable outcome

• Customers report saving $200-300 per month on auto insurance policies
• +2 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Allstate: National personal-lines insurer with captive agent distribution plus direct channels. Targets the same individual and family insurance customers that Patriot serves in the tri-state area.
• HUB International: Large global insurance brokerage offering personal, commercial, and specialty lines through acquired regional agencies. Overlapping independent-broker distribution model but at materially larger scale than Patriot.
• State Farm: Largest US personal-lines insurer operating through captive agents who sell exclusively State Farm products. Competes with Patriot for the same auto/home/umbrella customer but with single-carrier economics.
• Brown & Brown Insurance: Large publicly traded insurance broker delivering commercial and personal lines through carrier partnerships. Comparable multi-carrier distribution but operates across significantly broader geographies and product lines.

Direct peers

• Brightway Insurance: Franchise-model independent insurance agency offering personal and commercial lines through multiple carriers, primarily in the Southeast US. Directly comparable product mix and independent agency economics to Patriot.
• Goosehead Insurance: Independent personal-lines insurance agency with a franchise and corporate-agent model selling across P&C, life, and ancillary products from multiple carriers. Highly comparable multi-carrier independent distribution model, though typically larger scale.
• Leavitt Group: Network of independent insurance agencies offering personal, commercial, and benefits products across multiple states. Comparable independent brokerage model with multi-state footprint and carrier-representation strategy.
• Higginbotham: Independent insurance and financial services firm providing commercial, personal, and employee benefits coverage. Similar independent agency structure with multi-carrier relationships and Southeast presence.

Emerging players

• Lemonade: Insurtech offering renters, homeowners, and auto insurance through a direct-to-consumer digital experience. Threatens traditional agent distribution in personal lines — particularly younger and renters customers.

Regional players

• Farm Bureau Insurance of Tennessee: Tennessee-focused regional insurance provider with multi-line personal and commercial products sold through captive agents. Directly competes with Patriot for Tennessee customers and has similar regional brand affinity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/patriotinsinc
• LinkedInlinkedin.com/company/patriot-insurance-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Patriot Insurance Solutions