What A Tex Insurance does

A-Tex Insurance, operating legally as Bower Insurance LLC, is a family-owned independent insurance agency founded in 2002 by Kade and Casey Bower in North Texas. The agency operates as a broker/aggregator, appointed with over 100 insurance carriers, and places policies on behalf of customers across six product lines: auto, homeowners, renters, motorcycle/RV, commercial, and life & health insurance. It serves individual consumers and small-to-mid-size businesses (contractors, restaurants, retailers, truckers, and office-based professionals) across 14 states, with Texas as the primary market and 13 additional states in the South/Southwest/Midwest. The underlying technology stack is traditional and lightweight: a content website with multi-step online quote forms, a toll-free phone line staffed during business hours, Facebook for community engagement, and carrier partner portals for policy servicing — there is no proprietary technology platform, no mobile app, no API, and no AI/ML capabilities.

The business model is commission-based revenue: A-Tex earns carrier commissions on new policy placements, renewals, and coverage add-ons, with customers able to pay monthly or annually. Pricing is quote-based, with reported discounts for bundling auto + home, military/veteran status, safe driver, good student, home security, and pay-in-full. GTM is sales-led, combining inbound phone calls, online quote requests, referral programs, and community involvement (high school football, church events, fundraisers). The agency is bootstrapped with no external funding, has 11-50 employees, and reports no parent company, acquisitions, or institutional ownership. Two named customer testimonials (Kendra King, Billie Myers) describe long-term consumer relationships and competitive pricing outcomes.

Name

A Tex Insurance

Legal name

Bower Insurance LLC

Website

https://atexinsurance.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

A-Tex Insurance (Bower Insurance LLC) is a family-owned independent insurance agency founded in 2002 that brokers auto, home, renters, motorcycle/RV, commercial, and life/health policies across 14 states via 100+ carrier appointments.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industries

Full-Coverage Personal Auto Insurance (FSAJAAAF), Commercial Auto & Fleet Insurance (FSAJAMAB), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance agency
• Auto insurance
• Homeowners insurance
• Commercial insurance
• Insurance brokerage services

Headquarters

HQ city

Flower Mound

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Commissions: A-Tex Insurance operates as an independent insurance agency earning commissions from insurance carriers for policy placements. As an appointed agency with over 100 insurance companies, they earn commissions when customers purchase policies through their agency. Revenue is generated through commissions on new policy sales, renewals, and additional coverage add-ons. The agency offers both monthly and annual payment options to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

A-Tex Insurance is a family-owned independent insurance agency that brokers personal and commercial insurance policies on behalf of customers by comparing rates and coverage options across over 100 appointed insurance carriers. Core offerings include auto, homeowners, renters, motorcycle/RV, commercial (general liability, BOP, commercial auto, workers comp, professional liability, cyber), and life & health insurance sold across 14 U.S. states. The agency earns carrier commissions and serves both individual consumers and small-to-mid-size businesses with personalized, live-representative service.

Product overview

A-Tex Insurance is a family-owned independent insurance agency operating as a broker connecting customers with over 100 insurance carriers. Their product portfolio consists of six core insurance offerings: Auto Insurance, Homeowners Insurance, Renters Insurance, Motorcycle & RV Insurance, Commercial Insurance, and Life & Health Insurance. The agency functions as an insurance aggregator, comparing rates and coverage options across multiple carrier partners to find the optimal policy for each customer's needs and budget.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Comprehensive coverage for cars, trucks, and SUVs sourced across over 100 carriers; includes liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, roadside assistance, and rental reimbursement. Targeted at Texas consumers and drivers across 14 states.
• Homeowners Insurance Protection for homes and belongings with customizable coverage options including dwelling, personal property, personal liability, loss of use, other structures, and wind/hail coverage. Designed for Texas homeowners with bundling discounts available alongside auto.
• Renters Insurance Affordable protection for renters covering personal property, personal liability, additional living expenses, medical payments, and theft protection. Targeted at renters in Texas; pricing typically $10-$25/month for Texas renters.
• Motorcycle & RV Insurance Specialized coverage for motorcycles, RVs, ATVs, boats, and recreational vehicles including liability, collision, comprehensive, custom parts, roadside assistance, full-timer coverage, and vacation liability. Targeted at Texas consumers and travelers.
• Commercial Insurance Business insurance solutions for Texas business owners including general liability, business owners policy (BOP), commercial auto, workers compensation, professional liability, commercial property, and cyber liability. Targeted at contractors, restaurant owners, retailers, truckers, and office-based professionals.
• Life & Health Insurance Life and health coverage for individuals and families including term life, whole life, universal life, final expense insurance, individual/family health insurance, and supplemental policies. Targeted at Texas consumers and families across 14 states.

Named customers2 records

Segments2 records

Ideal customer profiles2 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 highlights4 records

Broad incumbents

• GEICO: Direct-to-consumer auto and home insurance carrier built around cost-efficient self-service. A primary headwind to A-Tex's independent agency model since GEICO bypasses agents for the lines that anchor A-Tex's book.
• Allstate: Major US P&C carrier offering auto, home, and life insurance through captive agents and direct channels. Overlaps significantly with A-Tex's product portfolio and target consumer segments.
• State Farm: Largest US personal lines insurer operating through a captive agent model, offering auto, home, and life coverage. Competes with A-Tex for the same personal lines customers but uses exclusive agents rather than independent brokerage.
• Acrisure: Rapidly growing global insurance brokerage platform built through acquiring independent agencies. Represents a likely acquirer profile for A-Tex and a structural exit path for owner-operators of agencies like A-Tex.
• Progressive: Large direct-to-consumer auto insurance carrier that bypasses independent agents entirely. Represents a key substitute for A-Tex's auto business as customers can self-serve and bypass the agency.

Emerging players

• Lemonade: Digital-first InsurTech offering renters, home, auto, pet, and life insurance through a mobile app with AI-driven underwriting and instant binding. Directly overlaps with A-Tex's lines and represents the technological shape of competition A-Tex faces.
• Root Insurance: Direct-to-consumer auto InsurTech that uses telematics and a mobile app to underwrite and bind policies without agents. A digital substitute specifically for the auto coverage that anchors A-Tex's revenue.
• Hippo Insurance: InsurTech focused on homeowners insurance with a tech-enabled, direct-to-consumer purchase experience. Competes most directly with A-Tex's home and bundle offerings using digital channels.

Direct peers

• Goosehead Insurance: Independent insurance agency also headquartered in Texas, comparing policies across numerous carriers on behalf of customers with a consultative sales approach. Closely comparable in business model and core function to A-Tex, but at materially larger scale.
• InsuranceHub: Texas-based independent insurance agency offering auto, home, life, and commercial coverage across multiple states by comparing quotes from numerous carriers. Directly comparable independent agency model and customer-facing value proposition to A-Tex.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/a-tex-insurance

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 A Tex Insurance