BC Insurance Group of Texas
BC Insurance Group of Texas is a privately held, founder-owned independent insurance agency in Stephenville, TX, with 13 staff and 17+ carrier appointments. It sells farm/ranch, equine, agribusiness, commercial, life, and health insurance to agricultural and small-business customers across multiple Texas regions.
- Company typePrivate
- Founded-
- HeadquartersStephenville, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What BC Insurance Group of Texas does
BC Insurance Group of Texas is a privately held, founder-owned independent insurance agency headquartered in Stephenville, Texas, with a branch office in Breckenridge. Founded and operated by Brandon and Cindy Carrell, the agency employs 13 licensed agents, producers, and servicing staff, many of whom have direct backgrounds in agriculture, ranching, and rodeo. It represents more than 17 insurance carriers — including Nationwide, Liberty Mutual, Travelers, The Hartford, Chubb, Allstate, Progressive, GEICO, and Texas Mutual — and distributes their personal, commercial, farm/ranch, agribusiness, equine, livestock, life, and health insurance products to customers across North Central Texas, the Panhandle, West Texas, East Texas, and South Texas. Its core go-to-market is sales-led and relationship-driven, emphasizing personal consultation over digital self-service, with community involvement (rodeo, education foundation, local church) supporting local brand-building.
The agency earns revenue almost entirely through carrier commissions on placed policies (property & casualty, life, commercial, equine mortality, crop/hail, dairy, agribusiness), with annual billing cycles and quote-based pricing tailored to each customer's coverage needs. Its product portfolio is anchored in agricultural and equine insurance — farm/ranch packages, crop/hail, dairy, equine mortality, livestock mortality — and supplemented by agribusiness (vineyards, orchards, agritourism, seed dealers, hay/row crops), commercial lines (property, auto, general liability, workers comp, builder's risk, bonds), life insurance (term, whole, child riders, key employee), and life/health coverage (group, major medical, supplemental, short-term). Distribution is conducted through in-person and phone-based service at the two physical offices and via remote consultation across the broader Texas footprint.
The business operates on standard independent-agency infrastructure with no proprietary technology platform disclosed; competitive differentiation rests on carrier breadth, agricultural domain expertise among staff, and embedded local relationships rather than technology or scale. The company is bootstrapped with no external investors, no parent company, and no disclosed funding history.
BC Insurance Group of Texas firmographics
Firmographics- Name
- BC Insurance Group of Texas
- Legal name
- BC Insurance Group of Texas
- Website
- https://bcinsurancetx.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BC Insurance Group of Texas is a privately held, founder-owned independent insurance agency in Stephenville, TX, with 13 staff and 17+ carrier appointments. It sells farm/ranch, equine, agribusiness, commercial, life, and health insurance to agricultural and small-business customers across multiple Texas regions.
- Ownership category
- akta.pro rank
BC Insurance Group of Texas industry classification
Industry- Product category
- Insurance Agency Services
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro industry
- Commercial General Liability (CGL)
Keywords
Where BC Insurance Group of Texas is headquartered
LocationHeadquarters
- HQ city
- Stephenville
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
BC Insurance Group of Texas business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Insurance Commissions: Independent insurance agency earning commissions from multiple insurance carriers (Nationwide, Liberty Mutual, Safeco, Mercury, Travelers, Hartford, Texas Mutual, State Auto, Allstate, Progressive, Foremost, Great American, Mainstreet America, GEICO, BasculeUW, Chubb) for placing insurance policies. Revenue derived from property & casualty, life, and commercial insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Quote-based insurance policies tailored to individual customer needs |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
BC Insurance Group of Texas product offering
Product offeringCore offering
BC Insurance Group of Texas is an independently owned insurance agency that represents 17+ top-rated insurance carriers to place coverage for individuals and businesses across Texas. It sells farm and ranch, equine and livestock, agribusiness, commercial, life, and personal lines insurance products, earning commissions from carrier partners.
Product overview
BC Insurance Group of Texas is an independent insurance agency that offers a portfolio of insurance products across multiple categories. The company provides Farm and Ranch Packages as a core offering, supplemented by specialized Agribusiness Insurance (covering vineyards, orchards, agritourism, seed dealers, and row crops), Equine & Livestock Insurance, Commercial Insurance, Life Insurance, Crop/Hail Insurance, Dairy Farm Insurance (with broad coverage including livestock, property, equipment, and milk contamination), Equine Mortality Insurance (including major medical and colic surgery), Livestock Mortality Insurance, and Life/Health Insurance products (group health, major medical, supplemental, and short-term). The products are distributed through independent agency representation of multiple insurance carriers.
Differentiator
Problem solved
Functional benefit
Products and services
- Farm and Ranch Insurance
Companies that use BC Insurance Group of Texas
Customer profileSegments6 records
Ideal customer profiles5 records
BC Insurance Group of Texas technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
BC Insurance Group of Texas partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and minor.
- NationwidecoreInsurance carrier partner providing personal lines coverage through Allied/Nationwide Personal Lines brand and specialized agribusiness coverage through Nationwide Agribusiness
- Allied/Nationwide Personal LinescorePersonal lines insurance products offered through Allied Insurance brand under Nationwide umbrella
- Liberty MutualcoreMajor insurance carrier partner offering property and casualty products including auto, home, and business coverage
- Safeco (Liberty Mutual Co.)corePersonal lines insurance products under Liberty Mutual brand, offering auto and home coverage
- Mercury InsuranceminorInsurance carrier partner offering personal and commercial insurance products
- TravelerscoreMajor commercial and personal lines insurance carrier providing property, casualty, and specialty coverage
- The HartfordcoreInsurance carrier partner offering commercial and personal lines coverage including small business and employee benefits
- Texas MutualcoreTexas-based workers compensation insurance specialist providing coverage for Texas businesses
- State AutominorRegional insurance carrier offering personal and commercial lines products
- AllstatecoreMajor national insurance carrier partner offering personal lines including auto, home, and life insurance
- ProgressivecoreInsurance carrier partner specializing in auto insurance with additional home coverage options
- ForemostcoreSpecialty insurance carrier offering coverage for manufactured homes, motorcycles, and specialty property products
- Great American InsuranceminorCommercial and specialty insurance carrier offering property, casualty, and specialty products
- Mainstreet AmericaminorRegional insurance carrier offering personal and small commercial lines coverage
- GEICOcoreMajor insurance carrier specializing in auto insurance with additional coverage options
- BasculeUWminorSpecialty insurance partner offering specialized coverage products
- ChubbcorePremium insurance carrier offering high-value personal and commercial coverage including specialty risk products
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
BC Insurance Group of Texas competitors and assessment
Company assessmentDirect peers
- ARMtech Insurance Services: Specialty crop insurance provider serving U.S. agricultural producers. Comparable niche specialization in agricultural insurance that overlaps with BC Insurance's agribusiness and crop/hail products.
- Higginbotham Insurance Agency: Large Texas-headquartered independent insurance agency representing multiple carriers across commercial, personal, and ag lines. Closely comparable business model to BC Insurance at significantly greater scale.
- Texas Farm Bureau Insurance: Mutual insurer serving Texas farm, ranch, and rural households through a captive agency network. Direct competitor in the same Stephenville/North Central Texas farm and ranch segment BC Insurance targets.
- Country Financial: Mutual insurance group focused on farm, ranch, and rural households across the central U.S. Comparable target customer and product mix, including farm/ranch, equine-adjacent livestock, life, and small commercial lines.
- Rain and Hail Insurance: Crop hail and multi-peril crop insurance specialist operating through independent agents. Directly comparable in agricultural risk placement, particularly in Texas farm/ranch and row-crop exposures.
Broad incumbents
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm. Comparable independent-agency economics across commercial and personal lines, but at dramatically larger scale and broader geographic footprint.
- Nationwide Agribusiness: Agribusiness division of Nationwide — both a BC Insurance carrier partner and a major farm/ranch underwriter. Same Texas farm/ranch target customer, but as a carrier rather than an agency.
- AssuredPartners: National insurance brokerage that has rolled up dozens of independent agencies. Same multi-carrier independent agency model as BC Insurance but operates at vastly greater scale and capital access.
Emerging players
- NAU Country Insurance Company: Crop insurance specialist operating through independent agents. Overlaps with BC Insurance's agribusiness and crop/hail placement business but is narrower in product breadth.
- ProAg Insurance: Crop insurance provider working through independent agents in agricultural regions. Comparable niche in crop/MPCI placement with overlap into BC Insurance's farm and agribusiness book.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
BC Insurance Group of Texas social profiles
Digital presenceBC Insurance Group of Texas financial estimates
Financial estimateRevenue estimate
Valuation estimate
BC Insurance Group of Texas leadership team
Management profileNumber of profiles
Profiles13 records
BC Insurance Group of Texas funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BC Insurance Group of Texas M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BC Insurance Group of Texas
What does BC Insurance Group of Texas do?
BC Insurance Group of Texas is an independently owned insurance agency that represents 17+ top-rated insurance carriers to place coverage for individuals and businesses across Texas. It sells farm and ranch, equine and livestock, agribusiness, commercial, life, and personal lines insurance products, earning commissions from carrier partners.
Is BC Insurance Group of Texas a public or private company?
BC Insurance Group of Texas is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was BC Insurance Group of Texas founded?
BC Insurance Group of Texas was founded in -1. It employs 11 to 50 people.
Where is BC Insurance Group of Texas based?
BC Insurance Group of Texas is headquartered in Stephenville, United States, in the North America region.
How does BC Insurance Group of Texas make money?
One revenue line is on record: insurance Commissions.
Who are BC Insurance Group of Texas's main competitors?
Direct peers on record are ARMtech Insurance Services, Higginbotham Insurance Agency, Texas Farm Bureau Insurance, Country Financial and Rain and Hail Insurance. Broad incumbents are Arthur J. Gallagher & Co., Nationwide Agribusiness and AssuredPartners. Emerging players are NAU Country Insurance Company and ProAg Insurance.
Does BC Insurance Group of Texas have an API?
No public API is recorded for BC Insurance Group of Texas.
What industry is BC Insurance Group of Texas in?
BC Insurance Group of Texas's product category is Insurance Agency Services. Its primary akta.pro industry code is FSAJADAA, Commercial General Liability (CGL). Its NAICS code is 524210 and its SIC code is 6411.