What Trident Insurance Agency does

Trident Insurance Agency, legally HomeServices Insurance, Inc. d/b/a Trident Insurance Agency, is an independent insurance agency headquartered in Cherry Hill, New Jersey (535 Route 38 East, Suite 400), with an additional office in Berwyn, Pennsylvania. The company serves individuals, families, and small businesses across the East Coast and Southeast United States, offering eleven core insurance lines: auto, home, umbrella, life, flood, boating, motorcycle, RV, classic car, renters, and commercial insurance. Life insurance is delivered through a partnership with DergaIis Associates, which provides access to roughly 100 A+ rated carriers and a range of term and permanent products. Trident operates as part of the HomeServices Insurance (HSI) network, a wholly owned subsidiary of HomeServices of America, Inc., which is an affiliate of Berkshire Hathaway. HSI was originally built to serve the insurance needs of new homeowners emerging from HomeServices' residential real estate brokerage transactions.

The business model is a commission-based independent agency structure. Trident represents multiple national and regional insurance carriers rather than underwriting its own policies, allowing agents to compare coverage and price across carriers to match customer risk profiles. Revenue is generated through carrier commissions on policies placed and serviced, with pricing conducted on a quote-by-quote basis and billed monthly. The go-to-market is sales-led, executed by licensed insurance agents who consult on risk exposures, educate customers on options, and provide ongoing servicing through life-stage transitions. Distribution occurs through direct agent contact (phone, email, in-person) supported by an inbound digital layer — SEO-optimized coverage pages, an active educational blog, disaster preparedness resources, and online quote request forms. Marketing channels center on content marketing, organic search, and direct agent engagement, with no app, no proprietary technology platform, and no disclosed AI capabilities. Trident's stated scale positioning is that of one of the largest personal lines insurance agencies in the country, operating within the broader HomeServices Insurance network that spans offices throughout the United States.

Name

Trident Insurance Agency

Legal name

HomeServices Insurance, Inc. d/b/a Trident Insurance Agency

Website

https://tridentinsuranceagency.com

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

101–250 employees

Short description

Trident Insurance Agency is an independent insurance agency serving individuals, families, and small businesses across the East Coast with eleven personal and commercial insurance lines, operating as a subsidiary of HomeServices of America (Berkshire Hathaway affiliate).

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Umbrella Insurance (FSAJANAA)

akta.pro secondary industry

Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB)

Keywords

• Personal lines insurance
• Commercial insurance brokerage
• Independent insurance agency
• Home and auto insurance
• Life insurance services

Headquarters

HQ city

Cherry Hill

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Trident Insurance Agency operates as an independent insurance agency, earning commissions from insurance carriers for policies sold and serviced. As an independent agency, they represent multiple national and regional insurance companies, earning commissions on each policy placed with carrier partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Trident Insurance Agency operates as an independent insurance agency offering personal, commercial, and specialty insurance products through licensed insurance agents. The agency represents multiple national and regional insurance carriers, providing customers with coverage options across home, auto, umbrella, life, flood, boat, motorcycle, RV, classic car, renters, and commercial lines. Agents collaborate with clients to assess risk exposures, compare carrier options, and deliver ongoing policy service.

Product overview

Trident Insurance Agency offers a comprehensive suite of insurance solutions through an independent agency model, representing multiple national and regional insurance carriers. The product portfolio consists of eleven core personal and commercial insurance products: Auto Insurance, Boating Insurance, Classic Car Insurance, Commercial Insurance, Flood Insurance, Home Insurance, Life Insurance (via partnership with DergaIis Associates), Motorcycle Insurance, Renters Insurance, RV Insurance, and Umbrella Insurance. As an independent agency, they compare options across multiple carriers to provide customized coverage tailored to individual needs, lifestyles, and budgets. The company operates as part of the HomeServices Insurance family under HomeServices of America, an affiliate of Berkshire Hathaway.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance protects customers financially from accidents, damage, and liability while driving. Coverage includes liability, collision, uninsured/underinsured motorist, towing, and rental car reimbursement, sourced from multiple national and regional carriers.
• Home Insurance Homeowners insurance provides financial protection if a home or its belongings are damaged by covered events. Coverage includes structure, personal belongings, and liability for injuries or damage to others.
• Umbrella Insurance Umbrella insurance provides additional liability coverage above the limits of existing policies (homeowners, auto, watercraft). Typically adds $1 million or more in extra protection beyond current coverage limits.
• Life Insurance Life insurance provides financial protection for loved ones by paying a benefit upon death. Offered through partnership with DergaIis Associates, including term life (5-30 year terms) and permanent life options (Variable Universal, Universal, Whole Life, Last-to-Die), backed by approximately 100 top-rated A+ carriers.
• Flood Insurance Flood insurance protects homes from damage caused by rising water from heavy rain, storm surge, overflowing rivers, or rapid snowmelt. Available through NFIP and private carriers.
• Renters Insurance Renters insurance protects personal belongings and provides liability protection for renters, covering personal property damage or loss and liability for injuries or damage caused by the renter or guests.
• Boating Insurance Boat insurance provides financial protection for accidents, theft, or damage to boats and personal watercraft, including collision damage, property damage liability, bodily injury liability, and comprehensive protection.
• Motorcycle Insurance Motorcycle insurance covers liability, collision, comprehensive, roadside assistance, bike accessories, medical payments, and personal injury protection.
• RV Insurance Recreational vehicle insurance covers liability and property for RVs, boats, and snowmobiles, including personal belongings stored in the vehicle.
• Classic Car Insurance Specialized coverage for antique, collectible, and specialty vehicles not used for everyday driving, reflecting true collectible or agreed value rather than standard vehicle depreciation.
• Commercial Insurance Commercial insurance protects business assets and reduces financial risk from unexpected events, including general liability, property, professional liability, workers' compensation, and commercial auto coverage for small to medium businesses.

Named customers3 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

Partnerships

One partnership is on record.

• DergaIis AssociatescoreStrategic or Co-development PartnerDergaIis Associates is Trident's life insurance partner, offering a wide range of life insurance solutions. They work with approximately 100 top-rated A+ carriers, making it easier for Trident clients to find coverage that fits their needs and budget. DergaIis provides both term life insurance options (annual renewable, 5, 10, 15, 20, and 30-year terms) and permanent life insurance products including variable universal life, universal life, whole life, and last-to-die policies.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Goosehead Insurance: Public independent insurance agency franchise distributing personal lines (home, auto, umbrella, life) through licensed agents representing multiple carriers. Operates the closest comparable model to Trident: independent broker, multi-line, licensed-agent distribution.
• Erie Insurance Group: Regional P&C carrier that sells almost exclusively through independent agents in the Eastern and Midwestern U.S., with strong personal-lines market share. Independent-agency distribution model and East Coast geographic overlap make it a structural comparable.
• Frankenmuth Insurance: Mutual insurance carrier distributed exclusively through independent agents across the Midwest and East Coast, offering personal and commercial lines including umbrella. Direct structural peer — independent-agency distribution of multi-line P&C.
• Auto-Owners Insurance: Mutual P&C carrier distributed exclusively through independent agents in 26 states, focusing on personal and small-commercial lines. Operates the same multi-carrier-independent-agency distribution pattern as Trident.

Broad incumbents

• Allstate Corporation: Large direct-writing and exclusive-agent P&C carrier. Represents the direct-carrier competitive alternative to the independent agency channel Trident operates in, making it a strategic comparable rather than a direct operational peer.
• HUB International: Large North American insurance brokerage placing personal and commercial lines through independent-agent offices across the U.S. Direct-line comparable on brokerage economics, though broader scale and more national footprint than Trident.
• Lockton Companies: World's largest independent insurance brokerage, distributing commercial and personal lines through agent offices. Major independent-brokerage comparable for revenue mix and distribution economics.
• Acrisure: Large, PE-backed insurance brokerage aggregator operating across personal and commercial lines. Demonstrates the roll-up and platform-investor thesis applicable to mid-sized independent agencies like Trident.
• Brown & Brown, Inc. Public diversified insurance brokerage distributing personal and commercial lines through a network of offices. Competes in the same independent-broker channel as Trident; useful benchmark for agency-segment valuation multiples.
• State Farm Mutual Automobile Insurance Company: Largest U.S. personal-lines P&C writer, distributed primarily through captive (exclusive) agents. Competes with independent agencies for the same household-level personal-lines premium wallet — primary incumbent benchmark on the demand side.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/TridentInsuranceAgency

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Trident Insurance Agency