Guardian Insurance Wholesalers

What Guardian Insurance Wholesalers does

Guardian Insurance Wholesalers, Inc. is a national transportation insurance wholesaler headquartered in Leitchfield, Kentucky, with a regional office in Louisville. Founded in 2010, the firm operates with 11-50 employees and is led by CEO David Huff. It serves retail insurance agents across all 50 states by providing access to commercial truck insurance markets, including commercial truck liability, auto liability, physical damage, cargo, excess cargo, and trailer interchange coverage. The company's core carrier network spans A-rated admitted carriers, non-admitted carriers, and Lloyds of London, allowing it to place both admitted and non-admitted trucking business at a national scale.

The company's technology stack includes two primary tools. QuoteFirst is a web-based portal that allows retail agents to obtain truck insurance quotes online, while the Multi Carrier Rater is an Excel-based tool that enables agents to compare coverage options across multiple carriers simultaneously. Sitemap records show active development of these products, with QuoteFirst portal pages updated in November 2025 and the QuoteFirst application page updated in June 2026. The company has also formed a partnership with the American Association of Owner Operators (AAOO), signaling a focus on the owner-operator segment of the trucking market.

Guardian Insurance Wholesalers operates on a commission-based revenue model, earning commissions from carriers for placing trucking insurance business on behalf of retail agents. The firm does not underwrite policies directly; instead it functions as an intermediary between retail agents and a panel of carriers. Its go-to-market is direct-to-agent, leveraging digital tools (QuoteFirst, Multi Carrier Rater) and industry partnerships (AAOO) to reach a distributed base of retail agents across the United States.

Name

Guardian Insurance Wholesalers

Legal name

Guardian Insurance Wholesalers, Inc.

Website

https://guardian-ins.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Guardian Insurance Wholesalers is a national transportation insurance wholesaler that provides retail insurance agents access to commercial truck insurance markets across all US states through its QuoteFirst digital portal and Multi Carrier Rater tool.

Ownership category

akta.pro rank

Product category

Commercial Transportation Insurance Wholesale

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industry

Motor Truck Cargo (FSAJABAC)

Keywords

• Commercial truck insurance
• Transportation insurance wholesale
• Multi-carrier rating
• Insurance agent portal
• Admitted non-admitted carriers

Headquarters

HQ city

Leitchfield

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Wholesale Commissions: Guardian Insurance Wholesalers earns revenue as a wholesaler by providing retail agents access to insurance carriers. The company earns commissions from admitted and non-admitted carriers for placing trucking insurance business.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Guardian Insurance Wholesalers is a national transportation insurance wholesaler that places commercial trucking coverage on behalf of retail insurance agents by providing access to top A-rated admitted, A-rated domestic non-admitted, and Lloyds carriers across all U.S. states. Its offerings include liability, physical damage, cargo, excess cargo, and trailer interchange coverage, supported by the QuoteFirst digital portal for quoting, binding, and issuing coverage and a downloadable Multi Carrier Rater for instant multi-carrier pricing.

Product overview

Guardian Insurance Wholesalers is a National Transportation Insurance Wholesaler that provides retail agents access to commercial truck insurance coverage through its QuoteFirst Portal platform and Multi Carrier Rater tool. The QuoteFirst Portal enables agents to self-generate quote indications and bind coverage online, while the Multi Carrier Rater allows quoting of Physical Damage, Cargo, GL, and NTL coverage across multiple A-rated admitted, non-admitted, and Lloyds carriers. Coverage products include liability, physical damage, cargo, excess cargo, and trailer interchange insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• QuoteFirst Portal Web-based self-service portal that lets approved retail insurance agents enter minimal information to generate quick quote indications and then bind and issue commercial truck coverage directly online, covering Physical Damage, Motor Truck Cargo, Non-Trucking Liability, General Liability, and OccAcc.
• Multi Carrier Rater Excel-based rating tool (GIW-RATER.xlsx and OCC-ACC-RATER.xlsx) that enables retail agents to obtain competitive quotes for Physical Damage, Cargo, General Liability, and Non-Trucking Liability coverage from multiple A-rated admitted, A-rated domestic non-admitted, and Lloyds carriers within seconds.
• Commercial Truck Insurance Coverage (liability, physical damage, cargo, excess cargo, trailer interchange) Wholesale transportation insurance products placed with admitted and non-admitted carriers for retail agents' trucking clients, covering liability, physical damage, cargo, excess cargo, and trailer interchange in all U.S. states.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Admitted Insurance CarrierscoreChannel Partner/ Reseller/ DistributorA-rated admitted insurance carriers providing standard market insurance products for trucking clients.
• Non-Admitted Insurance CarrierscoreChannel Partner/ Reseller/ DistributorA-rated domestic non-admitted insurance carriers providing alternative market insurance products for trucking clients who may not qualify for standard coverage.
• Lloyds Insurance MarketscoreChannel Partner/ Reseller/ DistributorLloyds insurance markets providing additional capacity and specialized coverage options for trucking insurance.
• American Association of Owner Operators (AAOO)minorStrategic or Co-development PartnerAAOO is a partner organization representing owner-operators. Guardian provides insurance solutions to AAOO members through this relationship.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Burns & Wilcox: Burns & Wilcox is a national wholesale brokerage offering commercial transportation coverage through admitted, non-admitted, and Lloyd's markets — overlapping Guardian's core product set.
• Brown & Riding: Brown & Riding is a national wholesale broker with specialty transportation expertise, providing retail agents access to multiple carriers for trucking risks in a manner directly comparable to Guardian.
• Amwins: Amwins is the largest US specialty wholesale broker with broad E&S market access and dedicated transportation expertise, competing head-to-head with Guardian for retail-agent trucking placements.
• CRC Insurance Services: CRC is one of the largest US wholesale brokers with a significant commercial transportation practice offering multi-carrier access and digital rater tools comparable to Guardian's QuoteFirst.
• RPS Signature Transportation: RPS Signature (part of Ryan Specialty) operates a dedicated transportation insurance wholesale practice with broad admitted, E&S, and Lloyds carrier access — directly competing with Guardian for the same retail-agent transportation placements.

Broad incumbents

• National Interstate Insurance: National Interstate (a Vanliner/Markel subsidiary) is a specialty commercial truck carrier that Guardian may place business with; represents an upstream carrier-side counterpart rather than a direct wholesaling competitor.
• Great West Casualty Company: Great West is one of the largest direct-writing commercial truck insurers, sometimes accessed via wholesalers like Guardian; relevant as a carrier-side benchmark and competitor for the same trucking insureds.
• Canal Insurance Company: Canal is a specialty commercial truck carrier often distributed through wholesalers; a relevant upstream carrier and competing placement option for the trucking agents Guardian serves.

Emerging players

• Transportation Insurance Specialists (TIS): TIS is a smaller specialty wholesaler focused on trucking insurance, providing a closely analogous business model to Guardian with multi-carrier access for retail agents in the transportation vertical.

Regional players

• IAT Insurance Group: IAT writes transportation specialty business distributed through wholesalers; comparable as a carrier-side participant with non-admitted appetite overlapping Guardian's offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

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 Guardian Insurance Wholesalers