O.M. Hughes Insurance
O.M. Hughes Insurance is a family-operated independent insurance agency in Birmingham, Alabama, distributing personal, commercial, and life & health coverage through multiple carriers for individuals and small-to-mid-size businesses.
- Company typePrivate
- Founded1944
- HeadquartersBirmingham, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What O.M. Hughes Insurance does
O.M. Hughes Insurance is a private, family-operated independent insurance agency headquartered in Birmingham, Alabama, founded in 1944. The agency distributes personal, commercial, and life & health insurance products on a commission basis through multiple carrier relationships, serving individual consumers and small-to-mid-size businesses across Birmingham and the surrounding Southeast. Its product portfolio spans personal lines (auto, homeowners, condo, flood, mobile home, rental dwelling, renters, umbrella), commercial lines (business auto, business property, cyber, directors & officers liability, employment practices liability, general liability, inland marine, professional liability, real estate investment properties via the realprotect program, umbrella/excess liability, workers compensation), and employee benefits (group medical, dental and vision, voluntary benefits, Section 125, FSAs, wellness programs).
The agency operates a traditional, relationship-driven distribution model with quote-based pricing delivered through its website, phone, and in-person consultations at its Union Hill Drive office. It is a member of Legacy Risk Solutions, LLC, a Southeast alliance of independent insurance agencies that the firm uses to access additional carrier programs and resources, including the specialized realprotect program for real estate investors with five or more properties. There is no proprietary technology platform; the agency relies on standard insurance agency tooling and carrier-supplied systems.
Revenue is generated through carrier commissions on new and renewal premiums, with no subscription or fee-for-service pricing disclosed. The customer base consists primarily of long-tenured individual and SMB policyholders, with multiple customers reporting relationships exceeding 20 years. The firm has no outside institutional capital, no M&A activity, and no publicly disclosed financials; leadership comprises Mark Hughes (Account Executive) and Marvin Hughes from the founding family.
O.M. Hughes Insurance firmographics
Firmographics- Name
- O.M. Hughes Insurance
- Legal name
- O.M. Hughes Insurance
- Website
- https://omhughesinsurance.com
- Company type
- Private
- Founded year
- 1944
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- O.M. Hughes Insurance is a family-operated independent insurance agency in Birmingham, Alabama, distributing personal, commercial, and life & health coverage through multiple carriers for individuals and small-to-mid-size businesses.
- Ownership category
- akta.pro rank
O.M. Hughes Insurance industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)
- akta.pro secondary industry
- Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)
Keywords
Where O.M. Hughes Insurance is headquartered
LocationHeadquarters
- HQ city
- Birmingham
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
O.M. Hughes Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Insurance Commissions: As an independent insurance agency, O.M. Hughes Insurance earns commissions from insurance carriers for policies placed. Revenue is generated through commissions on new policy sales and renewal premiums.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Quote-based insurance pricing tailored to individual needs |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
O.M. Hughes Insurance product offering
Product offeringCore offering
O.M. Hughes Insurance is an independent insurance agency that places personal lines (home, auto), commercial lines, and life and health insurance on behalf of clients through relationships with multiple third-party insurance carriers. The agency earns commissions on the policies it sells and provides ongoing policy servicing and claims support. It serves both individual consumers and small-to-mid-sized businesses in the Birmingham, Alabama market.
Product overview
O.M. Hughes Insurance operates as an independent insurance agency offering a comprehensive portfolio of insurance products across three main categories: Personal Insurance, Business/Commercial Insurance, and Life & Health/Employee Benefits. The Personal Insurance portfolio includes Auto, Condo, Flood, Homeowners, Mobile Home, Rental Dwelling, Renters, and Umbrella coverage. The Commercial Insurance portfolio encompasses Business Auto, Business Property, Cyber, Directors & Officers Liability, Employment Practices Liability, General Liability, Inland Marine, Professional Liability, Real Estate Investment Properties, Umbrella and Excess Liability, and Workers Compensation. The Life & Health offerings include Employee Group Medical, Group Dental & Vision, and Voluntary Employee Insurance, supported by administrative modules such as Premium Only Section 125, Flexible Spending Accounts, Wellness Programs, and an Employee Benefits Enrollment Communication System. The agency functions as a Trusted Choice Agency with access to multiple insurance carriers, enabling them to provide competitive pricing and a broad choice of products.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance
- Commercial Insurance
- Life and Health Insurance
- Employee Benefits Coverage
Quantifiable outcome
- Serving Birmingham, Alabama and surrounding communities for over 65-80 years
Companies that use O.M. Hughes Insurance
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
O.M. Hughes Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
O.M. Hughes Insurance partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Legacy Risk SolutionscoreO.M. Hughes Insurance is a member of Legacy Risk Solutions, LLC, a network of Independent Insurance Agencies throughout the Southeast. Legacy Risk Solutions provides a platform that empowers local agency partners with additional resources to offer more robust services to clients. The agency alliance model allows smaller agencies to access additional resources while maintaining personal touch with clients.
- realprotect insurance program (Division of Legacy Risk Solutions)minorSpecialized real estate investment property insurance program designed for portfolios of 5 or more properties. Part of Legacy Risk Solutions offerings that O.M. Hughes can offer to their real estate investor clients.
- Multiple Insurance CarrierscoreO.M. Hughes Insurance represents multiple insurance companies, giving them access to a broad array of comprehensive insurance products backed by financially sound and stable insurance companies.
Scale indicators2 records
Recent moves1 record
Expansion highlights3 records
O.M. Hughes Insurance competitors and assessment
Company assessmentDirect peers
- Brown & Brown Insurance: Large independent insurance brokerage that grew through roll-ups of regional agencies using a relationship-led, multi-carrier model similar to O.M. Hughes' at scale. Represents a scaled-up version of the same independent agency strategy.
- Keystone Insurers Group: Independent insurance agency alliance operating across multiple US states with a model very similar to Legacy Risk Solutions. Both aggregate smaller agencies to deliver carrier access and specialty programs while preserving local autonomy, making it a structural analogue for O.M. Hughes.
- SIAA (Strategic Insurance Agency Alliance): National alliance of independent insurance agencies that provides aggregated carrier access, back-office resources, and specialty programs to small/mid-size local agencies. Directly analogous to the role Legacy Risk Solutions plays for O.M. Hughes.
- Trusted Choice: National brand and network for independent insurance agents offering multi-carrier choice and shared marketing resources. O.M. Hughes positions itself as a Trusted Choice-style independent agency with access to multiple carriers.
Broad incumbents
- Arthur J. Gallagher & Co. Global insurance brokerage serving commercial and personal lines clients through retail and reinsurance brokerage. A broad incumbent that competes with independent agencies like O.M. Hughes for mid-market and SMB commercial accounts.
- Acrisure: Fast-growing insurance brokerage with a multi-carrier, tech-enabled retail platform spanning commercial, personal, and benefits lines. Represents the digital-leaning incumbent that increasingly competes for the same SMB customer.
- Marsh McLennan Agency: Middle-market arm of Marsh providing commercial insurance, employee benefits, and risk advisory to SMBs and mid-market firms. Competes for the same Birmingham-area commercial accounts O.M. Hughes serves, but at larger scale.
- Hub International: Large North American insurance brokerage built through acquisitions of regional agencies, offering commercial, personal, and employee benefits products. Competes with O.M. Hughes across commercial lines and benefits in overlapping Southeast geographies.
Others
- Burns & Wilcox: Wholesale insurance broker specializing in excess & surplus lines and specialty commercial risks. Indirectly comparable because O.M. Hughes accesses similar specialty markets via Legacy Risk Solutions and carrier relationships.
- RPS (Risk Placement Services): Wholesale broker and MGU placing specialty and excess & surplus lines for retail agents. Adjacent to O.M. Hughes' model because retail agencies depend on wholesalers like RPS to source specialty coverage for clients.
Market position
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
O.M. Hughes Insurance social profiles
Digital presenceO.M. Hughes Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
O.M. Hughes Insurance leadership team
Management profileNumber of profiles
Profiles2 records
O.M. Hughes Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
O.M. Hughes Insurance 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 O.M. Hughes Insurance
What does O.M. Hughes Insurance do?
O.M. Hughes Insurance is an independent insurance agency that places personal lines (home, auto), commercial lines, and life and health insurance on behalf of clients through relationships with multiple third-party insurance carriers. The agency earns commissions on the policies it sells and provides ongoing policy servicing and claims support. It serves both individual consumers and small-to-mid-sized businesses in the Birmingham, Alabama market.
Is O.M. Hughes Insurance a public or private company?
O.M. Hughes Insurance is a private company. It is classified as family owned and is currently operating.
When was O.M. Hughes Insurance founded?
O.M. Hughes Insurance was founded in 1944. It employs 1 to 10 people.
Where is O.M. Hughes Insurance based?
O.M. Hughes Insurance is headquartered in Birmingham, United States, in the North America region.
How does O.M. Hughes Insurance make money?
One revenue line is on record: insurance Commissions.
Who are O.M. Hughes Insurance's main competitors?
Direct peers on record are Brown & Brown Insurance, Keystone Insurers Group, SIAA (Strategic Insurance Agency Alliance) and Trusted Choice. Broad incumbents are Arthur J. Gallagher & Co., Acrisure, Marsh McLennan Agency and Hub International. Others are Burns & Wilcox and RPS (Risk Placement Services).
Does O.M. Hughes Insurance have an API?
No public API is recorded for O.M. Hughes Insurance.
What industry is O.M. Hughes Insurance in?
O.M. Hughes Insurance's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAEADAD, Wholesale Insurance Brokerage (Excess & Surplus Lines), with a secondary code of FSAJACAD, Landlord / Dwelling Fire (DP) Insurance. Its NAICS code is 524210 and its SIC code is 6411.