Hereth Insurance Consulting

What Hereth Insurance Consulting does

Hereth Insurance Consulting is an independent insurance agency headquartered in Columbia, Missouri, founded in 2015 and privately held by the Hereth family with Jordan Hereth serving as Principal Agent. The firm operates as a multi-line agency comparing coverage across more than 100 insurance carriers (including Progressive, Travelers, The Hartford, Liberty Mutual, and Markel) and wholesale brokerage partners (AmWins, Burns & Wilcox) to place business for clients across 13 states. Its portfolio spans personal insurance (auto, home, renters, umbrella, pet, life), commercial insurance (general liability, commercial property, workers' compensation, commercial auto, BOP, professional liability, cyber liability, umbrella/excess, tools and equipment), contractor and trades specialty coverage, a dedicated real estate investor program, and health and employee benefits.

The agency's technology footprint is modest and oriented around distribution rather than intelligence: a website with quote request forms and educational content (the Risk Radar blog), Twilio-based SMS client communications for quote follow-ups and service notifications, and Microsoft Office 365 calendar booking for consultations. There are no proprietary insurance technology products, no mobile applications, and no API or SDK infrastructure. Client engagement runs through in-person consultations at the Columbia office, phone and video consultations, and online quote requests, with the agency's stated differentiator being fast certificate of insurance issuance and same-day service.

The revenue model is the standard independent agency commission structure: the agency is compensated by insurance carriers on policies placed, with no separate fees charged to clients for consultations, quotes, or ongoing service. Premium book of business reached approximately $8.5 million as of the March 2026 update, with a 60% commercial / 40% personal lines mix and roughly 20% year-over-year growth. The firm has roughly 10-12 team members including a Personal Lines Manager, Commercial Lines Manager, Director of Employee Benefits, and multiple Account Managers and Producers, serving 1000+ clients across five primary segments: individuals and families, small to mid-sized businesses, contractors and tradespeople, real estate investors, and employee benefits groups. There is no external equity, no disclosed funding, and ownership remains founder/family-controlled.

Name

Hereth Insurance Consulting

Legal name

Hereth Insurance Consulting

Website

https://herethinsuranceconsulting.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Hereth Insurance Consulting is an independent insurance agency in Columbia, Missouri, that compares coverage across 100+ carriers to deliver personal, commercial, contractor, real estate, and employee benefits insurance to individuals, families, and small-to-mid-sized businesses across 13 states.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAC

Employee Benefits Brokerage & Consulting

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAJAEAG

Workers’ Compensation for Small Business & Pay-As-You-Go Programs

Financial & Insurance/Insurance — Motor, Property & Casualty/Workers’ Compensation Insurance

SECONDARYFSAJADAB

Professional Liability (Errors & Omissions)

Financial & Insurance/Insurance — Motor, Property & Casualty/General Liability Insurance

SECONDARYBPACAGAH

Co-Employment Risk Management & Insurance (Workers’ Comp, Liability)

Business & Public Services/HR, Staffing & Recruitment Services/Contract Staffing & Independent Contractor Management

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal lines insurance
• Employee benefits consulting
• Contractor insurance programs

Headquarters

HQ city

Columbia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Carrier Commissions: Agency is compensated by insurance carriers through commissions for policies placed. Services are provided at no additional cost to clients as commissions are paid by insurance companies. This is a standard independent insurance agency model.
2. Policy Administration Fees: Fees may apply for certain policy services, certificate requests, and coverage reviews.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Hereth Insurance Consulting is an independent insurance agency that compares and places personal, commercial, contractor, real estate, and employee benefits coverage across 100+ insurance carriers for individuals, families, businesses, and contractors across 13 states. The agency earns commissions from carriers for policies placed and provides ongoing policy management, coverage reviews, and fast certificate of insurance issuance from its Columbia, Missouri office.

Product overview

Hereth Insurance Consulting operates as an independent insurance agency offering a unified platform of insurance products and advisory services. The portfolio comprises Personal Insurance (auto, home, renters, umbrella, pet, and life), Business Insurance (general liability, commercial property, workers' comp, commercial auto, BOP, professional liability/E&O, cyber liability, umbrella/excess, tools & equipment), Contractors & Trades Insurance (general liability, inland marine, auto, workers' comp, bonds), Real Estate Program (apartment buildings, dwellings, commercial real estate, vacant properties), Health & Employee Benefits (individual/group health, dental, vision, life, supplemental benefits, Medicare), and a Risk Radar content hub. The agency compares coverage across 100+ carriers to build tailored solutions rather than selling a single unified software product.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Tailored personal insurance coverage including auto, home, renters, umbrella, pet, and life insurance for individuals and families across Missouri and 13 states, placed across 100+ carrier partners.
• Business Insurance Commercial coverage for businesses including general liability, commercial property, workers' compensation, commercial auto, business owners policy (BOP), professional liability/E&O, cyber liability, umbrella/excess liability, and tools and equipment insurance.
• Contractors & Trades Insurance Specialized coverage for contractors, tradespeople, and service businesses including general liability, property/tools and equipment (inland marine), commercial auto, workers' compensation, and contract/license bonds, with fast certificate of insurance issuance.
• Real Estate Insurance Program Specialized insurance program for real estate investors and property owners covering apartment buildings, 1-4 family dwellings, commercial real estate, and vacant properties with property, liability, and rental income protection.
• Health & Employee Benefits Comprehensive benefits solutions including individual and group health plans, dental, vision, life insurance, supplemental/voluntary benefits (accident, critical illness, short-term disability), and Medicare solutions for employers and individuals.
• Cyber Insurance Coverage protecting businesses from data breaches, ransomware, cyberattacks, and digital threats including first-party and third-party coverage options, offered through multiple carrier partners.

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Nine partnerships are on record, tiered core and supporting.

• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal and commercial auto coverage options. One of 100+ carriers in the agency's network.
• TravelerscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal, commercial, and specialty lines coverage. Major national carrier in the network.
• The HartfordcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal and commercial lines including employee benefits. Major carrier in the network.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for personal and commercial coverage. Major national carrier partner.
• MarkelcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in specialty and niche coverages including farm and agribusiness insurance.
• AmWinssupportingChannel Partner/ Reseller/ DistributorWholesale brokerage partner providing access to additional specialty markets when needed.
• Burns & WilcoxsupportingChannel Partner/ Reseller/ DistributorWholesale brokerage partner for specialty market access.
• TwiliosupportingTechnology or IntegrationSMS messaging platform used for client communications including quote follow-ups, account notifications, and appointment reminders.
• Microsoft Office 365supportingTechnology or IntegrationBooking platform integration for scheduling consultations and appointments.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SelectQuote: Direct-to-consumer insurance agency focused on comparison-shopping life, auto, and home coverage across multiple carriers. Overlaps with Hereth's personal lines and multi-carrier comparison approach.
• Leavitt Group: Regional independent insurance agency network with multiple offices across the Western and Midwestern U.S. Very similar operating model to Hereth — independent brokerage offering personal, commercial, and benefits across multiple states.
• Goosehead Insurance: Independent insurance agency franchisor/model with similar multi-carrier comparison model across personal and commercial lines. Operates a much larger, tech-enabled version of the same independent agency concept Hereth practices at the local level.
• Higginbotham: Large independent insurance brokerage serving individuals and businesses across the South and Midwest. Comparable product mix (personal, commercial, employee benefits) and similar independent, multi-carrier philosophy.
• Insuritas: Insurance agency-as-a-service platform that builds and operates embedded insurance agencies for financial institutions; useful peer for the agency-automation and acquisition playbook Hereth could pursue.

Broad incumbents

• Integrity Marketing Group: Large independent marketing organization that acquires and partners with insurance agencies and FMOs. A potential acquirer-type peer that demonstrates the roll-up strategy Hereth could pursue or be subject to.
• Marsh McLennan Agency: Middle-market insurance brokerage arm of Marsh McLennan, offering commercial and benefits solutions comparable to Hereth's business book. Demonstrates the institutional scale-up path for an independent agency.
• Hub International: Large North American insurance brokerage offering personal, commercial, and employee benefits across the U.S. and Canada. Direct business model overlap, though operating at much greater scale and breadth.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a strong independent agency and employee benefits practice. Overlaps with Hereth's commercial lines and benefits offerings at the high end.
• Brown & Brown: National insurance brokerage providing personal, commercial, and benefits products at scale. Comparable product mix and independent agency philosophy, but vastly larger geographic and capability footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/HerethInsurance
• LinkedInlinkedin.com/company/hereth-insurance-consulting

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 Hereth Insurance Consulting