Cartier Insurance Service Group

What Cartier Insurance Service Group does

Cartier Insurance Service Group is an independent insurance agency distributing personal and commercial insurance products to individual consumers and business owners in a single domestic market. The agency represents multiple insurance carriers and offers a broad portfolio of over 50 distinct insurance lines spanning personal coverages (auto, homeowners, life, health, Medicare, umbrella, renters, motorcycle, boat, powersports, flood, earthquake, pet, travel, wedding, and high net worth) and commercial coverages (general liability, commercial property, workers compensation, commercial auto and trucking, cyber liability, directors and officers, professional liability, EPLI, bonds, builders risk, cargo, and industry-specific programs for contractors, restaurants, churches, farms, golf courses, fitness facilities, healthcare, and home healthcare). Revenue is earned through commissions paid by carriers on new placements and renewals, with pricing determined by individual risk-based quotes rather than standardized tiers.

The agency operates a sales-led go-to-market through direct customer engagement channels: website quote requests, phone inquiries, email, and in-person consultations. It uses the Advisor Evolved platform for its website, agency management, quoting, and customer communication infrastructure rather than proprietary technology, and is a Dave Ramsey Endorsed Local Provider (ELP), leveraging the financial wellness audience as a referral channel. Marketing is conducted through the website, blog content, Google reviews solicitation, and a referral program.

The company is privately held with no disclosed revenue, headcount, founding date, ownership, or funding history. The source website contains template placeholder values for the city, state, street address, and agency name, suggesting an unconfigured or recently provisioned digital presence. As a result, Cartier Insurance Service Group is best characterized as a small-scale, locally distributed independent insurance agency whose economics depend on carrier commissions and producer relationships rather than on proprietary technology, scale, or capital structure.

Name

Cartier Insurance Service Group

Legal name

Cartier Insurance Service Group

Website

https://cartierinsurance.com

Company type

Private

Operating status

Operating

Short description

Cartier Insurance Service Group is an independent insurance agency offering over 50 personal and commercial insurance products to consumers and business owners. The agency distributes multiple carriers' policies through direct engagement and is a Dave Ramsey Endorsed Local Provider.

Ownership category

akta.pro rank

Headquarters

HQ city

Houston

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 Commission Revenue: The agency generates revenue through commissions paid by insurance carriers for new policy placements and renewal business. As an independent agent, they represent multiple insurance companies and earn commissions based on the policies sold, typically a percentage of the premium.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Cartier Insurance Service Group is an independent insurance agency that brokers personal and commercial insurance coverage on behalf of multiple carriers. The agency places policies for individual consumers (auto, home, life, health, Medicare, umbrella, powersports, and specialty coverage) and businesses (general liability, workers compensation, commercial auto, property, professional liability, cyber, and industry-specific packages), earning carrier-paid commissions for new business and renewals.

Product overview

Cartier Insurance Service Group is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency operates as a multi-product insurance broker providing personal lines (auto, home, life, health, Medicare, powersports, and specialty coverage) alongside commercial lines (general liability, property, workers compensation, commercial auto, professional liability, cyber, and industry-specific coverage). The product portfolio spans over 50 distinct insurance offerings across personal and business categories, positioning the agency as a full-service independent insurance provider rather than a technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage protecting against accidents, theft, and damage for personal automobiles, offered to individual consumers through the agency.
• Homeowners Insurance Property and liability coverage for residential homes and belongings for individual homeowners.
• Life Insurance Financial protection for beneficiaries upon the policyholder's death.
• Health Insurance Medical coverage for healthcare expenses including doctor visits, hospital stays, and prescriptions for individuals and families.
• Medicare Insurance Health coverage options for seniors including Medicare Advantage Plans, Supplement Insurance, and Prescription Drug Plans.
• Personal Umbrella Insurance Excess liability coverage that supplements primary personal insurance policies.
• Motorcycle Insurance

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor and core.

• Dave Ramsey ELP (Endorsed Local Provider)minorGTM or Marketing PartnerThe agency is a Dave Ramsey Endorsed Local Provider (ELP), meaning they are recommended by Dave Ramsey's financial guidance platform to individuals seeking insurance services as part of their financial wellness journey.
• Multiple Insurance CarrierscoreChannel Partner/ Reseller/ DistributorAs an independent insurance agency, the company represents multiple insurance carriers (not individually named in source) and earns commissions by selling their insurance products to customers. The agency has access to various commercial and personal insurance carriers for policy placement.

Scale indicators1 record

Expansion highlights4 records

Broad incumbents

• Allstate: Major national carrier with captive agents selling personal and commercial lines directly. Overlaps with Cartier's product set but lacks the multi-carrier independent brokerage model.
• GEICO: Direct-to-consumer auto insurer owned by Berkshire Hathaway. Competes with Cartier on personal auto pricing and convenience, bypassing the local independent agent.
• Progressive: National carrier with both direct and independent-agent distribution channels. Competes directly with Cartier across personal auto, home, and commercial lines.
• State Farm: Largest U.S. personal lines insurer with a captive agent force. Competes with Cartier for the same household insurance dollar but distributes through exclusive agents rather than an independent multi-carrier model.
• Nationwide: Large mutual insurer with captive agents and broad personal/commercial product set. Comparable to Cartier on product breadth but uses a captive rather than independent distribution model.

Direct peers

• SmartFinancial: Digital independent insurance agency/aggregator distributing personal lines across multiple carriers online. Comparable to Cartier in business model (independent, multi-carrier) but competes via a national online channel rather than local relationships.
• Goosehead Insurance: Publicly traded independent insurance agency franchisor offering personal and commercial lines across multiple carriers. Closest structural peer to Cartier in business model, with greater scale and franchise reach.
• Insurance Office of America: Large independent insurance agency offering personal and commercial lines across multiple carriers. Closely comparable to Cartier in independent multi-carrier distribution, but at substantially greater scale.
• Brightway Insurance: Franchise-model independent insurance agency distributing personal and commercial lines across multiple carriers. Directly comparable to Cartier as a multi-carrier independent agency, with a franchise growth model.

Emerging players

• Lemonade: Insurtech carrier selling renters, home, auto, and pet insurance direct-to-consumer via a mobile app. Not a direct competitor on commercial lines, but increasingly competes with Cartier on personal lines through a frictionless digital experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Cartier Insurance Service Group