Ascension Insurance Agency

What Ascension Insurance Agency does

AIA of Texas Insurance Agency, doing business as Ascension Insurance Agency, is a 100% independent insurance brokerage operating two offices in Spring Branch and Cedar Park, Texas, and serving customers statewide. The agency places both personal and commercial insurance across more than twenty product lines, including auto, homeowners, life, flood, umbrella, recreational vehicles, commercial trucking, cargo, contractors, restaurant, and workers compensation, and represents at least eight carriers including Nationwide, Progressive, Berkshire Hathaway (through Guard and HomeState), The Hartford, Travelers, and QEO.

The underlying platform is non-proprietary: the agency runs on a third-party insurance agency management portal (insuranceagentapp.com) for client service, certificate requests, and ID cards, with a public website offering online quote intake for auto and homeowners and a Facebook presence tied to the legacy Nihill Insurance Services, LLC brand. There are no proprietary technology assets, no AI/ML capabilities, no mobile applications, and no API or integration ecosystem.

The business model is carrier-paid commission: customers receive comparison-shopping and policy servicing at no direct cost, while the agency earns a percentage of placed premium from the insurance carriers. Acquisition is driven by phone-based inside sales, online quote forms, organic search, social media, and a formal referral program paying a $25 gift card per referred customer. The customer base is a long-tail of Texas households and SMBs with no disclosed anchor enterprise accounts.

Name

Ascension Insurance Agency

Legal name

AIA of Texas Insurance Agency

Website

https://aiaoftx.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

AIA of Texas Insurance Agency is an independent Texas-based insurance brokerage that places personal and commercial coverage across 20-plus product lines through eight-plus carrier partnerships, compensated via carrier-paid commissions from a long-tail of individual and SMB customers statewide.

Ownership category

akta.pro rank

Headquarters

HQ city

Spring Branch

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: The agency is compensated directly by insurance carriers for placing business. There is no additional cost to customers for using the agency's services. Commission rates are paid by insurance companies as a percentage of premium.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Ascension Insurance Agency is a 100% independent insurance brokerage that places personal and commercial insurance coverage with multiple carrier partners on behalf of customers. The agency compares policies across carriers such as Nationwide, Progressive, Berkshire Hathaway (Guard, HomeState), The Hartford, QEO, and Travelers to match clients with appropriate coverage at competitive prices. Services include policy placement, policy reviews, certificate of insurance issuance, ID card delivery, and claims assistance, with no additional cost to customers.

Product overview

AIA of Texas Insurance Agency is a 100% independent insurance agency operating in Spring Branch and Cedar Park, Texas, that offers a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency provides personal insurance products including Auto Insurance, Homeowners Insurance, Life Insurance, Boat Insurance, Motorcycle Insurance, ATV & Powersports Insurance, Recreational Vehicle Insurance, Renters Insurance, Condo Insurance, Flood Insurance, Specialty Dwelling Insurance, and Umbrella Insurance. For commercial clients, the agency offers Commercial Auto Insurance, Commercial Trucking Insurance, Business Insurance (BOP and Commercial Package Policies), Commercial Property Insurance, Cargo Insurance, General Liability Insurance, Commercial Umbrella Insurance, Contractors Insurance, Restaurant Insurance, and Workers Compensation Insurance. The independent agency model allows them to compare coverage across multiple insurance providers including Nationwide, Progressive, Berkshire Hathaway, HomeState, Guard, The Hartford, QEO, and Travelers to find the best fit for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto insurance coverage including collision, comprehensive, property damage, bodily injury liability, and uninsured/under-insured motorist coverage for vehicles used for personal transportation.
• Homeowners Insurance Insurance coverage for homeowners protecting the dwelling, other structures, personal property, loss of use, medical expenses, and personal liability. Also covers rental properties and vacant homes under specialty dwelling policies.
• Life Insurance Term life and whole life insurance products providing financial protection for families, covering death benefits, final expenses, estate taxes, and creating inheritances for heirs.
• Boat Insurance Insurance coverage for boats and personal watercraft including liability, physical damage, medical payments, agreed value coverage, navigational area protection, and coverage for personal effects and emergency assistance.
• Motorcycle Insurance Insurance coverage for motorcycles including street cycles, Harley Davidsons, trike conversions, cruisers, classic bikes, touring bikes, and dirt bikes with similar coverages to auto insurance.
• ATV & Powersports Insurance Insurance coverage for all-terrain vehicles (ATVs) and powersports vehicles including three, four, or six-wheeled buggies used off-road, with coverage similar to motorcycle insurance.
• Recreational Vehicle Insurance Insurance coverage for motorhomes, travel trailers, campers, and horse trailers with options for stated value, agreed value, or replacement cost coverage, plus vacation liability and roadside assistance.
• Renters Insurance Insurance coverage for renters protecting personal property against theft or damage, with options for full replacement cost coverage and liability protection including legal defense.
• Condo Insurance H0-6 insurance policy covering condo units where association insurance stops, protecting the interior including floors, walls, cabinets and fixtures from drywall inward.
• Flood Insurance Standalone flood insurance policy separate from homeowners insurance, covering damage from standing water as little as a few inches, required in certain FEMA flood zones.
• Specialty Dwelling Insurance Insurance for non-owner occupied properties including rental properties, vacant homes, seasonal/vacation homes, older/lower value homes, properties with credit problems, and homes under construction.
• Umbrella Insurance Standalone liability policy providing additional coverage limits above underlying homeowners and auto insurance policies, typically ranging from $1 million to $5 million in coverage for personal liability situations.
• Commercial Auto Insurance Insurance coverage for business vehicles including company cars, cargo vans, limos, taxis, buses, SUVs, and pickup trucks with bodily injury, property damage, collision, comprehensive, and uninsured motorist coverage.
• Commercial Trucking Insurance Insurance coverage for trucking companies and private carriers including primary liability, cargo insurance, physical damage, and occupational accident coverage for owner operators.
• Business Insurance (BOP & Commercial Package) Commercial package policies and Business Owners Policies (BOP) designed for retailers, wholesalers, contractors, electricians and other businesses, including property, liability, and casualty coverage.
• Commercial Property Insurance Insurance covering company buildings and contents including lost income, business interruption, buildings, computers, money, and valuable papers, protecting against fire, burglary and vandalism.
• Cargo Insurance Insurance coverage for goods in transit by sea, land or international borders for manufacturers, importers, exporters, commodity traders, and logistics companies, including domestic transit and storage risks.
• General Liability Insurance Commercial General Liability (CGL) insurance protecting businesses from claims involving bodily injury or property damage arising from business operations, covering settlements, litigation and judgments.
• Commercial Umbrella Insurance Business umbrella coverage providing additional liability protection above basic business liability insurance limits, offering up to $10 million of additional funds for catastrophic claims.
• Contractors Insurance Insurance for contractors including general liability, completed operations, advertising personal injury, professional liability (E&O), and coverage for independent contractors, plumbers, electricians, carpenters, painters and other trades.
• Restaurant Insurance Insurance coverage for restaurants including general liability, workers compensation, loss of income, and crime/vandalism coverage for restaurants, food trucks, catering companies, bars, and cafeterias.
• Workers Compensation Insurance State-mandated workers compensation coverage providing lost wages and medical treatment for work-related injuries or illness, covering employees across various industries with rates based on classification codes.

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core.

• NationwidecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing personal and commercial insurance products through the agency.
• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and other personal insurance products.
• Berkshire HathawaycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner (through Guard and HomeState subsidiaries) providing personal and commercial coverage.
• HomeStatecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through the independent agency network.
• GuardcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner (Berkshire Hathaway subsidiary) providing personal and commercial insurance products.
• The HartfordcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing commercial and personal insurance products.
• QEOcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing specialized coverage options.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing commercial and specialty insurance products.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• GEICO: National direct-to-consumer insurer and a major competitive threat to agency-model personal-lines distribution; competes for the same auto and home customers that AIA places through carrier partners.
• Progressive: Both an AIA carrier partner and a direct-to-consumer competitor; represents the strategic tension between carrier-appointed agency distribution and direct digital channels.
• HUB International: Large North American insurance brokerage with extensive carrier access and specialty commercial expertise; relevant scale and roll-up comparable for agency-acquisition strategy.
• The Cincinnati Insurance Companies: Regional carrier with a strong independent-agent distribution model and commercial lines specialization; comparable as a carrier partner option and competitor for SMB commercial accounts.

Direct peers

• Goosehead Insurance: Independent insurance agency/franchise model comparing multiple carriers for personal and commercial lines, with a strong Texas presence. Closest direct comparable in distribution model and customer segment.
• Trusted Choice: Network/marketing brand for independent insurance agents, representing multiple carriers and serving the same personal-and-commercial-lines customers that AIA targets.
• Fred Loya Insurance: Texas-focused auto insurance agency with storefront distribution, competing directly for personal auto customers in the same geographic footprint.
• Higginbotham: Texas-based independent insurance brokerage offering personal and commercial lines across multiple carriers with deep regional carrier relationships and specialty commercial expertise.

Emerging players

• Lemonade: Insurtech disruptor using AI-driven direct distribution in renters, homeowners, and auto — illustrating the long-term competitive pressure on traditional independent agencies.

Regional players

• Texas Farm Bureau Insurance: Texas-domiciled regional carrier with a captive agent distribution model. Competes for the same Texas personal-lines customer base but does not offer AIA's independent multi-carrier comparison.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/NihillInsuranceServiceLlc
• LinkedInlinkedin.com/company/ascension-insurance-agency

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 Ascension Insurance Agency