Liberty Automotive Group

What Liberty Automotive Group does

The Liberty Company Insurance Brokers is a privately held, family-owned independent insurance brokerage founded in 1987 by Bill Johnson (current Chairman and CEO) and headquartered in Gainesville, Florida. The firm operates through more than 80 offices across all 50 U.S. states, building a national footprint almost entirely through a partnership-driven acquisition model that has absorbed more than 50 agencies since 2019 (12 transactions closed in 2025 alone). It generates revenue primarily by placing commercial, personal, and employee benefits insurance with carriers and earning commissions, with reported 2025 revenue of $222.4 million and 16.3% year-over-year growth.

The company's product surface spans commercial insurance (General Liability, Workers' Compensation, Commercial Auto, D&O, E&O, EPLI, M&A Insurance, Cyber Liability, and Professional Liability) with industry specialty programs in Healthcare, Behavioral Health/ABA, Construction, Real Estate, Trucking/Transportation, Farm & Agriculture, and an exclusive Lawyers Professional Liability program with CNA; personal lines (Home, Auto, Life, Private Client for high-net-worth households); and employee benefits (Medical, Dental, Vision, Retirement, Human Capital Management, and the LibWell digital wellness platform). Technology assets include the LibWell wellness platform integrated with third-party partners, a digital quote-request portal, and a stated generative-AI agenda under the newly created Chief AI Officer role. Specialty practices contributed 11% of 2025 revenue and are the explicit growth-margin lever.

The business model is a hybrid of direct producer-led sales (enterprise target market), a self-serve website quote channel (SMB/consumer), and an agency-partnership/channel network (mid-market). Customer segments are diversified across commercial businesses (vertical segmentation by industry), individuals and families (including high-net-worth Private Client), employer clients seeking benefits and HR solutions, and entrepreneurial agency owners joining the Liberty platform. The firm has been recognized with multiple 2026 industry awards — PropertyCasualty360 Insurance Luminaries Brokerage of the Year, Inc. 2026 Best Workplaces, Inc. 2026 Regionals Southeast, Insurance Business America 2026 Fast Brokerages, Top 50 Personal Lines Retail Agencies (Insurance Journal), Top Insurance Employer, and Best Agency to Work For – West — underscoring brand strength in the independent brokerage segment.

Name

Liberty Automotive Group

Legal name

The Liberty Company Insurance Brokers

Website

https://tlcautogroup.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

The Liberty Company Insurance Brokers is an independent, family-owned insurance brokerage placing commercial, personal, and employee benefits coverage across all 50 U.S. states via 80+ offices and a partnership-driven acquisition model, with $222.4M in 2025 revenue.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Commercial insurance brokerage
• Personal insurance coverage
• Employee benefits consulting
• Risk management services
• Specialty insurance programs

Headquarters

HQ city

Gainesville

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Liberty operates as an independent insurance brokerage earning commissions on insurance policies placed with carriers. Revenue comes from commercial insurance, personal insurance, and employee benefits lines. The company reports $222.4 million in revenue for 2025, representing 16.3% growth. Specialty practices now account for 11% of total revenue.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

The Liberty Company Insurance Brokers is an independent insurance brokerage that places commercial insurance, personal insurance, and employee benefits coverage with carriers on behalf of businesses and individuals across all 50 U.S. states. The firm operates through a network of 80+ offices and licensed advisors, supported by digital quote request capabilities, the LibWell wellness platform, and a partnership-driven acquisition model under which it acquires and partners with entrepreneurial agency owners. Revenue is generated primarily through commissions on insurance policies placed with carriers.

Product overview

The Liberty Company Insurance Brokers is an independent insurance brokerage offering a comprehensive suite of commercial insurance, personal insurance, and employee benefits solutions. The company operates across all 50 states through a platform designed for entrepreneurial producers and agency leaders. Core offerings include Commercial Insurance (General Liability, Workers' Compensation, Commercial Auto, Professional Liability, Cyber Liability), Personal Insurance (Home, Life, Auto, Private Client), Employee Benefits (Medical, Dental, Vision), and Business Solutions (Human Capital Management, HR Services, Retirement, Risk Management, LibWell Wellness). Specialty programs target specific industries including Healthcare, ABA providers, Construction, Real Estate, Trucking, and Farm & Agriculture. The company's LPL Program with CNA provides specialized Professional Liability coverage for lawyers, accountants, and dentists.

Differentiator

Problem solved

Functional benefit

Brands

• LibWell: Wellness benefit program offering customized wellness programs, coaching, resources, and events through a network of third-party partners.
• Liberty Collateral Protection
• Liberty Naranjo

Products and services

• Commercial Insurance Business insurance coverage spanning General Liability, Workers' Compensation, Commercial Auto, D&O, E&O, EPLI, and M&A Insurance for commercial clients across all 50 U.S. states.
• Personal Insurance Individual and family insurance coverage including Home, Life, Auto, and Private Client insurance for high net worth individuals, recognized as a Top 50 Personal Lines Retail Agency by Insurance Journal.
• Employee Benefits Benefits solutions including Medical Options, Group Dental, and Vision coverage for employer clients, with consulting and administration support.
• Business Solutions Suite of business services including Human Capital Management, Human Resource Services, Retirement Solutions, Risk Management, and the LibWell Wellness Benefit Program for employer clients.
• Trucking Insurance Specialty insurance coverage for the trucking and transportation industry including Commercial Trucking Liability, Physical Damage, Specialty Trucking, Workers Compensation, Businessowners Policy, Motor Truck Cargo, Long Haul Trucking, and Excess Liability.
• Professional Liability Insurance Coverage protecting professionals from claims of negligence, errors, or omissions in professional services, including specialized programs for Lawyers, Accountants, and Dentists.
• Cyber Liability Insurance Financial protection and critical resources to help recover from cyberattacks, including Business Interruption, Privacy & Data Breach Response, Cyber Extortion, Network Security, Hardware Replacement, Media & Reputation Harm, PCI Fines & Regulatory Defense, Funds Transfer Fraud, and Tech E&O coverage.
• Specialty Insurance Programs Industry-specific insurance programs including Healthcare Services, Behavioral Health Providers (ABA), Collateral Protection Insurance, Construction, Real Estate, and Farm & Agriculture.
• Liberty Collateral Protection Customized lender-placed insurance that safeguards portfolios and cuts costs by up to 30 percent.
• Liberty's Exclusive LPL Program with CNA Exclusive Lawyers Professional Liability insurance program underwritten by CNA, offering coverage for law firms with 1 to 49 attorneys in California, Hawaii, and Nevada, with options from $100,000 per claim to $10M/$10M.
• LibWell Wellness Benefit Program Customized wellness programs, coaching, resources, and events through Libwell and Liberty's experienced network of third-party partners, supporting employee well-being.
• Agency Partnerships Program Partner program offering Administrative & Operations Support, HR/Recruiting & Culture Support, Large Carrier Network, Producer Technology Stack, and Partnerships & Growth Financing for insurance agencies.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature2 records

Partnerships

One partnership is on record.

• Tava HealthcoreStrategic or Co-development Partner · 14 July 2026Liberty partnered with Tava Health, a digital mental health platform, to make quality mental health care simple and fast for Liberty employees and clients. Tava Health connects individuals with licensed providers for accessible, high-quality care, with sessions available online or in person, often within days rather than months. The platform is in-network with majority of major insurance carriers. Liberty introduced Tava Health to its employees first, then extended to clients to help employers offer a valuable wellness benefit that supports employee well-being.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Marsh McLennan: Marsh is a global insurance brokerage and risk advisory giant that overlaps heavily with Liberty in commercial P&C, employee benefits, and risk consulting. It is a broader incumbent that competes for Liberty's mid-market and large commercial clients.
• Aon: Aon is a global professional services firm offering insurance brokerage, reinsurance, and HR/benefits consulting. Its commercial insurance and employee benefits practices compete directly with Liberty for middle-market and enterprise clients.

Direct peers

• Lockton Companies: Lockton is the world's largest privately held insurance brokerage, offering commercial, benefits, and risk management across multiple geographies. Its privately held, partnership-driven culture and broad product offering are comparable to Liberty.
• Acrisure: Acrisure is a fast-growing, tech-enabled insurance brokerage built via aggressive M&A across commercial, personal, and benefits lines. Its partnership-driven model and acquisition velocity are directly comparable to Liberty's 50+ transactions since 2019.
• Alliant Insurance Services: Alliant is a privately held US insurance brokerage specializing in commercial, personal, and employee benefits, with strong specialty practices. Its diversified product mix and producer-led distribution are comparable to Liberty's model.
• USI Insurance Services: USI is a large, PE-backed US insurance brokerage and benefits consultant that grew aggressively through acquisitions. Its mid-market commercial, personal, and employee benefits focus along with its partnership-with-producers culture is highly comparable to Liberty.
• IMA Financial Group: IMA Financial is a privately held commercial insurance, benefits, and wealth management firm grown through acquisitions and partnerships. Its mid-market focus, employee benefits depth, and Great Plains / West geographic footprint are comparable to Liberty.
• AssuredPartners: AssuredPartners is a PE-backed national insurance brokerage built primarily through acquisitions of regional agencies, offering commercial, personal, and benefits lines. Its roll-up playbook, geographic breadth, and product mix closely mirror Liberty's growth strategy.
• Hub International: Hub International is one of the largest North American insurance brokerages, formed through the acquisition of hundreds of regional agencies. Its mid-market commercial, personal, and benefits offerings and acquisition model are directly comparable to Liberty.
• Brown & Riding Insurance Services: Brown & Riding is a privately held specialty insurance brokerage offering commercial and personal lines across the US. It is comparable to Liberty as a mid-sized, acquisition-driven independent brokerage with a strong specialty and producer-partnership model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCu-2TqTxOApo-9jNbK_SFyg
• Facebookfacebook.com/TheLibertyCompanyBrokers
• LinkedInlinkedin.com/company/liberty-automotive-group
• Instagraminstagram.com/libertycobrokers

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

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 Liberty Automotive Group