Top Tier Insurance

What Top Tier Insurance does

Top Tier Insurance is an independent insurance agency headquartered in the Portland, Oregon metro area (Milwaukie mailing address, PO Box 68351) serving individual consumers and small-to-medium businesses across Oregon and Washington. The firm distributes a comprehensive portfolio of personal lines — auto, homeowners (HO1-HO8), renters, individual life, motorcycle, boat/watercraft, RV, earthquake, mobile/manufactured home, and personal umbrella — together with commercial lines including Business Owners Policy, General Liability, Commercial Auto, Professional Liability, Workers Compensation, Group Life, surety Bonds, and Apartment Building Owners insurance. As an independent agency, Top Tier is appointed with roughly 13-14 carriers (Progressive, Hartford, Safeco, Stillwater, Encompass, Bristol West, Dairyland, Foremost, Hagerty, Kemper Specialty, National General, Viking) and competes on the ability to shop multiple markets for each customer.

The technology stack is entirely third-party: the website is built and hosted by alicorsolutions.com, and online quote intake, service requests (payments, claims, vehicle changes, address updates, policy changes), and referral forms are routed through secureformsolutions.com. There is no proprietary platform, mobile application, API, or AI/ML component disclosed. The agency's digital footprint consists of a content website with product pages, a Google Places listing for local SEO, and embedded self-service forms layered on top of a phone-driven, licensed-agent sales motion operating Monday-Friday 9:30am-5:00pm plus Saturday by appointment.

Commercially, the business operates on a standard independent-agency commission model: carriers pay placement and renewal commissions on each policy sold and renewed, and revenue is materially recurring given annual policy renewals and the multi-policy bundling typical in personal lines. The firm is privately held and owner-operated by Tyler Hibbitts, with a stated headcount of 5 employees and no disclosed institutional capital, parent company, or external funding. Customer acquisition relies on local search visibility, walk-in and phone inquiries, referral forms, and a "dedicated team per client" service model that competes primarily with captive agents and other independent agencies in the Portland metro rather than with national direct-to-consumer insurers.

Name

Top Tier Insurance

Legal name

Top Tier Insurance

Website

https://toptierins.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Top Tier Insurance is an independent insurance agency based in the Portland, Oregon metro area that places personal and commercial insurance policies for individuals, families, and small-to-medium businesses in Oregon and Washington through a 13-14 carrier panel.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industries

Full-Coverage Personal Auto Insurance (FSAJAAAF), General Liability Insurance (FSAJAMAE), Workers’ Compensation for High-Hazard & Specialty Trades (FSAJAEAF), Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Personal insurance
• Commercial insurance
• Independent insurance agency
• Auto insurance
• Home insurance

Headquarters

HQ city

Portland

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, Infrastructure, Others

Revenue model

1. Insurance Commission Revenue: Top Tier Insurance operates as an independent insurance agency earning revenue through commissions paid by insurance carriers for policies placed and renewed. As an independent agency representing multiple insurance companies (Stillwater, Encompass, Bristol West, Dairyland, Foremost, Hagerty, Hartford, Kemper Specialty, National General, Progressive, Safeco, Viking), they earn commissions on each policy sold or renewed. Revenue is recurring as insurance policies require annual renewal.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Top Tier Insurance is an independent insurance agency that sells personal and commercial insurance policies by placing clients with multiple carriers. The agency earns commission revenue from carriers and offers both consumer lines (auto, home, life, motorcycle, boat, RV, umbrella, earthquake, mobile home, renters) and business lines (business owners policy, general liability, commercial auto, workers compensation, bonds, professional liability, group life, apartment building owners) across Oregon and Washington.

Product overview

Top Tier Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through multiple carrier partnerships. The personal insurance suite includes Auto Insurance, Homeowners Insurance (HO1-HO8 forms), Renters Insurance, Individual Life Insurance (Term and Whole/Permanent), Motorcycle Insurance, Boat & Watercraft Insurance, Earthquake Insurance, Personal Umbrella, Recreational Vehicle Insurance, and Manufactured/Mobile Home Insurance. The commercial insurance portfolio encompasses Business Owners Policy (BOP), General Liability Insurance, Commercial Auto Insurance, Professional Liability Insurance (PLI), Workers Compensation Insurance, Group Life Insurance, Bonds (contract, subdivision, commercial, license/permit, court), and Apartment Building Owners Insurance. As an independent agency, they represent multiple insurance carriers to provide comparative quotes and customized coverage solutions for individuals and businesses in Oregon and Washington.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal insurance coverage for individuals and households in Oregon and Washington, spanning auto, home, life, motorcycle, boat, RV, umbrella, earthquake, mobile home, and renters policies placed with multiple carriers including Progressive, Safeco, Hartford, Foremost, Hagerty, Dairyland, Bristol West, Kemper Specialty, National General, Stillwater, Encompass, and Viking.
• Commercial Insurance Commercial insurance coverage for small businesses and property owners in Oregon and Washington, including business owners policy (BOP), general liability, commercial auto, workers compensation, bonds, professional liability, group life, and apartment building owners policies placed through the agency's carrier partners.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

13 partnerships are on record, tiered core.

• StillwatercoreChannel Partner/ Reseller/ DistributorStillwater is an insurance carrier represented by Top Tier Insurance. They provide property and casualty insurance products. Top Tier Insurance offers Stillwater policies to customers seeking auto, home, and other personal insurance coverage. Stillwater offers online payments and claims services to policyholders.
• EncompasscoreChannel Partner/ Reseller/ DistributorEncompass is an insurance carrier providing personal insurance products. Top Tier Insurance serves as a distribution partner offering Encompass policies to customers. Encompass provides online bill pay and claims services.
• Bristol WestcoreChannel Partner/ Reseller/ DistributorBristol West is an insurance carrier specializing in auto insurance. Top Tier Insurance represents Bristol West to provide auto coverage options to customers. Bristol West focuses on providing payment and claims services.
• Dairyland AutocoreChannel Partner/ Reseller/ DistributorDairyland Auto is an insurance carrier offering auto insurance products. Top Tier Insurance distributes Dairyland Auto policies. Policyholders can access online payments and claims services through Dairyland.
• Dairyland CyclecoreChannel Partner/ Reseller/ DistributorDairyland Cycle is an insurance carrier specializing in motorcycle and powersports insurance. Top Tier Insurance offers Dairyland Cycle coverage for motorcycle customers. Services available through online portal.
• ForemostcoreChannel Partner/ Reseller/ DistributorForemost is an insurance carrier offering various personal and commercial insurance products. Top Tier Insurance represents Foremost for multiple coverage types including specialty insurance products. Foremost provides online payments and claims processing.
• HagertycoreChannel Partner/ Reseller/ DistributorHagerty is an insurance carrier specializing in classic car and collector vehicle insurance. Top Tier Insurance offers Hagerty policies to customers with classic vehicles, collector cars, and specialty automobiles. Hagerty provides payment and claims services.
• HartfordcoreChannel Partner/ Reseller/ DistributorHartford is a major insurance carrier offering business and personal insurance products. Top Tier Insurance represents Hartford for various coverage types. Hartford is known for business insurance and provides comprehensive online service options.
• Kemper SpecialtycoreChannel Partner/ Reseller/ DistributorKemper Specialty is an insurance carrier offering specialty insurance products. Top Tier Insurance distributes Kemper Specialty policies. Kemper provides payment processing and claims center services.
• National GeneralcoreChannel Partner/ Reseller/ DistributorNational General is an insurance carrier offering auto, home, and specialty insurance products. Top Tier Insurance represents National General for various coverage types. National General provides online payments and claims services.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive is a major national insurance carrier known for auto insurance. Top Tier Insurance represents Progressive for auto and other insurance products. Progressive offers online policy management, payments, and claims services.
• SafecocoreChannel Partner/ Reseller/ DistributorSafeco is an insurance carrier offering personal insurance products including auto and home. Top Tier Insurance distributes Safeco policies. Safeco provides online account management, bill pay, and claims services.
• VikingcoreChannel Partner/ Reseller/ DistributorViking is an insurance carrier offering auto insurance products. Top Tier Insurance represents Viking for auto coverage. Viking provides online payments and claims services.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Goosehead Insurance: Independent insurance agency franchise operating a multi-carrier distribution model similar to Top Tier, with both personal and commercial lines. Goosehead's franchise structure and aggressive growth provide a benchmark for independent agency scaling and a potential competitive threat in Oregon/Washington.
• Leavitt Group: National network of independent insurance agencies offering personal, commercial, and employee benefits through multiple carrier partners. Operates a hub-and-spoke model that Top Tier could plug into for perpetuation or growth.
• Brown & Riding Insurance Services: Independent wholesale insurance brokerage focused on specialty and commercial lines. Represents the wholesale layer of the independent channel that complements retail agencies like Top Tier for complex placements.
• Brightway Insurance: Franchise independent insurance agency offering personal and commercial coverage through multiple carriers, comparable to Top Tier's independent agency model. Brightway's franchise system represents an alternative scaling path for owner-operators.

Emerging players

• Policygenius: Digital insurance marketplace that streamlines comparison shopping across multiple carriers for life, home, auto, and disability. Represents the insurtech competitive threat to traditional independent agencies like Top Tier.

Broad incumbents

• The Cincinnati Insurance Companies: Major P&C carrier that distributes exclusively through independent agents. Represents the type of carrier partner an agency like Top Tier would engage with and serves as a competitor for the same customer wallet share.
• Progressive: Major auto insurer that both distributes through independent agents (including Top Tier) and sells direct-to-consumer online, exemplifying the dual-channel competitive pressure Top Tier faces from carrier partners.
• HUB International: Large global insurance brokerage offering personal and commercial lines through agency and broker channels. Provides scale comparison for what a roll-up of small agencies could become, while competing for the same commercial accounts.
• Liberty Mutual: Large national insurance carrier with an independent agent channel offering personal and commercial coverage. Competes directly with Top Tier for the same customer base while also being a potential carrier partner.

Others

• SIAA (Strategic Insurance Agency Alliance): Alliance of independent insurance agencies of which Top Tier is a member (logo displayed on site). SIAA provides carrier access, perpetuation, and operational resources to member agencies, making it both a partner and a competitive ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/top-tier-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Top Tier Insurance