Warrior Insurance Network
Warrior Insurance Network is a Bedford Park, Illinois-based marketing organization that coordinates five member insurance carriers (FCIC, USIC, West Virginia National, Lonestar MGA, Texas Ranger MGA) with independent insurance producers across 15 actively writing states, distributing personal and commercial auto insurance products.
- Company typePrivate
- Founded1980
- HeadquartersBedford Park, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Warrior Insurance Network does
Warrior Insurance Network (WIN) is a privately held insurance marketing organization headquartered in Bedford Park, Illinois, that coordinates branding, communications, and distribution across a network of member insurance carriers and independent insurance producers. Founded in 1980 with roots extending back to 1920 through First Chicago Insurance Company (FCIC), WIN serves as the connective platform between five member carriers — FCIC, United Security Insurance Company (USIC), West Virginia National Auto Insurance Company (which joined in March 2024), Lonestar Managing General Agency, and Texas Ranger MGA — and a distributed base of independent insurance agencies across 27 licensed states (15 actively writing).
The organization distributes a portfolio of personal and commercial auto insurance products, including Preferred and Standard Personal Auto, Commercial Auto, Public Transportation, and Artisan Liability coverages, plus optional coverages such as Contents Plus Renters, Roadside Assistance, and Transportation Network Coverage. Its technology stack comprises corporate websites, self-service portals, interactive phone systems, and the Warrior Mobile App (available on iOS and Android with Spanish language support), which provides 24/7 policyholder services including claims filing with audio/video capture, digital ID cards, roadside assistance, bill management, and telematics tracking across AR, IA, IL, IN, KS, and select MO policies.
WIN generates revenue through its member insurance companies collecting premiums from policyholders for personal and commercial auto products distributed through independent agencies; pricing is determined by individual risk assessment and underwriting criteria rather than published rate cards. The organization has no parent company, no disclosed external investors, and is collectively managed by its member carriers, with member carriers collectively having written over $1B in insurance premiums.
Warrior Insurance Network firmographics
Firmographics- Name
- Warrior Insurance Network
- Legal name
- Warrior Insurance Network
- Website
- https://warriorinsurancenetwork.com
- Company type
- Private
- Founded year
- 1980
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Warrior Insurance Network is a Bedford Park, Illinois-based marketing organization that coordinates five member insurance carriers (FCIC, USIC, West Virginia National, Lonestar MGA, Texas Ranger MGA) with independent insurance producers across 15 actively writing states, distributing personal and commercial auto insurance products.
- Ownership category
- akta.pro rank
Warrior Insurance Network industry classification
Industry- Product category
- Insurance Distribution Network
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Personal Auto Insurance (FSAJAMAA)
- akta.pro secondary industries
- Motor Vehicle Liability Insurance (FSAJAMAC), General Liability Insurance (FSAJAMAE)
Keywords
Where Warrior Insurance Network is headquartered
LocationHeadquarters
- HQ city
- Bedford Park
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Warrior Insurance Network business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Others
Revenue model
- Insurance Premiums: The network generates revenue through its member insurance companies (FCIC, USIC, West Virginia National, Lonestar MGA, Texas Ranger MGA) collecting insurance premiums from policyholders for personal auto, commercial auto, and other insurance products distributed through independent insurance agents.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Warrior Insurance Network product offering
Product offeringCore offering
Warrior Insurance Network is a marketing organization that coordinates branding and communications between five member insurance carriers (FCIC, USIC, West Virginia National Auto, Lonestar MGA, Texas Ranger MGA) and independent insurance producers/agencies. It distributes personal auto insurance (preferred and standard), commercial auto insurance, public transportation insurance, and artisan liability coverage across 15 states. Policyholders are supported through the Warrior Mobile App, providing 24/7 self-service access to policies, claims, roadside assistance, bill management, digital ID cards, and telematics.
Product overview
Warrior Insurance Network (WIN) is a marketing organization that services a select group of insurance carriers and independent insurance agents offering personal and commercial auto insurance products across 15 states. WIN operates as a platform connecting five member companies: First Chicago Insurance Company (FCIC), United Security Insurance Company (USIC), West Virginia National Auto Insurance Company, Lonestar Managing General Agency, and Texas Ranger MGA. The member companies collectively offer a portfolio of insurance products including Preferred Personal Auto, Standard Personal Auto, Commercial Auto, Public Transportation, and Artisan Liability, underwritten by FCIC and USIC in Bedford Park, IL and West Virginia National in Morgantown, WV. WIN member companies are licensed in 27 states. The network also provides the Warrior Mobile App for policyholder self-service including claims, roadside assistance, payments, policy access, digital ID cards, and telematics.
Differentiator
Problem solved
Functional benefit
Products and services
- Preferred Personal Auto Insurance Personal auto insurance coverage for preferred risk drivers, distributed through independent insurance producers across WIN's active states. Underwritten by FCIC and USIC.
- Standard Personal Auto Insurance Personal auto insurance coverage for standard risk drivers, distributed through independent producers. Underwritten by FCIC and USIC.
- Commercial Auto Insurance Commercial auto insurance coverage for business vehicles and commercial fleets, distributed through independent insurance producers. Underwritten by FCIC.
- Public Transportation Insurance Insurance coverage for public transportation operators including taxi and livery services, distributed through independent producers.
- Artisan Liability Insurance Liability insurance coverage for artisan contractors and tradespeople, distributed through independent insurance producers. Underwritten by FCIC.
- Warrior Mobile App Mobile application providing 24/7 access to policyholder services for FCIC and USIC policyholders, including policy documents, roadside assistance, bill management, claims filing with audio/video recording, digital ID cards, and telematics tracking. Available on iOS and Android with Spanish language support.
Companies that use Warrior Insurance Network
Customer profileNamed customers2 records
Segments1 record
Ideal customer profiles2 records
Warrior Insurance Network technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Warrior Insurance Network partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- West Virginia National Auto Insurance CompanycoreJoined WIN in March 2024. One of the oldest domiciled auto insurance carriers in West Virginia, founded in 1998. Mission is to provide quality affordable insurance distributed through independent agents. Headquartered in Morgantown, WV.
- Texas Ranger MGAcoreCreated to expand WIN's presence in the Texas market, with operations in Texas for 15 years. Offers USIC's Texas Ranger Personal Auto Insurance Program providing physical damage coverage based on vehicle value rather than traditional ISO symbol rating. Currently seeking independent insurance agency partners. Contact: 844-281-1605.
- Lonestar Managing General AgencycoreCreated in 2007 to expand WIN's presence to the Texas market. Offers two personal auto insurance programs (Maverick & Point Rider) designed to provide options and flexibility within underwriting, pricing, and claims service. Products issued through FCIC or Home State County Mutual Insurance Company. Contact: 877-428-8466.
- United Security Insurance Company (USIC)coreMember company celebrating 50th anniversary in 2023. Specializes in affordable Personal Lines Auto Insurance products with multiple discounts, responsive claims handling, and quality customer service. Headquartered at 6640 S. Cicero Avenue, Bedford Park, IL 60638. Offers insurance via independent agencies in Arkansas, Illinois, Indiana, Oklahoma, and Texas.
- First Chicago Insurance Company (FCIC)coreMember company of Warrior Insurance Network. Roots trace back to 1920, evolved into multi-line insurance carrier offering Personal & Commercial Auto and General Liability insurance. Headquartered at 6640 S. Cicero Avenue, Bedford Park, IL 60638. Currently offers insurance via independent agencies throughout Illinois, Indiana, Iowa, Kansas, Louisiana, Missouri, New Jersey, Ohio, Pennsylvania, Texas, and Wisconsin.
Scale indicators5 records
Recent moves8 records
Expansion highlights4 records
Warrior Insurance Network competitors and assessment
Company assessmentBroad incumbents
- Progressive Insurance: Progressive is the third-largest U.S. personal auto insurer, offering preferred and non-standard auto insurance with significant direct and agent-channel distribution. As a broad incumbent, it competes for the same personal auto policyholders WIN member carriers serve.
- Burns & Wilcox: Burns & Wilcox is a major wholesale insurance broker and MGA providing agents access to specialty and standard market carriers. It operates a comparable network distribution model though at significantly greater scale than WIN.
- Allstate Insurance: Allstate is a major national P&C insurer with extensive personal auto and commercial lines offerings distributed through both captive and independent agents. It represents the broad incumbent benchmark for the auto insurance products WIN distributes.
- GEICO: GEICO is the second-largest U.S. personal auto insurer and a Berkshire Hathaway subsidiary, operating primarily through direct-to-consumer channels. It is a key competitor for personal auto policyholders that WIN member carriers and independent agents serve.
- NSM Insurance Group: NSM Insurance Group is a specialty insurance program manager and MGA managing multiple niche programs. While broader in scope than WIN, NSM operates a similar carrier/program aggregation model and is relevant to WIN's network/marketing organization approach.
Direct peers
- ISU International: ISU International is an insurance agency network with member agencies across the U.S. that provides access to multiple carriers and products. It mirrors WIN's model of connecting independent agents with carrier portfolios, though with broader national footprint.
- SIAA (Strategic Insurance Agency Alliance): SIAA is one of the largest independent insurance agency alliances in the U.S., connecting thousands of agents with multiple carrier partners. Like WIN, SIAA operates a network model aggregating independent producers and carrier access, making it a directly comparable peer.
- Smart Choice® (Smart Choice Agents Insurance): Smart Choice is a national insurance agency network marketing itself to independent agents, offering access to multiple carrier partners and product lines. Comparable to WIN as a network marketing organization serving independent producers.
- Confie (Hilo Insurance Services): Confie is a national insurance distribution company operating a network of retail insurance agencies focused primarily on personal auto and homeowners insurance. Comparable to WIN in targeting personal auto distribution through independent producers.
Emerging players
- Abacus Insurance (and related MGA platforms): Abacus Insurance operates as a managing general agency focused on personal auto insurance distributed through independent agents. As an emerging MGA, it represents a newer, more nimble competitive model with similar agent-distributed auto underwriting focus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Warrior Insurance Network social profiles
Digital presenceWarrior Insurance Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
Warrior Insurance Network leadership team
Management profileNumber of profiles
Warrior Insurance Network subsidiaries and ownership
Company hierarchySubsidiaries5 records
Warrior Insurance Network funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Warrior Insurance Network M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Warrior Insurance Network
What does Warrior Insurance Network do?
Warrior Insurance Network is a marketing organization that coordinates branding and communications between five member insurance carriers (FCIC, USIC, West Virginia National Auto, Lonestar MGA, Texas Ranger MGA) and independent insurance producers/agencies. It distributes personal auto insurance (preferred and standard), commercial auto insurance, public transportation insurance, and artisan liability coverage across 15 states. Policyholders are supported through the Warrior Mobile App, providing 24/7 self-service access to policies, claims, roadside assistance, bill management, digital ID cards, and telematics.
Is Warrior Insurance Network a public or private company?
Warrior Insurance Network is a private company. It is classified as unknown and is currently operating.
When was Warrior Insurance Network founded?
Warrior Insurance Network was founded in 1980. It employs 11 to 50 people.
Where is Warrior Insurance Network based?
Warrior Insurance Network is headquartered in Bedford Park, United States, in the North America region.
How does Warrior Insurance Network make money?
One revenue line is on record: insurance Premiums.
Who are Warrior Insurance Network's main competitors?
Broad incumbents on record are Progressive Insurance, Burns & Wilcox, Allstate Insurance, GEICO and NSM Insurance Group. Direct peers are ISU International, SIAA (Strategic Insurance Agency Alliance), Smart Choice® (Smart Choice Agents Insurance) and Confie (Hilo Insurance Services). Abacus Insurance (and related MGA platforms) is listed as an emerging player.
Does Warrior Insurance Network have an API?
No public API is recorded for Warrior Insurance Network.
What industry is Warrior Insurance Network in?
Warrior Insurance Network's product category is Insurance Distribution Network. Its primary akta.pro industry code is FSAJAMAA, Personal Auto Insurance, with a secondary code of FSAJAMAC, Motor Vehicle Liability Insurance. Its NAICS code is 5242 and its SIC code is 6411.