eptwfg.com

What eptwfg.com does

TWFG Insurance Services, Inc. (DBA: TWFG | Trusted Insurance Agency, also operating as Estela Portillo Insurance) is a privately-held, family-owned independent insurance agency incorporated in Texas and headquartered at 4420 Cypress Creek Parkway, Suite 201, Houston, TX 77068. Founded in 2006, the agency distributes personal and commercial insurance products on behalf of more than 30 insurance carriers (and more than 300 brands within the small business segment) to individual, small business, commercial, and realtor-affiliated customers in the Houston metropolitan area.

Its core product offering spans personal lines (homeowner, renters, auto, motorcycle, dwelling, watercraft/boat, ATV/UTV, RV/trailer, Mexico, mobile home, classic cars, umbrella, flood, inland marine) and commercial lines (property, builder risk, commercial auto, general liability, professional liability, liquor liability, businessowner policy/BOP, workers compensation). Supporting technology is limited to a public website with quote-request forms (available in English, Spanish, and Portuguese) and a mobile application on iOS and Android that handles policy information, billing and payment, ID cards, document access, claims submission, and service requests for existing customers.

TWFG operates a sales-led, agent-mediated go-to-market: revenue is generated primarily through insurance carrier commissions on placed policies, with a stated 24-hour response commitment on quote requests and the requirement that coverage be bound only via direct contact with a licensed representative. Distribution runs through licensed agents reached by phone (832-446-6350), fax, email, in-office visits, and website quote forms, with retention supported by the mobile app and a customer referral program.

Name

eptwfg.com

Legal name

TWFG Insurance Services, Inc.

Website

https://eptwfg.com

Company type

Private

Founded year

2006

Operating status

Operating

Short description

TWFG is a family-owned independent insurance agency based in Houston, Texas, founded in 2006. It distributes personal and commercial insurance products from more than 30 carriers to individuals, small businesses, commercial clients, and realtors through licensed agents and a mobile app.

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, TWFG earns commissions from insurance carriers when they place policies for customers. They work with more than 30 insurance companies to find the best coverage options for their clients.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

TWFG is an independent insurance agency that places personal and commercial insurance policies with customers by shopping across more than 30 insurance carriers to find suitable coverage and pricing. Licensed agents deliver the offering via phone, office visits, website quote requests, and a mobile app, with products spanning homeowner, auto, renters, recreational vehicles, and a full suite of commercial lines including workers compensation, general liability, and business owner policies.

Product overview

TWFG (Trusted Insurance Agency) is an independent insurance agency headquartered in Houston, Texas, serving the Houston area since 2006. The company offers a comprehensive portfolio of insurance products and services through partnerships with over 30 insurance companies. Their personal insurance offerings include Homeowner, Renters, Auto, Motorcycle, Dwelling, Watercraft/Boat, ATV/UTV, RV/Trailer, Mexico, Mobile Home, Classic Cars, and Umbrella insurance. Their commercial insurance products include Flood, Inland Marine, Property, Builder Risk, General Liability, Professional Liability, Liquor Liability, Businessowner Policy (BOP), and Workers Compensation insurance. The company also provides specialized services for Small Businesses (access to 300+ insurance brands), Commercial clients, and Realtors. A key digital offering is the TWFG Mobile App, available on iOS and Android, which provides policy information, billing and payment, ID cards and documents, claims management, and service request capabilities. The company operates as a family-owned independent agency focused on providing personalized insurance solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowner Insurance
• Renters Insurance
• Auto Insurance
• Motorcycle Insurance
• Dwelling Insurance
• Watercraft/Boat Insurance
• Umbrella Insurance
• ATV/UTV Insurance
• RV/Trailer Insurance
• Mexico Insurance
• Mobile Home Insurance
• Classic Cars Insurance
• Commercial Property Insurance
• Flood Insurance
• Inland Marine Insurance
• Builder Risk Insurance
• General Liability Insurance
• Professional Liability Insurance
• Liquor Liability Insurance
• Businessowner Policy (BOP)
• Workers Compensation Insurance
• TWFG Mobile App
• Small Business Insurance Services
• Commercial Insurance Services
• Realtor Partnership Services

Quantifiable outcome

• Quote response within 24 hours
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• 30+ Insurance CarrierscoreChannel Partner/ Reseller/ DistributorTWFG operates as an independent insurance agency representing more than 30 insurance companies. They shop around with various carriers to find the perfect fit for each customer's needs and budget. For small business specifically, they have access to more than 300 different brands of insurance.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Others

• Trusted Choice: Independent insurance agents' network/branding program of which TWFG is a member — not a competitor but an ecosystem peer enabling the independent agency value proposition TWFG sells.

Direct peers

• Goosehead Insurance: Publicly traded independent insurance agency franchise that shops across multiple carriers to place personal and small-commercial coverage — the closest scaled analog to TWFG's independent model with carrier breadth.
• Brightway Insurance: Independent insurance franchise agency that represents multiple carriers for personal and commercial lines, directly comparable to TWFG's multi-carrier independent distribution approach.
• Hiscox: Specialty small-commercial insurer (BOP, professional liability, workers comp) that distributes via independent agents — directly comparable to TWFG's small-business/commercial book.

Broad incumbents

• Progressive: Direct and agency-distributed P&C carrier; while Progressive also works with independent agents, its direct-to-consumer pricing engine exerts margin pressure on agency-distributed competitors like TWFG.
• State Farm: Largest US personal-lines insurer using a captive agent network; competes with TWFG on the same personal lines (auto, home) but is captive to a single carrier, which TWFG positions against as an independent.
• Allstate: Major P&C insurer with a captive agent footprint covering auto, home, and small commercial — overlapping product set with TWFG and a key competitor for the same Houston consumer.

Emerging players

• Lemonade: D2C insurtech that sells homeowners and renters online with minimal agent involvement — represents the structural digital disruption risk to traditional independent agencies like TWFG.
• Hippo Insurance: D2C homeowners insurtech competing for the same homeowner/renters customer that is TWFG's primary segment, with a fully digital bind-and-issue flow versus TWFG's phone-required model.

Regional players

• Frankenmuth Insurance: Regional mutual carrier that distributes exclusively through independent agents across personal and commercial lines — comparable operating model to TWFG, though concentrated in the Midwest rather than Texas.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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 eptwfg.com