ABA Insurance
ABA Insurance is an independent insurance agency in Boulder, Colorado, representing 25+ carriers to deliver personal and commercial insurance products to local individuals and small businesses across the state via commission-based brokerage.
- Company typePrivate
- Founded2009
- HeadquartersBoulder City, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What ABA Insurance does
ABA Insurance is an independent insurance agency headquartered in Boulder, Colorado, operating from a single office at 1434 Spruce St, Ste 100. Founded in 2009 (per the company's own website copyright; firmographic data lists 1956, which conflicts and appears less reliable), the firm is privately held with no external investors, parent company, or funding rounds disclosed. It is owned and operated by Don Harmon (Owner/Agent) and includes Eric Cowan (Agent), placing headcount in the 1-10 range.
The agency operates as a multi-carrier broker, holding appointments with 25+ insurance carriers including Liberty Mutual, Travelers, Hartford, CNA, MetLife, Berkshire Hathaway Guard, Pinnacol Assurance, Safeco, Foremost, and Dairyland, among others. It distributes both personal lines (auto, home, life, health, Medicare, motorcycle, boat, ATV, RV, classic car, flood, earthquake, windstorm, mobile home, SR22, umbrella, short-term rental) and commercial lines (business owners packages, general liability, commercial auto, commercial real estate, contractor insurance, workers compensation, and 45+ industry-specific products such as cyber liability, EPLI, surety bonds, restaurant, and trucking). Revenue is generated exclusively through commissions paid by carrier partners on policies sold and renewed, with pricing delivered via personalized quotes (no public rates).
Technology is minimal and non-proprietary: ABA relies on third-party carrier systems for quoting, policy administration, and claims, plus standard business tools for communications (email newsletter, SMS). A partnership with Coterie Insurance provides a digital instant-quote channel for small business owners. The firm does not develop proprietary software, deploy AI/ML systems internally, or hold patents. Customers are individual consumers and small-to-medium businesses in Boulder, Denver, and throughout Colorado; distribution is dominated by phone-based relationship selling, supplemented by online quote forms, in-person office consultations, and local SEO/Google Business Profile presence.
ABA Insurance firmographics
Firmographics- Name
- ABA Insurance
- Legal name
- ABA Insurance
- Website
- https://insurewithaba.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ABA Insurance is an independent insurance agency in Boulder, Colorado, representing 25+ carriers to deliver personal and commercial insurance products to local individuals and small businesses across the state via commission-based brokerage.
- Ownership category
- akta.pro rank
ABA Insurance industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)
- akta.pro secondary industries
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Hired & Non-Owned Auto (FSAJABAE), Standalone Umbrella Liability (FSAJANAE), Commercial Umbrella Insurance (FSAJANAB), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where ABA Insurance is headquartered
LocationHeadquarters
- HQ city
- Boulder City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ABA Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commission Revenue: ABA Insurance generates revenue through commissions paid by insurance carrier partners when they sell and service insurance policies. As an independent agency, they earn a percentage of the premium from each policy sold and renewed. The agency offers multiple lines of insurance including personal (auto, home, life, health, Medicare) and commercial (business owners packages, general liability, commercial auto, contractor insurance, workers compensation).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing tailored to individual risk profiles and coverage needs |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
ABA Insurance product offering
Product offeringCore offering
ABA Insurance is an independent insurance agency that brokers personal and commercial insurance policies from 25+ carrier partners to clients in Boulder, CO and across Colorado. Personal lines include auto, home, life, health, Medicare, and specialty coverages (motorcycle, boat, ATV, RV, classic car, flood, earthquake, windstorm, mobile home, umbrella, SR22, short-term rental), while commercial lines cover BOP, general liability, commercial auto, commercial real estate, contractor, workers compensation, and 45+ industry-specific products. Revenue is generated through carrier-paid commissions on bound and renewed policies.
Product overview
ABA Insurance operates as an independent insurance agency offering a broad portfolio of personal and commercial insurance products. Their personal lines include auto, homeowners, life, health, Medicare, boat/watercraft, motorcycle, ATV, RV, classic car, flood, earthquake, windstorm, mobile home, and specialty coverages (SR22, umbrella, short-term rental). Commercial offerings encompass business auto, general liability, commercial real estate, contractor insurance, workers compensation, business owners packages, and 45+ industry-specific products. The agency functions as a broker representing multiple insurance carriers to provide personalized coverage solutions throughout Boulder, CO and Colorado.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Vehicle coverage including collision, liability, comprehensive, uninsured motorist, medical payments, and roadside assistance for personal auto policyholders in Colorado.
- Homeowners Insurance
Quantifiable outcome
- Customers report saving significant money on home and auto insurance compared to previous providers
Companies that use ABA Insurance
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
ABA Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ABA Insurance partnerships and signals
Strategic signalPartnerships
28 partnerships are on record, tiered core and minor.
- Allied InsurancecoreABA Insurance represents Allied Insurance as one of their carrier partners, offering property and casualty insurance products to clients. Customers can access Allied Insurance payment portal and claims services through ABA's customer service.
- American ModerncoreABA Insurance is a licensed agent for American Modern insurance products, providing specialty insurance solutions including manufactured home and collector vehicle coverage.
- AM Wins GroupcoreABA Insurance offers AM Wins Group insurance products through their agency, providing auto and specialty insurance coverage options to Colorado clients.
- Berkshire Hathaway GuardcoreABA Insurance represents Berkshire Hathaway Guard for commercial and personal insurance products, leveraging the financial strength of Berkshire Hathaway.
- CNAcoreABA Insurance offers CNA commercial insurance products including business owners policies, general liability, and professional liability coverage.
- DairylandcoreABA Insurance represents Dairyland Insurance for motorcycle and auto insurance products, particularly serving high-risk drivers and specialty vehicle coverage.
- Employers InsurancecoreABA Insurance offers Employers Insurance workers compensation products to Colorado businesses through their agency.
- EncompasscoreABA Insurance provides Encompass personal insurance products including home, auto, and umbrella coverage with bundling options.
- ForemostcoreABA Insurance represents Foremost Insurance for specialty products including mobile home, landlord, and classic car insurance.
- HartfordcoreABA Insurance offers Hartford insurance products including business insurance, workers compensation, and employee benefits solutions.
- HullcoreABA Insurance provides Hull Insurance products for commercial coverage needs including garage keepers and dealers insurance.
- KempercoreABA Insurance represents Kemper for auto and property insurance products, serving standard and non-standard driver markets.
- Liberty MutualcoreABA Insurance offers Liberty Mutual insurance products including home, auto, and business coverage with multi-policy discount opportunities.
- Markel First CompcoreABA Insurance provides Markel First Comp workers compensation insurance for small businesses, particularly artisan contractors.
- MetLifecoreABA Insurance offers MetLife insurance products including life insurance, dental, and employee benefits through their agency.
- National GeneralcoreABA Insurance represents National General for auto insurance products, including non-standard and preferred risk categories.
- Pacific SpecialtycoreABA Insurance offers Pacific Specialty Insurance products for commercial and specialty coverage needs.
- Philadelphia InsurancecoreABA Insurance provides Philadelphia Insurance products for commercial lines including general liability and business auto coverage.
- Pinnacol AssurancecoreABA Insurance offers Pinnacol workers compensation insurance, Colorado's largest workers comp provider, to local businesses.
- RockwoodcoreABA Insurance represents Rockwood Insurance for commercial property and casualty coverage.
- RPScoreABA Insurance offers RPS (RPS Agency) insurance products for specialty commercial coverage needs.
- SafecocoreABA Insurance provides Safeco Insurance products for personal lines including home, auto, and umbrella coverage with easy bundling.
- State AutocoreABA Insurance represents State Auto Insurance for personal and commercial insurance products.
- StillwatercoreABA Insurance offers Stillwater Insurance products for home, auto, and small business coverage.
- The GeneralcoreABA Insurance represents The General for non-standard auto insurance products, serving drivers who need SR22 filings.
- Titan InsurancecoreABA Insurance offers Titan Insurance products for auto and specialty vehicle coverage.
- TravelerscoreABA Insurance is a licensed Travelers Insurance agent offering business insurance, personal insurance, and specialty products backed by Travelers' financial strength.
- Coterie InsuranceminorABA Insurance partners with Coterie Insurance to offer instant small business quotes online, providing digital-first insurance options for small business owners seeking quick coverage.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
ABA Insurance competitors and assessment
Company assessmentBroad incumbents
- Allstate: Major national carrier with an agency distribution model competing across ABA's core personal and small-commercial lines. Represents the scaled-incumbent version of the relationship-led agency motion.
- Hub International: Large North American insurance brokerage acquiring independent agencies and serving commercial clients. Represents the scale-out trajectory for a successful local agency and a potential roll-up acquirer for ABA.
- Progressive: Direct-to-consumer auto and home carrier that bypasses agents but competes for the same personal-lines customers ABA serves. A key share-taker in personal auto that pressures agency retention.
- Travelers: Major carrier partner of ABA for business and personal lines. Competes in the same SMB commercial segment while also relying on independent agents including ABA for distribution.
- Brown & Brown Insurance: Public national insurance brokerage built largely through independent-agency acquisitions. Same broker-to-carrier economics as ABA, but with diversified geographic and product footprint — a likely buyer profile for scaled roll-ups.
- State Farm: Largest US personal-lines carrier operating through captive agents across the same household insurance categories ABA sells (auto, home, life). Not a direct competitor on the broker side but competes for the same consumer wallet.
- Liberty Mutual: One of ABA's carrier partners that also sells direct and through other agencies. Directly competes in personal auto, home, and small commercial while simultaneously being a supplier to ABA — a dual supplier-and-competitor relationship.
Direct peers
- Goosehead Insurance: Public independent insurance agency franchise representing multiple carriers across personal and commercial lines. Closely comparable business model — multi-carrier comparison shopping, commission-based revenue, SMB and household focus — but at vastly greater scale.
- Brightway Insurance: Independent insurance agency franchise selling personal and commercial lines through multiple carrier appointments. Operates the same brokerage model with local agent relationships and multi-carrier choice, making it the most directly comparable distribution peer.
Emerging players
- Coterie Insurance: Insurtech MGA providing instant online small-business quoting that ABA partners with. Represents both a partner (today) and a structural threat — direct digital binding could disintermediate local agents on small commercial over time.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
ABA Insurance social profiles
Digital presenceABA Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
ABA Insurance leadership team
Management profileNumber of profiles
Profiles2 records
ABA Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ABA Insurance 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 ABA Insurance
What does ABA Insurance do?
ABA Insurance is an independent insurance agency that brokers personal and commercial insurance policies from 25+ carrier partners to clients in Boulder, CO and across Colorado. Personal lines include auto, home, life, health, Medicare, and specialty coverages (motorcycle, boat, ATV, RV, classic car, flood, earthquake, windstorm, mobile home, umbrella, SR22, short-term rental), while commercial lines cover BOP, general liability, commercial auto, commercial real estate, contractor, workers compensation, and 45+ industry-specific products. Revenue is generated through carrier-paid commissions on bound and renewed policies.
Is ABA Insurance a public or private company?
ABA Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ABA Insurance founded?
ABA Insurance was founded in 2009. It employs 1 to 10 people.
Where is ABA Insurance based?
ABA Insurance is headquartered in Boulder City, United States, in the North America region.
How does ABA Insurance make money?
One revenue line is on record: insurance Commission Revenue.
Who are ABA Insurance's main competitors?
Broad incumbents on record are Allstate, Hub International, Progressive, Travelers, Brown & Brown Insurance, State Farm and Liberty Mutual. Direct peers are Goosehead Insurance and Brightway Insurance. Coterie Insurance is listed as an emerging player.
Does ABA Insurance have an API?
No public API is recorded for ABA Insurance.
What industry is ABA Insurance in?
ABA Insurance's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAJAMAG, Commercial Package / Business Owners Policies (BOP), with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 524210 and its SIC code is 6411.