What Stewart Insurance does

Stewart Insurance is a privately held insurance brokerage firm headquartered in Houston, Texas, and a wholly owned subsidiary of Stewart Title Company. Founded in 2004 and operating with 11-50 employees, the firm specializes in insurance products for the real estate transaction ecosystem, serving three primary vertical segments: title agents and title companies, real estate attorneys, and real estate brokers and mortgage bankers, alongside a horizontal personal insurance practice targeting homeowners, homebuyers, and property investors. Its product portfolio spans business insurance (Professional Liability/E&O, Cyber Liability, Crime Coverage, Escrow Security Bonds, General Liability, Workers Compensation, Commercial Property, Commercial Auto, Surety Bonds, Directors and Officers, and Excess Liability) and personal insurance (Home, Auto, Flood, Umbrella, Renters, Investment Property, Vacation Property, Wind, and Watercraft), offered through a broker model that places coverage with multiple carrier partners.

The company's technology stack includes an AI-Powered Insurance Plan Assessment tool that augments advisor-led coverage evaluation, an online quote request and renewal platform on stewartinsurance.com, and downloadable educational PDF guides on E&O, cyber liability, crime coverage, and lawyers professional liability. Revenue is generated through insurance brokerage commissions on placement, with annual policy renewals creating recurring commission income from the existing book.

Stewart Insurance operates a multi-channel go-to-market combining inside sales (phone and email), digital self-service (website quote forms and renewals), community-led referral acquisition, and event-driven demand generation through CE courses (as Texas CE Provider #10021), local Houston classes, webinars, and a weekly Real Estate Matters radio show on KPRC 950 AM. Marketing emphasizes trust and domain expertise within real estate, supported by prominent client testimonials and a content marketing program spanning blog posts, guides, and social media.

Name

Stewart Insurance

Legal name

Stewart Insurance

Website

https://stewartinsurance.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Stewart Insurance is a Houston-based insurance brokerage and subsidiary of Stewart Title Company that provides business and personal insurance plans focused on real estate professionals (title agents, attorneys, brokers) and home buyers, earning commissions across a diversified carrier partner book.

Ownership category

akta.pro rank

Product category

Real Estate Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Real estate insurance
• Title agent insurance
• Professional liability coverage
• Personal property insurance
• Insurance brokerage services

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, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Stewart Insurance operates as an insurance broker working with multiple insurance company partners. The company earns commissions from insurance carriers for placing coverage with clients. This is a recurring revenue model as insurance policies require annual renewal, creating ongoing commission income from existing client base.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Stewart Insurance is a Houston-based insurance brokerage that places business and personal insurance policies on behalf of clients, working with multiple insurance carrier partners. On the business side, it serves title agents, real estate attorneys, real estate brokers, and mortgage bankers with coverages such as Professional Liability/E&O, Cyber Liability, Crime Coverage, Escrow Security Bonds, Workers Compensation, and Commercial Property. On the personal side, it serves homeowners, homebuyers, renters, and property investors with home, auto, flood, umbrella, wind, watercraft, and investment/vacation property coverage. The firm combines this brokerage service with advisory relationships, AI-assisted coverage evaluation, and continuing education programs for real estate professionals.

Product overview

Stewart Insurance is an insurance brokerage firm offering a comprehensive portfolio of both Business Insurance and Personal Insurance products. For business clients (title agents, real estate attorneys, real estate brokers, mortgage bankers), they provide Professional Liability/E&O, General Liability, Employment Practices Liability, Cyber Liability, Workers Compensation, Commercial Property, Escrow Security Bond, Surety Bond, and Commercial Auto coverage. For personal clients (homeowners, renters), they offer Home, Auto, Flood, Umbrella, Renters, Investment Property, Vacation Property, Wind, and Watercraft insurance. The company also provides educational resources including downloadable guides on Title Company E&O, Cyber Liability, Crime Insurance, and Lawyers Professional Liability. Stewart Insurance operates as a broker working with multiple insurance company partners to provide proper coverage aligned with client needs, and offers continuing education courses for real estate professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Liability (E&O) Errors and Omissions coverage for professionals such as real estate brokers, agents, title agents, and attorneys, protecting against client financial loss arising from mistakes, missed details, or failures in performing professional services.
• General Liability Coverage for third-party bodily injury and property damage on business premises, including Businessowners (BOP) options that bundle business property damage coverage.
• Employment Practices Liability Coverage for employers against allegations brought by employees, such as discrimination, wrongful termination, and harassment claims.
• Cyber Liability Coverage for costs associated with breach of stored or accessible data, with various levels of wire-fraud coverage. Addresses losses from data breaches, ransomware, and network security failures.
• Workers Compensation Coverage for employees who suffer a work-related injury, and may help mitigate legal action against the employer arising from the incident.
• Commercial Property Coverage for property damage to business-owned locations, including buildings and other structures used in operations.
• Escrow Security Bond An innovative fidelity bond providing coverage for theft of funds by employees or partners, with more real-estate-specific coverage than traditional fidelity bonds.
• Surety Bond Provides a line of credit for the business if a client files a complaint with the state and demands funds to be made whole; required by some states.
• Commercial Auto Business-level liability and property damage protection for business-owned vehicles and employees driving on company business.
• Crime Coverage Protects title and attorney businesses against theft of money or property by employees or outside parties, with coverage including social engineering and funds transfer fraud.
• Employers Liability Protects a company if an employee sues over a work-related injury outside the workers compensation system.
• Directors and Officers (D&O) Covers claims alleging wrongful management decisions by owners, directors, or officers of the firm.
• Excess Liability Umbrella-style policy adding limits above underlying policies to protect against large claims.
• Home Insurance Coverage for damage to property and personal liability, including the home, other structures on the premises, personal belongings, and property damage or bodily injury liability.
• Auto Insurance Liability coverage when driving, addressing property damage and bodily injury costs caused, plus coverage for vehicles in situations where other policies do not adequately cover damages.
• Flood Insurance Coverage for property and personal belongings against flooding (defined as rising water), separate from standard home insurance and frequently accompanying hurricanes.
• Umbrella Insurance Additional liability coverage when other policies (such as home and auto) are exhausted, addressing property damage or bodily injury costs.
• Renters Insurance Similar to home insurance, provides coverage for personal property and liability, covering damaged belongings and costs from property damage or bodily injury caused.
• Investment Property Insurance Also referred to as a Dwelling Fire policy, provides coverage for property and liability for investment or rental properties, returning damaged buildings and structures to normal.
• Vacation Property Insurance Modified coverage for properties that are vacant for a period of time, covering the property and liability during vacancy.
• Wind Insurance Coverage for wind damage to homes, sometimes provided through a separate policy from standard home insurance depending on location.
• Watercraft Insurance Separate coverage for watercraft and other recreational vehicles, covering the property itself and liability associated with its use.
• Real Estate Liability: Reduce Your Risk (3-Hour CE Course) A paid 3-hour continuing education class for Texas real estate professionals covering real estate professional liability claims and the insurance coverage addressing them, offered in-person in Houston and via webinar.
• Property Insurance Essentials for Real Estate Professionals (2-Hour CE Course) A paid 2-hour continuing education class for Texas real estate professionals covering insurance decisions around home buying and selling, offered in-person in Houston and via webinar.

Quantifiable outcome

• Positive customer testimonials citing competitive rates, excellent service, and high satisfaction

Named customers8 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Stewart Title CompanycoreStrategic or Co-development PartnerStewart Insurance is owned by Stewart Title Company, a major title and real estate services company. This ownership structure unites insurance and real estate expertise, positioning Stewart Insurance as the specialized insurance resource for Stewart Title's network and the broader real estate industry. Stewart Title Company provides the parent brand recognition and market presence that supports Stewart Insurance's operations.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• USI Insurance Services: Large national insurance brokerage with a broad property/casualty, employee benefits, and specialty practice offering. Comparable as a broader incumbent that competes for the same commercial real estate professional accounts, though it operates at much larger scale and with broader product breadth.
• Marsh McLennan: Global insurance brokerage and risk advisory firm with a real estate practice serving commercial property owners, developers, and real estate services companies. Comparable as a broad incumbent in the real estate insurance space, though it targets larger enterprise clients and offers a wider portfolio.

Regional players

• Higginbotham: Texas-based independent insurance brokerage with strong presence in the southern U.S. offering commercial and personal lines. Comparable as a regional competitor based in Texas with overlapping personal and commercial line offerings, particularly competing for Texas-based real estate professionals and homeowners.

Direct peers

• Heffernan Insurance Brokers: Mid-sized independent insurance brokerage specializing in commercial and personal lines, including real estate professional E&O and cyber liability. Comparable as a specialty broker serving similar business segments with an advisor-led model.
• Brown & Riding Insurance Services: Specialty insurance brokerage with deep expertise in professional liability, E&O, and cyber lines for niche industries including real estate and legal services. Comparable due to its specialty-broker focus on professional liability products overlapping with Stewart's title agent and attorney E&O offerings.
• SterlingRisk: Specialty insurance brokerage focused on professional liability, cyber, and management liability for niche industries. Comparable because it serves similar professional service businesses (lawyers, real estate, financial services) with E&O and specialty coverage products.
• Robertson Ryan & Associates: Independent insurance brokerage providing commercial and personal lines across the U.S. with specializations including real estate and professional services. Comparable due to its multi-line brokerage model and real estate industry focus overlapping with Stewart's customer segments.
• Jencap Group: Specialty insurance wholesale broker and MGA with expertise in commercial and professional E&O, cyber, and surplus lines. Comparable as a specialty intermediary focused on professional liability and complex commercial risks overlapping with Stewart Insurance's real estate professional product set.

Emerging players

• RLI Insurance Company: Specialty insurance carrier offering niche E&O and professional liability products, including for real estate and professional services. Comparable as a specialty provider whose E&O and professional liability products overlap with Stewart Insurance's title agent and attorney coverage offerings.
• Hiscox: Specialty insurer focused on small business and professional liability, including E&O for professional services and cyber liability. Comparable as a specialty carrier/insurer whose professional liability and cyber products overlap with Stewart Insurance's small business and professional E&O offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/stewart-insurance

Revenue estimate

Valuation estimate

Number of profiles

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 Stewart Insurance