Highland Insurance Inc.

What Highland Insurance Inc. does

Highland Insurance Inc. is an independent insurance agency founded in 2018 by Kris Stewart and headquartered at 6375 S Highland Dr., Salt Lake City, Utah. The company operates as a multi-carrier brokerage, comparing prices from six national insurance carriers — Bear River Mutual, Auto-Owners, Nationwide, Progressive, and Travelers (plus one additional carrier) — to place clients with the carrier offering the best coverage and pricing. Despite a single physical location in Utah, the agency is licensed to service clients across all 50 states, and delivers service primarily through phone, email, website quote requests, and a Google Forms intake fallback. Its product portfolio spans auto, home (including specialty items such as jewelry, musical instruments, and art, plus earthquake, flood, and land movement coverage), commercial (small and medium-sized businesses from manufacturing to artisan contractors), workers compensation, ACA-compliant health, life, and vehicle and recreational insurance (boats, ATVs, RVs, antique vehicles). Go-to-market is sales-led, anchored by the owner/agent's 15-plus years of industry experience and supported by a small digital footprint including a company website, Facebook, and Instagram.

The company's underlying technology is a conventional insurance comparison and brokerage platform built on a Wix-based website with online quote request forms and email/phone handoff to the agent; no proprietary technology, no mobile application, no APIs, no third-party integrations, and no AI/ML capabilities are disclosed. The business model is commission-based: Highland Insurance receives carrier commissions for policies placed, classifying as an affiliate-referral revenue stream. Pricing is fully quote-based, individualized by risk factors, coverage type, and carrier selection, with no published rates; customer relationships are structured as multi-year contracts consistent with standard insurance policy durations.

Operationally, Highland Insurance is a founder-owned, privately held, single-jurisdiction (Utah) LLC-style agency with no parent company, no subsidiaries, no external funding, no M&A activity, no patents or trademarks, and no awards or regulatory actions on record. The team consists of two people: founder/owner/agent Kris Stewart and customer service representative Sarah Baldizan. Marketing channels are limited to the company website, Facebook, and Instagram, all positioned at the top of the funnel for lead capture.

Name

Highland Insurance Inc.

Legal name

Highland Insurance Inc.

Website

https://highins.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Highland Insurance Inc. is an independent insurance agency founded in 2018 in Salt Lake City, Utah, comparing rates from 6 national carriers to place auto, home, commercial, life, health, and workers comp coverage for individuals and small businesses across all 50 states.

Ownership category

akta.pro rank

Headquarters

HQ city

Salt Lake City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Carrier Commissions: Receives commissions from insurance carriers for policies placed. Acts as an independent insurance agency/broker.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Highland Insurance Inc. is an independent insurance agency founded in 2018 that compares prices from 6 of the nation's top insurance carriers (Bear River Mutual, Auto-Owners, Nationwide, Progressive, Travelers) to provide customized coverage at competitive prices. The agency places home, auto, commercial, workers compensation, health, and life insurance policies for individual consumers and small/medium businesses across all 50 states.

Product overview

Highland Insurance Inc. is an independent insurance agency offering a comprehensive portfolio of insurance products across multiple categories. The company provides Home & Property (including home, renters, dwelling fire, and specialty item coverage), Vehicle & Recreational (cars, trucks, boats, ATVs, RVs, and antique vehicles), Business insurance for small to medium enterprises, Workers Compensation, Health insurance compliant with ACA requirements, and Life insurance. The company acts as a broker, comparing prices from 6+ national carriers including Bear River Mutual, Auto-Owners, Nationwide, Progressive, and Travelers to offer customized coverage at competitive prices. The core offering is the quote and policy management service that connects customers with appropriate carrier products.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance
• Home Insurance
• Commercial Insurance
• Workers Compensation
• Health Insurance
• Life Insurance Life insurance coverage for individuals with good to average health, offering policies that fit needs and budget for financial protection of loved ones.
• Vehicle & Recreational Insurance Coverage for boats, ATVs, and RVs alongside cars and trucks, providing specialized protection for recreational vehicles at competitive rates.
• Free Quote Service Online quote request service allowing customers to obtain quotes for Home & Property, Business, Vehicle & Recreational, Life, Workers Comp, and Health insurance through Highland Insurance's multi-carrier comparison.

Quantifiable outcome

• Compares prices from 6 of the nation's top carriers
• +1 more outcomes

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• Bear River Mutual Insurance CompanycoreChannel Partner/ Reseller/ DistributorUtah's oldest mutual property and casualty insurance company. Highland Insurance writes business with Bear River Mutual as one of their carrier partners, providing coverage options to customers.
• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorMulti-line insurance company offering life, home, auto, and business coverage. Known for 'No Problem' claims service. Highland Insurance writes business with Auto-Owners as a carrier partner.
• NationwidecoreChannel Partner/ Reseller/ DistributorOne of the largest insurance and financial services companies in the world with over $158 billion in statutory assets. 85+ years in business. Highland Insurance writes business with Nationwide as a carrier partner.
• ProgressivecoreChannel Partner/ Reseller/ DistributorPart of the Progressive Group of Insurance Companies, known for being ahead of the industry with new and affordable insurance solutions. Highland Insurance writes business with Progressive as a carrier partner.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor insurance provider covering home, car, valuables, and business. Highland Insurance writes business with Travelers as a carrier partner, offering coverage for protection of important assets.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Lemonade: Digital-first insurtech offering renters, home, auto, pet, and life insurance directly to consumers via mobile app. Represents the emerging direct-to-consumer threat to traditional agencies like Highland.
• Hippo Insurance: Digital-first home insurance insurtech offering streamlined online quotes and coverage. Direct competitor in the home/renters segment where Highland also operates.

Broad incumbents

• Allstate: Large national carrier operating through captive agents. Competes for the same auto, home, and life insurance customers Highland serves, but with proprietary products and brand scale Highland cannot match.
• State Farm: Largest US personal lines insurer operating through a captive agency model. Competes with Highland for the same individual and household insurance customers, though with vastly greater scale and brand recognition.
• HUB International: Large global insurance brokerage offering commercial, personal, and employee benefits lines through agency acquisition. Comparable brokerage model but at vastly larger scale and with broader carrier relationships.

Direct peers

• SmartFinancial: Online insurance comparison and brokerage platform that shops quotes from multiple carriers for consumers. Closely comparable to Highland's model of comparing 6 top carriers to find competitive pricing for clients.
• Goosehead Insurance: Independent insurance agency/franchise comparing quotes from multiple carriers across home, auto, and other lines. Operates a similar comparison-shopping model for customers, though at significantly larger scale via franchising.
• The Zebra: Insurance comparison platform that aggregates quotes from multiple carriers for auto, home, and other personal lines. Comparable carrier-agnostic comparison shopping model.
• Policygenius: Online insurance marketplace and brokerage that compares policies across multiple carriers for life, home, auto, disability, and other lines. Comparable multi-line, multi-carrier brokerage model with stronger digital execution.
• SelectQuote: Insurance comparison and brokerage platform specializing in life, auto, home, and health insurance by comparing multiple carriers. Directly comparable to Highland's multi-line independent brokerage approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/highland.ins
• Instagraminstagram.com/highland.ins
• LinkedInlinkedin.com/company/high-ins

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Highland Insurance Inc.