TWFG Holdings, Inc. is an insurance holding company that specializes in the distribution of property and casualty insurance products through a network of independently branded agencies. Operating primarily across the southern and southwestern United States, TWFG connects individual and business clients with personal lines coverage such as automobile, homeowner’s and umbrella policies, as well as commercial lines offerings including general liability, commercial auto, workers’ compensation and specialty lines.
The company’s multi-channel distribution model combines traditional in-agency service with telemarketing and digital platforms, enabling customers to compare quotes, manage policies and file claims online or through a dedicated agent. TWFG’s suite of services also extends to surety and fidelity bonds, flood insurance, and ancillary products that complement core coverage, supporting a broad array of insurance needs for homeowners, small-to-mid-sized businesses and other organizations.
Founded in 1973 by Gary Winn and headquartered in Addison, Texas, TWFG has grown through the strategic acquisition and integration of regional agencies. This growth strategy has expanded the company’s footprint beyond its Texas origins into markets such as Louisiana, Florida, Colorado and California. TWFG’s decentralized structure allows affiliated agencies to retain local branding and client relationships while benefiting from centralized support functions in underwriting, claims handling, marketing and technology.
Under the leadership of a management team with decades of insurance industry experience, TWFG emphasizes a commitment to customer service, community involvement and disciplined underwriting practices. The company continues to invest in technology and training initiatives designed to enhance policyholder engagement, streamline operations and support sustainable growth across its agency network.
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