Inszone Insurance expands national footprint with Eagle Harbor Insurance acquisition in Washington

Inszone Insurance Services, a Sacramento-based national insurance brokerage, has announced its acquisition of Bainbridge Island-based Eagle Harbor Insurance, marking a strategic push to consolidate its presence in Washington state. The acquisition brings a respected regional player into Inszone’s portfolio, as the brokerage continues a multi-year campaign of expansion across the western and midwestern United States.

The acquisition was disclosed on June 26, 2025, by Inszone Insurance, which has emerged as one of the most aggressive consolidators in the property and casualty insurance sector. Founded in 2002, Inszone has executed a steady stream of acquisitions over the last decade to broaden its footprint and deepen its market access to personal lines, employee benefits, and commercial insurance solutions.

What are the strategic motivations behind Inszone Insurance’s expansion into Bainbridge Island through this agency acquisition?

The latest deal aligns with Inszone Insurance Services’ longstanding strategy of acquiring well-established local agencies to enhance service capabilities while preserving the local relationships that independent brokers have cultivated. Eagle Harbor Insurance, founded in 1998 and led by Tom Sawyer since 2013, has operated for over two decades as a trusted provider of personal and small-business insurance across the Bainbridge Island area.

The decision by Sawyer to transition the agency into the Inszone network was motivated by both personal succession planning and a desire to ensure the agency’s continued service to its local base. “After more than 20 years in the insurance industry, I felt it was the right time to transition,” Sawyer said in a statement. “Choosing Inszone was about more than financials—it was about finding a partner that genuinely valued my staff and our culture.”

Inszone’s acquisition model, which emphasizes continuity of staffing and client service, appealed to Sawyer, who was particularly focused on ensuring the future security of his team and the preservation of the agency’s culture. Institutional sentiment suggests that such human-centered acquisition strategies are gaining traction in an increasingly consolidating insurance market.

How does this acquisition enhance Inszone Insurance’s regional service offerings and carrier access in Washington state?

Eagle Harbor Insurance will be integrated into Inszone’s operational structure but will retain its personnel and client relationships. According to Inszone, the goal is to offer an expanded array of insurance options—including new carrier access and digital service capabilities—while maintaining the face-to-face relationship model that Eagle Harbor clients value.

The Bainbridge Island location provides Inszone with a physical base in a high-net-worth, high-growth community just across the Puget Sound from Seattle. Inszone already operates across several other Washington regions and has identified the Pacific Northwest as a high-priority expansion zone.

This regional focus is in keeping with broader market trends, where national brokerages are targeting suburban and secondary markets that combine affluence with underpenetrated insurance opportunities. Analysts suggest that acquisitions like Eagle Harbor allow brokerages such as Inszone to sidestep high-competition metro centers while still tapping into strong premium pools.

What has been Inszone Insurance’s acquisition strategy over the past few years across other U.S. states?

Inszone Insurance Services has grown its national reach through dozens of acquisitions across states including California, Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Missouri, Nevada, New Mexico, Oklahoma, Oregon, South Dakota, Texas, Utah, and Washington. These acquisitions have targeted a combination of personal lines, commercial brokers, and specialty coverage providers.

Founded in 2002 and based in Sacramento, Inszone has positioned itself as a full-service brokerage offering property and casualty insurance, employee benefits, and niche coverage options tailored for small businesses and individual clients. While private financial terms of the Eagle Harbor transaction were not disclosed, historical patterns suggest Inszone prioritizes staff retention, long-term service continuity, and gradual systems integration in its deals.

Institutional observers note that Inszone’s M&A activity reflects a hybrid strategy of expanding both organically and via roll-ups—an approach that has helped it build localized client trust while achieving national economies of scale.

How is the insurance agency consolidation trend impacting regional firms like Eagle Harbor Insurance?

The broader U.S. insurance brokerage landscape has been undergoing intense consolidation, with national players increasingly acquiring regional agencies to gain local distribution networks. This is particularly evident in the property and casualty segment, where rising compliance burdens, carrier negotiations, and digital servicing expectations make it harder for smaller agencies to operate independently.

Eagle Harbor Insurance, while locally successful, joins dozens of other regional firms that have opted to merge with larger platforms to maintain competitiveness and resource access. Analysts see this trend as part of a wider shift, especially in suburban markets, where community-based brokers are aligning with larger firms to retain market relevance.

With increasing regulatory complexity and technological modernization pressures, many agency owners view acquisition as a path to both operational support and employee benefit enhancements—an approach echoed by Tom Sawyer’s own comments on choosing Inszone.

What has been the investor and market response to Inszone Insurance’s ongoing acquisition strategy?

Though privately held and not publicly traded, Inszone Insurance Services has drawn institutional attention for its steady acquisition cadence and its ability to retain local agency identity post-merger. This differentiates Inszone from some private equity-backed aggregators, which often streamline or rebrand local agencies rapidly.

Investor sentiment generally points to strong confidence in Inszone’s ability to manage post-acquisition integration without service disruption, especially given its retention-focused operational model. Industry analysts have noted that Inszone’s decision to expand in markets like Washington—where insurance penetration remains high but broker consolidation is still developing—is a strategic advantage.

As Inszone builds regional clusters, particularly in states like Oregon and Washington, it gains leverage with carriers, improves claims processing infrastructure, and boosts customer acquisition through cross-regional brand recognition.

What does the future hold for Inszone Insurance and its Pacific Northwest operations following this deal?

With Eagle Harbor Insurance now under its umbrella, Inszone is expected to further invest in its Pacific Northwest infrastructure, including potential additions in Seattle suburbs, eastern Washington, and northern Oregon. The firm has not disclosed future targets but has consistently signaled that Washington remains a core growth territory.

From a client standpoint, Eagle Harbor policyholders will gain access to an expanded suite of offerings, especially in commercial lines, digital servicing options, and potentially bundled benefits. Meanwhile, staff at Eagle Harbor will be integrated into Inszone’s national support and benefits system, ensuring continuity in both employment and customer service.

Analysts believe Inszone’s disciplined acquisition model will continue to attract strong independent agencies looking to transition ownership while preserving their client ethos. Future filings and expansion announcements are anticipated as the brokerage evaluates additional opportunities in adjacent markets.

The acquisition of Eagle Harbor Insurance underscores Inszone Insurance Services’ strategy of regionally focused, staff-friendly agency acquisitions to drive national scale without compromising local expertise. As the insurance brokerage industry continues to consolidate, Inszone’s model offers a compelling blueprint for sustainable growth across community-rooted markets.