Small agency, big potential Target growth-focused insurers like Old Harbor to expand from a 2-10 headcount into a broader book of business, offering scalable service platforms, brokerage integrations, and expanded personal and commercial lines.

Revenue signal With reported annual revenue in the 10M–25M range, there is room to optimize carrier partnerships, risk analytics, and digital marketing to capture mid-market opportunities while maintaining personalized service.

Tech modernization Their current tech stack (WordPress, analytics, caching, and basic forms) suggests an opportunity to upsell modern agency management tools, CRM integration, data security upgrades, and customer self-service portals to improve efficiency and retention.

Private client focus Emphasize high-touch, tailored personal and small business coverage to differentiate from larger firms; propose targeted value-adds such as niche market expertise, bundled risk management, and proactive renewal strategies.

Competitive landscape Position as a strategic partner against mid-sized firms with global capacity by offering specialized insurance programs, carrier access, and underwriting support that complements their independence and relationship-driven model.