Goosehead’s embedded channel gains ground
Goosehead Insurance’s enterprise sales business is becoming a meaningful third distribution channel alongside its corporate and franchise networks.
The unit, launched three years ago to serve embedded partners across the homeownership and financial services ecosystem, generated approximately $3 million in new business commissions and agency fees during the second quarter. Enterprise sales grew 70% year-over-year and accounted for 21% of Goosehead’s total new business commissions and agency fees.
One early example is Planet Home Lending. Goosehead moved more than 10 experienced corporate producers into the mortgage company’s embedded franchise, which reached the top 5% of Goosehead franchises after six months of production.
Goosehead Insurance said enterprise sales is approaching one-third the size of its corporate sales operation, which has been running for more than 20 years. The company sees a larger opportunity beyond the 4.5 million to 5 million annual home purchases, pointing to the roughly 85 million existing mortgages and potential partnerships with financial services firms, moving companies and smart-home providers such as Vivint.
“It’s not the only lead source, but it’s their main lead source. And right now that’s somewhere between 4.5 and 5 million transactions annualized. The enterprise sales team is focused on embedded portability of clients. So that could be in mortgage servicing, where there’s 85 million mortgages existing in the United States today, or a myriad of other potential adjacencies, financial services, moving companies. We have our really strong partnership with Vivint. So we just get access to a lot more potential clients in a really efficient way. It’s a really meaningful portion of the business over time.” – Mark Jones, Jr.
Goosehead also used its Q2 2026 earnings call to hype its Digital Agent.
“Our digital agent platform allows consumers to shop across multiple carriers through a seamless digital experience while preserving access to a licensed Goosehead agent whenever advice or expertise add value. Today, consumers in Texas can complete the entire shopping and binding process digitally across multiple home and auto carriers. We believe that’s an important step forward, not because technology replaces our agents, but because it allows our agents to spend more time where they create the greatest value.”
However, our experience doesn’t entirely align with that description. The disclaimer displayed on the final quote screen states that coverage cannot be bound online with most of Goosehead’s carriers and that customers must speak with a licensed representative for most coverage, including flood.
The broader business delivered $1.36 billion in written premium, up 14%, while policies in force increased 15% to 2.1 million. Retention improved to 86%, still below Goosehead’s previous high of 89%. New business commissions rose 27% to $9.6 million.
The distribution strategy will continue under Mark Jones Jr., who will succeed retiring CEO Mark Miller on January 1, 2027.
