TWFG is an independent distribution platform that places personal and commercial property & casualty insurance through a network of franchised agencies and company-owned branches across the United States. The platform generates revenue primarily through commission income earned by matching insurance clients with carrier products across its relationships with hundreds of insurers, serving both admitted and excess & surplus markets. TWFG supports its network of thousands of agencies by providing technology, training, carrier access, and management resources, while also operating specialty distribution channels for niche insurance products and higher-risk segments.