MASHINIi

TWFG, Inc..

TWFG.US | Activities of insurance agents and brokers

TWFG, Inc. is an insurance agency. It offers a variety of insurance products, including personal and commercial insurance lines. Personal lines include auto, home, life, and health insurance. Commercial lines include property, liability, workers' compensation, and other business-related insurance co...Show More

Ethical Profile

Mixed.

TWFG, Inc.'s ethical profile presents a mixed picture, primarily due to limited public data across many areas. In 2024, the company experienced a data breach, raising concerns about its security measures. However, TWFG's privacy policies reportedly allow users to request data access, changes, or deletion, and sensitive information like usernames and passwords are secured with SSL encryption. The company also states compliance with privacy laws in California, Colorado, Connecticut, Utah, and Virginia. Information regarding other ethical aspects, such as fair pay, environmental impact, or community engagement, is largely unavailable, making a comprehensive assessment challenging.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect-10
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-50
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

The provided articles are financial filings (10-K, S-3, 10-Q) and explicitly state that they contain no direct mention of health-related initiatives, programs, or data.

1
Therefore, no specific evidence could be found to assess TWFG.US against any of the defined KPIs for the 'Better Health for All' value.

Fair Money & Economic Opportunity

0

TWFG, Inc. is an insurance agency

1
and does not provide debt products to consumers, making the debt burden ratio KPI not applicable. Similarly, as the company is not regulated as a lender, the fair lending compliance KPI is not applicable. No other relevant data was found in the provided articles for the remaining KPIs.

Fair Pay & Worker Respect

-10

TWFG.US has an employee rating of 3.5 out of 5 stars based on 46 Glassdoor reviews, with 48% of employees recommending working at the company.

1
The company's agent retention rate in 2024 was 75%, which indicates an agent turnover rate of 25%.
2

Fair Trade & Ethical Sourcing

0

TWFG, Inc. operates as an insurance agency, facilitating the sale of insurance policies rather than underwriting them or procuring physical commodities. As such, the company's business model does not involve a supply chain for physical goods or materials. Consequently, all KPIs related to fair-trade certification, supplier audits for welfare, forced/child labor incidents, supply chain traceability, remediation speed for sourcing violations, ethical sourcing clauses, materials risk, and supplier diversity spend in the context of physical goods are not applicable.

1

Honest & Fair Business

0

No specific, concrete data points were found across the provided articles to assess TWFG.US against any of the 'Honest & Fair Business' KPIs. Information regarding regulatory fines, transparency index scores, whistleblower policy strength, financial restatements, audit coverage, ESG controversy scores, complaint resolution times, board conflict of interest percentages, anti-corruption policy details, or third-party verification of ethical claims was not available or explicitly stated as 'not mentioned' or 'no data available due to throttling'.

1

Kind to Animals

0

TWFG, Inc. is an insurance agency, a service-oriented business.

1
Its operations do not involve manufacturing products, conducting R&D, sourcing animal-derived ingredients, operating animal agriculture, or directly impacting wildlife habitats. Therefore, all KPIs related to animal welfare, testing, sourcing, and conservation are not applicable to its core business model. The provided articles discuss the pet insurance industry or insurance products for animal welfare organizations but contain no specific evidence regarding TWFG's practices, policies, or impacts related to animal welfare.
2

No War, No Weapons

0

TWFG.US is an insurance agency, and the provided articles contain no evidence of its involvement in arms manufacturing, defense contracts, or military-related activities. There is no information indicating revenue from arms contracts, development or sale of dual-use technology, sales to embargoed regimes, or lobbying related to arms control. The company's core business does not involve mineral inputs or exports requiring end-user certificates. No data is available regarding peacebuilding investment, divestment policies, board oversight of defense activities, human rights due diligence in conflict areas, or compliance with arms trade treaties. Similarly, there is no evidence of AI systems with military uses, surveillance activities, or the need for ethical red lines related to weapons. All KPIs are scored as N/A (0) because there is no evidence of the company engaging in activities relevant to these metrics.

Planet-Friendly Business

0

No specific, concrete data points or quantitative sustainability information for TWFG.US were found across the provided articles. Article 1 explicitly states that no quantitative sustainability data is available for TWFG.

1
Articles 2 and 3 were inaccessible due to throttling.
2
Article 0 discusses general eco-friendly home improvements and does not provide any company-specific data for TWFG.US.
3

Respect for Cultures & Communities

0

No evidence available to assess TWFG, Inc. on Respect for Cultures & Communities.

Safe & Smart Tech

-50

TWFG uses SSL encryption for ordering information, usernames, and passwords, and for sensitive information like credit card data transmitted online.

1
Users can request to see, change, correct, or delete their data, and request an exported file of their data, but requests must be in writing.
2
The company retains comments and metadata indefinitely, and user profiles are stored, with data needed for administrative, legal, or security purposes not subject to erasure requests.
3
Login cookies last two days, and screen options cookies last a year, with login persisting for two weeks if 'Remember Me' is selected.
4
The company's privacy policy mentions compliance with applicable laws and regulations, specifically addressing California, Colorado, Connecticut, Utah, and Virginia privacy laws.
5

Zero Waste & Sustainable Products

0

No specific, concrete data points related to waste diversion, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design, waste reduction initiatives, hazardous waste management, product durability, repairability, waste audit frequency, zero-waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education were found in the provided articles for TWFG.US.

1
The available information primarily focuses on financial performance or explicitly states that sustainability data is unavailable.
2

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.