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ABOUT US

We Work for You. Not the Insurance Company.

Horizon Insurance was built on a simple principle: insurance should make sense for the person buying it. As an independent broker, we are not employed by any carrier. We are not paid to push any specific product.

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OUR STORY

Our Story

Horizon was founded with the belief that the insurance industry works better when brokers are truly independent. Too many agencies are locked into a single carrier’s products, leaving clients with limited options and little room to negotiate. Horizon built a different model: access to a broad network of standard, wholesale, and specialty markets, wrapped in a client-first service experience. Today, Horizon serves clients across NC, SC, GA, TN, and VA.

WHY HORIZON

What Sets Horizon Apart

Independent access, regional expertise, and a service model built for how you actually live.

Independent Means Choices

We are not captive to any carrier. That means we can shop your coverage across dozens of companies to find the right fit on coverage terms and price. The difference between an independent insurance broker and a captive agent is not just philosophical. It translates directly into more options, more competitive pricing, and coverage that is built for your situation rather than a carrier's product catalog.

Technology That Saves You Time

Our clients have 24/7 access to their policies, documents, and insurance ID cards through the Horizon Glovebox platform. No hold music. No waiting for a fax.

Agents Who Know the Region

Our team knows coastal North Carolina, the Myrtle Beach market, the barrier islands, and the unique risks that come with living and doing business in the Southeast. That local knowledge matters when it comes to finding the right carrier.

A Service Model Built Around You

We use technology to handle routine tasks so our agents can focus on what actually matters, which is the client conversation. When you reach out, you get a person who knows your account.

OUR TEAM

The People Behind Horizon

Our team of licensed agents brings local knowledge and a genuine commitment to finding the right coverage for each client.

Steveo Stewart

President & Co-Founder

Steveo Stewart is the President and Co-Founder of Horizon Insurance, an independent, client-first agency.

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A graduate of the University of Georgia, Steveo brings a background that spans military service, small business ownership in construction, and now insurance — giving him a grounded, practical perspective on risk and protecting what people build.

At Horizon, Steveo leads with a focus on technology and data-driven solutions, believing that even in a traditional industry, innovation and a great customer experience go hand in hand. Horizon specializes in complex commercial exposures such as habitational, manufacturing, non-profits, and religious organizations, equipping clients with the tools and resources to stay organized while keeping their coverage accurate and cost-effective.

Beyond insurance, Steveo is deeply invested in housing access and community development in coastal North Carolina, serving as Vice Chair of the Cape Fear Community Land Trust and Treasurer of the Cape Fear Housing Coalition. Known for building genuine relationships, he brings a collaborative, “when we work together, we all win” mindset to everything he does — in business and in service to his community.

Jacob Harris

Accounts Specialist

A North Carolina native, Jacob was born and raised in Guilford County, and studied economics at University North Carolina at Wilmington.
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With over two years of experience in personal lines insurance for coastal homeowners, Jacob now focuses on ensuring existing customers stay fully covered and that policyholder accounts are continuously and proactively managed. He handles special accounts and renewal reviews — from new coverage and rewrites to re-shops and account strategy — helping clients navigate change with confidence. Jacob values the relationships he builds and the people he serves. Outside of work, he’s head coach of a 12u Pop Warner football team, enjoys playing pickup basketball, walking, and spending time with his two dogs.

John Collora

Sales Manager

Originally from New York, John Collora brought his East Coast energy to the insurance industry and spent years growing his career in Colorado before planting roots in Wilmington in 2020.
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With over 12 years of experience, John specializes in building real, lasting relationships with his clients. He takes pride in being a trusted advisor who takes the time to understand what each client actually needs and makes sure they walk away confident in their coverage. As Sales Manager at Horizon Insurance, John is fired up about building a team of skilled, client-first agents and sharing the knowledge he’s gained through years of insurance sales and referral-driven growth. Helping his agents win is just as rewarding to him as closing a deal himself. Outside of work, John is passionate about working on cars, hitting the mountain snowboarding in the winter, and getting out on the disc golf course when summer rolls around. He and his wife are loving life as parents to their one-year-old daughter, and as a family they enjoy everything Wilmington has to offer, from great local restaurants and coffee shops to weekends at the beach

Zach Westfall

Operations Integrator

Zach Westfall joins Horizon Insurance as Operations Integrator, bringing ten years of experience in operations and implementation project management.
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He has led PMO functions, run Agile transformations, and managed SaaS implementations across a range of environments — a healthcare technology startup, a defense consulting program, and an enterprise services organization. His focus is on building processes that actually hold up day to day: clearer workflows, better reporting, and practical use of automation and tooling. His skills include automation, AI and integrations, is currently pursuing his PMP, and works regularly in Jira, Confluence, Smartsheet, ServiceNow, Salesforce, and Power BI.  Originally from Maryland, Zach now lives on the coast of North Carolina with his two kids. He is a lifelong sports fan and spends most of his free time outside — fresh and saltwater fishing, kayak fishing, surfing on Topsail Island, and exploring the trails, parks and National Forests around the area. If he is not at work or at a kid’s game, there is a good chance he is on the water.

Pau Sosa

Executive Assistant

Pau Sosa is an Executive Assistant & Billing Specialist with a diverse professional background.

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Her experience spans customer service, executive support, billing, and insurance operations. She began her career in customer service, where she gained extensive experience assisting customers across the retail, healthcare, and e-commerce industries. Throughout her career, she has developed expertise in client relations, problem-solving, billing support, claims administration, and operational coordination.

Prior to transitioning into executive support, Pau served as a Subject Matter Expert, partnering with leadership to coach and support new team members, monitor quality, and help drive operational excellence. Today, she works closely with executive leadership, contributing to business operations through administrative support, billing management, and process improvement initiatives.

Known for her adaptability, problem-solving mindset, self-motivation, and strong organizational skills, Pau enjoys working behind the scenes to keep operations running smoothly and efficiently. She takes pride in delivering dependable support, fostering collaborative relationships, and helping teams achieve operational excellence.

Unaizah "Aiza" Cajigas, Client Support Specialist at Horizon Insurance

Aiza Cajigas

Client Support Specialist

Unaizah “Aiza” Cajigas holds a degree in Business Administration and joined Horizon in 2025.

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She brings over two years of experience in administrative and client support, with a warm, can-do attitude and sharp problem-solving skills that lend clarity and calm to the day-to-day complexities of insurance operations.

At Horizon Insurance, Aiza keeps things running behind the scenes. She’s the friendly voice clients count on for quick, accurate answers, and the steady hand behind organized policy filing and precise endorsement processing — helping Horizon deliver the reliable service its clients expect.

Outside of work, Aiza is just as dedicated to the people she loves — staying active through sports, cooking up something delicious, and traveling with her two children. That same warmth and dedication she brings home is exactly what she brings to her work at Horizon every day.

Jose Alejandro Munoz, Renewals Coordinator at Horizon Insurance

Jose Muñoz

Renewals Coordinator

Jose Alejandro Muñoz holds a degree in Business Management and is pursuing a Master’s in Financial Administration.

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Specializing in Investment Banking and Private Equity, Jose brings a strong foundation in financial analysis, data-driven decision-making, and process automation, with a sharp analytical eye for everything he does.

As Renewals Coordinator at Horizon Insurance, Jose serves as the quality-control backbone of the renewals process. He audits accounts for data accuracy and completeness, cross-checks system records against carrier and policy documents, and keeps documentation current and properly filed — ensuring every account is renewal-ready before it moves forward. His methodical, detail-driven approach and genuine care for getting things right help keep Horizon’s renewal pipeline clean, efficient, and ready for whatever comes next.

OUR LOCATIONS

Horizon Agents Across the Carolinas

Horizon agents are available by appointment at locations across NC and SC, including Wilmington, Myrtle Beach, and Jacksonville.

FAQ

Common Questions

Horizon Insurance is an independent insurance broker. We are not employed by or exclusive to any single insurance company. We represent our clients, not the carriers, and shop multiple markets to find the right coverage at the right price.

A captive agent is employed by a single insurance company and can only sell that company products. An independent insurance broker like Horizon is not tied to any carrier and can shop your coverage across dozens of companies. The benefit to you is more choices, more competitive pricing, and a broker whose financial interest is aligned with yours rather than with a specific carrier.

Horizon Insurance address is 1001 Military Cutoff Rd. Suite 101., Wilmington, NC 28405. We have agents available by appointment at locations in Wilmington, Myrtle Beach, and Jacksonville.

Horizon Glovebox is a digital platform that gives Horizon clients 24/7 access to their insurance policies, documents, and ID cards from any device. It eliminates the need to call your agent for routine documents.