What Inszone Insurance Services does

Inszone Insurance Services is an independent, privately held insurance brokerage founded in 2002 and headquartered in Sacramento, California (primary office at 2721 Citrus Rd, Suite A, Rancho Cordova, CA 95742). The company operates across more than 23 US states through a roll-up acquisition strategy, having completed 137+ cumulative acquisitions since inception, including 45 deals in 2025 and 17 in Q1 2026, making it one of the top three most active US broker buyers alongside BroadStreet Partners and World Insurance Associates. Inszone serves over 129,000 clients and employs more than 900 people nationally.

The platform offers three core service lines — Business Insurance, Personal Insurance, and Benefits Insurance — delivered through a multi-carrier independent agency model. Business Insurance spans standardized products and solutions (General Liability, Workers Compensation, Commercial Auto, Property, BOP, Commercial Package, Cyber Liability, E&O, Inland Marine, Cargo, Umbrella, Product Liability, Bonds) and industry-specific programs for contractors, healthcare, commercial property, professional services, entertainment, garage and dealers, and restaurants and bars. Personal Insurance covers vehicles, homes, and specialty products. Benefits Insurance covers group health, dental, vision, life, and voluntary benefits, scaled through multiple dedicated acquisitions. The technology stack is conventional for the sector: a WordPress-based website, Google reCAPTCHA-protected online quote forms, and back-office support via Staff Boom, with no proprietary AI/ML platform or developer-facing API disclosed.

The business model is commission-based brokerage revenue earned by placing commercial, personal, and benefits business across a network of top-rated carriers; pricing is quote-based and not publicly disclosed. Customer acquisition occurs via direct inside sales (phone line 833-819-5009 and online quote forms), a 23+ state network of local agency offices, and the M&A roll-up channel where acquired agencies retain staff and clients while gaining access to national carrier relationships and back-office infrastructure. The company is backed by private equity firms Lightyear Capital and BHMS Investments, which provided strategic capital in November 2023 to accelerate the acquisition-driven national expansion strategy.

Name

Inszone Insurance Services

Legal name

Inszone Insurance Services, Inc.

Website

https://inszoneinsurance.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Inszone Insurance Services is an independent, PE-backed insurance brokerage providing business, personal, and benefits coverage across 23+ US states. It serves 129,000+ clients through a roll-up strategy that has added 130+ agencies since its 2002 founding.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Insurance Carriers (5241)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Travel Insurance Distribution & APIs (THALALAA)

Keywords

• Independent insurance brokerage
• Commercial insurance services
• Personal lines insurance
• Employee benefits brokerage
• Surety bonds placement

Headquarters

HQ city

Broken Arrow

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance brokerage commissions: Core revenue derived from commissions paid by insurance carriers when Inszone places business on their behalf across commercial, personal, and benefits lines. Independent agency model shops multiple carriers to place coverage.
2. Employee benefits brokerage commissions: Commission revenue from placement of group health, dental, vision, life, and voluntary benefits. Benefits division expanded through acquisitions including Voyage Benefits, BenefitRiver, Catalyst Benefits Group, Josten Financial's benefits book, and Sandia Area FCU insurance book.
3. Insurance book of business acquisitions: Revenue lift from acquiring books of business (e.g., Josten Financial's employee benefits book, Sandia Area FCU insurance book) and rolling their commission streams into the platform.
4. Surety bond placement fees: Revenue from placement of contract bonds, license & permit bonds, federal government bonds, court bonds, fidelity bonds, and miscellaneous bonds through surety partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Inszone Insurance Services is a full-service independent insurance brokerage that places business, personal, and employee benefits coverage with multiple top-rated commercial carriers. The company operates across 23+ US states through an acquisition-driven roll-up of independent agencies, retaining local staff while providing centralized carrier access, technology, and back-office infrastructure. Insurance products span general liability, workers compensation, commercial auto, property, cyber, bonds, auto/home specialty lines, and group health/dental/vision/life benefits.

Product overview

Inszone Insurance Services operates as an independent insurance brokerage platform offering three core service lines — Business Insurance, Personal Insurance, and Benefits Insurance — each composed of numerous product modules and industry-specific programs. The Business Insurance line consists of standardized Products & Solutions (General Liability, Workers Compensation, Commercial Auto & Trucking, Property, Business Owner's Policy, Commercial Package, Product Liability, Umbrella & Excess, Management & Professional Liability/E&O, Inland Marine, Cyber Liability, Cargo, Towing & On-Hook, and Commercial Crime) alongside industry-tailored programs (Contractors, Healthcare Services, Commercial Property, Professional Services, Entertainment, Garage & Dealers with sub-programs for Used Car Dealers, Service and Repair Shops, Auction Houses, Power Sports Dealers, Heavy Truck and RV Dealers, and Mobile Mechanics, plus Restaurant & Bar with sub-programs for family dining, fine dining, fast food, bars/nightclubs, food trucks, and food vendors). The Personal Insurance line comprises Vehicle Insurance (Auto, Motorcycle, Boat & Watercraft, RV & Travel Trailer, Classic & Collector Car, Rideshare), Home Insurance (Homeowners, Renters, Landlord, Flood & Earthquake, Vacant & Renovation, Mobile & Manufactured Home), and Specialty Products (Umbrella, Life, Pet, Mexico Travel, Special Event, Identity Theft). The Benefits Insurance line covers Employee Benefits and Personal Benefits, expanded significantly through acquisitions including Voyage Benefits, BenefitRiver, Catalyst Benefits Group, and the Josten Financial employee benefits book. The portfolio also includes a comprehensive Bonds offering spanning Contract Bonds, License & Permit Bonds, Federal Government Bonds, Court Bonds, Fidelity Bonds (including ERISA Bonds), and Miscellaneous Bonds. Inszone's distribution model is acquisition-driven, with the platform extended through tuck-in acquisitions of regional agencies across more than 20+ U.S. states, while maintaining independent agency access to a broad network of commercial insurance carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance
• Personal Insurance
• Benefits Insurance
• General Liability Insurance
• Workers Compensation Insurance
• Commercial Auto & Trucking Insurance
• Property Insurance
• Business Owner's Policy (BOP)
• Commercial Package Policy
• Bonds
• Product Liability Insurance
• Umbrella and Excess Insurance
• Management & Professional Liability Insurance (E&O)
• Inland Marine - Tools & Equipment (Contractors Equipment)
• Cyber Liability Insurance
• Garage and Dealers Insurance
• Restaurant & Bar Insurance
• Vehicle Insurance (Personal)
• Home Insurance (Personal)
• Specialty Personal Insurance

Quantifiable outcome

• Served over 129,000 clients across all US states as of 2023
• +4 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Sandia Area Federal Credit UnioncoreStrategic or Co-development Partner · 5 November 2024Inszone acquired Sandia Area FCU's insurance book and established an ongoing partnership to provide enhanced insurance services to Sandia Area members. The collaboration offers a broader range of insurance products while ensuring seamless coverage for existing clients.
• Stroman Consulting GroupminorImplementation/ SI/ Consulting Partner · 10 October 2024Consulting firm that supported the acquisition of San Antonio Insurance Services as part of Inszone's expansion into Texas.
• Davis PolkminorImplementation/ SI/ Consulting Partner · 27 November 2023Law firm that advised Lightyear Capital on its strategic investment in Inszone Insurance Services, with the transaction expected to close in late 2023.
• myCEcourseminorGTM or Marketing PartnerPartnership providing California business clients access to mandatory Sexual Harassment Prevention Training (SB 1343 compliant) at a discounted rate.
• Staff BoomminorOthersBack-office support vendor that powers the Inszone Insurance website infrastructure, as noted in the website footer 'Powered by Staff Boom'.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• BroadStreet Partners: PE-backed insurance brokerage rollup frequently cited alongside Inszone as a top 3 US broker acquirer in 2024-2026 (69 deals in 2025). Pursues an essentially identical tuck-in acquisition strategy targeting small/mid-market independent agencies, making it the most directly comparable peer.
• World Insurance Associates: PE-backed (Goldberg Segalla-backed, then divested) insurance brokerage rollup and one of the top 3 most active US broker buyers alongside Inszone in 2025. Similar multi-line, multi-state acquisition model with comparable SMB and mid-market target profile.
• Hub International: Top-tier North American insurance brokerage and one of Inszone's explicit peer references (49 deals in 2025, top 3). Operates a multi-carrier, multi-line brokerage with extensive geographic reach and a similar M&A-driven growth strategy.
• Higginbotham: Texas-based independent insurance brokerage with an active acquisition strategy across the South and Midwest. Comparable multi-line, multi-carrier offering and similar target customer segments (SMB and mid-market commercial accounts).
• Brown & Riding Insurance Services: National wholesale insurance brokerage focused on specialty and surplus lines placement. Comparable in independent-brokerage distribution model and target commercial niches (contractors, transportation, healthcare), though oriented toward wholesale placement rather than retail.
• RPS Insurance Services: Specialty insurance broker and managing general agent (part of Ryan Specialty Group). Comparable as a multi-line, multi-carrier distribution platform serving commercial clients with similar expertise in contractors, transportation, and other Inszone verticals.
• Cross Insurance: New England-headquartered independent insurance brokerage with a multi-state acquisition strategy. Comparable multi-line, multi-carrier independent agency model serving personal, commercial, and benefits clients.

Broad incumbents

• AssuredPartners: Large PE-backed (GTCR, then Chicago Growth Partners) insurance brokerage rollup with national reach and an active acquisition program. Comparable in product breadth (commercial P&C, personal, benefits) and tuck-in M&A approach, but materially larger scale than Inszone.
• Acrisure: One of the largest US insurance brokerage rollups, rapidly grown through hundreds of acquisitions. While much larger than Inszone, Acrisure's playbook of high-velocity agency acquisitions and technology investment parallels Inszone's strategy at a national scale.
• Arthur J. Gallagher & Co. Global, publicly traded insurance brokerage and risk management firm. While substantially larger than Inszone, Gallagher serves as a relevant reference point for the upper bound of independent brokerage scaling and the strategic exit profile Inszone could pursue.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/InszoneIns
• Facebookfacebook.com/InszoneInsuranceServices
• LinkedInlinkedin.com/company/inszone-insurance-services-inc-
• Instagraminstagram.com/inszoneins

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries50 records

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A166 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Inszone Insurance Services