KOVR Insurance Services
KOVR Insurance Services is an independent, commission-based insurance agency founded in 2020 that distributes personal, commercial, Medicare, and group benefits products from 12+ carriers to individuals, families, and small businesses across California and Texas.
- Company typePrivate
- Founded2020
- HeadquartersLos Angeles, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What KOVR Insurance Services does
KOVR Insurance Services (legal entity Kovr, Inc.) is an independent, full-service insurance agency founded in 2020 during the COVID-19 pandemic and headquartered in Southern California with licensed operations in California (License #6003884) and Texas (License #2934690). The firm distributes personal lines (home, auto, life, earthquake, flood, valuable items, umbrella), commercial lines (business owner policy, workers compensation, cyber, professional liability), Medicare (Supplement, Drug, and Advantage Plans), and Group Benefits products on behalf of 12+ carrier partners including Travelers, United Healthcare, Humana, Cigna, MetLife, Anthem, Blue Shield of California, Progressive, Liberty Mutual, Nationwide, and SCAN. Revenue is earned through carrier commissions; no broker fees are charged to clients. The team is small (~7 named licensed agents and account managers), fully remote, and led by CEO/Partner Stephanie Michele and CFO/Partner Dave Nelson (licensed since 1982). The agency operates a sales-led, agent-driven go-to-market model with direct phone (888.929.5687), online quote requests via the Indio portal, and Formstack-powered lead capture. Third-party SaaS dependencies include Canopy for insurance verification and quote provision; there is no proprietary technology, mobile app, or API surface. Notable strategic actions include the January 2023 acquisition of Retsky Insurance Agency, the 2025 launch of the "KOVR Loves Trees" CSR initiative in partnership with Treepeople's Wildfire Resilience Fund, and continued expansion of carrier and product breadth across the small-business and senior segments.
KOVR Insurance Services firmographics
Firmographics- Name
- KOVR Insurance Services
- Legal name
- Kovr, Inc.
- Website
- https://wekovr.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- KOVR Insurance Services is an independent, commission-based insurance agency founded in 2020 that distributes personal, commercial, Medicare, and group benefits products from 12+ carriers to individuals, families, and small businesses across California and Texas.
- Ownership category
- akta.pro rank
KOVR Insurance Services industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
- akta.pro secondary industries
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
Keywords
Where KOVR Insurance Services is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
KOVR Insurance Services business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others, Technology or R&D
Revenue model
- Insurance Brokerage Commissions: KOVR Insurance Services operates as a licensed insurance agency earning commissions from insurance carriers. They represent multiple reputable insurance carriers and do not charge broker fees to clients. Revenue is generated through commissions on policies sold across personal lines (auto, home), Medicare, commercial, and group benefits insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | No broker fee - commission-based model from carrier partners |
| Subscription | Monthly | Life insurance coverage starting at $50/month for $1M coverage |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
KOVR Insurance Services product offering
Product offeringCore offering
KOVR Insurance Services is a licensed full-service independent insurance agency that brokers personal lines (auto, home, life, umbrella, earthquake, flood, pet), commercial lines (business owner policy, workers comp, cyber, professional liability), Medicare (Supplement, Advantage, Drug Plans), and group benefits on behalf of 12+ carrier partners. The agency does not charge broker fees to clients and earns revenue through carrier commissions while providing agent-led consultations, bundling discounts, complimentary policy reviews, and claims assistance.
Product overview
KOVR Insurance Services is a full-service insurance agency offering a portfolio of insurance products and services through three core offerings: Personal Lines Insurance (home, auto, earthquake, flood, life, valuable items, and umbrella coverage with bundling discounts), Commercial Lines Insurance (business owner policies, cyber threats, earthquake, and professional liability), and Medicare Insurance (Supplement, Drug, and Advantage Plans in California and Texas). The company also provides Group Benefits for employers and Auto Claims Assistance. KOVR acts as an insurance broker, representing multiple carrier partners without charging broker fees, and offers complimentary policy reviews to ensure clients have appropriate coverage.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Lines Insurance Personal insurance coverage for individuals and families including home, auto, earthquake, flood, life, valuable items, renters, personal umbrella, and pet insurance. Bundling discounts available for combining home and auto policies. Tailored to life-stage (Starting 19-34, Building 35-60, Holding 61+).
- Commercial Lines Insurance Business insurance coverage for small to mid-sized businesses including business owner policy, workers compensation, cyber threats liability, earthquake, professional liability, and commercial auto. Tailored to individual business needs and industry risks.
- Medicare Insurance Medicare coverage services including Medicare Supplement Plans, Medicare Advantage Plans, and Prescription Drug Plans. Licensed agents available in California and Texas assist with initial enrollment, open enrollment (October 15-December 7), and ongoing plan selection support.
- Group Benefits Employee benefits packages for businesses including health insurance, life insurance, disability insurance, and long-term care. Includes dedicated account management, HR resources, expert access, and tools to reduce time spent on benefits administration.
- Life Insurance Life insurance protection for families with instant coverage estimates. One million dollars of coverage starts as low as $50 per month. Individual rates vary based on health, age, and coverage needs.
- Auto Claims Assistance Claims support service where KOVR agents assist clients in navigating auto insurance claims, including guidance on deductible, rental reimbursement, and towing coverage.
Quantifiable outcome
- Clients report saving $400+ per year by bundling home and auto insurance with KOVR
- +1 more outcomes
Companies that use KOVR Insurance Services
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles3 records
KOVR Insurance Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
KOVR Insurance Services partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core.
- TravelerscoreTravelers is one of KOVR's carrier partners providing commercial and personal insurance products. Travelers is listed prominently in KOVR's carrier partner logo section alongside 11 other carriers.
- United HealthcarecoreUnited Healthcare is a carrier partner providing health insurance and Medicare products. Listed in KOVR's carrier partner section as one of the major health insurance providers represented.
- HumanacoreHumana is a carrier partner for Medicare and health insurance products. Represented through KOVR's Medicare services page and carrier partner logos.
- CignacoreCigna is a carrier partner providing health insurance and related products. Listed among KOVR's insurance carrier partners in the logo carousel.
- MetLifecoreMetLife is a carrier partner for various insurance products including life insurance and employee benefits. Featured in KOVR's carrier partner section.
- AnthemcoreAnthem (now Elevance Health) is a carrier partner providing health insurance products. Listed in KOVR's carrier partner section.
- Blue Shield of CaliforniacoreBlue Shield of California is a regional carrier partner providing health insurance products, prominently featured in KOVR's California-focused insurance offerings.
- ProgressivecoreProgressive is a carrier partner for auto and personal insurance products. Listed in KOVR's carrier partner section with contact number 800.925.2886 for claims.
- Liberty MutualcoreLiberty Mutual is a carrier partner for personal and commercial insurance products. Listed in KOVR's carrier partner logo section.
- NationwidecoreNationwide is a carrier partner providing various insurance products. Listed in KOVR's carrier section with contact number 800.421.3535 for claims assistance.
- SCAN Health PlancoreSCAN Health Plan is a Medicare-focused carrier partner providing Medicare Advantage plans. Listed in KOVR's Medicare carrier partner section.
- TreepeoplecoreTreepeople is a nonprofit partner for KOVR's environmental initiative 'KOVR Loves Trees.' In 2025, KOVR donated to Treepeople's Wildfire Resilience Fund and sponsored 50 trees for reforestation. KOVR invites carrier partners and clients to join tree planting events with Treepeople.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
KOVR Insurance Services competitors and assessment
Company assessmentDirect peers
- Brightway Insurance: Franchise-based multi-carrier insurance agency offering personal, commercial, and specialty lines; comparable to KOVR as a retail brokerage that represents multiple carriers and earns commissions across P&C.
- HealthMarkets: National insurance agency distributing individual health, Medicare, and small-group coverage from multiple carriers; directly comparable to KOVR's Medicare and health brokerage practice.
- Goosehead Insurance: Multi-carrier personal and commercial insurance brokerage with a large agent network; directly comparable to KOVR's retail brokerage model across home, auto, and commercial lines with multiple carrier appointments.
- SmartFinancial: Online multi-carrier insurance comparison and brokerage shop serving personal and commercial lines; comparable as a tech-enabled multi-carrier broker competing for the same customer acquisition channels.
Broad incumbents
- SelectQuote: Large-scale direct-to-consumer insurance distributor with a heavy Medicare focus and diversified life and auto lines; comparable at the segment level (especially Medicare) though far larger and publicly traded.
- EverQuote: Online insurance marketplace connecting consumers with agents and carriers across P&C and health; operates adjacent infrastructure that competes with small brokerages for lead flow.
Emerging players
- Policygenius: Digital-first multi-carrier insurance marketplace focused on life, home, auto, and disability; competes for the same online quote-request shopper that KOVR's Indio-powered funnel targets.
- The Zebra: Online auto and home insurance comparison platform; competes with KOVR's personal lines value proposition by enabling self-service quoting from multiple carriers.
- Insurify: AI-driven insurance comparison and acquisition platform for auto, home, and life; an emerging digital alternative to agent-led brokerage that pressures KOVR's top-of-funnel.
Regional players
- Frankenmuth Insurance: Regional multi-line carrier-agency group in the Midwest offering personal, commercial, and group benefits; comparable in product breadth and agent-led distribution but concentrated in a different region.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
KOVR Insurance Services social profiles
Digital presenceKOVR Insurance Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
KOVR Insurance Services leadership team
Management profileNumber of profiles
Profiles7 records
KOVR Insurance Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KOVR Insurance Services M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KOVR Insurance Services
What does KOVR Insurance Services do?
KOVR Insurance Services is a licensed full-service independent insurance agency that brokers personal lines (auto, home, life, umbrella, earthquake, flood, pet), commercial lines (business owner policy, workers comp, cyber, professional liability), Medicare (Supplement, Advantage, Drug Plans), and group benefits on behalf of 12+ carrier partners. The agency does not charge broker fees to clients and earns revenue through carrier commissions while providing agent-led consultations, bundling discounts, complimentary policy reviews, and claims assistance.
Is KOVR Insurance Services a public or private company?
KOVR Insurance Services is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was KOVR Insurance Services founded?
KOVR Insurance Services was founded in 2020. It employs 11 to 50 people.
Where is KOVR Insurance Services based?
KOVR Insurance Services is headquartered in Los Angeles, United States, in the North America region.
How does KOVR Insurance Services make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are KOVR Insurance Services's main competitors?
Direct peers on record are Brightway Insurance, HealthMarkets, Goosehead Insurance and SmartFinancial. Broad incumbents are SelectQuote and EverQuote. Emerging players are Policygenius, The Zebra and Insurify. Frankenmuth Insurance is listed as a regional player.
Does KOVR Insurance Services have an API?
No public API is recorded for KOVR Insurance Services.
What industry is KOVR Insurance Services in?
KOVR Insurance Services's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage, with a secondary code of FSAIAEAL, Individual Health Insurance Brokerage & Distribution. Its NAICS code is 52421 and its SIC code is 6411.