Sunshine Insurance Agency

What Sunshine Insurance Agency does

Sunshine Insurance Agency, Inc. is a privately held, owner-operated independent insurance agency founded in 1980 and headquartered at 213 South Sandusky Avenue in Upper Sandusky, Ohio. The firm serves individuals, families, and small businesses across North Central Ohio — primarily Wyandot and surrounding counties — through a core product set that includes auto, home, life, business, and farm insurance, supplemented by add-on coverages for flood, recreational vehicles (motorcycles, boats, RVs, ATVs, golf carts), commercial auto, and small-contractor artisans policies. As an independent agent, the agency is appointed with seven A-rated carriers — Auto-Owners, Encova, Foremost, Goodville Mutual, Hagerty, Liberty Mutual, and Progressive — and has access to additional non-listed companies, allowing it to quote and place coverage across multiple carriers for each customer.

The agency operates with two licensed producers (Eric Troiano, Owner/Agent with 25+ years of experience; Jennifer Tiell, Agent with 18+ years) and is distributed via direct phone (the primary channel), in-person office visits, and online quote request forms on its Wix-hosted website. Marketing reach is concentrated in local Facebook presence and Google review management. Revenue is generated entirely through carrier commissions on premiums written, with no disclosed fees, subscription revenue, or alternative streams; pricing is quote-based and individually underwritten rather than tiered. Differentiators include direct agent access without CSR or call-center intermediation, 24/7 cell-phone availability for emergencies, and multi-carrier price-shopping capability.

The firm has accumulated several carrier designations including Signature Agent status with Progressive, Key Agent status with Safeco, and Pacesetter and Million Dollar Agency recognition from Motorists Insurance. The business is operated from the same two-story building it has occupied for 38 years, and ownership remains with Eric Troiano, who acquired the agency in 1995 from founders Paula Rhoden and Jerry Risner. There are no disclosed funding events, subsidiaries, parent entities, M&A activity, regulatory actions, patents, or technology integrations beyond standard carrier quoting platforms.

Name

Sunshine Insurance Agency

Legal name

Sunshine Insurance Agency, Inc.

Website

https://sunshineinsuranceagency.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

1–10 employees

Short description

Sunshine Insurance Agency is a privately held, owner-operated independent insurance agency in Upper Sandusky, Ohio, serving individuals, families, farms, and small businesses in North Central Ohio with auto, home, life, business, and farm insurance through seven A-rated carrier partnerships.

Ownership category

akta.pro rank

Headquarters

HQ city

Upper Sandusky

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commissions: The agency earns commissions from insurance carriers for policies sold and serviced. As an independent agency, they represent multiple insurance companies and receive compensation based on premiums written through their carrier network.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Sunshine Insurance Agency is a local independent insurance brokerage established in 1980 in Upper Sandusky, Ohio. The agency sells personal, business, farm, and life insurance policies by quoting and placing coverage with multiple A-rated insurance carriers, including Auto-Owners, Encova, Foremost, Goodville Mutual, Hagerty, Liberty Mutual, and Progressive. Agents work directly with customers via phone, office visits, and online quote forms, and earn commissions from carriers for policies written.

Product overview

Sunshine Insurance Agency is an independent insurance agency established in 1980, offering a portfolio of personal and commercial insurance products through a network of seven insurance carriers. The core product lineup includes Auto Insurance, Home Insurance, Life Insurance, Business Insurance, and Farm Insurance. These are complemented by specialized add-on modules such as Toys Insurance (motorcycle, boat, RV, ATV, golf cart coverage), Flood Insurance, Commercial Auto, and Artisans Policies for small contractors. As an independent agency, they represent multiple A-rated carriers including Auto-Owners, Encova, Foremost, Goodville Mutual, Hagerty, Liberty Mutual, and Progressive, enabling them to match customers with competitive coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance coverage for personal-use vehicles including collision, comprehensive, liability, road trouble service, additional expense coverage, and lease/loan gap coverage. Targeted at individual vehicle owners.
• Home Insurance Homeowners insurance covering the home, other structures on the property, personal property, additional living expenses, and personal legal liability. Includes condo owners and renters insurance. Targeted at homeowners, condo owners, and renters.
• Business Insurance Commercial insurance policies tailored to business needs including property insurance, commercial general liability, workers' compensation, and commercial auto coverage. Targeted at small and mid-sized business owners.
• Farm Insurance Insurance coverage ranging from hobby farms to commercial agriculture exposures, including crop insurance that protects against natural disasters and value fluctuations. Targeted at farm owners and agricultural operators.
• Life Insurance Life insurance policies providing financial security and protection for dependents, available for individuals across various life stages including single, married, empty nesters, retired, and small business owners. Targeted at individuals and small business owners.
• Toys Insurance

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core.

• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Sunshine Insurance Agency. Provides auto, property, and related insurance products through the agency.
• Encova InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Sunshine Insurance Agency for various commercial and personal lines coverage.
• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier specializing in specialty products including mobile homes, motorhomes, and specialty property coverage.
• Goodville MutualcoreChannel Partner/ Reseller/ DistributorMutual insurance company represented by Sunshine Insurance Agency, offering property and casualty coverage.
• Hagerty InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for collector vehicles, classic cars, and enthusiast vehicles. Provides collector car insurance quotes through agency.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented by Sunshine Insurance Agency offering auto, home, and commercial coverage.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMajor national auto insurer with whom Sunshine holds Signature Agent status. Agency has preferred relationship for auto insurance placements.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Regional players

• Westfield Insurance: Ohio-based regional carrier distributing through independent agents in the Midwest. Operates in the same geographic and channel-adjacent space as Sunshine's carrier partners.
• Central Insurance: Ohio-headquartered regional P&C carrier distributed through independent agents; competes for the same small-business and farm accounts Sunshine serves.
• Motorists Insurance Group: A direct carrier partner of Sunshine; regional Ohio-based P&C group that sells exclusively through independent agents — directly comparable channel and geography.
• Erie Insurance: Headquartered in Erie, PA, Erie Insurance writes primarily through exclusive agency relationships across the Midwest and Mid-Atlantic — directly overlapping Sunshine's independent-agent distribution model and Ohio footprint.
• Grange Mutual: Ohio-based mutual insurer with a heavy independent-agent distribution model across the Midwest, overlapping Sunshine's customer base and rural Ohio geography.

Broad incumbents

• State Farm: Largest U.S. personal-lines writer, distributed through captive agents. Competes head-to-head with Sunshine for personal auto/home in the same Ohio towns.
• Allstate: National personal-lines incumbent with a captive-agent model and growing direct channel. Directly contests Sunshine's personal-lines book across Ohio.
• Liberty Mutual: A current carrier partner of Sunshine; national multi-line carrier with both independent-agent and direct distribution — a dual-channel competitor that affects placement economics.
• Nationwide: Columbus, OH-headquartered national carrier with strong captive-agent presence in Ohio. Competes directly with Sunshine for personal and small-commercial accounts in the same geography.

Emerging players

• Goosehead Insurance: Public independent-agency franchise model offering multi-carrier comparative shopping. Represents a scaled, more digital version of the same independent-brokerage thesis Sunshine operates on.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pages/Sunshine-Insurance-Agency/174450220705
• LinkedInlinkedin.com/company/sunshine-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Sunshine Insurance Agency