Lutz Insurance Services
Lutz Insurance Services is an independent insurance brokerage founded in 2006 in Del Mar, California. It represents 28+ carriers and places personal and commercial insurance for individuals, families, and small-to-medium businesses across California, Arizona, Nevada, Washington, and Oregon.
- Company typePrivate
- Founded2006
- HeadquartersDel Mar, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Lutz Insurance Services does
Lutz Insurance Services, Inc. is an independent insurance brokerage founded in 2006 by Stephen J. Lutz and headquartered in Del Mar, California. The agency represents more than two dozen insurance carriers — including Markel, Mercury, Nationwide, Progressive, Travelers, Chubb, Zurich, TransAmerica, CIGNA, Anthem, and Kaiser Permanente — and places both personal lines (auto, homeowners, life, health, flood, earthquake, motorcycle, boat, condo, renters, disability, long-term care, Medicare supplements, annuities, retirement) and commercial lines (BOP, general liability, workers compensation, commercial auto, commercial property, commercial umbrella, bonds, builders risk, professional liability, EPLI, D&O, E&O, restaurant, self-storage, equine, apartment building, condo association) for individuals, families, and small-to-medium businesses. Licensed to operate across California, Arizona, Nevada, Washington, and Oregon, the firm serves local San Diego coastal communities (Del Mar, La Jolla, Solana Beach, Rancho Santa Fe, Encinitas, Carlsbad) and a broader Western US client base.
The firm operates a sales-led go-to-market model in which licensed agents deliver quotes by phone, email, or web-based quote-request forms. There is no proprietary technology, no mobile app, no public API, and no AI/ML infrastructure; the website is built on the AlicorSolutions agency platform and quote forms are hosted by SecureFormSolutions. Pricing is quote-based and not publicly disclosed, with premiums customized to individual risk factors. Revenue is generated through carrier commissions on placed policies and is recurring in nature due to annual policy renewals.
Lutz Insurance Services is privately held and founder-owned by Stephen J. Lutz and Lisa A. Lutz, J.D. (a husband-and-wife team), with no institutional investment, no parent company, no subsidiaries, and no external capital. The team comprises four staff members — the two founders, Aaron Dorsey (long-term care, Medicare, and disability specialist, joined 2009), and Oskar Lutz (Chief Security Officer, a rescue dog). The business has remained small in headcount since its founding while gradually expanding its carrier panel, product breadth, and geographic footprint across five states, suggesting a deliberately boutique, relationship-driven operating model.
Lutz Insurance Services firmographics
Firmographics- Name
- Lutz Insurance Services
- Legal name
- Lutz Insurance Services, Inc.
- Website
- https://lutzinsuranceservices.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Lutz Insurance Services is an independent insurance brokerage founded in 2006 in Del Mar, California. It represents 28+ carriers and places personal and commercial insurance for individuals, families, and small-to-medium businesses across California, Arizona, Nevada, Washington, and Oregon.
- Ownership category
- akta.pro rank
Lutz Insurance Services industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro industry
- Retail (Personal Lines) Insurance BrokerageFinancial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory
Keywords
Where Lutz Insurance Services is headquartered
LocationHeadquarters
- HQ city
- Del Mar
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Lutz Insurance Services business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Insurance commissions: As an independent insurance agency, Lutz Insurance Services earns commissions from insurance carriers for policies sold. Commission rates are not disclosed. Revenue is recurring as policies are renewed annually.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing - no tiers publicly disclosed |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Lutz Insurance Services product offering
Product offeringCore offering
Lutz Insurance Services is an independent insurance agency that represents multiple financially stable insurance carriers to deliver personalized personal and commercial insurance solutions. The firm sells policies across auto, homeowners, life, health, specialty personal lines, and commercial lines including general liability, workers compensation, commercial property, BOPs, bonds, and industry-specific coverage. Agents source coverage from 28+ carriers to provide comparative quotes matched to client budgets.
Product overview
Lutz Insurance Services is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The company operates as a single agency with two core product lines: Personal Insurance (covering auto, home, life, health, and specialty coverage) and Business Insurance (covering liability, property, workers comp, and industry-specific policies). They represent multiple insurance carriers to provide competitive quotes. The portfolio includes over 40 distinct insurance products spanning personal lines (auto, homeowners, life, health, motorcycle, boat, flood, earthquake, condo, renters, disability, long-term care, Medicare supplements, umbrella, SR-22, RV, mobile home, jewelry, annuities, retirement) and commercial lines (general liability, workers compensation, commercial property, commercial auto, BOP, bonds, builders risk, umbrella, D&O, E&O, professional liability, group health/life, restaurant, self storage, apartment owners, condo association, EPLI, equine).
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance
Companies that use Lutz Insurance Services
Customer profileSegments2 records
Ideal customer profiles2 records
Lutz Insurance Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Lutz Insurance Services partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core.
- MarkelcoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Offers specialty insurance products including RV/motorhome coverage.
- Mercury InsurancecoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Auto insurance provider.
- NationwidecoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Multi-line insurer offering auto, home, and business coverage.
- ProgressivecoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Known for auto insurance.
- TravelerscoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Personal and business lines including flood insurance.
- ChubbcoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. High-value home and commercial insurance.
- ZurichcoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Global insurer offering commercial and specialty coverage.
- State Compensation Fund (SCIF)coreInsurance carrier partner. California workers compensation provider. Listed on Payments & Claims page with dedicated customer portal.
- TransAmericacoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Life insurance and annuities provider.
- CIGNAcoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Health insurance provider.
- AnthemcoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Health insurance provider.
- Kaiser PermanentecoreInsurance carrier partner. Sample carrier shown on 'Our Companies' page. Health maintenance organization.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Lutz Insurance Services competitors and assessment
Company assessmentMarket position
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Lutz Insurance Services social profiles
Digital presenceLutz Insurance Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lutz Insurance Services leadership team
Management profileNumber of profiles
Profiles4 records
Lutz Insurance Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lutz Insurance Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Lutz Insurance Services
What does Lutz Insurance Services do?
Lutz Insurance Services is an independent insurance agency that represents multiple financially stable insurance carriers to deliver personalized personal and commercial insurance solutions. The firm sells policies across auto, homeowners, life, health, specialty personal lines, and commercial lines including general liability, workers compensation, commercial property, BOPs, bonds, and industry-specific coverage. Agents source coverage from 28+ carriers to provide comparative quotes matched to client budgets.
Is Lutz Insurance Services a public or private company?
Lutz Insurance Services is a private company. It is classified as family owned and is currently operating.
When was Lutz Insurance Services founded?
Lutz Insurance Services was founded in 2006. It employs 1 to 10 people.
Where is Lutz Insurance Services based?
Lutz Insurance Services is headquartered in Del Mar, United States, in the North America region.
How does Lutz Insurance Services make money?
One revenue line is on record: insurance commissions.
Does Lutz Insurance Services have an API?
No public API is recorded for Lutz Insurance Services.
What industry is Lutz Insurance Services in?
Lutz Insurance Services's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 52421 and its SIC code is 6411.