Yuma Insurance.

What Yuma Insurance. does

Yuma Insurance, Inc. is a privately held, independent insurance agency headquartered at 2691 S 4th Ave, Yuma, Arizona, licensed in Arizona and California (California License 0A91304). The firm operates as a multi-line, multi-carrier agency distributing personal insurance (auto, home, RV, umbrella), commercial insurance (property, workers compensation, general liability, business owners policies, cyber, professional liability, EPL, trucking/cargo, bonds), and life, health, and Medicare products on behalf of 15+ carrier partners including Acuity, Auto Owners, Hartford, Nationwide, Safeco, Markel, BCBS, United Healthcare, Aflac, MetLife, Delta Dental, and Mutual of Omaha. The agency traces its roots to predecessor firm Jewett Insurance Agency (1947), was acquired by current co-owner Jack H. Puckett in 1991, and is today co-owned by Puckett and Tina Rusnak with approximately 15 employees.

The agency generates revenue exclusively through carrier-paid commissions on new policies and renewals, with no disclosed subscription or fee revenue. Its technology footprint is minimal and commodity-based: an internal Agency Management System augmented by the industry-standard CSR24 customer portal for 24/7 policy access and payments. There is no proprietary technology, no AI/ML capability, and no disclosed integrations beyond carrier-side appointments. GTM is sales-led and relationship-driven, anchored by community involvement (Yuma Chamber, Rotary, Amberly's Place, Yuma Community Food Bank, Caballeros de Yuma, and other local organizations), a single physical office, phone/email support, and online quote request forms.

The customer base spans individual consumers, families, small-to-medium businesses across industries (construction, agriculture, financial services), and public-sector employers including Yuma County, the City of Yuma, and multiple school districts. Group health and employee benefits for government and education clients constitute a meaningful share of commercial revenue, while personal lines (auto/home/RV) and small-business policies provide volume diversification. No external funding, acquisitions, parent company, or M&A activity is documented; ownership is concentrated between the two co-owner principals.

Name

Yuma Insurance.

Legal name

Yuma Insurance, Inc.

Website

https://yumainsurance.com

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

11–50 employees

Short description

Yuma Insurance is a privately held, independent multi-line insurance agency in Yuma, Arizona, distributing personal, commercial, and life/health/Medicare products through 15+ carrier partnerships to individuals, businesses, and public-sector employers across Arizona and California.

Ownership category

akta.pro rank

Headquarters

HQ city

Yuma

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, Yuma Insurance generates revenue through commissions paid by insurance carriers for new policy sales and policy renewals. The agency works with multiple carriers across personal, commercial, and life/health lines to provide options to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Yuma Insurance, Inc. is an independent insurance agency that sells personal, commercial, and life/health/Medicare insurance products on behalf of 15+ insurance carriers. The agency matches clients with carriers based on individual lifestyle and business needs, and earns commissions from carriers on new policy sales and renewals. Services span auto, home, RV, commercial property, workers compensation, cyber liability, life, health, Medicare, and supplemental coverages.

Product overview

Yuma Insurance, Inc. is an independent insurance agency that offers a comprehensive portfolio of insurance products through multiple carrier partnerships. The company provides three main product lines: Personal Insurance (auto, home, RV, and umbrella coverage), Business & Commercial Insurance (property, liability, workers compensation, cyber, professional liability, and various bonds), and Life, Health & Medicare Solutions (life, health, Medicare plans, disability, long-term care, dental, vision, and supplemental coverage). The company serves as a multi-carrier agency matching clients with insurance carriers that fit their needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance covering liability, medical payments, comprehensive, collision, uninsured/underinsured motorist, roadside assistance, and specialty auto for individuals and families.
• Home Insurance Property protection against fire, weather, theft, and injuries including homeowners, renters, manufactured/mobile home, landlord/dwelling, earthquake, flood, equipment breakdown, and identity theft coverage.
• RV Insurance Customized coverage for motorhomes, travel trailers, campers, boats, motorcycles, ATVs, and snowmobiles.
• Personal Umbrella Insurance Additional liability protection beyond standard personal insurance policies covering car, property, recreational vehicle accidents, legal costs, and personal injury claims.
• Commercial Property Insurance Business property coverage protecting business assets from damage and loss.
• Workers Compensation / Employers Liability Insurance Coverage for employee injuries and employer liability in workplace accident scenarios.
• Commercial Liability Insurance General liability coverage protecting businesses against third-party claims.
• Business Owners Policy (Small Business Insurance) Combined coverage for small businesses including property and liability protection.
• Trucking / Cargo Insurance Coverage for trucking operations and cargo in transit.
• Cyber Liability Insurance Protection against data breaches, cyber attacks, and privacy liability claims.
• Professional Liability / Errors & Omissions Insurance Coverage for professional negligence, errors, and omissions in service delivery.
• Bonds (Fidelity, Surety, Contract, License) Various bond products including fidelity, surety, contract, and license bonds.
• Life Insurance Coverage including individual life (final expense, mortgage protection, universal life, level term, whole life) and group/employer life insurance.
• Health Insurance
• Medicare Solutions Medicare enrollment assistance and plan selection including Medicare Supplement, Medicare Advantage (Part C), and Medicare Part D (Rx Plans).
• Group / Employee Benefits Group health, life, dental, vision, disability, and voluntary benefits packages for employers, with self-funded plan capability developed since the 1970s.

Named customers10 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core and minor.

• Acuity InsurancecoreChannel Partner/ Reseller/ DistributorPersonal and commercial lines insurance carrier providing property and casualty coverage. Yuma Insurance represents Acuity for both personal and commercial insurance products.
• Auto Owners InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier providing personal and commercial lines coverage. Yuma Insurance represents Auto Owners across personal auto/home and commercial lines.
• The HartfordcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier providing personal and commercial insurance products. Yuma Insurance represents Hartford for personal lines and commercial lines including workers compensation.
• NationwidecoreChannel Partner/ Reseller/ DistributorPersonal lines insurance carrier providing auto, home, and specialty insurance products.
• SafecocoreChannel Partner/ Reseller/ DistributorPersonal lines insurance carrier specializing in auto and home insurance products.
• MarkelcoreChannel Partner/ Reseller/ DistributorCommercial lines insurance carrier providing specialty coverage options for businesses.
• Blue Cross Blue Shield (BCBS)coreChannel Partner/ Reseller/ DistributorHealth insurance carrier providing medical coverage for individuals and groups. Yuma Insurance offers BCBS products in their life and health portfolio.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorHealth insurance carrier providing medical and supplemental coverage. Yuma Insurance offers United Healthcare products for individual and group coverage.
• AflaccoreChannel Partner/ Reseller/ DistributorSupplemental insurance carrier providing accident, critical illness, and hospital insurance products.
• MetLifecoreChannel Partner/ Reseller/ DistributorInsurance carrier providing life, dental, vision, and other employee benefits products.
• Delta DentalcoreChannel Partner/ Reseller/ DistributorDental insurance carrier providing dental coverage for individuals and groups.
• Mutual of OmahacoreChannel Partner/ Reseller/ DistributorInsurance and financial services company providing life, health, and supplemental insurance products.
• Foremost InsuranceminorChannel Partner/ Reseller/ DistributorPersonal lines carrier specializing in specialty insurance products including RV, motorhome, and specialty vehicles.
• AmWINS BrokerageminorChannel Partner/ Reseller/ DistributorInsurance broker providing access to specialized and excess/surplus lines coverage for complex commercial insurance needs.

Scale indicators3 records

Recent moves2 records

Expansion highlights4 records

Emerging players

• Lemonade: Digital-first insurance carrier using AI-driven underwriting and direct-to-consumer distribution. Represents the structural disruptor to traditional independent agency distribution, particularly in personal lines (renters, home, auto) that constitute a core Yuma Insurance segment.

Broad incumbents

• Marsh McLennan: Global professional services firm in insurance brokerage, risk management, and consulting. Largest-scale competitor in the insurance intermediary space, serving enterprise and government clients that overlap with Yuma Insurance's institutional base.
• Brown & Brown: Florida-headquartered national insurance brokerage ranked among the largest in the US. Represents the scaled national version of the independent brokerage model Yuma Insurance operates, with vastly broader carrier access, geographic footprint, and enterprise capabilities.
• Hub International: North American insurance brokerage providing commercial, personal, and employee benefits solutions. Acts as a scaled regional brokerage competitor for mid-market commercial and group benefits accounts.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm. Represents the scaled incumbent version of the independent agency model, competing for large commercial accounts and group benefits placements that Yuma Insurance targets at the SMB tier.

Direct peers

• Lovitt & Touche: Mesa, Arizona-based independent insurance agency offering personal, commercial, and employee benefits coverage through multiple carrier partnerships. Most directly comparable peer given similar Arizona footprint, multi-line independent agency model, and SMB/mid-market commercial emphasis.
• TrueNorth Companies: Cedar Rapids, Iowa-based independent insurance and financial services firm offering commercial insurance, personal lines, and employee benefits through multiple carrier relationships. Comparable as a mid-sized multi-line independent agency serving regional SMBs and institutions.
• IMA Financial Group: Kansas City-based independent insurance agency providing commercial insurance, personal lines, and employee benefits via carrier partnerships. Comparable multi-line independent model with similar regional focus and group benefits emphasis.
• Kapnick Insurance Group: Michigan-based independent insurance agency offering commercial, personal, and group benefits coverage through carrier relationships. Comparable as a mid-sized independent agency operating outside major metro markets.

Others

• Acuity Insurance: Wisconsin-based insurance carrier offering personal and commercial property and casualty coverage. Listed as one of Yuma Insurance's core carrier partners; represents the supply-side counterpart in the agency relationship and is comparable as a regional mutual carrier.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/YumainsuranceInc
• Instagraminstagram.com/yumainsuranceinc
• LinkedInlinkedin.com/company/yuma-insurance-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Yuma Insurance.