Wozencraft Insurance

What Wozencraft Insurance does

Wozencraft Insurance (legal entity: Wozencraft Insurance Agency) is an independent U.S. insurance brokerage specializing in marine and watercraft coverage. Founded circa 2000 and headquartered in Orange County, California, with a second office in Lake Havasu City, Arizona, the firm operates with a 1–10 employee footprint. Its core product is boating insurance for boats, performance boats, and aquatic vessels, complemented by personal lines (auto, home, life, specialty) and commercial coverage. The company also runs a separate finance division, Wozencraft Finance, which provides nationwide marine financing and refinancing with terms up to 20 years and no-documentation loans up to $150,000.

The brokerage earns revenue through commissions on policies placed with multiple carrier partners, including Farmers Insurance, Bristol West, and Foremost, and positions itself as representing the customer rather than any single insurer. Go-to-market is sales-led: customers request quotes by phone (1.888.477.6517) or through dedicated online forms for each product line, with quotes typically delivered within 24 hours. Marketing channels include organic social media (Facebook, Instagram), a dedicated video/films library tied to marine events (e.g., LOTO, Desert Storm), and SMS messaging for quote updates. Pricing is quote-based on underwriting criteria such as asset specifications, coverage limits, and deductibles, with monthly billing cadence.

Technology and proprietary systems are not disclosed; no APIs, integrations, mobile apps, or AI/ML capabilities are indicated in the source material. The company claims over twenty years of industry experience and a 14-business-day typical claims resolution window as its primary operational differentiators. No institutional investors, parent company, subsidiaries, certifications, patents, or regulatory actions are disclosed.

Name

Wozencraft Insurance

Legal name

Wozencraft Insurance Agency

Website

https://wozencraftinsurance.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Wozencraft Insurance is an independent insurance brokerage specializing in marine and watercraft coverage, with additional personal and commercial lines. It serves individual boat owners and small businesses in California and Arizona via carrier partnerships with Farmers, Bristol West, and Foremost.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Yacht & Pleasure Craft Insurance (FSAJAHAI)

akta.pro secondary industries

Protection & Indemnity (P&I) / Marine Liability Insurance (FSAJAHAH), Variable Universal Life (VUL) Insurance (FSAIABAD)

Keywords

• Marine insurance
• Boat insurance
• Commercial insurance
• Home insurance
• Auto insurance

Headquarters

HQ city

Orange

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Wozencraft Insurance operates as an insurance broker/agency, earning commissions from multiple insurance carrier partnerships. They offer coverage from Farmers, Bristol West, Foremost, and other undisclosed carriers. The company matches customers with appropriate insurance products from their carrier network.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Wozencraft Insurance is an independent insurance agency that brokers marine, personal, and commercial insurance coverage on behalf of customers through partnerships with multiple carriers such as Farmers, Bristol West, and Foremost. Its core offering is specialized boating and watercraft insurance for performance boats and aquatic vessels, supplemented by auto, home, life, specialty, and commercial lines, plus marine financing services through Wozencraft Finance. Quotes are delivered within 24 hours and claims are typically resolved within 14 business days.

Product overview

Wozencraft Insurance is a marine-focused insurance agency offering a portfolio of insurance products and financial services. The core offering centers on specialized boating and watercraft insurance (their primary specialty), complemented by personal insurance products (auto, home, life) and commercial coverage for business clients. The company also offers Wozencraft Finance as a related financial service for marine financing needs. Together, these products serve individual boat owners, recreational vehicle enthusiasts, homeowners, and commercial marine businesses through relationships with multiple insurance carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Boating Insurance Specialized watercraft insurance coverage for boats, performance boats, and aquatic vessels, providing protection for hull, liability, and marine-specific risks. Targeted at boat and watercraft owners.
• Auto Insurance Personal auto insurance coverage for vehicles, including driver information collection and policy management for individual policyholders.
• Specialty Insurance Custom insurance coverage for specialty vehicles and equipment, covering cc's, base price, accessories, and total value for unique or high-value assets such as recreational vehicles.
• Home Insurance Residential property insurance covering primary residences, secondary residences, and rental properties with customizable coverage options.
• Life Insurance Life insurance products including term insurance (10, 20, 30 year options) and permanent insurance coverage for individuals and families.
• Commercial Insurance Business insurance coverage for commercial operations, supporting various business entities including corporations, LLCs, partnerships, and trusts.
• Wozencraft Finance Nationwide marine financing and refinancing services with up to 20-year terms, no documentation loans up to $150,000, and fast hassle-free closings for boat purchases.

Quantifiable outcome

• Claims typically handled within 14 business days

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Farmers InsurancecoreChannel Partner/ Reseller/ DistributorFarmers Insurance is one of the insurance carriers available through Wozencraft Insurance. The company displays Farmers Insurance logo on their claims page, indicating a partnership for providing insurance coverage options to customers.
• Bristol WestcoreChannel Partner/ Reseller/ DistributorBristol West is an insurance carrier partner available through Wozencraft Insurance. Listed on their claims page alongside other carrier partners.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorForemost Insurance is a carrier partner providing insurance coverage options through Wozencraft Insurance. Displayed on their claims page as an available insurance provider.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Progressive: Progressive writes boat, auto, home, and commercial insurance at national scale with a strong direct-to-consumer digital channel. It is a broad incumbent whose marine and multi-line offerings overlap Wozencraft's product portfolio, but at materially larger scale.
• GEICO: GEICO is one of the largest US auto and P&C insurers with a national boat insurance program and a strong digital acquisition funnel. It competes with Wozencraft on price-driven marine and auto placements.
• Allstate: Allstate is a broad national P&C insurer offering boat, auto, home, and life through captive agents and direct channels. It competes with Wozencraft across most of its product lines as a much larger incumbent.
• Markel Insurance: Markel is a specialty insurer with established marine and recreational lines and a strong broker distribution model. It overlaps with Wozencraft's specialty marine book as a broader incumbent with greater scale and capital.
• Farmers Insurance: Farmers is a national P&C carrier and one of Wozencraft's disclosed carrier partners. While Farmers is also a competitor when consumers go direct, it is comparable because Wozencraft effectively competes with Farmers' own captive agents for placement of marine and multi-line policies.
• State Farm: State Farm is the largest US personal lines insurer with an extensive captive agent network and growing marine offerings. It is a broad incumbent comparable to Wozencraft's multi-line, agent-led distribution model.

Direct peers

• Hagerty: Hagerty specializes in collector and enthusiast vehicle insurance with significant marine-adjacent and specialty asset coverage. It competes for the same affluent enthusiast-customer segment Wozencraft serves with performance boat and specialty insurance.
• Foremost Insurance Group: Foremost is a specialty P&C carrier with deep marine and recreational vehicle expertise and is one of Wozencraft's disclosed carrier partners. It is a direct peer in marine placement and competes with Wozencraft when customers compare broker-placed vs. direct-carrier marine policies.
• BoatUS: BoatUS is the largest US recreational boating membership organization and offers BoatUS Marine Insurance, a direct specialty watercraft insurance program. It directly competes with Wozencraft's core marine offering and targets the same boat-owner customer base.

Emerging players

• Lemonade: Lemonade is a digital-first Insurtech using AI-driven underwriting and a mobile-first experience. It represents the emerging digital threat to traditional brokers like Wozencraft, even though it does not yet focus on marine specialty lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/wozencraftins
• LinkedInlinkedin.com/company/wozencraft-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

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 Wozencraft Insurance