Zein Insurance Services

What Zein Insurance Services does

Zein Insurance Services (ZIS) is an independent insurance agency founded in 2000 and headquartered at 21800 Oxnard St, Suite 170, Woodland Hills, California, inside the Warner Towers complex. The firm operates as a multi-carrier brokerage, representing more than 50 insurance carriers including Anthem, Blue Shield of California, Kaiser Permanente, Health Net, Humana, Aetna, Cigna, UnitedHealthcare, CaliforniaChoice, Covered California, CHUBB, Travelers, The Hartford, Nationwide, Progressive, AmTrust, State Fund California, and Lloyd's of London. Revenue is generated through carrier commissions on policy placement and ongoing servicing across health, commercial, personal, and specialty insurance lines.

The company runs a nine-person team led by CEO and Principal Broker Hisham Elzein, with account executives handling group benefits, Medicare, individual health, commercial lines, and personal lines. The product portfolio spans group health for groups of 2–99 and 100+ employees, individual and family health plans, Medicare supplements, Covered California enrollment, dental and vision, general liability, workers' compensation, cyber liability, commercial auto, E&O, EPLI, D&O, and specialty verticals including restaurants, medical spas, laboratories, physical therapists, non-emergency medical transportation, food trucks, architects, auto repair shops, and pet groomers. For group clients, ZIS provides an HR platform and compliance tools. Technology consists of carrier quoting platforms, third-party lead aggregators (quotit.net, consumerratequotes.com), and an epaypolicy payment portal — with no proprietary AI, no developer-facing API, and no in-house underwriting or claims platform.

Distribution operates through licensed agents via phone (+1 877-323-1009), website quote forms, and in-person consultations at the Woodland Hills office, supplemented by an independent agent network recruiting across 32 states. The firm reports a 97% client retention rate and 100+ years of combined team experience. Recent strategic activity — nationwide agent recruitment, a Large Group (100+) product with level-funded/self-insured options, a MORE Health second-opinion partnership, an International Medical Group travel/student product partnership, and nine vertical-specific packaging initiatives — represents the primary growth vectors beyond the California core book.

Name

Zein Insurance Services

Legal name

Zein Insurance Services

Website

https://zisinsurance.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Zein Insurance Services is an independent insurance agency in Woodland Hills, California, representing 50+ carriers across health, business, personal, and specialty insurance lines for individuals, families, and businesses from 2 to 100+ employees, with a growing nationwide agent network.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industries

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Off-Exchange Individual & Family Plans (HLAEABAB)

Keywords

• Commercial insurance brokerage
• Health insurance agency
• Business insurance solutions
• Independent insurance agent
• Workers compensation insurance

Headquarters

HQ city

Woodland Hills

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 Brokerage/Agency Commissions: As an independent insurance agency, Zein Insurance Services earns commissions from insurance carriers when they sell and service insurance policies. The company represents multiple insurance carriers and earns referral/agency commissions on all products sold.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Zein Insurance Services is an independent insurance agency that brokers health, business, personal, and specialty insurance products on behalf of more than 50 insurance carriers. The company places individual, family, Medicare, and small/large group health plans alongside commercial lines (general liability, workers' compensation, cyber, commercial auto, E&O, EPLI, D&O) and personal lines (auto, home, renters) for California-based clients. Industry-specific packages are offered for restaurants, med spas, physical therapists, laboratories, architects, NEMT providers, pet groomers, food trucks, and garages.

Product overview

Zein Insurance Services is an independent insurance agency offering a comprehensive portfolio of insurance products and services primarily serving individuals, families, and businesses in California. The company provides health insurance products (Individual/Family, Small Group 2-99 employees, Large Group 100+ employees, Medicare, Covered California, Telemedicine, and Dental/Vision), business insurance products (General Liability, Workers' Compensation, Cyber Security Liability, Commercial Auto, Commercial Umbrella, E&O/Malpractice, EPLI, D&O, and Special Event), and personal insurance (Car, Home Owners, Renters, HOA/Condominium). The company also offers specialized industry-specific coverages for Physical Therapists, Med Spas, Pet Groomers, Garage Keepers, Food Trucks, Architects, Restaurants, NEMT providers, and Laboratories, plus specialty products including Earthquake, Travel, Flood, International Student, Personal Umbrella, and Accident/Disability insurance. For group health clients, Zein Insurance provides an HR platform and compliance tools as a service module. As an independent agency, they represent multiple insurance carriers rather than selling proprietary insurance products.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual and Family Health Insurance Health coverage for individuals and families, including options through Covered California and ACA-compliant plans offered through multiple carrier partners.
• Small Group Health Insurance (2-99 Employees) Group health benefits for small businesses with 2 to 99 employees, including HR platform access and compliance tools, with composite rates available for groups with 25+ employees.
• Large Group Health Insurance (100+ Employees) Comprehensive health plans for California businesses with 100+ employees, offering fully insured, level-funded, and self-insured options with composite rates.
• Medicare Insurance Medicare Supplement Insurance (Medigap) policies that help cover healthcare costs not included in Original Medicare, including co-payments, coinsurance, and deductibles.
• Covered California Plans Affordable Care Act (Obamacare) health insurance plans through Covered California, including access to government subsidies and Medi-Cal for low-income individuals.
• Dental and Vision Insurance Supplemental dental and vision coverage for individuals and groups.
• General Liability Insurance Coverage protecting businesses against claims of bodily injury, property damage, and personal injury to third parties.
• Workers' Compensation Insurance Mandatory coverage in California providing medical and financial support to employees with work-related injuries or illnesses.
• Cyber Security Liability Insurance Protection against losses from data breaches and cyber attacks, covering legal fees, notification costs, and regulatory fines.
• Commercial Auto Insurance Vehicle coverage for businesses including trucking, local delivery, long haul, logistics, and for-hire transport services.
• E&O / Malpractice Insurance Errors and Omissions coverage protecting professionals against claims arising from mistakes or negligence in services provided.
• EPLI - Employment Practices Liability Insurance Coverage against employment-related claims including discrimination, sexual harassment, wrongful termination, and ADA violations.
• D&O - Directors and Officers Liability Insurance Financial protection for company directors and officers against claims related to fiduciary duties and management decisions.
• Commercial Umbrella Insurance Extra liability coverage beyond auto and homeowners limits for unexpected events.
• Special Event Insurance Coverage for liability during company events, trade expos, job fairs, and festivals.
• Car Insurance Auto insurance meeting state requirements with options for full coverage including comprehensive and collision, or state-minimum liability policies.
• Home Owners Insurance Package policy covering home damage, personal property, and liability for injuries or property damage caused by family members or pets.
• Renters Insurance Coverage for tenants including property damage/theft, liability, and cost of housing if property becomes uninhabitable.
• HOA / Condominium Insurance Insurance coverage for homeowners associations and condominium owners.
• Earthquake Insurance Separate policy coverage for earthquake damage, which is typically excluded from standard homeowners insurance.
• Flood Insurance Coverage through the National Flood Insurance Program protecting against flood damage.
• Travel Insurance Coverage for trip cancellation, travel delays, medical expenses, and evacuation for travelers abroad.
• International Student Insurance Health insurance for international students studying abroad, including J1 and J2 visa requirements, with plans like Patriot Exchange and Student Health Advantage.
• Personal Umbrella / Excess Insurance Extra liability protection beyond auto and homeowners policy limits for unforeseen events.
• Accident and Disability Insurance Supplemental coverage for out-of-pocket expenses from accidents and income protection if unable to work due to disability.
• Telemedicine Virtual healthcare consultation services included as part of health insurance offerings.
• Restaurant Insurance Comprehensive coverage for restaurants including commercial general liability, property, business interruption, liquor liability, equipment breakdown, and cyber liability.
• Food Truck Insurance Protection for food truck operations including commercial auto, general liability, cyber liability, property, product liability, and business interruption.
• Med Spa Insurance Coverage for medical spas including professional liability (malpractice), general liability, property, business interruption, and cyber liability.
• NEMT Insurance Coverage for non-emergency medical transportation services including commercial auto, general liability, professional liability, cyber liability, and workers compensation.
• Physical Therapist Insurance Specialized coverage for physical therapists including professional liability, general liability, cyber liability, property, and workers compensation.
• Architects Insurance Professional liability (E&O), general liability, property, workers compensation, and cyber liability coverage for architectural firms.
• Laboratory Insurance Protection for diagnostic and medical laboratories including professional liability, general liability, property, workers compensation, business interruption, and cyber liability.
• Pet Groomers Insurance Protection for pet grooming businesses including general liability, professional liability, animal bailee coverage, property, and business interruption.
• Garage Keepers Insurance Coverage for auto repair shops including garage keepers liability, general liability, cyber liability, commercial property, and business interruption.

Quantifiable outcome

• 97% client retention rate
• +2 more outcomes

Named customers4 records

Segments12 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

23 partnerships are on record, tiered core and supporting.

• Blue Shield of CaliforniacoreChannel Partner/ Reseller/ DistributorHealth insurance carrier represented through the independent agency. Offers individual, family, and group health plans including PPO and HMO options.
• CaliforniaChoicecoreChannel Partner/ Reseller/ DistributorCalifornia-based health insurance provider offering small business group health plans through independent agents.
• AnthemcoreChannel Partner/ Reseller/ DistributorMajor national health insurer represented for individual, family, and group health coverage.
• Health NetcoreChannel Partner/ Reseller/ DistributorCalifornia health insurance carrier offering HMO and PPO plans for individuals and groups.
• Kaiser PermanentecoreChannel Partner/ Reseller/ DistributorIntegrated managed care consortium offering health insurance plans in California.
• HumanacoreChannel Partner/ Reseller/ DistributorNational health and wellness company offering Medicare, employer, and individual health plans.
• AetnacoreChannel Partner/ Reseller/ DistributorCVS Health company offering comprehensive health insurance products across individual and group markets.
• CignacoreChannel Partner/ Reseller/ DistributorGlobal health service company offering health, dental, and Medicare plans.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorNation's largest health insurer providing coverage across individual, employer, and Medicare markets.
• Principal Financial GroupsupportingChannel Partner/ Reseller/ DistributorEmployee benefits company offering retirement, insurance, and asset management products.
• Guardian LifesupportingChannel Partner/ Reseller/ DistributorMutual insurance company offering dental, vision, life, and disability insurance.
• UnumsupportingChannel Partner/ Reseller/ DistributorEmployee benefits provider offering disability, life, and supplemental insurance.
• CHUBBsupportingChannel Partner/ Reseller/ DistributorCommercial and personal property and casualty insurance carrier.
• TravelerssupportingChannel Partner/ Reseller/ DistributorProperty casualty insurer offering business and personal insurance products.
• The HartfordsupportingChannel Partner/ Reseller/ DistributorMutual fund and insurance company focused on business and employee benefits.
• NationwidesupportingChannel Partner/ Reseller/ DistributorFortune 100 insurance and financial services company.
• ProgressivesupportingChannel Partner/ Reseller/ DistributorAuto insurance carrier offering personal and commercial vehicle coverage.
• AmTrustsupportingChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for small and mid-sized businesses.
• State Fund CaliforniasupportingChannel Partner/ Reseller/ DistributorCalifornia's largest workers compensation insurer providing coverage for employers.
• Lloyd's of LondonsupportingChannel Partner/ Reseller/ DistributorGlobal insurance market providing specialty and commercial insurance coverage.
• Covered CaliforniacoreChannel Partner/ Reseller/ DistributorState-run health insurance marketplace. Company is a certified ACA agency assisting individuals and families in obtaining subsidized coverage.
• MORE HealthsupportingStrategic or Co-development PartnerHealthcare technology partner providing second opinion medical services integrated with group health plans offered by ZIS.
• International Medical Group (IMG)supportingChannel Partner/ Reseller/ DistributorProvider of travel and international health insurance products including Patriot Exchange, Student Health Advantage, and travel medical insurance.

Scale indicators5 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Woodruff-Sawyer & Co. San Francisco-based commercial insurance brokerage serving mid-sized businesses with multi-carrier access and vertical specialization. Comparable to Zein's commercial lines expertise, employee benefits practice, and California SMB/mid-market focus.
• Hilb Group: Growing independent insurance agency aggregator operating across multiple U.S. states, pursuing a similar multi-state expansion strategy to Zein's agent recruitment initiative. Comparable business model of multi-carrier placement and multi-line offerings through local offices.
• Heffernan Insurance Brokers: California-based (Walnut Creek) independent insurance broker founded 1988 serving businesses and individuals with multi-line offerings similar to Zein's mix of commercial, personal, and group benefits. Heavy California focus and multi-carrier access model directly comparable to ZIS.
• Higginbotham: Texas-headquartered independent insurance brokerage serving businesses with multi-line commercial and benefits coverage. Comparable independent agency model with multi-state scaling via acquisitions and producer recruitment — relevant analogue to Zein's 32-state agent recruitment plan.
• SullivanCurtisMonroe Insurance Services: California-based independent insurance agency serving individuals, families, and businesses with health, commercial, and personal lines. Closely comparable to Zein's customer segments, multi-carrier placement model, and California-centered distribution footprint.
• OneDigital: National employee benefits and insurance brokerage with strong group health and employer benefits practice. Comparable to Zein's group health, employee benefits, and HR platform offerings for SMB and mid-market clients.

Broad incumbents

• Brown & Brown Insurance: Large diversified insurance brokerage with significant California operations. Comparable in that it serves small/mid-market commercial clients with multi-line products (commercial, personal, employee benefits), though at much greater scale and geographic breadth than Zein.
• Acrisure: Tech-enabled insurance brokerage that has rapidly scaled through aggregator acquisitions across the U.S. and UK. Substantially larger than Zein but illustrative of the independent agency platform model — relevant as a scaled-up version of Zein's positioning.
• USI Insurance Services: Large national insurance brokerage and employee benefits firm with strong group benefits capabilities. Comparable benefits brokerage practice and multi-carrier distribution, though substantially larger than Zein.
• Lockton Companies: World's largest independent insurance brokerage with strong employee benefits practice comparable to Zein's group health offering. Operating model of independence, multi-carrier access, and benefits-driven cross-sell parallels Zein's positioning at meaningfully greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@zeininsuranceservicesinc419
• Facebookfacebook.com/zeininsurance
• LinkedInlinkedin.com/company/zein-insurance
• Instagraminstagram.com/zein_insurance
• Xx.com/Zisinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Zein Insurance Services