All Spectrum Insurance Brokers Inc

What All Spectrum Insurance Brokers Inc does

All Spectrum Insurance Brokers Inc is a privately held independent insurance agency headquartered in San Jose, California, operating under principals Mac Ischanov and Dmitriy Lazarev. The firm is licensed in 13 US states and places both personal and commercial lines on behalf of individuals, families, and small-to-medium businesses through carrier partner relationships, earning commission revenue on premiums written.

The agency distributes roughly 28 insurance products across three categories: personal lines (auto, home, life, motorcycle, boat, classic car, condo, renters, RV, off-road, umbrella, earthquake, flood), commercial lines (business, workers compensation, commercial auto, commercial liability, commercial property, commercial umbrella, construction, restaurant, technology, professional liability/E&O, group benefits, HOA, landlord, apartment building, building owner), and specialty disaster coverage. Customer acquisition runs through a sales-led motion combining website quote-request forms, dedicated phone lines, in-person consultation at the San Jose office, and an educational blog that has been continuously updated since 2011.

The technology stack is standard for an independent agency — quote request forms, carrier connectivity for policy processing, and customer management — with no proprietary platform features and no public API. There is no disclosed AI/ML capability, no outside institutional investment, and no parent company. The firm relies on its multi-carrier distribution advantage and a PIIB Agency of the Year credential as its primary sources of competitive positioning within a relationship-driven regional market.

Name

All Spectrum Insurance Brokers Inc

Legal name

All Spectrum Insurance Brokers Inc

Website

https://asibrokers.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

All Spectrum Insurance Brokers Inc is an independent insurance agency headquartered in San Jose, California that places personal, commercial, and specialty insurance products across 13 US states via a multi-carrier commission model, serving individuals, families, and small-to-medium businesses.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Insurance carrier partnerships
• Multi-line insurance products

Headquarters

HQ city

San Jose

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, Others

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, All Spectrum Insurance Brokers earns commissions from insurance carrier partners when they place insurance policies for customers. The company works with multiple insurance companies to provide coverage options, earning a percentage of the premium as compensation for policy placement and ongoing customer service.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

All Spectrum Insurance Brokers is an independent insurance agency that places personal and commercial insurance policies on behalf of customers by shopping across multiple carrier partners. The firm provides auto, home, life, and specialty personal lines alongside commercial packages including workers compensation, commercial auto, liability, property, and industry-specific coverage, earning commissions from the carriers that underwrite the policies.

Product overview

All Spectrum Insurance Brokers Inc is an independent insurance agency located in San Jose, California offering a comprehensive portfolio of insurance products. The company operates as a multi-product insurance brokerage, providing both personal insurance (Auto, Home, Life, Motorcycle, Boat, Classic Car, Condo, Renters, RV, Off-Road Vehicle, and Umbrella) and commercial insurance (Business, Workers Compensation, Commercial Auto, Commercial Liability, Commercial Property, Commercial Umbrella, Construction, Group Benefits, HOA, Landlord, Professional Liability/E&O, Restaurant, Technology, Apartment Building, and Building Owner). The company also offers specialty disaster coverage including Earthquake and Flood insurance. As an independent agency, they work with multiple insurance carriers to provide coverage options for various personal and business insurance needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage providing affordable and complete protection for San Jose auto owners, including liability, collision, and comprehensive coverage options.
• Home Insurance Homeowner coverage protecting San Jose properties at the lowest rate available, covering dwelling, personal property, and liability.
• Business Insurance Comprehensive commercial coverage for businesses including property, liability, and industry-specific protection.
• Life Insurance Coverage that evolves with life changes, providing affordable San Jose life insurance choices including term and universal policies.
• Workers Compensation Complete workers comp solutions for California businesses, covering employee injuries and related medical costs.
• Motorcycle Insurance Specialized coverage for motorcycles including liability, collision, and comprehensive protection.
• Boat Insurance Coverage for boats and watercraft protecting against damages, liability, and water-related incidents.
• Classic Car Insurance Specialized coverage for classic and collector vehicles with agreed value protection.
• Commercial Auto Insurance Vehicle coverage for business operations including company vehicles and commercial fleets.
• Commercial Liability Protection against business liability claims including bodily injury and property damage.
• Commercial Property Coverage for commercial buildings, equipment, and inventory against physical loss or damage.
• Commercial Umbrella Excess liability coverage that extends beyond primary commercial policy limits.
• Condo Insurance Coverage for condominium owners protecting personal property and interior elements.
• Construction Insurance Specialized coverage for contractors and construction businesses including builder's risk.
• Earthquake Insurance Separate disaster coverage for earthquake damage not included in standard policies.
• Flood Insurance Coverage for flood damage, separate from standard homeowner policies.
• Group Benefits Employee benefit programs including health, dental, and vision coverage for businesses.
• Homeowners Association Insurance Coverage for HOA common areas, buildings, and liability exposure.
• Landlord Insurance Property protection for rental properties covering dwelling and liability.
• Off-Road Vehicle Insurance Coverage for ATVs, dirt bikes, and other off-road vehicles.
• Professional Liability (Errors & Omissions) E&O coverage protecting professionals against negligence claims and mistakes.
• Renters Insurance Coverage for tenant personal belongings and liability in rental properties.
• Restaurant Insurance Comprehensive coverage for restaurants including property, liability, and liquor liability.
• RV Insurance Coverage for recreational vehicles including motorhomes and travel trailers.
• Technology Insurance Specialized coverage for technology companies including E&O and cyber risks.
• Umbrella Insurance Extra liability coverage extending beyond auto and homeowner policy limits.
• Apartment Building Insurance Coverage for multi-family residential properties including liability and property protection.
• Building Owner's Insurance Property coverage for commercial building owners protecting against physical loss.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Insurance Carrier PartnerscoreChannel Partner/ Reseller/ DistributorAll Spectrum Insurance Brokers works with multiple quality, reliable insurance companies to provide coverage options for personal and business insurance needs. As an independent agency, they have established relationships with various insurance carriers to offer competitive rates and diverse product options to their customers.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Direct peers

• Insurance Office of America (IOA): Large independent insurance agency offering personal, commercial, and employee benefits with multi-state licensing. Closely comparable to All Spectrum in business model and product breadth, but operating at meaningfully larger scale.
• Leavitt Group: Network of independent insurance agencies offering personal, commercial, and benefits across the Western US. Closely comparable to All Spectrum as a multi-state independent agency with similar product breadth and a consultative sales approach.
• Heffernan Insurance Brokers: California-based independent insurance brokerage serving commercial and personal lines clients across multiple states. Closely comparable to All Spectrum in business model, multi-state footprint, and product portfolio including specialty commercial lines.

Broad incumbents

• Hub International: Major North American insurance brokerage serving commercial, personal, and employee benefits clients. Comparable in being an independent broker model with multi-state presence and a similar product breadth; competes for the same commercial specialty business.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with strong US commercial and personal lines presence. Comparable in product breadth and the role of independent brokerage; serves as a benchmark for the trajectory a multi-product independent agency could take if it scales through acquisition or organic growth.
• Acrisure: Rapidly growing insurance brokerage that has rolled up many independent agencies across the US. Comparable in that it sells through the independent agency channel All Spectrum operates in; competes for commercial specialty and personal lines clients and represents a potential strategic acquirer of multi-state independents.
• Brown & Brown Insurance: Large publicly traded insurance brokerage offering personal and commercial lines across the US. Operates as an aggregator of independent agencies — directly comparable business model to All Spectrum but at massive scale; relevant as the natural acquirer-type or ultimate competitor profile for a multi-state independent agency.

Regional players

• Woodruff-Sawyer & Co. West Coast-focused independent insurance brokerage offering commercial and personal lines. Comparable in being an independent broker serving California businesses and individuals with a consultative sales approach, though concentrated on the Bay Area commercial market.

Emerging players

• Policygenius: Digital insurance marketplace aggregating life, home, auto, and disability coverage from multiple carriers. Comparable as an alternative distribution channel that competes with independent agencies for the same personal lines customers, especially digitally-savvy buyers in All Spectrum's footprint.
• CoverHound (now Zywave commercial) / CyberPolicy: Online commercial insurance comparison platform aggregating quotes from multiple carriers. Comparable as an emerging alternative to traditional independent agencies for small commercial buyers, representing a structural threat to the personal-attention agency model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

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 All Spectrum Insurance Brokers Inc