O'Connor Insurance

What O'Connor Insurance does

O'Connor Insurance Agency is a 100% independent, family-owned insurance brokerage founded in St. Louis, Missouri on June 2, 1975 by Robert D. O'Connor and now led by his daughter Karen O'Connor Corrigan as President and Owner. The agency operates as a marketplace aggregator for insurance products, shopping multiple carriers on behalf of clients to optimize combinations of cost and coverage across roughly 10 carrier partnerships including Auto-Owners, Cincinnati, CHUBB, Progressive, Travelers, Zurich, Anthem, Hagerty, Hartford, and FirstComp.

Its product portfolio is split across personal lines (auto, homeowners, life, umbrella, flood, boat, condo, motorcycle, RV, renters) and commercial lines (Business Owners Packages, general liability, workers compensation, commercial auto, commercial umbrella to $10M, professional liability, cyber liability, contractors, community association, and group benefits). Core technology consists of a website-driven online quote request system and a third-party integration with iCerts.com for self-service Evidence of Insurance (EOI) certificate delivery to property owners and lenders.

The revenue model is commission-based: as an independent agent, O'Connor earns carrier commissions on policies placed, with annual billing cadences and bundling discounts (e.g., auto + umbrella + renters). Go-to-market is sales-led through phone, office visits (12101 Olive Blvd., St. Louis), online quote requests, and a formal referral program with gift card incentives. The agency holds active insurance licenses in five states — Missouri, Florida, Illinois, Kansas, and Virginia — while operating from a single physical office, indicating a remote/distributed service model. No external funding, M&A activity, or institutional investment is disclosed; the business remains under family ownership.

Name

O'Connor Insurance

Legal name

O'Connor Insurance Agency

Website

https://oconnor-ins.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

11–50 employees

Short description

O'Connor Insurance is a family-owned, 100% independent insurance agency founded in 1975 in St. Louis, Missouri. It shops multiple carriers to place personal, commercial, and community association insurance for individuals and businesses across five licensed states.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industries

Professional Liability (Errors & Omissions) (FSAJADAB), Directors & Officers (D&O) Liability (FSAJADAF)

Keywords

• Independent insurance agency
• Personal insurance
• Commercial insurance
• Community association insurance
• Umbrella insurance

Headquarters

HQ city

Saint Louis

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, O'Connor Insurance earns commissions from insurance carriers for policies placed. The agency shops multiple carriers on behalf of clients to find optimal cost and coverage combinations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

O'Connor Insurance is a 100% independent insurance agency founded in 1975 that places personal and commercial insurance policies on behalf of clients by shopping multiple carriers to find optimal combinations of cost and coverage. The agency offers personal lines (auto, homeowners, life, umbrella, flood, boat, condo, motorcycle, RV, renters) and commercial lines (BOP, general liability, workers compensation, commercial auto, commercial umbrella, professional liability, cyber liability, contractors, community association, group benefits) across Missouri, Florida, Illinois, Kansas, and Virginia.

Product overview

O'Connor Insurance is a 100% independent insurance agency founded in 1975, located in St. Louis, Missouri. The company operates as a marketplace aggregator, shopping multiple insurance carriers to find optimal combinations of cost and coverage for clients. Their product portfolio consists of two main categories: Personal Insurance products (including Auto, Homeowners, Life, Umbrella, Flood, Boat, Condo, Motorcycle, RV, and Renters coverage) and Commercial Insurance products (including Business/Commercial, General Liability, Workers Compensation, Commercial Auto, Commercial Umbrella, Professional Liability, Cyber Liability, Contractors, Community Association, and Group Benefits coverage). The agency also provides ancillary services including certificate of insurance management via iCerts.com, quote requests, claims reporting, and billing management. They are licensed in Missouri, Florida, Illinois, Kansas, and Virginia, representing multiple insurance carriers including Anthem, Auto-Owners, Cincinnati, Hagerty, Progressive, CHUBB, Hartford, Travelers, and others.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Vehicle coverage protecting against accidents, collision, comprehensive damage, liability, and uninsured/underinsured motorists, including standard auto and collector car insurance options. For individuals and families.
• Homeowners Insurance Coverage for the structure, personal property, liability, and living expenses if the home becomes uninhabitable due to covered losses such as fire, theft, or natural disasters. For homeowners.
• Life Insurance Financial protection for dependents covering term life and whole life options to help families maintain lifestyle and cover expenses after death. For individuals and families.
• Personal Umbrella Insurance

Quantifiable outcome

• Routinely saves clients hundreds or thousands of dollars compared to major TV-advertised insurance companies

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Eleven partnerships are on record, tiered core, supporting and minor.

• Anthem InsurancecoreOthersAnthem billing and account management through their online portal. Health insurance carrier partner.
• Auto-Owners InsurancecoreOthersAuto-Owners Insurance for billing, account management, claims reporting (888-252-4626) and payments (800-288-8740). Property and casualty insurance carrier.
• Cincinnati InsurancecoreOthersCincinnati Insurance for billing, account management, claims (877-242-2544) and payments (888-242-0888). Commercial and personal insurance carrier.
• FirstComp InsurancecoreOthersFirstComp Insurance for workers compensation coverage. Billing, claims (888-500-3344) and payments (888-500-3344).
• Hagerty InsurancecoreOthersHagerty Insurance for classic car and collector vehicle coverage. Claims (800-385-0274) and payments (800-922-4050).
• Progressive InsurancecoreOthersProgressive Insurance for auto coverage. Claims (800-274-4499) and payments (800-888-7764).
• CHUBB InsurancecoreOthersCHUBB Insurance for high-value property and casualty coverage. Claims (800-252-4670) and payments (800-682-4822).
• Travelers InsurancecoreOthersTravelers Insurance for commercial and personal lines. Claims (800-252-4633) and payments (877-878-2468).
• Zurich InsurancecoreOthersZurich Insurance for commercial coverage. Claims (800-987-3373) and payments (800-987-3373).
• iCerts.comsupportingTechnology or IntegrationSelf-service certificate delivery platform for Evidence of Insurance (EOI) certificate orders. Property owners and lenders use this platform for annual renewal certificates and new loan certificates.
• University of Missouri Trulaske College of BusinessminorStrategic or Co-development PartnerO'Connor Insurance sponsors a $1,500 renewable scholarship annually for undergraduates studying Insurance and Risk Management. Invests in developing future insurance professionals.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Goosehead Insurance: Public independent personal-lines agency franchise that shops multiple carriers on behalf of clients. Highly comparable to O'Connor's independent multi-carrier model, though Goosehead is far larger and more tech-enabled, serving as a scaled benchmark for the agency model.
• Brightway Insurance: Franchise-based independent insurance agency distributing personal lines through multiple carriers. Comparable in the independent multi-carrier agency model and reliance on commission revenue, with broader geographic reach than O'Connor.
• The Hilb Group: Mid-Atlantic/Midwest-focused insurance brokerage with strong personal and commercial lines focus. Closely comparable in size, regional geographic posture, and multi-line agency offering, often acquiring family-owned agencies in adjacent states.

Broad incumbents

• AssuredPartners: Large PE-backed national insurance brokerage aggregating regional agencies, including personal and commercial lines. Comparable in offering the same multi-carrier, multi-line distribution but at materially greater scale, with active M&A in this space.
• Brown & Brown: Public national insurance brokerage providing personal, commercial, and specialty lines through independent agency-style distribution. A scaled, public-market comparable for O'Connor's multi-line agency model.
• Hub International: Large PE-backed insurance brokerage offering personal, commercial, and specialty coverage across North America. Highly comparable multi-carrier agency model and active acquirer of regional independents like O'Connor.
• Marsh McLennan Agency: National agency arm of Marsh McLennan delivering commercial and personal insurance through a multi-carrier model. Comparable in product breadth and carrier-agnostic placement, with much greater resources and middle-market focus.

Regional players

• Insurica Insurance Group: Mid-sized independent insurance agency with a similar multi-state, personal-and-commercial product mix. Directly comparable in operating model and target client segments, though it does not overlap O'Connor's core St. Louis market.

Others

• Community Association Institute (CAI): National trade association for HOA and community association professionals. Not a competitor, but a key ecosystem partner and source of referrals for O'Connor's specialized community association insurance practice.
• Progressive Insurance: One of O'Connor's carrier partners and a direct-to-consumer competitor in personal auto. Relevant as both a distribution channel (carrier appointment) and a structural threat to independent agency economics in personal lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pg/OConnorInsuranceSTL/reviews
• Xx.com/OConnor_Ins

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 O'Connor Insurance