Ramey King Insurance
Ramey King Insurance is a privately held independent insurance agency based in Denton, Texas, offering personal and commercial coverage across 48 states through a panel of 80+ carriers, primarily serving Texas individuals, families, and SMBs.
- Company typePrivate
- Founded1881
- HeadquartersDenton, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Ramey King Insurance does
Ramey King Insurance is an independent insurance agency headquartered at 830 S Interstate 35E in Denton, Texas. Founded in 1881 by Oliver Perry Poe — one of Denton's early mayors — the firm has passed through successive ownership eras under the Ramey, White, King, and Minnis families and is currently operated by Jeff and James King alongside Randy Minnis. The agency is licensed to write coverage in 48 states, with primary commercial execution concentrated in Texas.
The agency sells personal lines (homeowners, auto, boat, renters, umbrella, motorcycle, ATV, flood, earthquake) and a broad commercial book spanning general liability, commercial property, commercial auto and truck, fleet, contractors, construction, restaurant, landlord, multifamily and apartment complex, Airbnb/short-term rental, carpenter, landscaping, liquor liability, D&O, EPLI, E&O, professional liability, surety bonds, and tow and box truck coverage. It carries no proprietary technology stack — operations are conducted via a website (rameyking.com) with online quote forms, direct phone sales, and email, supplemented by reciprocal referral partnerships with Texas real-estate lenders, title companies, roofing contractors, and restoration vendors.
Ramey King earns commission revenue from placing policies with its carrier panel of more than 80 insurance providers, including Mercury, MetLife, Nationwide, Safeco, Travelers, Allstate, Progressive (ASI), Chubb, Germania, Hagerty, and Kemper. The firm operates a sales-led, relationship-driven distribution model targeting North Texas individuals, families, and SMBs, with no disclosed funding, no parent company, no public financials, and a stated headcount of approximately 24 team members across commercial lines, personal lines, processing, and administrative functions.
Ramey King Insurance firmographics
Firmographics- Name
- Ramey King Insurance
- Legal name
- Ramey King Insurance Agency
- Website
- https://rameyking.com
- Company type
- Private
- Founded year
- 1881
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Ramey King Insurance is a privately held independent insurance agency based in Denton, Texas, offering personal and commercial coverage across 48 states through a panel of 80+ carriers, primarily serving Texas individuals, families, and SMBs.
- Ownership category
- akta.pro rank
Ramey King Insurance industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
- akta.pro secondary industries
- Commercial Package / Business Owners Policies (BOP) (FSAJAMAG), Commercial Property Insurance (FSAJACAE), Commercial Auto for Specialty Vehicles (Tow Trucks, Limousines, Dump Trucks, etc.) (FSAJABAG)
Keywords
Where Ramey King Insurance is headquartered
LocationHeadquarters
- HQ city
- Denton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Ramey King Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Commissions: As an independent insurance agency, Ramey King Insurance earns commissions from insurance carriers when they place policies for customers. They represent multiple carriers and compare coverages to find the best options for clients.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Ramey King Insurance product offering
Product offeringCore offering
Ramey King Insurance is an independent insurance agency headquartered in Denton, Texas that brokers personal and commercial insurance products from 80+ insurance carriers, operating under a sales-led motion through website quote requests and phone contact. The agency places coverage for homeowners, auto, recreational vehicles, and personal umbrella policies on the personal lines side, and for commercial property, commercial auto/truck/fleet, general liability, professional liability, workers compensation, contractors, restaurants, multifamily/landlord, and surety bonds on the commercial side. It is licensed in 48 states with a primary focus on the Texas market.
Product overview
Ramey King Insurance is an independent insurance agency based in Denton, Texas, offering a comprehensive portfolio of insurance products through both personal and business lines. The agency operates as a traditional insurance broker with access to 80+ insurance carriers across 48 states. The personal insurance offerings include home, auto, boat, renters, umbrella, motorcycle, ATV, flood, and earthquake coverage. The business insurance portfolio is extensive and includes specialized commercial coverages such as commercial auto/truck/fleet insurance, property and construction insurance, professional liability (including D&O, EPLI, E&O), contractors insurance, restaurant insurance, landlord/multifamily/apartment complex insurance, and niche products like Airbnb host insurance, carpenter insurance, landscaping insurance, liquor liability, and surety bonds. The agency also offers utility products like online quote requests, bill payment services, and referral programs.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowners Insurance Insurance coverage for homeowners to protect their property and belongings against damage, theft, and covered perils; for individual homeowners in Texas and other licensed states.
- Auto Insurance (Car Insurance) Auto insurance coverage for personal vehicles including liability and physical damage protection; for individual vehicle owners.
- Boat Insurance Insurance coverage for boat owners to protect watercraft against damage and liability risks.
- Motorcycle Insurance Insurance coverage for motorcycle owners against liability and physical damage risks.
- ATV Insurance Insurance coverage for all-terrain vehicles protecting against accidents and damage.
- Renters Insurance Insurance coverage for renters to protect personal belongings and liability in rented dwellings.
- Umbrella Insurance Excess liability coverage providing additional protection beyond standard policy limits for individuals and families.
- Flood Insurance Coverage for property damage caused by flooding events, available through NFIP or private market; for homeowners in flood-prone areas.
- Earthquake Insurance Coverage for property damage resulting from earthquakes, typically as a separate policy or endorsement.
- Airbnb Insurance Specialized insurance for short-term rental hosts covering dwelling, personal property, and liability during Airbnb and VRBO bookings; for individual hosts and rental property owners.
- Apartment Complex Insurance Specialized insurance for multi-unit apartment buildings and complexes including general liability, commercial property, boiler and machinery, and umbrella protection; for landlords and real estate investors.
- Box Truck Insurance Commercial vehicle insurance for straight or box trucks covering bodily injury, property damage, collision, comprehensive, cargo loss, and uninsured motorist coverage.
- Builders Risk Insurance Insurance for ongoing construction projects covering structures in progress, equipment, materials, and supplies against perils like weather, fire, vandalism, and theft; for contractors and developers.
- Cargo Van Insurance Commercial insurance for cargo vans covering comprehensive, collision, bodily injury, medical payments, property damage liability, gap, and uninsured motorist coverage.
- Carpenter Insurance Specialized insurance for carpenters covering general liability, commercial property, workers compensation, commercial auto, and professional liability.
- Commercial Auto Insurance Business vehicle insurance covering personal injury protection, bodily injury liability, comprehensive, collision, gap, property damage, and uninsured motorist coverage; for business vehicle owners.
- Commercial Property Insurance Insurance for business-owned properties covering buildings, equipment, tools, supplies, inventory, tenants betterments, and signage.
- Commercial Truck Insurance Specialized coverage for commercially registered trucks including physical damage, interchange, trailer cargo, liability, bobtail, downtime, non-trucking, and uninsured motorist coverage.
- Construction Insurance Commercial insurance for contractors covering building, inland marine, builders risk, mobile equipment, extra expense, general liability, professional liability, EPLI, and umbrella coverage.
- Contractors Insurance Package insurance for construction businesses covering general liability, commercial auto, umbrella, commercial property, inland marine, equipment, equipment breakdown, and builders risk.
- Directors and Officers (D&O) Insurance Specialized coverage for organizational leaders protecting against liability from decisions or actions, covering legal fees and settlements.
- EPLI Insurance Employment Practices Liability Insurance protecting against discrimination lawsuits from applicants, current workers, and former employees.
- Errors and Omissions (E&O) Insurance Professional liability coverage for professionals who advise clients, protecting against claims from errant advice.
- Fleet Insurance Insurance covering multiple vehicles under a single policy for businesses with commercial fleets, including liability, collision, comprehensive, uninsured motorist, and cargo coverage.
- General Liability Insurance Foundational coverage protecting against common business risks including bodily injury, premises liability, property damage, and personal/advertising injury.
- Land Insurance Vacant land insurance providing liability protection for owners of undeveloped properties against accidents on raw land.
- Landlord Insurance Rental property insurance covering buildings, landlord liability, legal assistance, loss of rental income, rent guarantee, and umbrella protection; for residential landlords.
- Landscaping Insurance Commercial insurance for landscapers covering commercial property, inland marine, general liability, E&O, product liability, pollution liability, commercial auto, and umbrella.
- Liquor Liability Insurance Specialized coverage for alcohol-related incidents including slip-and-fall accidents involving intoxicated customers, assault, DUIs, and alcohol poisoning; for restaurants and bars.
- Multifamily Insurance Specialized landlord insurance for buildings with two or more units covering commercial property, general liability, boiler and machinery, contents, backup/sewer, business income, professional liability, and umbrella.
- Professional Liability Insurance Coverage for professionals including legal malpractice, medical malpractice, E&O, and D&O insurance for those hired for knowledge or skill.
- Rental Property Insurance Investment property insurance for residential landlords covering dwelling, landlord contents, loss of income, rent guarantee, general liability, and legal assistance.
- Restaurant Insurance Specialized commercial insurance for dine-in restaurants covering general liability, liquor liability, product liability, umbrella, commercial building, tenants betterment, contents, and food contamination.
- Surety Bonds Contract bonds including bid, performance, payment, and maintenance bonds for contractors, as well as probate bonds for fiduciaries.
- Tow Truck Insurance Insurance for tow truck operators covering liability and on-hook towing protection for incident management, private property, and consent towing operations.
Quantifiable outcome
- 140 years of continuous operation as an independent insurance agency
- +1 more outcomes
Companies that use Ramey King Insurance
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Ramey King Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Ramey King Insurance partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core and minor.
- Mercury InsurancecoreInsurance carrier partner providing personal and commercial insurance products through the agency.
- MetLifecoreInsurance carrier partner providing personal and business insurance products.
- NationwidecoreInsurance carrier partner providing personal and commercial coverage options.
- Safeco InsurancecoreInsurance carrier partner providing personal insurance products.
- South WesterncoreInsurance carrier partner in the network.
- TravelerscoreInsurance carrier partner providing commercial and personal lines.
- AllstatecoreInsurance carrier partner providing personal insurance products.
- American ModerncoreInsurance carrier partner specializing in specialty insurance products.
- Progressive (ASI)coreInsurance carrier partner providing personal auto and commercial insurance.
- ChubbcoreInsurance carrier partner providing commercial and high-value personal insurance.
- EncompasscoreInsurance carrier partner providing personal insurance products.
- ForemostcoreInsurance carrier partner providing specialty insurance products.
- GermaniacoreInsurance carrier partner serving Texas market.
- HagertycoreInsurance carrier partner specializing in classic car and collector vehicle insurance.
- KempercoreInsurance carrier partner providing personal and commercial insurance.
- GreysteelminorInvestment sales and brokerage partner for commercial real estate transactions.
- Title ResourcesminorTitle company partner for real estate transactions and 1031 exchanges.
- Stanley RestorationminorProperty restoration contractor partner for claims and repairs.
- Denton Trinity RoofingminorRoofing contractor partner serving Denton, TX area for property repairs.
- Metro Roofing and ConstructionminorRoofing and construction contractor partner for property repairs and improvements.
- Texas Roof and FenceminorRoofing and fence contractor partner for property services.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Ramey King Insurance competitors and assessment
Company assessmentBroad incumbents
- Hub International: Large North American insurance brokerage offering personal, commercial, and employee benefits through carrier partnerships. Comparable in multi-carrier distribution model but operates at significantly greater scale.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm operating across all major commercial and personal lines. Compares to Ramey King as a brokerage aggregator, though vastly larger in scale, geographic footprint, and service breadth.
- Acrisure: Fast-growing insurance brokerage platform built via acquisitions of independent agencies. Compares to Ramey King as an aggregator of independent agency capacity, though Acrisure is a publicly-traded roll-up with vastly greater scale.
- Marsh McLennan: One of the largest global insurance brokerage and risk advisory firms, offering personal, commercial, and specialty lines. Comparable as a multi-carrier brokerage but operating at enterprise scale with institutional client focus.
Emerging players
- Goosehead Insurance: Tech-enabled independent insurance agency with franchise and corporate models offering personal and small commercial lines. Compares to Ramey King in independent agency distribution but contrasts sharply with proprietary digital platform and franchise model.
Direct peers
- The Horton Group: Mid-market independent insurance and risk management agency offering commercial and personal lines. Comparable in independent agency positioning and multi-carrier access, though broader in benefits and HR consulting services.
- Higginbotham: Texas-headquartered independent insurance agency offering personal and commercial lines through multiple carrier partners. Highly comparable to Ramey King in business model, geographic roots, and multi-line brokerage approach, though larger in scale.
- Heffernan Insurance Brokers: Independent insurance brokerage providing personal and commercial lines through multiple carriers. Compares closely to Ramey King in independent agency model, though Heffernan has broader California/West Coast presence.
- Brown & Riding Insurance Services: Specialty insurance brokerage focused on commercial and excess/surplus lines placement. Comparable to Ramey King's commercial specialty capabilities (e.g., restaurant, contractors, surety), though more concentrated in wholesale/specialty lines.
Regional players
- Texas Insurance Agency: Texas-focused independent insurance agency serving personal and commercial clients. Comparable to Ramey King in regional Texas market focus and independent carrier representation model, though smaller and more concentrated geographically.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Ramey King Insurance social profiles
Digital presenceRamey King Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ramey King Insurance leadership team
Management profileNumber of profiles
Profiles10 records
Ramey King Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ramey King Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ramey King Insurance
What does Ramey King Insurance do?
Ramey King Insurance is an independent insurance agency headquartered in Denton, Texas that brokers personal and commercial insurance products from 80+ insurance carriers, operating under a sales-led motion through website quote requests and phone contact. The agency places coverage for homeowners, auto, recreational vehicles, and personal umbrella policies on the personal lines side, and for commercial property, commercial auto/truck/fleet, general liability, professional liability, workers compensation, contractors, restaurants, multifamily/landlord, and surety bonds on the commercial side. It is licensed in 48 states with a primary focus on the Texas market.
Is Ramey King Insurance a public or private company?
Ramey King Insurance is a private company. It is classified as family owned and is currently operating.
When was Ramey King Insurance founded?
Ramey King Insurance was founded in 1881. It employs 11 to 50 people.
Where is Ramey King Insurance based?
Ramey King Insurance is headquartered in Denton, United States, in the North America region.
How does Ramey King Insurance make money?
One revenue line is on record: insurance Commissions.
Who are Ramey King Insurance's main competitors?
Broad incumbents on record are Hub International, Arthur J. Gallagher & Co., Acrisure and Marsh McLennan. Goosehead Insurance is listed as an emerging player. Direct peers are The Horton Group, Higginbotham, Heffernan Insurance Brokers and Brown & Riding Insurance Services. Texas Insurance Agency is listed as a regional player.
Does Ramey King Insurance have an API?
No public API is recorded for Ramey King Insurance.
What industry is Ramey King Insurance in?
Ramey King Insurance's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAJAFAB, Mid-Market Commercial Package (Package Policies), with a secondary code of FSAJAMAG, Commercial Package / Business Owners Policies (BOP). Its NAICS code is 524210 and its SIC code is 6411.