Ryan And Ryan Insurance Brokers

What Ryan And Ryan Insurance Brokers does

Ryan & Ryan Insurance Brokers, Inc. is a privately held, family-owned independent insurance brokerage founded on December 1, 1958, headquartered in Kingston, New York, and currently led by President Bob Ryan Jr. The firm distributes personal, commercial, and specialty insurance products through appointments with 20+ carriers including Erie Insurance, Chubb, Progressive, MVP Healthcare, and Aflac, earning transaction commissions on placed business. Its six core product lines are homeowners, auto, health, business, life, and farm/ranch insurance, with a notable specialty in agricultural coverage for Hudson Valley farms.

The firm's operational technology stack is composed of standard independent-brokerage platforms: Applied Systems for policy lifecycle management, IVANS Exchange for carrier connectivity, Zywave for employee benefits analytics, the Ease platform for online health enrollment (targeting businesses of 2-250 employees), and Human Interest for integrated 401(k)/403(b) offerings. There are no proprietary software products, patents, or AI-driven systems; the model relies on experienced licensed brokers (approximately 10 of the ~15 staff hold licenses) and direct customer relationships rather than automated distribution.

Ryan & Ryan serves individuals, families, small-to-mid-size businesses, and farm operations across six New York counties (Ulster, Dutchess, Greene, Columbia, Sullivan, and Orange). Pricing is commission-based and varies by carrier underwriting, with multi-policy bundling discounts available; the firm provides no-cost, no-obligation policy reviews. Go-to-market is relationship-led: in-person appointments at the Kingston office, phone support during business hours, community event sponsorship (37 years presenting the Shamrock Run, support of 53+ charities), referral networks, and a website/email newsletter funnel. The firm has executed one disclosed bolt-on acquisition (Reis Turck Agency, January 2011) and relocated its headquarters in October 2025 amid stated industry growth.

Name

Ryan And Ryan Insurance Brokers

Legal name

Ryan and Ryan Insurance Brokers, Inc.

Website

https://ryanandryaninsurance.com

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

11–50 employees

Short description

Ryan & Ryan Insurance Brokers is a privately held, family-owned independent insurance agency founded in 1958 and headquartered in Kingston, NY, placing personal, commercial, life, health, and farm insurance through 20+ carrier relationships for individuals, small businesses, and agricultural operations across six Hudson Valley counties.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Commercial Lines Insurance Brokerage (FSAEADAB), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance brokerage
• Personal insurance products
• Commercial business insurance
• Farm and ranch insurance
• Employee benefits brokerage

Headquarters

HQ city

Kingston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: Ryan & Ryan Insurance Brokers earns commissions from multiple insurance carriers for placing business. As an independent broker, they represent multiple insurance companies and earn commissions when customers purchase policies through them.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Ryan and Ryan Insurance Brokers is an independent insurance agency that places personal and commercial insurance policies on behalf of customers by comparing offerings from more than 20 represented insurance carriers. The firm sells six core product lines—homeowners, auto, health (group and individual), business/commercial, life, and farm/ranch insurance—through licensed broker-led consultation at its Kingston, NY headquarters, supported by third-party platforms for policy management, carrier connectivity, employee benefits administration, and 401(k) integration. Revenue is earned via carrier commissions on placed policies rather than fees paid directly by customers for the brokerage service.

Product overview

Ryan & Ryan Insurance Brokers is an independent insurance brokerage firm offering a comprehensive portfolio of six core insurance products: Homeowners Insurance (featuring Erie's HomeProtector policies), Auto Insurance, Health Insurance (including group and individual employee benefits), Business Insurance (with special commercial lines including contractors programs and E&O liability), Life Insurance (term and permanent), and Farm Insurance (covering agricultural operations and specialty coverage for farms and ranches). The firm serves the Hudson Valley region including Ulster, Dutchess, Greene, Columbia, Sullivan, and Orange Counties in New York.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Comprehensive homeowner insurance policies placed through Erie Insurance's HomeProtector program, covering dwelling, personal property, liability protection, loss of use, and medical payments, tailored to individual needs and budget for homeowners in the Hudson Valley.
• Auto Insurance Vehicle insurance coverage placed across multiple carriers, including liability, collision, and comprehensive coverage with discounts for multi-policy bundling, good drivers, driver training, and safety equipment, for individual drivers in the Hudson Valley.
• Health Insurance and Employee Benefits Employee benefits brokerage placing group and individual health, dental, and vision plans, plus Medicare, COBRA, FMLA/ERISA & ACA compliance support and 401(k) services through Human Interest, for employers and individuals in the Hudson Valley.
• Business Insurance Commercial insurance placement for small and mid-size businesses including group health and life, workers compensation, NYS disability, commercial property, liability, commercial vehicle, special lines such as Business Auto, Contractors Program, E&O Liability, and commercial bonds.
• Life Insurance Term and permanent life insurance products covering temporary needs such as home mortgages and short-term debt, and permanent needs including final expenses, estate taxes, and retirement savings protection, placed for individuals and families.
• Farm Insurance Farm and ranch insurance covering personal dwellings, farm equipment, silos, barns, stables, animal care, recreational vehicles, and specialized agricultural coverage including dairy cattle, equine, farm pollution liability, and farm earnings for Hudson Valley agricultural operators.

Quantifiable outcome

• Over 100 five-star Google reviews from satisfied customers

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Erie InsurancecoreChannel Partner/ Reseller/ DistributorPrimary insurance carrier partner offering home, auto, and business insurance. Featured partner with HomeProtector policies.
• Applied SystemscoreTechnology or IntegrationTechnology platform that automates information and data exchange throughout the insurance lifecycle.
• IVANS ExchangecoreTechnology or IntegrationOnline tools for more productive and efficient business operations connecting agents, carriers, and insureds.
• ZywavecoreTechnology or IntegrationSoftware solutions for Employee Benefits, Personal Insurance, and Property and Casualty Insurance.
• EasecoreTechnology or IntegrationPlatform enabling health insurance brokers to move enrollment online for businesses from 2-250 employees.
• Kingston Uptown Business Association (KUBA)coreGTM or Marketing PartnerNon-profit organization promoting Uptown Kingston as a viable place to visit, work and live. Ryan & Ryan sponsors KUBA events.
• Ulster County Regional Chamber of CommercecoreGTM or Marketing PartnerLargest business-advocacy organization in Ulster County. Ryan & Ryan participates in events and mixers.
• Professional Insurance Agents of NY (PIA)minorGTM or Marketing PartnerAssociation providing critical information, education, networking opportunities and business tools for insurance professionals in NY, NJ, CT, NH, and VT.
• Rondout Valley Growers AssociationminorGTM or Marketing PartnerNon-profit community organization of local farmers, residents, and businesses strengthening family farms. Ryan & Ryan sponsors annual Harvest Hoedown.

Scale indicators5 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• Marshall & Sterling Insurance: Independent, family-owned insurance agency headquartered in Poughkeepsie, NY, serving the Hudson Valley with personal, commercial, and agribusiness insurance. Highly comparable in geography, ownership model, product mix, and multi-carrier independent structure.
• Tompkins Insurance Agencies: Upstate New York independent insurance agency offering personal, commercial, life, and employee benefits across multiple counties. Closely mirrors Ryan & Ryan's independent broker model, multi-line offerings, and community-rooted positioning.
• Haylor, Freyer & Coon: New York-based independent insurance and risk management agency serving individuals and businesses across personal and commercial lines. Comparable as a regional independent broker with a similar multi-carrier distribution model.
• LeClair Group Insurance: Regional independent insurance agency in the Northeast offering personal, commercial, and benefits brokerage. Comparable scale, structure, and product breadth to Ryan & Ryan.

Broad incumbents

• Erie Insurance: Regional P&C insurance carrier named as Ryan & Ryan's primary carrier partner. Provides the HomeProtector policies featured in Ryan & Ryan's offerings and represents the largest single underwriting relationship, making it a critical upstream counterparty rather than a direct competitor.
• Brown & Brown, Inc. National insurance brokerage and risk management firm with extensive personal and commercial lines offerings. Represents the scaled, multi-state version of the independent broker model Ryan & Ryan operates at regional scale.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm. Relevant as the large-scale incumbent operating in the same lines of business Ryan & Ryan serves, with acquisition appetite for sub-scale agencies.
• Marsh McLennan: Global professional services firm in risk, insurance, and consulting. Relevant as a top-tier incumbent broker whose commercial and personal lines businesses compete for the same household and SMB insurance buyers.
• Acrisure: Fast-growing insurance brokerage roll-up with personal, commercial, and specialty capabilities. Relevant as both a competitor and a potential acquirer of small independent agencies like Ryan & Ryan.
• The Hilb Group: National insurance and employee benefits brokerage aggregating regional agencies. Comparable product mix and SMB/mid-market orientation, and a possible roll-up consolidator for Hudson Valley books of business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ryaninsure
• Facebookfacebook.com/RyanRyanInsurance
• LinkedInlinkedin.com/company/ryan-&-ryan-insurance-brokers-inc-

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Ryan And Ryan Insurance Brokers