MBA Insurance Agency of Arizona

What MBA Insurance Agency of Arizona does

MBA Insurance Agency of Arizona is a specialty commercial insurance program administrator focused exclusively on the vehicle rental industry. Founded in 1978 by Bert Alanko and acquired by Brown & Brown, Inc. (NYSE: BRO) in 2015, MBA operates as a division of Brown & Brown Dealer Services, LLC. The company underwrites and administers commercial vehicle rental insurance across three core program verticals: RV Rental Insurance (motorhomes, travel trailers, toy haulers, fifth wheels, pop-ups, utility trailers), Powersports Rental Insurance (motorcycles, reverse trikes, ATVs/UTVs, scooters, low-speed vehicles, golf carts), and Overland Rental Insurance (Jeeps, trucks, SUVs, vans). Coverage extends to all 50 U.S. states, with renter addendum products distributed in Canada and Puerto Rico (excluding Mexico), through carrier partners rated A+ by A.M. Best.

MBA's revenue model combines subscription-style monthly fleet premiums paid by rental operators with usage-based daily renter addendum products (Supplemental Liability Insurance up to $500,000; Personal Accident Insurance; Personal Effects Insurance) purchased online by renters through MBA's 24/7 self-service portal. Ancillary revenue streams are small but visible: warning label sticker packs at $9.95 per set, an RV Rental Operations Manual at $199 (currently listed as sold out), and the annual MBA Rental Sessions conference at $1,299 per attendee. The product portfolio is reinforced by an ecosystem of supporting assets including a state-specific rental contracts library maintained via a specialized vehicle rental law firm, VAS-powered 24/7 roadside assistance available across the U.S. and Canada, partnerships with National General for personal RV coverage and Embrace for pet insurance, and active trade-association involvement as a founding member of the RVRA and member of RVDA and RVIA.

The company serves a customer base of thousands of small to mid-sized rental businesses operating fleets ranging from a single vehicle to large operations, plus individual owners who rent personal RVs through peer-to-peer platforms. Distribution combines a direct-to-consumer automated online quoting platform, inside-sales support by phone, on-site presence at the RVDA Expo/Convention, and the proprietary MBA Rental Sessions educational event. Technology stack is a straightforward web-based insurance platform handling quoting, policy management, payments (credit card, EFT, phone, mail), and online claims filing with assigned-adjuster status tracking. No AI/ML capabilities, third-party software integrations beyond specified underwriting and roadside partners, or public mobile application are disclosed in the source material.

Name

MBA Insurance Agency of Arizona

Legal name

MBA Insurance, a Division of Brown & Brown Dealer Services, LLC

Website

https://mbainsurance.net

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

1–10 employees

Short description

MBA Insurance Agency of Arizona is a specialty commercial insurance program administrator insuring thousands of RV, powersports, and overland rental businesses across the U.S. with A+-rated carrier partnerships, operating as a division of Brown & Brown Dealer Services since the 2015 acquisition.

Ownership category

akta.pro rank

Product category

Commercial Vehicle Rental Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Commercial rental insurance
• RV rental insurance
• Powersports rental insurance
• Overland vehicle insurance
• Daily renter coverage

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Fleet Premiums: Rental operators pay a monthly premium for each vehicle insured on the policy. Coverage is placed with A+ rated insurance carrier partners.
2. Daily Insurance Addendum (Renter Coverage): Renters purchase daily insurance protection online to extend coverage during their rental period. Additional coverage options (SLI, Personal Accident Insurance, Personal Effects Insurance) available for purchase by renters.
3. Warning Labels: Sale of warning label sticker packs for rental vehicles at $9.95 per set.
4. RV Rental Operations Manual: Sale of comprehensive 140+ page manual covering RV rental operations, pricing, marketing, forms, and best practices at promotional price of $199.00.
5. Rental Sessions Conference: Educational event registration at $1,299.00 per person for November 10-12, 2025 in Las Vegas, including access to RV Dealers Expo/Convention.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

MBA Insurance Agency of Arizona is a commercial vehicle rental insurance program administrator offering specialized insurance programs for RV, powersports, and overland rental fleets. The company places coverage with A+ rated carrier partners for rental operators on a monthly premium basis, and also sells supplemental daily insurance addendums to renters of MBA-insured operators.

Product overview

MBA Insurance Agency of Arizona is a commercial vehicle rental insurance program administrator offering a comprehensive suite of rental insurance products for the recreational vehicle and powersports rental industry. The portfolio is organized into three core insurance programs: RV Rental Insurance (covering motorhomes and trailers), Powersports Rental Insurance (covering motorcycles, reverse trikes, ATVs, scooters, LSVs, and golf carts), and Overland Rental Insurance (covering Jeeps, trucks, SUVs, and vans). Beyond commercial coverage for rental operators, MBA provides supplemental insurance products for renters including Supplemental Liability Insurance (SLI) and Roadside Assistance Protection. The company also offers ancillary services including an RV Rental Operations Manual, Legal Assistance with rental forms, Warning Labels, and MBA Rental Sessions educational events. All core rental insurance programs follow a monthly premium model where operators pay for coverage and extend protection to renters through daily insurance add-ons. MBA positions itself as the nation's leading provider of commercial vehicle rental insurance, having served the industry since 1978 and being acquired by Brown & Brown in 2015.

Differentiator

Problem solved

Functional benefit

Products and services

• Motorhome Rental Insurance Commercial rental insurance program for motorhome fleets covering physical damage, liability, and optional coverage add-ons. Rental operators pay monthly premiums and can extend coverage to renters through daily insurance add-ons.
• Trailer Rental Insurance Insurance coverage for RV trailers including travel trailers, toy haulers, fifth wheels, and pop-up trailers. Covers physical damage with options for utility trailer programs.
• Utility Trailer Rental Insurance Insurance for utility trailers including enclosed, dump, and flatbed trailers used for hauling powersports, work supplies, or livestock.
• Motorcycle Rental Insurance Rental insurance for motorcycles including touring, sports, classic, dirt bikes, and dual sports. Covers physical damage and offers medical payments coverage options.
• Reverse Trike Rental Insurance Insurance for reverse trikes and autocycles. Requires minimum fleet size of three and covers physical damage for the motorcycle.
• ATV Rental Insurance Insurance coverage for all-terrain vehicles (ATVs) and utility task vehicles (UTVs) with physical damage protection.
• Low-Speed Vehicle Rental Insurance Insurance for low-speed vehicles (LSVs) and golf carts covering physical damage to the vehicle during rental operations.
• Scooter Rental Insurance Insurance for scooters, mopeds, scooter cubs, and scooter trikes with minimum fleet requirement of three units.
• Golf Cart Rental Insurance Insurance coverage for golf carts providing physical damage protection for rental operations.
• Jeep Rental Insurance Overland rental insurance for Jeeps outfitted with camping gear or accompanying trailers. Part of the Overland Rental Insurance Program.
• Truck Rental Insurance Overland rental insurance for trucks and truck campers with camping gear or accompanying trailers. Covers physical damage, liability, and uninsured motorist coverage.
• SUV Rental Insurance Overland rental insurance for SUVs outfitted with camping gear or accompanying trailers. Provides liability and physical damage coverage.
• Van Rental Insurance Overland rental insurance for vans designed for overlanding experiences. Covers liability, physical damage, and uninsured/underinsured motorist coverage.
• Supplemental Liability Insurance (SLI) Excess liability insurance protecting renters and authorized drivers against third-party bodily injury and property damage claims. Provides up to $500,000 aggregate coverage for private passenger vehicles.
• Roadside Assistance Protection Emergency roadside assistance for RV renters including towing, tire assistance, fuel delivery, locksmith services, and mobile mechanic dispatch available 24/7.
• RV Personal Insurance Personal RV, motorcycle, and auto insurance offered through National General Insurance partnership for non-commercial vehicle owners including those listing on peer-to-peer platforms.
• RV Rental Operations Manual Comprehensive 140+ page guide covering RV rental business operations, rental forms, pricing strategies, and best practices from experienced operators. Sold at $199.00 promotional price.
• Warning Labels Assorted warning label sticker packs for rental vehicles including safety tips, no smoking signs, awning warnings, and tire pressure reminders. Sold as $9.95 per 4-page set with 53 stickers.
• MBA Rental Sessions Annual educational event in Las Vegas providing RV rental business training, industry networking, and best practices for rental operators. Registration at $1,299 per person, includes access to RV Dealers Expo/Convention.

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

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

• A.M. Best A+ Rated Insurance CarrierscoreOthersMBA Insurance places coverage with carrier partners rated A+ by A.M. Best for financial stability that rental operators can trust. These partners insure thousands of rental businesses nationwide.
• National General InsurancemajorStrategic or Co-development PartnerThrough partnered National General Insurance companies, MBA offers personal RV coverage for owners who want to list their vehicles on peer-to-peer rental platforms. Provides security, flexibility, and affordability for personal RV, motorcycle, or auto insurance.
• Auto Rental Insurance Group PCSmajorTechnology or IntegrationUnderwriting partner for Supplemental Liability Insurance (SLI), Personal Accident Insurance, and Personal Effects Insurance products. Coverage underwritten with Auto Rental Insurance Group PCS. Contact: ARIG, P.O. Box 222, Waldwick, NJ 07463.
• Vehicle Administrative Services, Ltd. (VAS)majorTechnology or IntegrationProvider of RentSafe RV Roadside Assistance Benefits. VAS is located at 5001 Spring Valley Road, Suite 350W, Dallas, Texas 75244. Provides 24/7 emergency roadside assistance throughout the US and Canada.
• Nationally Recognized Vehicle Rental Law FirmcoreImplementation/ SI/ Consulting PartnerMBA retains a nationally recognized law firm specializing in vehicle rental law. Through this relationship, MBA provides state and program-specific rental contracts and legal assistance forms for rental operators.
• Recreation Vehicle Rental Association (RVRA)coreOthersMBA Insurance is a founding member of the Recreation Vehicle Rental Association (RVRA), the national association dedicated to advancing RV rental operator interests.
• Recreation Vehicle Dealers Association (RVDA)majorOthersMBA Insurance is a member of the Recreation Vehicle Dealers Association (RVDA), the only national association dedicated to advancing the RV retailer's best interests.
• Recreation Vehicle Industry Association (RVIA)minorOthersMBA Insurance is an associate member of the Recreation Vehicle Industry Association, the national trade association representing RV manufacturers.
• Go RVing CampaignminorOthersMBA Insurance is a contributor to the Go RVing campaign, promoting RV travel and camping.
• RV Education 101minorOthersIndustry partner offering video guides to professional driving and towing techniques for beginners and experienced drivers. MBA provides referral links to this resource for renter education.
• Mintzer Sarowitz Zeris Ledva & Meyers, LLPminorImplementation/ SI/ Consulting PartnerLaw firm for service of legal papers and notices for Auto Rental Insurance Group PCS. Located at 2070 Springdale Road Suite 400, Cherry Hill, NJ 08003.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Foremost Insurance Group: Specialty insurer focused on recreational vehicles, mobile homes, and specialty vehicles. Directly competes with MBA in the commercial RV and powersports rental insurance niche with similar specialty focus and product structure.
• Good Sam Insurance Agency: RV specialty insurance agency serving Good Sam Club members. Competes with MBA in the recreational vehicle insurance space, particularly for individual owners and rental operators seeking RV-focused coverage.
• Voyager Worldwide (Voyager RV Insurance): Specialty RV insurance provider with focus on rental operators and individual RV owners. Directly competes with MBA in the recreational vehicle rental insurance niche.

Broad incumbents

• National General Insurance (Allstate brand): Now operating under Allstate, National General is both a partner (provides personal RV coverage through MBA's platform) and a competitor in specialty RV and auto insurance. Large diversified carrier with overlapping recreational vehicle and rental-adjacent products.
• Progressive Commercial: Major commercial auto insurer offering fleet and commercial vehicle coverage. Competes with MBA for commercial rental fleet business with broader scale but less rental-specific specialization.
• Berkshire Hathaway GUARD Insurance: Commercial auto and fleet insurance carrier within Berkshire Hathaway. Provides fleet coverage overlapping with MBA's core programs, with comparable customer base of small-to-mid commercial operators.
• Markel Corporation: Specialty insurer with significant presence in commercial auto, powersports, and recreational vehicle lines. Operates in adjacent specialty segments with similar niche focus and carrier-style underwriting model.
• RLI Corp: Specialty insurance company offering niche commercial auto and specialty vehicle coverage. Targets similar small commercial accounts and specialty vehicle categories with comparable underwriting expertise.

Emerging players

• Outdoorsy: Peer-to-peer RV and outdoor vehicle rental marketplace that includes its own integrated insurance product for individual owners renting out personal RVs. Represents both a partner opportunity for MBA (via owner coverage) and a structural threat to fleet-operator-led models.
• RVshare: Leading peer-to-peer RV rental marketplace with integrated insurance offerings for individual RV owners. Adjacent to MBA's traditional fleet-operator customer base and an emerging distribution channel for personal RV coverage products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/mbainsurance
• LinkedInlinkedin.com/company/mbainsurance
• Xx.com/mbainsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 MBA Insurance Agency of Arizona