Capitol Benefits

What Capitol Benefits does

Capitol Benefits, operating as Capitol Benefits LLC since its 2007 founding in Gaithersburg, Maryland, is an independent insurance agency organized into three service divisions: Employee Benefits, Commercial Insurance, and Personal Insurance. The Employee Benefits division serves employers of 25 or more employees with group health, dental, vision, life, disability, voluntary benefits, compliance management, and benefits strategy advisory. The Commercial Insurance division advises growing businesses on general liability, commercial property, workers compensation, commercial auto, cyber liability, professional liability, EPLI, and business income coverage. The Personal Insurance division provides auto, home, condo, renters, umbrella, motorcycle, boat, life, disability, and long-term care coverage to individuals and families. The firm serves more than 5,600 cumulative clients across 16 states and operates a named-advisor distribution model with no proprietary technology platform beyond standard industry tools such as Applied Epic for agency management and a dedicated client portal.

The firm generates revenue through insurance brokerage commissions paid by carriers on placed and renewed policies across all three divisions, with no direct advisory fee charged to clients. Its pricing is quote-based and individualized, with monthly billing cadence on personal lines policies. The go-to-market motion is sales-led: direct advisor outreach supported by phone, email, online quote forms, content marketing via an active blog, SEO targeting the DC/Maryland/Virginia market, an SHRM-accredited webinar library, and productized SHRM-accredited Culture Tours that double as a demand-generation channel. Distribution is exclusively direct — no marketplace, reseller, or e-commerce channels — with the firm emphasizing named human advisors over queue-based or automated routing.

Strategic posture is one of independent operation: founder Joshua Lavine remains CEO, Jacqueline Jenkins serves as COO, and the firm has refused acquisition by national brokerages that have absorbed comparable DC-metro competitors. The firm supplements its core brokerage capabilities through partnerships with Rippling (benefits administration integration), Gallagher (enterprise account capacity), and Sun Life (Health Navigator care-navigation tooling). It has earned Inc. Best Workplaces recognition in 2025 and 2026, Washington Business Journal Best Places to Work in 2026, Inc. 5000 Fastest-Growing Companies in 2026, and maintains a 5-star average across 610+ Google reviews. Revenue figures are not publicly disclosed, and the firm has no parent company, institutional investors, or funding rounds on record.

Name

Capitol Benefits

Legal name

Capitol Benefits LLC

Website

https://capitolbenefits.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Capitol Benefits is an independent insurance agency founded in 2007 in Gaithersburg, Maryland, providing employee benefits, commercial, and personal insurance brokerage services to 5,600+ clients across 16 states through a named-advisor, sales-led model.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Benefits Administration & Enrollment Support (BPAAAIAB)

akta.pro secondary industry

Benefits Administration (BPACAPAC)

Keywords

• Commercial insurance brokerage
• Employee benefits advisory
• Personal insurance lines
• Independent insurance agency
• Insurance brokerage services

Headquarters

HQ city

Gaithersburg

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

Revenue model

1. Insurance brokerage commissions: Capitol Benefits acts as an independent insurance agency earning commissions from insurance carriers for placing and servicing policies across personal, commercial, and employee benefits lines. Revenue is generated through commissions paid by insurance carriers on each policy placed and renewed, with no direct fee charged to clients for advisory services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Capitol Benefits is an independent insurance agency that brokers personal, commercial, and employer-sponsored employee benefits coverage across multiple insurance carriers, advising clients through named human advisors and earning carrier commissions on placed and renewed policies. The firm also offers SHRM-accredited Culture Tours as a productized workplace culture consulting experience and bundles Rippling-powered benefits administration for employer clients.

Product overview

Capitol Benefits operates as an independent insurance agency organized into three core service divisions—Employee Benefits, Commercial Insurance, and Personal Insurance—serving individuals, families, and businesses throughout the DC metro area. The agency functions as a broker offering coverage across multiple insurance carriers rather than as a proprietary insurance product provider. Employee Benefits provides advisory services for companies with 25+ employees seeking strategic benefits programs. Commercial Insurance covers business owners packages, general liability, workers compensation, cyber liability, professional liability, commercial auto, and property coverage. Personal Insurance includes auto, homeowners, renters, umbrella, and life/disability insurance. Adjacent offerings include SHRM-accredited Culture Tours for workplace culture consulting and a library of educational webinars on insurance, benefits, and compliance topics. A Rippling partnership enables automated benefits administration for employer clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Benefits Insurance and benefits advisory services for companies with 25+ employees covering group health, dental, vision, life, disability, voluntary benefits, compliance management, and benefits strategy, designed to improve retention, engagement, and executive retention.
• Commercial Insurance Business insurance advisory covering commercial package policies, business owners policies, general liability, commercial property, workers compensation, commercial auto, cyber liability, professional liability, EPLI, umbrella, and business income coverage for growing small and mid-sized businesses.
• Personal Insurance Individual and family insurance coverage including auto, homeowners, condo, renters, umbrella, motorcycle, boat, life, disability, long-term care, jewelry, yachts, and domestic staff coverage, built around named advisor relationships.
• Culture Tours SHRM-accredited workplace culture tours offered via Zoom or in-person that showcase Capitol Benefits' award-winning workplace culture to prospective clients and business peers as a productized, paid consulting experience, awarding SHRM continuing education credits.
• Benefits Administration Services (via Rippling Partnership) Streamlined benefits administration powered by the Rippling platform partnership, offering automated enrollment workflows, payroll integration, and compliance tracking for Capitol Benefits' employer clients, with Capitol Benefits as single point of contact.

Quantifiable outcome

• 610+ five-star Google reviews with an average 5.0 rating across 610+ reviews.
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• RipplingcoreStrategic or Co-development PartnerCapitol Benefits partnered with Rippling to offer integrated benefits administration to clients. The partnership provides Capitol Benefits clients with exclusive advantages including free benefits administration setup, pre-negotiated rates, and access to Rippling's most experienced account managers specializing in broker-referred clients. Capitol Benefits and Rippling collaborate directly, with Capitol Benefits serving as the single point of contact for clients using the Rippling platform.
• GallaghercoreStrategic or Co-development PartnerCapitol Benefits uses Gallagher as a partnership resource for enterprise account capacity. Gallagher's global insurance brokerage platform supplements Capitol Benefits' capabilities for larger, more complex employee benefits engagements requiring global scale or specialized coverage.
• SHRMminorOthersCapitol Benefits' Culture Tours are SHRM-accredited, providing participants with SHRM continuing education (CE) credits. SHRM accreditation validates the professional quality of the educational content delivered during Culture Tours.

Scale indicators5 records

Recent moves6 records

Expansion highlights2 records

Broad incumbents

• USI Insurance Services: Large national brokerage with strong employee benefits and middle-market commercial practice. Competes for the same 25+ employee benefits segment Capitol Benefits targets.
• Hub International: Large insurance brokerage offering personal, commercial, and benefits products with significant Mid-Atlantic presence. Comparable on service mix and middle-market commercial focus.
• Lockton: Largest independent insurance brokerage in the world, privately held, with strong employee benefits and commercial practices. Comparable as a privately held, culture-led independent competitor.
• Acrisure: PE-backed, fast-growing insurance brokerage that has acquired many regional agencies. Represents the consolidation archetype Capitol Benefits positions itself against while sharing the multi-line brokerage model.
• Brown & Brown Insurance: Large publicly traded insurance brokerage offering personal, commercial, and employee benefits lines. Compares to Capitol Benefits on service mix, though at vastly greater scale and with institutional ownership.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with strong employee benefits and commercial practices. Directly relevant because Gallagher is already Capitol Benefits' enterprise-capacity partner, occupying both partner and competitor roles.

Direct peers

• Leavitt Group: Independent, regionally focused insurance agency offering personal, commercial, and employee benefits lines. Closely comparable to Capitol Benefits on independent-ownership positioning, multi-line model, and middle-market client base.
• Hilb Group: Middle-market insurance brokerage with personal, commercial, and benefits capabilities across multiple states. Comparable on multi-line delivery and acquisition-driven growth, though more acquisitive than Capitol Benefits.

Regional players

• The Hilb Group (local DC independents): Regional independent agencies in the DC metro area serve as direct local competitors for personal and small-commercial accounts, sharing the same target geography.

Emerging players

• RPS Insurance Brokerage (Risk Placement Services): Wholesale-focused insurance distributor with specialty and commercial capabilities. Comparable as an alternative channel to which carriers and advisors may direct accounts, particularly for niche commercial risks.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/capitol-benefits-llc
• Xx.com/capitolbenefits
• Facebookfacebook.com/capitolbenefitsllc

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 Capitol Benefits