Metro Insurance Services

What Metro Insurance Services does

Metro Insurance Services is an independent insurance brokerage headquartered in Tustin, California, with Southern California roots dating to 1984. The firm operates as a licensed insurance agency (California Department of Insurance #OB95215) representing client interests across multiple carrier relationships rather than as a captive agent. Its portfolio spans core commercial lines (workers' compensation, commercial auto, general liability, errors & omissions, business owners policies, group medical, surety bonds, umbrella, key man life, D&O, EPLI, cyber liability), personal lines, and specialty products targeting hard-to-place risks and niche industries (cannabis/marijuana, hip hop events, janitorial services, manufacturing, security services, software development, print shops). The firm also offers ancillary services including alternative dispute resolution and FSA/HRA/HSA administration, supported by an ePayPolicy digital payment system.

The business operates on a commission-based revenue model, earning fees from carriers for policy placement and renewals, with no disclosed subscription or fee-for-service pricing. GTM is sales-led and relationship-driven: customers engage via toll-free phone, website quote forms, live chat, and a referral program, with broker-assisted service throughout. Marketing is anchored by an active content blog (ransomware guides, HR compliance calendars, industry-specific insurance education) and presence across Facebook, Twitter, YouTube, and LinkedIn. The technology stack is conventional — standard brokerage tools, website forms, and payment processing — with no proprietary platform or disclosed AI/ML capabilities. Customer concentration is distributed across "thousands of businesses" from entrepreneurs to multi-state franchises, with nine distinct vertical segments. Ownership rests with Teknixs Services, Inc. as the parent holding entity; no venture or private equity investment, M&A, or funding rounds have been disclosed.

Name

Metro Insurance Services

Legal name

Metro Insurance Services

Website

https://metroinsurance.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

1–10 employees

Short description

Metro Insurance Services is an independent commercial and personal insurance brokerage in Tustin, California, serving thousands of SMBs with core commercial lines and specialty coverage for hard-to-place risks including cannabis, hip hop events, and niche industries.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Fleet & Commercial Auto Liability (FSAJABAA), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Commercial Umbrella Insurance (FSAJANAB)

Keywords

• Commercial insurance brokerage
• Workers compensation insurance
• General liability insurance
• Specialty insurance coverage
• Commercial lines insurance

Headquarters

HQ city

Tustin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Metro Insurance Services generates revenue as an independent insurance broker by earning commissions from insurance carriers. They represent multiple underwriters and work to find the best coverage and rates for clients. The company also processes payments through their ePayPolicy system for down payments, renewals, and broker fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Metro Insurance Services is an independent insurance brokerage that places commercial and personal lines coverage with multiple insurance carriers on behalf of business clients. Its portfolio spans core commercial products (workers' compensation, commercial auto, general liability, E&O, BOP, group medical, surety bonds, umbrella/excess) alongside specialty industry programs (cannabis/marijuana, hip hop events, janitorial, manufacturing, security, software development, print shops), with an emphasis on hard-to-place and declined risks.

Product overview

Metro Insurance Services is an independent insurance brokerage offering a comprehensive portfolio of commercial and personal insurance products. Their core offerings include workers' compensation, commercial auto, general liability, errors & omissions, business owners policies (BOP), and group medical insurance. They specialize in hard-to-place and niche market coverages including marijuana/cannabis industry insurance (dispensaries, events, cultivation), hip hop event insurance, janitorial services, manufacturing, security services, and software development insurance. The company also provides ancillary services including alternative dispute resolution, surety bonds, umbrella policies, and employee benefits administration (FSA/HRA/HSA). Their digital service features include an ePayPolicy online payment system. Metro positions itself as a full-spectrum solutions broker offering both standard commercial lines and specialty coverages for difficult-to-insure industries.

Differentiator

Problem solved

Functional benefit

Products and services

• Workers' Compensation (Work Comp) Workers' compensation insurance covering medical costs and lost wages for employees injured on the job, including return-to-work programs and fraud mitigation, for businesses operating in California and across the US.
• Commercial Auto Vehicle insurance for businesses with company vehicles or fleets, including liability, collision, and comprehensive coverage options.
• General Liability Commercial general liability (CGL) insurance protecting businesses from bodily injury, property damage, personal injury, and advertising injury claims.
• Errors & Omissions (E&O) Professional liability insurance covering service professionals against claims of error, negligence, or omission in their professional services.
• Business Owners Policy (BOP) Bundled insurance package combining general liability and commercial property coverage for small to medium-sized businesses.
• Group Medical Employee health insurance solutions including medical plans with access to multiple carriers and coverage options for employer groups.
• Surety Bonds Surety bond coverage for contractors and businesses to guarantee contract performance and protect against financial loss.
• Umbrella & Excess Insurance Additional liability coverage that extends beyond standard policy limits to protect against catastrophic losses.
• Key Man Life Insurance Life insurance coverage protecting businesses against financial loss from the death of a key executive or employee.
• Directors & Officers (D&O) Insurance covering legal fees, settlements, and judgments for claims of wrongful acts against corporate directors and officers.
• Employment Practices Liability Insurance (EPLI) Coverage protecting businesses against employee lawsuits alleging wrongful termination, discrimination, harassment, or other employment-related claims.
• Cyber Liability Insurance protecting against financial losses from data breaches, cyber attacks, and digital threats, including notification costs and legal fees.
• Alternative Dispute Resolution (ADR) Dispute resolution solutions integrating carriers and resources to minimize litigation costs through mediation and arbitration programs.
• FSA, HRA, HSA Administration Flexible Spending Account, Health Reimbursement Arrangement, and Health Savings Account plan administration and guidance for employer groups.
• Personal Lines Personal insurance coverage including home, auto, and life insurance for individual clients.
• Marijuana / Cannabis Business Insurance Specialized insurance coverage for cannabis businesses including dispensaries, cultivation facilities, extraction labs, and manufacturing operations.
• Marijuana Dispensary Insurance Affordable insurance solutions specifically designed for marijuana dispensaries operating in California.
• Cannabis Events Insurance Customized coverage for marijuana-themed events including protection against event cancellation, liability, and product-related exposures.
• Hip Hop Events Insurance Special event insurance for hip hop and rap concerts including coverage for venues, performers, and liquor liability across California and the US.
• Janitorial & Day Porter Insurance Risk management and insurance solutions for janitorial and day porter services including liability and workers' compensation coverage.
• Manufacturing Insurance Comprehensive coverage for manufacturing operations including property, liability, and product liability insurance.
• Security Services Insurance Coverage for security guard companies, patrol services, armored car risks, private investigators, and security consultants.
• Software Development Insurance Insurance solutions for software and IT companies covering tech E&O, cyber liability, and professional liability risks.
• Print Shop Insurance Coverage for printing businesses including property, liability, and equipment breakdown insurance.

Quantifiable outcome

• One of the highest renewal percentages in the industry
• +1 more outcomes

Named customers3 records

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Alliant Insurance Services: One of the largest U.S. independent brokerages with deep California presence, offering the same commercial lines, BOP, work comp, and specialty practice structure as Metro but at materially greater scale.
• Aon plc: Global professional services firm with a major insurance brokerage division serving SMB through enterprise. Overlaps with Metro in commercial lines brokerage but competes more broadly as a global risk advisory rather than regional specialty.
• HUB International: Large North American insurance brokerage with strong California presence. Overlaps with Metro across commercial lines, employee benefits, and specialty practices, but at significantly larger scale via PE-backed roll-up acquisitions.
• Brown & Brown: Large publicly traded insurance brokerage with a national footprint and specialty niches. Comparable to Metro in commercial lines offerings (BOP, GL, workers' comp, commercial auto) but operating at materially greater scale.
• Marsh McLennan: World's largest insurance broker with a sizable SMB and middle-market practice. Provides comparable commercial lines brokerage services but at enterprise scale and with significantly broader risk consulting capabilities.
• USI Insurance Services: Large national brokerage with mid-market focus and significant California operations. Comparable in product breadth and SMB/mid-market targeting but operating as a scaled consolidator versus Metro's single-office model.

Direct peers

• Woodruff Sawyer: Independent, privately held insurance brokerage headquartered in Northern California. Similar to Metro, Woodruff Sawyer serves mid-market and niche clients with an independent multi-carrier model and specialty expertise.
• Heffernan Insurance Brokers: California-based independent insurance brokerage offering commercial and personal lines with specialty practices. Heffernan is the closest comparable to Metro given shared CA roots, independent agency model, and multi-vertical SMB focus.
• Holmes Murphy: Privately held independent brokerage serving commercial, personal, and employee benefits clients with a similar independent, relationship-driven model and multi-niche specialization as Metro.
• Risk Strategies Company: National specialty-focused independent brokerage with deep expertise in unusual and hard-to-place risks. Closely comparable to Metro's specialization around difficult-to-place commercial accounts and niche industry verticals.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/_metroinsurance
• YouTubeyoutube.com/channel/UCZrsFbtncp0IT27GGC4_uuw
• Facebookfacebook.com/metroinsuranceservices
• LinkedInlinkedin.com/company/metroinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Metro Insurance Services