SOGO Insurance

What SOGO Insurance does

SOGO Insurance is an independent insurance brokerage headquartered in San Antonio, Texas, operating as a licensed agent/broker that connects individuals and businesses with coverage options through a network of top-rated national and regional insurance carriers. The firm, previously known as SOGO Wealth & Risk Management, was founded in 2010 and serves clients across multiple Texas metros including San Antonio, Austin, Houston, El Paso, New Braunfels, and Dallas.

SOGO's product portfolio spans six core categories: Personal Insurance (auto, home, property), Business Insurance (general liability, commercial property, business auto, workers' compensation, builders risk, flood, and industry-specific coverage for contractors, restaurants, manufacturers, and trucking), Life Insurance (term, whole, universal, final expense, key person, and child), Surety Bonds (bid, performance, payment, license/permit, vehicle title), Employee Benefits (health, dental, vision), and Risk Management consulting. Distribution is sales-led via licensed brokers handling phone, in-person, and website-form quote requests; the company has no proprietary technology platform, app, or AI/ML capabilities, and acts as a carrier-agnostic intermediary rather than a risk-bearing entity.

Revenue is generated through brokerage commissions paid by carriers on placed and renewed policies across personal, commercial, life, surety, and benefits lines. The company employs 11-50 staff, is privately held with no institutional capital or parent company disclosed, and supplements its broker-led GTM with content marketing via a blog, podcast, SEO-optimized landing pages, and Google reputation management. A partnership with Mineral (formerly ThinkHR) extends HR and compliance resources to business clients as a value-added service layer.

Name

SOGO Insurance

Legal name

SOGO Wealth & Risk Management

Website

https://sogoinsurance.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

SOGO Insurance is a San Antonio-based independent insurance brokerage serving individuals and Texas small businesses across personal, commercial, life, surety, and employee benefits lines via licensed brokers comparing policies from multiple carriers on commission.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Independent insurance brokerage
• Commercial insurance agency
• Personal insurance broker
• Surety bond services
• Employee benefits brokerage

Headquarters

HQ city

San Antonio

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 Brokerage Commissions: SOGO Insurance operates as an independent insurance agency/broker that earns commissions from insurance carriers when policies are placed or renewed. The company connects individuals and businesses with coverage options through a broad network of top-rated insurance carriers. Revenue is generated through brokerage commissions on personal insurance, business insurance, life insurance, surety bonds, and employee benefits products.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

SOGO Insurance is an independent insurance brokerage that connects Texas individuals and businesses with coverage options through a broad network of top-rated national and regional insurance carriers. Licensed brokers compare policies across multiple carriers across Personal Insurance, Business Insurance, Life Insurance, Surety Bonds, and Employee Benefits categories, and also provide Risk Management consulting. Revenue is generated through carrier commissions on policies placed and renewed.

Product overview

SOGO Insurance is an independent insurance agency/broker operating in Texas that connects individuals and businesses with coverage options through a network of top-rated insurance carriers. The company offers a comprehensive portfolio of insurance products organized into five core areas: Personal Insurance (auto, home, and individual policies), Business Insurance (general liability, commercial property, business auto, workers' comp, and industry-specific coverages), Life Insurance (term, whole, universal, final expense, and key person policies), Surety Bonds (bid, performance, payment, license/permit, and vehicle title bonds), and Employee Benefits (health, dental, vision, and workplace benefits). The firm also provides Risk Management consulting services. As an independent agency, SOGO acts as a broker comparing policies across multiple carriers to help clients find cost-effective coverage tailored to their specific needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal lines of insurance including auto, home, and other individual policies to protect personal assets and families, sourced through SOGO's network of top-rated carriers and matched to each customer's needs by a licensed broker.
• Business Insurance Commercial insurance products including general liability, commercial property, business auto, workers' compensation, and industry-specific coverage tailored for Texas businesses across construction, restaurants, manufacturing, trucking, and retail.
• Life Insurance Life insurance products including term, whole, universal, final expense, and key person policies for individuals, families, and businesses, structured through SOGO's carrier network.
• Surety Bonds Surety bond products including bid bonds, performance bonds, payment bonds, license and permit bonds, and vehicle title bonds for contractors, businesses, and individuals needing financial assurance for contractual obligations.
• Employee Benefits Employee benefit programs including health insurance, dental, vision, and other workplace benefits for Texas businesses, brokered through SOGO's carrier partnerships.
• Risk Management Risk assessment and management consulting services to help businesses identify and mitigate operational risks, offered alongside SOGO's commercial insurance brokerage.
• Workers' Compensation Insurance Coverage for Texas businesses to protect employees against workplace injuries and illnesses, covering medical expenses, lost wages, and rehabilitation costs.
• Business Auto Insurance Commercial auto coverage for Texas business vehicles including cars, trucks, and fleets to protect against accident-related costs.
• Special Event Insurance Event liability and cancellation coverage for weddings, corporate events, festivals, concerts, and other planned gatherings in the San Antonio area.
• General Liability Insurance Coverage protecting Texas contractors and businesses against third-party injury lawsuits, property damage claims, and legal costs.
• Commercial Property Insurance Coverage for Texas retail spaces, fixtures, and inventory against fire, theft, storm damage, and water damage.
• Flood Insurance Coverage for Texas businesses near water sources protecting inventory and equipment against flood damage not covered by standard property policies.
• Builder's Risk Insurance Coverage for Texas construction projects protecting materials and structures against damage during the building phase.
• Vehicle Title Bonds Surety bonds for Texas drivers to establish vehicle ownership when original title is lost, stolen, or incomplete, enabling registration and insurance.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered supporting and core.

• Mineral (formerly ThinkHR)supportingStrategic or Co-development PartnerSOGO Insurance has partnered with Mineral (formerly ThinkHR) to provide clients with free access to HR resources, compliance tools, employee management guidance, and training materials. This partnership helps SOGO offer comprehensive business support services beyond insurance, including HR advisory, compliance monitoring, and employee development resources to their business insurance clients.
• Various National and Regional Insurance CarrierscoreChannel Partner/ Reseller/ DistributorSOGO Insurance works as an independent broker with a broad network of top-rated national and regional insurance carriers. Through these carrier partnerships, SOGO is able to compare policies and coverage options across multiple providers to help customers find the best rates and coverage for their specific needs.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Higginbotham: Texas-headquartered independent insurance brokerage serving businesses and individuals across multiple states. Comparable in model (independent agent, multi-carrier, multi-line) and competitive set (Texas SMB and commercial focus), but materially larger in scale and geographic reach.
• Insurica Insurance Management: Independent insurance agency operating across the South-Central US with broad commercial and personal lines. Closely matches SOGO's independent-agent distribution model and vertical SMB specialization, though it covers more states and is significantly larger.
• The Buckner Company: Texas-based independent insurance agency offering personal, commercial, life, and benefits products. Directly comparable in independent-agent structure, Texas footprint, and multi-line portfolio.
• Burns & Wilcox: Specialty insurance brokerage distributing surplus lines and commercial coverage through a network of producer partners. Comparable in independent broker/agent distribution of commercial and specialty coverages, with a national rather than Texas-only footprint.
• Brown & Riding: Specialty wholesale insurance brokerage focused on complex commercial risks placed through retail agents. Comparable in distribution-driven model for commercial coverage, though it operates on the wholesale side rather than retail.

Broad incumbents

• RPS (Risk Placement Services): Wholesale broker and managing general agent distributing specialty commercial insurance through retail agents. Comparable distribution role for commercial lines, but operates as a wholesale partner rather than a direct retail agent like SOGO.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with deep Texas presence through Gallagher Bassett and regional offices. Overlaps with SOGO across commercial, benefits, and risk management, but at vastly larger scale and with proprietary consulting capabilities.
• Marsh McLennan Agency: Middle-market arm of Marsh operating across the US including Texas. Competes for the same commercial accounts and benefits clients but offers broader consulting, HR advisory, and analytics capabilities that SOGO partially approximates via its Mineral partnership.
• USI Insurance Services: Large national insurance brokerage serving middle-market businesses across property/casualty, employee benefits, and personal lines. Comparable product breadth and target customer, but with substantially more resources and proprietary analytics platforms.
• AssuredPartners: National insurance brokerage built through aggressive roll-up of independent agencies across the US. Direct strategic comparator for what a scaled-up SOGO could become — and a likely consolidator that could acquire SOGO or compete for its clients.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/SOGOinsurance

Revenue estimate

Valuation estimate

Number of profiles

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 SOGO Insurance