Top Insurance Associates

What Top Insurance Associates does

Top Insurance Associates, operating legally as TOP Insurance Associates LLC, is an independent insurance brokerage and all-lines agency that places personal and commercial coverage through hundreds of insurance carriers, including major carriers and brokerage/surplus markets. Founded around 1995-1996 with nearly 30 years of operating history, the firm is headquartered in Snohomish, Washington, with a mailing presence in Bellingham, and is a subsidiary of Trucordia Insurance Services, LLC. Its geographic footprint spans six western US states: Washington, Oregon, Idaho, Colorado, California, and Arizona.

The company offers more than 15 insurance products spanning personal lines (auto, homeowners, renters, life up to $350,000 with no medical exam, motorcycle, watercraft/boat, RV, earthquake, flood) and commercial lines (business, commercial auto, contractors, commercial umbrella, bonds, notary E&O, farm, sports teams). Distribution runs through a hybrid of phone-based sales (425-513-6007), online self-service quote forms, and a self-service policy management portal for endorsements, ID cards, declarations, certificates of insurance, and renewals. Supporting the funnel are content assets including an educational blog, an insurance glossary, and a third-party-hosted life insurance calculator, plus social channels and a formal refer-a-friend program.

Top Insurance Associates earns revenue through standard insurance brokerage commissions paid by carriers on placed policies, with pricing varying by coverage and risk factors (renters insurance advertised from $10/month). The customer base is composed of individual consumers and SMBs (contractors, consultants, farms, sports teams, notaries), and no enterprise/anchor accounts are disclosed. The team comprises roughly 9 named client-facing staff within an 11-50 employee range, including a bilingual (Spanish) commercial lines agent. No proprietary AI/ML technology, patents, partnerships, or external funding are documented.

Name

Top Insurance Associates

Legal name

TOP Insurance Associates LLC

Website

https://www.topinsuranceassociates.com/

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Top Insurance Associates is an independent insurance brokerage placing personal and commercial coverage through hundreds of carriers across six western US states (WA, OR, ID, CO, CA, AZ) for individual consumers and small businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Everett

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker/agency, Top Insurance Associates earns commissions from insurance carriers for placing policies. They work with hundreds of insurance carriers including major carriers and brokerage/surplus markets.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Top Insurance Associates (TOP Insurance Associates LLC) is an independent insurance brokerage that places personal and commercial insurance policies on behalf of individuals and businesses by working through hundreds of insurance carriers. The firm operates across six western US states (Washington, Oregon, Idaho, Colorado, California, and Arizona) from its Everett, Washington base.

Product overview

Top Insurance Associates is an independent insurance brokerage offering a comprehensive portfolio of personal and commercial insurance products. The company operates as an all-lines insurance agency providing coverage through hundreds of insurance carriers in Washington, Oregon, Idaho, Colorado, California, and Arizona. Core personal insurance products include Auto, Homeowners, Renters, Life (up to $350,000 with no medical exam), Motorcycle, Watercraft, and Recreational Vehicle insurance. Commercial offerings encompass Business & Commercial Insurance with professional liability, property, workers' compensation, product liability, business vehicle, business interruption, and umbrella coverage, plus specialized Contractors Insurance with bond and liability requirements. Additional specialty products include Bond Insurance (performance, bid, maintenance, payment, license/permit), Notary E&O & Bond, Earthquake, Flood, Farm, and Sports Teams coverage. The company also offers online quote forms and policy management tools including a life insurance calculator.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Lines Insurance Personal insurance coverage including auto, home, life, and renters products placed through multiple carriers for individual consumers across WA, OR, ID, CO, CA, and AZ.
• Commercial Lines Insurance Commercial insurance coverage for businesses, with dedicated commercial lines agents and commercial account managers who package policies across carriers for small and mid-sized businesses.
• Bonds and Contractor Insurance Surety bonds and contractor-specific insurance products placed with carriers that underwrite specialty commercial risks.
• Renters Insurance Subscription Recurring renters insurance policy offered at approximately $10 per month, providing a low-cost entry-level personal coverage option.

Quantifiable outcome

• Customer rating of 5.0 out of 5 based on 13 reviews on IWantInsurance.com
• +1 more outcomes

Named customers7 records

Segments11 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• The IMA Group: The IMA Group is an independent insurance and risk-management firm offering commercial, personal, and surety products. Comparable in its independent brokerage model and multi-line product mix.
• Brown & Riding Insurance Services: Brown & Riding is an independent wholesale and retail insurance brokerage offering specialty commercial and personal lines. It is comparable in independent brokerage positioning and use of wholesale/surplus markets.
• Woodruff Sawyer: Woodruff Sawyer is an independent insurance brokerage serving businesses and individuals across the western US with multi-line personal and commercial offerings. It mirrors TOP Insurance Associates' all-lines broker model and West Coast geography.
• Leavitt Group: Leavitt Group is a network of independent insurance agencies across the western US offering personal, commercial, life, and benefits products. It is a strong comparability fit given similar agency structure, regional concentration, and carrier-brokerage hybrid model.
• Heffernan Insurance Brokers: Heffernan Insurance Brokers is a large independent insurance brokerage based in the western US offering personal and commercial lines through multiple carriers. It is directly comparable in product breadth, independent agency model, and west-coast regional focus.
• Robertson Ryan & Associates: Robertson Ryan & Associates is a mid-size independent insurance brokerage offering personal and commercial lines with multiple carrier appointments. It is comparable as a similarly sized, multi-state independent broker.

Broad incumbents

• Acrisure: Acrisure is a PE-backed, rapidly consolidated insurance brokerage platform offering personal, commercial, and specialty lines nationwide. It is comparable as a broader incumbent and roll-up acquirer of agencies similar to TOP Insurance Associates.
• HUB International: HUB International is one of the largest independent insurance brokerages globally, offering personal, commercial, and specialty lines. Comparable as a much larger incumbent in the same independent broker category.
• World Insurance Associates: World Insurance Associates is a PE-sponsored independent insurance brokerage roll-up operating across multiple states with personal and commercial lines. Comparable as a roll-up acquirer of agencies like TOP Insurance Associates.
• Insurance Office of America (IOA): IOA is a large, PE-backed independent insurance brokerage offering personal, commercial, and employee benefits across many US states. It is a relevant broader incumbent given similar independent agency DNA but meaningfully larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/topinsuresu
• Facebookfacebook.com/TopInsuranceAssociatesLLC/?fref=ts
• LinkedInlinkedin.com/company/top-insurance-associates-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Top Insurance Associates