PJC Insurance

What PJC Insurance does

PJC Insurance Agency, LLC is an independent insurance agency founded in 1968 and headquartered in Springfield, Missouri, operating as a subsidiary of Sunstar Insurance Group, LLC since September 2016. The agency distributes insurance products across four business divisions—Commercial Lines, Personal Lines, Employee Benefits, and Surety Bonds—serving individuals, families, and businesses ranging from small family-owned firms to large multinational corporations, with a historical specialty in transportation and trucking insurance now operating across 17 states.

The agency represents over 120 insurance carriers, all rated B+ or better by A.M. Best, which provides the market access required to broker policies across commercial (general liability, property, workers' compensation, cyber, D&O, professional liability, environmental, aviation, marine), personal (auto, home, umbrella, watercraft, identity theft), employee benefits (group medical, ACA, dental, vision, retirement, COBRA), and surety (contract, performance, permit, judicial, fidelity) lines. Distribution is executed through licensed insurance professionals via in-person consultation, phone/email, and the CSR24 client self-service portal. The technology stack is industry-standard agency management and carrier platforms with no proprietary technology infrastructure.

Revenue is generated primarily through commissions calculated as a percentage of premium paid to carriers, supplemented by incentive and contingent compensation tied to total premium volume and underwriting profitability, occasional client service fees, and potential compensation from premium-finance arrangements. Leadership consists of President Raylene Appleby (joined 2001, former bank risk manager) and Executive Vice President Lance Smith (joined 1996, transportation-insurance specialist), both members of the Sunstar Insurance Group Executive Committee. As part of Sunstar, PJC sits within one of the top 45 largest independent insurance agency groups in the United States.

Name

PJC Insurance

Legal name

PJC Insurance Agency, LLC

Website

https://pjcinsurance.com

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

11–50 employees

Short description

PJC Insurance is an independent insurance agency founded in 1968 in Springfield, Missouri, distributing commercial, personal, employee benefits, and surety bond products through 120+ carriers across 17 states. It serves families, SMBs, and multinational corporations, operating as a subsidiary of Sunstar Insurance Group.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

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

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industries

General Liability Insurance (FSAJAMAE), Directors & Officers (D&O) Liability (FSAJADAF), First-Party Cyber (Breach Response, Forensics, Notification, Credit Monitoring) (FSAJAOAF)

Keywords

• Independent insurance agency
• Commercial lines insurance
• Personal lines insurance
• Employee benefits insurance
• Surety bonding services

Headquarters

HQ city

Springfield

HQ country

United States

HQ region

North America

Offices2 records

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. Commission Revenue from Insurance Carriers: PJC Insurance receives commissions from insurance companies calculated as a percentage of the premium paid to the carrier. They also may receive additional compensation based on incentive or contingent criteria such as total premium written, underwriting profitability, or other factors.
2. Client Service Fees: The agency may receive specific fees from clients for services rendered.
3. Premium Finance Compensation: If assisting in arranging premium financing, the agency may receive a fee or other compensation from the premium finance company.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

PJC Insurance is an independent insurance agency that places commercial, personal, employee benefits, and surety bond coverage by representing more than 120 insurance carriers on behalf of its clients. Founded in 1968 in Springfield, Missouri and now operating as a subsidiary of Sunstar Insurance Group, the agency serves families and businesses (including a long-standing specialty in transportation/trucking insurance) through licensed insurance professionals and a CSR24 self-service client portal across 17 states.

Product overview

PJC Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products through four major business divisions: Commercial Lines, Personal Lines, Employee Benefits, and Surety Bonds. The agency represents over 120 insurance carriers and provides access to their offerings through the CSR24 Client Self-Service Portal. Founded in 1968 and headquartered in Springfield, Missouri, PJC became a member of Sunstar Insurance Group in September 2016. The company is recognized as one of the top 100 largest independent agencies in the United States.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Lines Insurance

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• Insurance Carriers NetworkcoreChannel Partner/ Reseller/ DistributorPJC Insurance represents 120+ insurance carriers including major national and regional carriers. Partners include Accident Fund, ACE USA, Acuity, Allied, America First Insurance, American Strategic Insurance, Amerisafe, AmTrust, Berkshire Hathaway, Chubb, Cincinnati Insurance, CNA, Liberty Mutual, Markel, Nationwide, Travelers, Zurich, and many others. The agency places business only with carriers having A.M. Best rating of B+ or better.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Lockton Companies: Lockton is the world's largest privately held insurance broker with commercial, transportation, and employee-benefits practices — a much larger but otherwise structurally similar competitor. Its freedom from public-market constraints mirrors PJC's private-company positioning.
• Arthur J. Gallagher & Co. Gallagher is a Fortune 500 global broker with deep trucking/fleet, employee-benefits and surety practices, putting it in direct competition with PJC for mid-market transportation accounts while also serving far larger accounts. Overlap in product set (commercial, benefits, surety) makes it a broad incumbent rather than a direct mid-market peer.
• Brown & Brown, Inc. Brown & Brown is one of the largest US independent P&C brokerages, with national commercial, transportation, and benefits practices that overlap with PJC's product portfolio. Its scale and acquisition pace make it a broad incumbent, but it competes head-to-head with PJC for transportation and mid-market commercial accounts.

Direct peers

• Risk Placement Services (RPS): RPS is a specialty broker focused on excess and surplus lines and transportation — directly competing with PJC for hard-to-place commercial and trucking accounts that exceed admitted-carrier appetites. Both firms rely on wholesale/surplus-line relationships as a complement to standard-market placements.
• USI Insurance Services: USI is a middle-market broker delivering commercial, personal and employee-benefits solutions through proprietary programs — comparable to PJC's four-division structure, but at significantly larger scale. Both operate as aggregators of multiple carriers serving employer and personal-insurance clients.
• Hub International: Hub International is a large North American insurance brokerage that grew via roll-ups of mid-sized independent agencies — directly comparable to PJC's profile as a multi-line, middle-market-focused independent agency. Both place commercial, personal, employee benefits and surety business across multiple carriers, with transportation and specialty practices.
• TrueNorth Companies: TrueNorth is a Midwest-based, transportation-specialized insurance and risk-services firm — closely analogous to PJC's roots in trucking insurance across 17 states. It offers commercial, personal, benefits and surety lines and competes in the same regional mid-market transport-fleet segment.
• Woodruff-Sawyer & Co. Woodruff-Sawyer is a privately held commercial insurance broker specializing in D&O, cyber, professional liability and other complex commercial lines — competing with PJC's commercial division for middle-market and complex accounts requiring multi-carrier placement.
• AssurePartners: AssurePartners is a rapidly consolidating, middle-market-focused independent insurance agency with national footprint and similar acquisition-led growth — a direct comparable in size, ownership model and product mix to PJC and the broader Sunstar platform.
• IMA Financial Group: IMA is a privately held, mid-market commercial insurance and benefits broker operating across the US — closely aligned with PJC's combination of commercial lines, employee benefits and surety across regional and national accounts.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pjc-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 PJC Insurance