One General Agency

What One General Agency does

One General Agency (OGA) is a family-owned Managing General Agency (MGA) and Surplus Lines Broker founded in 1951 in Oklahoma City by Marie Welch to serve rural insurance agents underserved by larger carriers. The company operates as a wholesale intermediary connecting appointed independent insurance agents with specialty insurance markets, currently led by President & CEO Jennifer Dotter and supported by a leadership bench including a COO, VP of Operations, Director of Underwriting, and Senior Underwriting Advisor. OGA maintains two physical offices — a corporate headquarters at 817 NE 63rd St in Oklahoma City, Oklahoma, and a branch at 4268 Gabel Drive in Fayetteville, Arkansas — and serves agents across all 50 U.S. states.

OGA's product portfolio spans eleven core specialty and standard lines: Cannabis (operating a dedicated "Cannabis Insurance Wholesalers" sub-brand), Commercial Lines, Energy & Environmental, Excess Liability, Farm/Ranch/Agribusiness, Garage, Standard Lines (with Workers' Compensation), Personal Lines, Professional Lines, and Transportation. The technology stack centers on online rating platforms integrated with multiple carrier partners (USLI, North Star, National Indemnity, AEGIS, Sayata Labs for cyber, Northland), supported by an EPAYPolicy payment portal and an IFC premium finance arrangement for agency-bill policies. Core underwriting remains human-driven by an in-house team of underwriters who specialize in creative solutions for unusual and hard-to-place risks.

OGA's revenue model is commission-based: as an MGA, the company earns commission income from carrier partnerships for binding and managing specialty insurance business submitted by appointed independent agents. Agents must complete a formal appointment process — submitting an agency questionnaire, W-9, E&O policy, agency license, staff list, and cyber insurance — to become partner agencies. Pricing is quote-based on individual risk submissions and is not publicly disclosed; individual policy premiums vary widely based on risk classification, coverage scope, and carrier appetite. The company is privately held with no disclosed parent, venture funding, or acquisition history, and revenue is not publicly reported; a 1988 internal milestone referenced "over $25 million in sales" under prior leadership, providing the only quantitative scale anchor in the data.

Name

One General Agency

Legal name

One General Agency

Website

https://youroga.com

Company type

Private

Founded year

1951

Operating status

Operating

Headcount range

51–100 employees

Short description

One General Agency is a family-owned Managing General Agency and Surplus Lines Broker founded in 1951 in Oklahoma City. It connects appointed independent insurance agents across all 50 U.S. states with specialty and standard carriers across eleven product lines including cannabis, transportation, energy, and excess liability.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

Keywords

• Managing general agency
• Surplus lines broker
• Specialty insurance wholesaler
• Independent agent market access
• Excess and surplus lines

Headquarters

HQ city

Oklahoma City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. MGA Commission Income: OGA operates as a Managing General Agent earning commission income from carrier partnerships for binding and managing insurance business. The company has grown from a small Oklahoma City operation to a regional MGA with expanded market access and carrier partnerships.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

One General Agency (OGA) is a Managing General Agent (MGA) and Surplus Lines Broker that provides independent insurance agents with specialty market access across excess & surplus lines, standard lines, and commercial specialty markets. The company underwrites and binds coverage through carrier partnerships across multiple lines including commercial auto, garage, transportation, cannabis, energy & environmental, farm/ranch, professional lines, personal lines, and excess liability, supported by online rating tools and dedicated underwriting teams.

Product overview

One General Agency (OGA) operates as a Managing General Agent (MGA) and Surplus Lines Broker providing a comprehensive portfolio of insurance products and markets to independent insurance agents. The company offers eleven core product lines spanning Commercial Lines, Personal Lines, Professional Lines, Transportation, Garage, Energy & Environmental, Excess Liability, Farm/Ranch/Agribusiness, Standard Lines, Cannabis Operations, and Workers' Compensation. OGA functions as a wholesale intermediary connecting retail agents with specialized insurance carriers and markets, providing underwriting expertise, market access, and support services including dedicated renewal teams and phone quote capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Cannabis Insurance Wholesalers: Specialized insurance products for cannabis-related businesses

Products and services

• Cannabis Insurance Wholesalers Specialized insurance coverage for cannabis businesses including dispensaries, cultivators, LRO operations, and CBD retailers/manufacturers, distributed to retail agents through the wholesale MGA channel.
• Commercial Lines Broad range of commercial insurance products including contractors, retail, restaurants, apartments, and general business coverages placed through OGA's wholesale underwriting desk.
• Energy & Environmental Specialized coverage for oilfield operations, environmental risks, service contractors, and related energy sector businesses submitted by retail agents.
• Excess Liability Umbrella and excess liability coverage placements to provide limits above underlying policies for various risk classes.
• Farm, Ranch and Agribusiness Insurance coverage for agricultural operations including farms, ranches, cattle operations, crop farms, and related agribusiness risks.
• Garage Coverage for garage operations including auto dealers, repair shops, service operations, and dealers open lot exposures.
• Standard Lines Admitted market commercial coverage for eligible risks that fit standard carrier appetite including small business accounts, plus Workers' Compensation placements.
• Personal Lines Non-standard personal insurance coverage through excess and surplus lines markets including homeowners and dwelling fire, accessible to appointed agents via online raters.
• Professional Lines Professional liability coverage for various professions including D&O, E&O, EPL, cyber, and management liability.
• Transportation Commercial auto and trucking insurance including Motor Truck Cargo, ADP, and various transportation risk coverages placed via online raters and the underwriting team.

Quantifiable outcome

• Agents gain access to specialty markets including cannabis, energy, transportation, and excess liability through a single MGA partner.

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature1 record

Partnerships

Six partnerships are on record, tiered core and minor.

• Northland InsurancecoreOthersNorthland Insurance provides transportation insurance coverage options accessible through OGA's underwriting team for agents placing trucking and transportation risks.
• National Indemnity Company (NICO)coreOthersNational Indemnity Company (NICO) provides transportation insurance coverage including auto liability, physical damage, and cargo for trucking risks submitted through OGA.
• IFC (Premium Finance)minorOthersOGA partners with IFC for agency bill policies that are not full earned. IFC provides premium financing options for agents placing business with non-full-earned policies.
• USLIcoreOthersUSLI offers phone and online quoting for personal, professional, non-profits, special events, and commercial risks. Online rater available at youroga.usli.com.
• North StarcoreOthersNorth Star provides Personal Lines products including online rating, billing, and claims service available to agencies appointed by OGA.
• AEGIS InsurancecoreOthersAEGIS provides manufactured homes, dwellings, and vacant dwellings insurance through their general portal, accessible via OGA's online rater.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Amwins: Amwins is the largest US specialty wholesale broker and MGA, distributing E&S and admitted lines through appointed agents across all 50 states. It directly competes with OGA in transportation, garage, excess liability, cannabis, and other specialty lines where OGA operates, but at vastly greater scale and with proprietary technology platforms.
• Burns & Wilcox: Burns & Wilcox is a national wholesale broker and MGA specializing in hard-to-place commercial and personal lines. It is comparable to OGA in distributing excess and surplus lines to retail agents, with overlapping specialty in commercial, professional, garage, and transportation risks.
• CRC Group: CRC Group is a large specialty wholesale insurance distributor connecting retail agents with E&S carriers. It competes directly with OGA across multiple specialty lines including excess liability, commercial auto, garage, and energy, with broader geographic coverage and a multi-carrier platform.
• Brown & Riding: Brown & Riding is a wholesale insurance broker specializing in complex and unusual commercial risks, placed through retail agents. It is comparable to OGA's hard-to-place specialty positioning (commercial, energy, transportation, excess liability) with a similar carrier-partnership and appointed-agent model.
• Skyward Specialty Insurance Group: Skyward Specialty operates specialty insurance and MGA platforms across multiple lines including transportation, energy, casualty, and professional lines. It overlaps with OGA in transportation, energy, and excess liability specialty lines via an MGA/wholesale distribution model serving retail agents.
• RPS (Risk Placement Services): RPS is a leading wholesale broker and MGA providing E&S lines and specialty programs to retail agents nationally. It is a direct competitor in commercial, transportation, professional, and personal lines E&S placements that OGA serves, with comparable appointed-agent distribution and carrier-partnership economics.

Broad incumbents

• Markel: Markel is a specialty insurer with significant wholesale and MGA operations across multiple lines. It is broader than OGA in product scope and operates as a carrier-as-well-as-MGA, but competes for the same retail-agent relationships and specialty-line business OGA serves.
• Crum & Forster: Crum & Forster is a national specialty P&C insurer with admitted and E&S capabilities and an established wholesale/MGA distribution model. It overlaps with OGA in commercial, environmental, and excess liability specialty lines, but operates at vastly greater scale as a carrier-led platform.

Emerging players

• Accelerant: Accelerant (formerly Palomar Specialty) is a technology-enabled specialty insurance platform connecting MGA partners with carrier capacity. While newer and structurally different (capacity provider rather than pure MGA), it represents a competitive pressure on traditional MGA economics in the specialty lines OGA operates in.
• New Frontier Insurance: New Frontier Insurance specializes in cannabis and hemp industry coverage through wholesale distribution to retail agents. It is a direct niche competitor to OGA's Cannabis Insurance Wholesalers sub-brand, focusing on the same hard-to-place cannabis vertical with similar appointed-agent distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

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Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 One General Agency