RL Insurance Agency

What RL Insurance Agency does

RL Insurance Agency is an independent insurance agency founded in 2011 and headquartered in Alexandria, Virginia, operating two physical offices in Annandale and Arlington. The firm provides a full-service insurance brokerage offering across personal lines (auto, homeowners, renters, motorcycle, boat/marine, and specialty coverages such as flood, earthquake, ATV, RV, and valuable items), commercial lines (BOP, commercial auto, commercial property, general liability, workers' compensation, cyber liability, professional liability, and industry-specific packages), life insurance (term, whole, universal, fixed annuities, final expense), health insurance (individual, family, ACA, dental, vision, disability, long-term care), Medicare products, and group/employee benefits. The agency serves individuals, families, small to medium businesses, employers, and Medicare beneficiaries across Virginia, Maryland, Washington D.C., North Carolina, and Florida.

RL Insurance Agency operates as an independent agent representing multiple carriers rather than a captive agent tied to a single provider; disclosed carrier relationships include Maryland Automobile Ins Fund (MAIF) and MetLife Home and Auto. The firm's underlying technology is undifferentiated: a standard website with online quote requests, secure contact forms, online billing and payments, referral capture, and an agentinsure.com integration for comparative auto/home quoting. No proprietary platforms, mobile apps, AI/ML systems, or patents are disclosed. The agency is privately held as an LLC with no disclosed funding rounds, parent company, or institutional investment.

The agency's revenue model is commission-based, earning affiliate/referral-style commissions from insurance carriers on policies placed with customers. Go-to-market is sales-led, combining in-person consultations at the two Virginia offices, phone sales, evening/weekend appointments for business owners, online self-serve quote tools, and content marketing through an insurance blog. Marketing channels include the website, blog content, customer testimonials (22 five-star reviews), a referral program, and a Facebook presence. The firm received an Expertise.com 'Best Homeowners Insurance Agencies' recognition in 2021. Headcount is reported at 11-50 employees and the management team is not publicly disclosed.

Name

RL Insurance Agency

Legal name

RL Insurance Agency, LLC

Website

https://rlinsuranceagency.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

RL Insurance Agency is an independent insurance brokerage founded in 2011 in Alexandria, Virginia, representing multiple carriers to provide personal, commercial, life, health, Medicare, and group benefits insurance to individuals, families, and SMBs across five mid-Atlantic and southeastern US states.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Commercial Lines Insurance Brokerage (FSAEADAB), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Multi-carrier insurance quotes
• Group benefits brokerage

Headquarters

HQ city

Alexandria

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, Others

Revenue model

1. Insurance Agency Commissions: RL Insurance Agency operates as an independent insurance agency, earning commissions from insurance carriers when they sell policies to customers. They represent multiple insurance companies including Maryland Automobile Ins Fund (MAIF) and MetLife Home and Auto, offering customers competitive pricing through comparative quoting.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

RL Insurance Agency is an independent, full-service insurance brokerage that sells personal lines (auto, home, renters, life, health, Medicare), commercial lines (general liability, workers' comp, commercial auto/property, BOP, cyber and professional liability), and group/employee benefits from multiple insurance carriers. The agency compares policies across carriers to match customers with coverage and pricing, supports policy service, claims filing, certificates of insurance, and billing online, and operates physical offices in Annandale and Arlington, Virginia.

Product overview

RL Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency provides personal insurance (auto, homeowners, renters, motorcycle, boat/marine, and specialty coverage like ATV, flood, earthquake, and valuable items insurance), business insurance (general liability, workers' compensation, commercial auto, commercial property, business owners packages, cyber liability, professional liability, and industry-specific coverages), life insurance (term, whole, universal life, fixed annuities, and final expense), health insurance (individual/family ACA plans, dental, vision, disability, long-term care, and Medicare), and group/employee benefits (dental, life, disability, health, vision, long-term care, HSAs, and HRAs). As an independent agency, they represent multiple insurance carriers including MetLife and Maryland Automobile Insurance Fund (MAIF), offering comparative quotes to find optimal coverage and pricing for clients across Virginia, Maryland, DC, North Carolina, and Florida.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance providing coverage for vehicles against accidents, liability, property damage, and uninsured/underinsured drivers, offered with free comparative quotes from multiple carriers to individual consumers.
• Homeowners Insurance Homeowners insurance protecting homes against damage, theft, and liability, covering the structure, personal possessions, and providing liability protection for injuries on the property.
• Renters Insurance Renters insurance protecting personal possessions against damage or theft, with liability protection and additional living expenses coverage if the rental becomes unlivable.
• Motorcycle Insurance Motorcycle insurance covering collision, comprehensive damage, medical bills, bodily injury, and custom parts or classic bike protection.
• Boat and Marine Insurance Coverage for boats and watercraft including speed boats, jet skis, yachts, and sailboats, with Agreed Hull Value, Actual Cash Value, and liability options.
• Business Owners Package (BOP) Insurance Bundled business insurance combining property and general liability coverage, designed for small to medium-sized businesses seeking simplified coverage.
• Commercial Auto Insurance Insurance covering business vehicles, fleets, and employee-used vehicles against property damage, medical expenses, and liability claims.
• Commercial Property Insurance Coverage for business facilities, equipment, inventory, fixtures, and signage against storms, fires, theft, and vandalism.
• General Liability Insurance Protection against claims of bodily injury, property damage, damage to rented premises, medical payments, advertising errors, and reputational harm.
• Workers' Compensation Insurance State-mandated workers' compensation insurance providing medical treatment and partial wage reimbursement for workers injured on the job while protecting employers against related lawsuits.
• Cyber Liability Insurance Business insurance covering costs related to data breaches, ransomware attacks, business interruption, and legal and regulatory fines arising from cyber incidents.
• Professional Liability (Errors and Omissions) Insurance Coverage protecting professionals against negligence claims, errors in service delivery, and omissions in professional advice.
• Individual Life Insurance Life insurance policies including Term Life, Universal Life, and Whole Life insurance to secure family financial futures and cover burial expenses.
• Final Expense Insurance Insurance designed to cover end-of-life costs including funeral expenses, burial or cremation costs, and outstanding debts, averaging over $8,000 per case.
• Fixed Annuities CD-type retirement investment issued by insurance companies, providing guaranteed future payments with tax-deferred growth and protection against market downturns.
• Individual and Family Health Insurance Health coverage through Affordable Care Act (Obamacare) plans and other individual policies from carriers including Kaiser, Aetna, Cigna, and CareFirst BlueCross BlueShield.
• Individual Dental Insurance Dental coverage offered in HMO, PPO, and indemnity plan options, including network dentists and preventative care benefits.
• Individual Disability Insurance Income protection insurance providing benefits after 1-6 months of disability and paying benefits for several years or until retirement age.
• Individual Vision Insurance Vision coverage reducing costs for eye exams, glasses, and contacts, and offering discounts on LASIK surgery through network providers.
• Individual Long-Term Care (LTC) Insurance Long-term care insurance with potential discounts for good health (10%) and spouse or partner coverage (up to 40% savings).
• Medicare Coverage Solutions Assistance with Medicare Parts A, B, C, D, and Medigap supplemental plans; the agency helps beneficiaries choose and enroll in suitable Medicare coverage.
• Group Health Insurance Employer-sponsored group health benefits with potential tax credits up to 50% of premiums for businesses with 25 or fewer employees earning under $50,000 annually.
• Group Dental Insurance Employer-sponsored dental coverage including checkups, cleanings, fillings, crowns, and root canals with customizable employer/employee cost sharing.
• Group Life Insurance Term, Whole, and Universal Life insurance options for employees purchased at wholesale rates, with portable coverage options.
• Group Disability Insurance Short-term and long-term disability coverage for employees, with typical costs ranging between 0.25% and 0.5% of total compensation.
• Group Long-Term Care (LTC) Insurance Group long-term care insurance with streamlined underwriting, premium discounts, and potential tax benefits for small businesses.

Quantifiable outcome

• Customers report saving $150/month on auto insurance coverage

Named customers4 records

Segments6 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 core.

• Maryland Automobile Ins Fund (MAIF)coreChannel Partner/ Reseller/ DistributorRL Insurance Agency represents Maryland Automobile Ins Fund (MAIF) as an independent insurance agent, offering MAIF auto insurance products to customers in Virginia, Maryland, DC, and surrounding areas. MAIF is a state-chartered automobile insurance fund.
• MetLife Home and AutocoreChannel Partner/ Reseller/ DistributorRL Insurance Agency represents MetLife Home and Auto as an independent insurance agent, offering MetLife home and auto insurance products. MetLife is a major national insurance carrier providing home and auto coverage.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• HUB International: HUB International is a major global insurance brokerage providing personal, commercial, and employee benefits solutions across North America. Overlaps broadly with RL as a multi-line independent intermediary but at significantly greater scale and geographic reach.
• Acrisure: Acrisure is a top-10 global insurance brokerage combining commercial, personal, and benefits distribution through acquired agencies. Same independent-agency DNA as RL, scaled into a multi-billion-dollar platform.
• Erie Insurance: Erie Insurance is a regional P&C carrier that distributes exclusively through independent agents across the Mid-Atlantic and Midwest. RL competes for the same Mid-Atlantic customer households, and Erie's agent network represents the most direct incumbent channel competitor.
• Brown & Brown: Brown & Brown is one of the largest U.S. insurance brokerages, offering personal, commercial, employee benefits, and specialty products across all 50 states. It is a vastly larger incumbent in the same independent brokerage category RL operates in.

Direct peers

• Brightway Insurance: Brightway is one of the largest independent insurance franchise agencies in the U.S., representing multiple carriers and selling personal, commercial, life, and specialty products through a distributed retail network. The business model, multi-carrier comparative quoting, and product breadth closely mirror RL Insurance Agency's independent agency approach.
• Hilb Group: Hilb Group is a mid-market independent insurance brokerage operating across multiple U.S. regions, placing personal and commercial coverage with multiple carriers. Comparable in role and product scope as an independent intermediary, though larger and more commercially weighted than RL.
• Freeway Insurance: Freeway is a retail insurance storefront chain offering auto, home, commercial, and life coverage from multiple carriers, focused on Hispanic and multilingual communities in CA, TX, AZ, NV, and beyond. Directly comparable to RL in retail-storefront, multilingual, multi-carrier personal/commercial brokerage.
• Goosehead Insurance: Goosehead is a publicly traded independent insurance agency that distributes personal, commercial, life, and health products through a franchise/employee model. It shares the same multi-carrier independent distribution DNA as RL, though at substantially greater scale.

Emerging players

• CoverWallet (an Aon company): CoverWallet is a digital commercial insurance platform acquired by Aon, offering online quoting and binding for small businesses across BOP, general liability, workers' comp, and professional lines. It directly overlaps with RL's commercial insurance segment but competes via a digital-first experience.
• Simply Business: Simply Business is a digital SMB insurance marketplace aggregating carrier quotes for small commercial buyers. It intersects with RL's commercial book at the price-discovery stage and represents the digital aggregator model threatening traditional agencies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/RL-Insurance-Agency-348231428551502

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 RL Insurance Agency