OZK Insurance

What OZK Insurance does

OZK Insurance is a 100% independent insurance agency headquartered at 201 N 36th St, Rogers, Arkansas, founded in 2018. The agency operates as a multi-carrier intermediary, holding appointments with over 20 insurance carriers — including Allstate, Nationwide, Progressive, Liberty Mutual, Travelers, Safeco, State Auto, MetLife, and National General — and placing personal, commercial, and senior-focused insurance on the customers' behalf across Arkansas, Missouri, and Texas. Personal lines span auto, homeowners, renters, condo, boat, motorcycle, ATV/powersport, umbrella, life, flood, specialty dwelling, collector car, and health coverage; commercial offerings include general liability, commercial auto, trucking, business property, workers' compensation, contractors, cyber liability, commercial umbrella, EPLI, professional liability, restaurant, hospitality indemnity, D&O, bonds, business interruption, builders risk, and group benefits; senior products include Medicare Supplement, Medicare Advantage, Part D, and Long Term Care.

The agency's technology stack is composed entirely of third-party platforms: ClientHub powers the proprietary-looking client portal at clients.ozkinsurance.com (agency ID 32813) for quote intake, policy management, billing, and claims; GloveBox provides white-labeled iOS and Android apps for ID-card access and client communication. The organization is small — approximately 10 employees including co-owners Benjamin English and Riley Russell, partner Tim Stidham, Director of Inside Sales Tonia Martin, Service Team Manager Mayra Tarin, three Account Executives, and two Customer Experience Representatives. There is no identified technology, data, or AI specialist on the team.

OZK Insurance generates revenue entirely through commissions paid by the insurance carriers it represents, with no fees charged to clients — a recurring, percent-of-premium model tied to policy placement and annual renewals. Go-to-market combines inbound online quote requests via a multi-step form, organic SEO content (50+ Arkansas-specific blog posts), Google reviews, local sponsorships (Inside Arkansas, SOAR NWA, Walmart NW Arkansas Championship), and outbound inside-sales outreach by SMS and phone, frequently within an hour of form submission. Pricing is not publicly disclosed; the agency claims an average $1,400 annual savings for families switching from captive agents and a 23% higher average claim settlement for clients during the March 2024 Northwest Arkansas tornado event.

Name

OZK Insurance

Legal name

OZK Insurance

Website

https://ozkinsurance.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

OZK Insurance is a 100% independent insurance agency based in Rogers, Arkansas, serving individuals, families, and small businesses across Arkansas, Missouri, and Texas by shopping 20+ carriers to deliver personal, commercial, and senior insurance products.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency (Personal and Commercial Lines)

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

Personal Auto Insurance (FSAJAMAA)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance brokerage
• Multi-carrier insurance shopping
• Medicare and senior insurance

Headquarters

HQ city

Rogers

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, Technology or R&D, Operations, Others

Revenue model

1. Insurance Carrier Commissions: OZK Insurance operates as a 100% independent insurance agency earning commissions directly from insurance carriers for each policy placed and renewed. The agency is compensated by carriers (not by clients) and has no additional cost to customers. This is a recurring revenue model tied to policy premiums and client retention, with commission income generated on both new policy placements and annual renewals.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

OZK Insurance is a 100% independent insurance agency that shops more than 20 insurance carriers on behalf of clients to match personal and commercial coverage needs at competitive cost. The agency sells personal lines (home, auto, life, renters, condo, boat, motorcycle, ATV, umbrella, flood, specialty dwelling, collector car, health) and commercial lines (general liability, commercial auto and trucking, workers compensation, contractors, cyber, EPLI, D&O, professional liability, restaurant, bonds, builders risk, business interruption, group benefits), plus Medicare Supplement, Medicare Advantage, Part D, and Long Term Care for seniors. OZK does not underwrite risk; it earns commission from carriers on every placement and renewal.

Product overview

OZK Insurance is a 100% independent insurance agency headquartered in Rogers, Arkansas, serving Northwest and Central Arkansas. The company offers a comprehensive portfolio of insurance products organized into two main categories: Personal Insurance and Commercial/Business Insurance. Personal products include auto, homeowners, renters, condo, boat, motorcycle, ATV/powersport, umbrella, life, flood, specialty dwelling, collector car, health, and senior-specific products (Medicare Supplement, Medicare Advantage, Medicare Part D, and Long Term Care). Commercial offerings include general liability, commercial auto, trucking, property, workers compensation, contractors, cyber liability, umbrella, EPLI, professional liability, restaurant, hospitality indemnity, D&O, bonds, business interruption, builders risk, group benefits, and risk management. As an independent agency, OZK shops multiple insurance carriers (including Allstate, Nationwide, Progressive, Liberty Mutual, Travelers, Safeco, State Auto, and MetLife) on behalf of clients to find optimal cost and coverage combinations.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage protecting against accidents, liability, collision, comprehensive damage, and uninsured motorist exposure for Arkansas drivers, shopped across 20+ carriers.
• Homeowners Insurance Coverage protecting the home structure, personal belongings, liability, and additional living expenses for Arkansas homeowners, bundled with auto for 20-25% savings.
• Renters Insurance Coverage for personal property, liability protection, and additional living expenses for Arkansas renters and University of Arkansas students, averaging $210-$363 per year.
• Condo Insurance Coverage tailored for condominium owners protecting their unit and personal belongings beyond the HOA master policy.
• Boat Insurance Coverage for watercraft and related liability for Arkansas boat owners.
• Motorcycle Insurance Coverage for motorcycles and related liability for Arkansas riders.
• ATV & Powersport Insurance Coverage for all-terrain vehicles and other powersport vehicles.
• Umbrella Insurance Extra liability coverage extending beyond standard auto and homeowners policy limits.
• Life Insurance Coverage providing financial protection for families, including term and permanent life options.
• Flood Insurance Coverage for flood damage, available through NFIP or private flood insurers.
• Specialty Dwelling Insurance Coverage for unoccupied or vacant homes and harder-to-place policies the agency specifically markets as accepted risks.
• Collector Car Insurance Specialized coverage for classic and collector vehicles with provisions appropriate for vintage cars.
• Health Insurance Individual and group health coverage options including plan comparison and enrollment assistance.
• Medicare Insurance Medicare Supplement, Advantage, and prescription drug plan guidance for eligible beneficiaries, offered at no consultation fee to the client.
• Medicare Supplement Insurance Gap coverage for costs not covered by Original Medicare, including Part B cost-sharing.
• Medicare Advantage Plans Private alternative to Original Medicare combining hospital, medical, and prescription drug coverage.
• Medicare Prescription Drug Plans Part D prescription drug plan comparison and selection assistance.
• Long Term Care Insurance Coverage for extended care needs including nursing home, assisted living, and in-home care.
• General Liability Insurance Core commercial coverage protecting businesses from bodily injury and property damage claims.
• Commercial Auto Insurance Coverage for business vehicles including company cars, delivery vans, limos, taxis, buses, and pickup trucks.
• Commercial Trucking Insurance Coverage for private carriers including primary liability, cargo insurance, physical damage, and occupational accident.
• Business Property Insurance Coverage for commercial buildings and contents including lost income and business interruption.
• Workers Compensation Insurance Coverage for employee injuries and related medical costs occurring during work duties.
• Contractors Insurance Specialized coverage for contractors and construction professionals.
• Cyber Liability Insurance Protection against data breaches, cyberattacks, and related liability.
• Commercial Umbrella Insurance Additional liability coverage extending beyond standard commercial policy limits.
• EPLI Insurance Employment Practices Liability Insurance protecting against workplace discrimination and wrongful termination claims.
• Professional Liability Coverage for professional negligence and errors in service delivery.
• Restaurant Insurance Package coverage designed for restaurants and food service businesses.
• Directors and Officers Insurance Protection for corporate leadership against personal liability for management decisions.
• Bonds Surety and fidelity bonds for business contractual obligations.
• Business Interruption Insurance Coverage for lost income during temporary business closures due to covered events.
• Builders Risk Coverage for construction projects protecting materials and structures during building.
• Group Insurance Benefits Employee benefit programs including health coverage for businesses.
• Risk Management Insurance Comprehensive risk assessment and mitigation coverage for businesses.

Quantifiable outcome

• Average annual rate reduction of 57%
• +4 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Twelve partnerships are on record, tiered minor and core.

• Missouri and Texas (Geographic Expansion)minorOthers · 12 July 2021In July 2021, OZK Insurance expanded its service territory to include Missouri and Texas, in addition to its home state of Arkansas. The agency now provides auto, home, property, and business insurance to customers in all three states.
• AllstatecoreChannel Partner/ Reseller/ DistributorOZK Insurance is an independent agency partner representing Allstate among its portfolio of 20+ carriers for personal insurance products including auto, home, and umbrella coverage.
• Nationwide InsurancecoreChannel Partner/ Reseller/ DistributorOZK Insurance represents Nationwide Insurance as part of its carrier network for personal and commercial insurance products.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorOZK Insurance is an independent agency partner of Progressive Insurance, offering auto and related personal insurance products to Arkansas customers.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorOZK Insurance represents Liberty Mutual as part of its multi-carrier network for personal insurance products.
• Travelers InsurancecoreChannel Partner/ Reseller/ DistributorOZK Insurance is a licensed partner of Travelers Insurance, offering commercial and personal lines products. Customers can manage their Travelers accounts and billing through OZK's billing portal.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorOZK Insurance is a licensed partner of Safeco Insurance (a Liberty Mutual subsidiary). Safeco policyholders can manage their accounts and billing through OZK's portal.
• State Auto InsurancecoreChannel Partner/ Reseller/ DistributorOZK Insurance is a licensed partner of State Auto Insurance, offering personal and commercial auto insurance products. Customers can access State Auto account management through OZK's portal.
• MetLifecoreChannel Partner/ Reseller/ DistributorOZK Insurance is a licensed partner of MetLife, offering personal and group insurance products. Customers can manage MetLife accounts and billing through OZK's portal.
• National General InsurancecoreChannel Partner/ Reseller/ DistributorOZK Insurance is a licensed partner of National General Insurance. Customers can access National General account management and billing through OZK's billing portal.
• GloveBox (Mobile App Platform)coreTechnology or IntegrationOZK Insurance uses GloveBox white-label mobile app technology for its iOS and Android branded apps, enabling clients to manage policies, access ID cards, and communicate with the agency. Agency ID 32813 is associated with the GloveBox platform.
• ClientHubcoreTechnology or IntegrationOZK Insurance uses ClientHub as its client portal platform (clients.ozkinsurance.com) providing quote intake, policy management, billing, and claims services for customers.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk-management firm with major retail P&C operations. Comparable as both a competing multi-carrier broker for commercial clients and as a strategic acquirer of high-performing independent agencies.
• Acrisure: One of the largest U.S. insurance brokerages, built largely through acquisition of independent agencies. Comparable as a competing consolidator and as a strategic acquirer of independent agencies like OZK; offers a similar multi-carrier placement model but at national scale.
• Brown & Brown: National insurance broker and consolidator with deep retail P&C operations. Comparable as both an industry peer and a potential strategic acquirer; offers multi-carrier placement and recurring commission economics similar to OZK but across a much larger diversified portfolio.
• Hilb Group: Large national insurance brokerage that acquires independent agencies and operates across multiple states. Directly comparable as a buyer and operator of independent P&C agencies like OZK, though it serves a much broader mid-market and enterprise client base.
• State Farm (Captive Agent Channel): Largest U.S. personal-lines carrier with a captive agent force that competes head-to-head with independent agencies for the same Arkansas homeowner and auto customer. OZK explicitly references 'TV companies' and State Farm by name in its positioning, making this the most directly displaced competitor in its funnel.

Regional players

• Foundation Insurance Group: Regional independent insurance agency serving the U.S. Southeast with multi-carrier personal and commercial placement. Comparable on the independent-agency operating model and Arkansas-adjacent geography, though typically operating at a slightly larger multi-state footprint.

Direct peers

• Goosehead Insurance: Publicly traded independent insurance agency that shops across dozens of carriers for personal and commercial lines via a franchise/employee channel. Closest direct comparable to OZK's independent multi-carrier brokerage model, with similar inside-sales-led conversion and recurring commission economics — but at vastly larger scale.
• Brightway Insurance: Independent insurance franchise agency representing multiple carriers for home, auto, and commercial coverage across the southeastern U.S. Highly comparable to OZK on carrier-shopping model, multi-line product mix, and inside-sales-led customer acquisition — and a likely roll-up template if OZK were ever to franchise.

Emerging players

• The Zebra: National insurance comparison marketplace letting consumers compare auto and home rates across carriers online. Comparable as a competing acquisition channel in the same product categories OZK serves; represents the most direct D2C disintermediation threat to OZK's funnel.
• SmartFinancial: Tech-enabled insurance comparison platform that partners with independent agents to shop multiple carriers online. Comparable to OZK on the multi-carrier shopping model but with a national digital footprint that pressures local independent agencies on customer acquisition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ozk_insurance
• LinkedInlinkedin.com/company/ozk-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 OZK Insurance