East Bay Insurance

What East Bay Insurance does

East Bay Insurance is a privately held, independent retail insurance agency headquartered in Apollo Beach, Florida. Founded in 1972, the firm is sub-scale, with a reported headcount of 1-10 employees, and operates as a long-tenured local agency rather than a regional or national carrier. There is no public parent, subsidiary, or ownership disclosure in the available data, and the firm is not publicly traded.

The agency's product surface is centered on personal lines of insurance: home, auto, life, and flood coverage. This is a classic bundled-retail proposition in which the agency intermediates between policyholders and multiple underlying carriers; the agency earns commissions on placed premiums rather than underwriting risk itself. No proprietary technology, agency management platform details, or differentiated tech stack are disclosed in the input data, and the firm's website currently renders only a loader/verification screen rather than substantive content, limiting visibility into operational tooling.

The business model is therefore commission-based personal-lines distribution, with revenue mechanics tied to written premium volume, retention/renewal ratios, and carrier mix. The go-to-market is local and relationship-driven, anchored in the Apollo Beach / Tampa Bay market where the agency has operated for over five decades. Customer segments, pricing models, named carrier appointments, and any sub-agent or franchise relationships are not described in the available sources, leaving the firm lightly documented from an investment-intelligence standpoint. Leadership visibility is limited to a single identified executive, Vice President Susan Moss, with no management team, board, or ownership roster disclosed.

Name

East Bay Insurance

Website

https://ebinsure.com

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

1–10 employees

Short description

East Bay Insurance is a privately held, independent personal-lines insurance agency in Apollo Beach, Florida, founded in 1972 and operating with 1-10 employees to deliver home, auto, life, and flood coverage to local consumer households.

Ownership category

akta.pro rank

Headquarters

HQ city

Apollo Beach

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Core offering

East Bay Insurance is a privately held, independent insurance agency that sells personal-lines insurance products, including home, auto, life, and flood insurance coverage. Founded in 1972 and headquartered in Apollo Beach, Florida, the firm operates as a small (1–10 employees) retail agency serving individual consumers in the United States.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance
• Auto Insurance
• Life Insurance
• Flood Insurance

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Direct peers

• Foundation Risk Partners: Independent insurance brokerage built by rolling up regional agencies; offers personal and commercial lines. Comparable as a multi-line agency aggregator that frequently acquires small independent shops like East Bay Insurance.
• World Insurance Associates: Independent insurance agency offering personal and commercial lines including home, auto, and life. Comparable multi-line independent agency model.
• Higginbotham: Large independent insurance agency offering multi-line personal and commercial coverage. Operates a similar agency/brokerage model with carrier appointments and bundling across home, auto, and life, making it a close comparable in business model.
• Alera Group: Independent insurance agency formed through regional rollups, providing personal, commercial, and employee benefits lines. Comparable agency/brokerage model with multi-line offerings.
• IMA Financial Group: Independent insurance brokerage offering property, casualty, life, and specialty coverage. Comparable multi-line independent brokerage structure.

Broad incumbents

• Brown & Brown, Inc. Large publicly traded insurance brokerage headquartered in Daytona Beach, Florida, with broad personal and commercial lines. Comparable as a Florida-anchored independent agency model, but operating at vastly greater scale.
• GEICO: Direct-to-consumer personal lines insurer competing for the same auto and home customers. Represents the primary competitive threat to traditional independent agencies like East Bay Insurance.
• Progressive: Direct-to-consumer personal lines insurer with strong auto and growing home presence. Represents a key competitor for the same personal-lines customer base.
• State Farm: Largest U.S. personal lines insurer operating through captive agents, directly competing with independent agencies for home, auto, and life customers.

Regional players

• Frankenmuth Insurance: Regional insurance carrier working through independent agents in selected states. Comparable as a counterparty/carrier partner model relevant to East Bay Insurance's agency operations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/eastbayinsurance
• LinkedInlinkedin.com/company/east-bay-insurance

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 East Bay Insurance