East Metro Insurance
- Company typePrivate
- Founded-
- HeadquartersSaint Paul, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What East Metro Insurance does
East Metro Insurance Agency LLC is an independent insurance brokerage headquartered at 1901 Minnehaha Ave E in St. Paul, Minnesota, serving individuals and small-to-medium businesses in Minnesota and Wisconsin. The firm operates as an unaffiliated broker, placing policies through a network of more than 30 insurance carriers spanning national (AAA, Chubb, Liberty Mutual, Nationwide, Progressive, Travelers, Allstate, MetLife, The Hartford), regional (Western National, Acuity, Auto-Owners, Midwest Family Mutual), and specialty providers (Hagerty for collector cars, Foremost for manufactured homes and RVs, Dairyland for non-standard auto). Revenue is generated via commissions paid by carriers on policies sold and renewed; pricing is quote-based and varies by customer risk profile and selected coverage.
The agency's product portfolio covers the full spectrum of personal lines (auto, home, life, flood, watercraft, recreational vehicles, motorcycle, snowmobile, farm, landlord, manufactured home, renters, short-term rental, collector cars, personal umbrella, valuables) and commercial lines (business owners policies, commercial property, workers compensation, business auto, commercial umbrella, restaurant, contractor liability, lessor's risk, auto repair, and surety bonds including bid, performance, construction, labor/material, fiduciary, public official, and notary bonds). Distribution is conducted via walk-in office visits, phone, email, and self-service online quote forms built on the Formsmarts platform, with marketing concentrated on local SEO (Google Business Profile), Facebook, and the firm's website.
Operationally, the agency is owner-operated by Bill Runck, supported by a small team of approximately five named personnel including a second broker (Eddie Bolton, 26 years in P&C) and customer service representatives. The firm holds Minnesota state licensure and has earned the Premier Service Agency designation for 14 consecutive years. There is no disclosed parent company, institutional investment, technology product, AI/ML capability, or expansion beyond the two-state footprint. The business model is a traditional, locally embedded full-service brokerage competing on carrier breadth, personal service, and claims/billing support rather than on technology differentiation.
East Metro Insurance firmographics
Firmographics- Name
- East Metro Insurance
- Legal name
- East Metro Insurance Agency LLC
- Website
- https://eastmetroinsurance.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
East Metro Insurance industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
- akta.pro secondary industries
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA), Personal Umbrella Insurance (FSAJANAA), Commercial Auto & Fleet Insurance (FSAJAMAB)
Keywords
Where East Metro Insurance is headquartered
LocationHeadquarters
- HQ city
- Saint Paul
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
East Metro Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: The agency operates as an independent insurance broker earning commissions from insurance providers. They collect customer information, submit it to multiple insurance companies, and present options that meet customer needs. Revenue is generated through commissions paid by insurance carriers for policies sold and renewed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing tailored to individual customer needs |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
East Metro Insurance product offering
Product offeringCore offering
East Metro Insurance is an independent insurance brokerage that collects customer information and shops coverage options across 30+ insurance providers to find the best coverage vs. cost fit. The agency brokers both personal insurance (auto, home, life, recreational, etc.) and commercial insurance (business owners policy, workers comp, commercial property, surety bonds) for individuals and businesses in Minnesota and Wisconsin. Revenue is generated through commissions paid by insurance carriers for policies sold and renewed.
Product overview
East Metro Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through partnerships with over 30 insurance providers. The personal insurance offerings include automobile, homeowners, flood, watercraft, collector cars, personal umbrella, valuables, recreational vehicles, renters, motorcycle, farm, landlord, manufactured home, life, short-term rental, and snowmobile coverage. Commercial insurance products encompass business owners policies, workers compensation, commercial property, various bond products (bid, license/permit, notary, performance, construction, labor/material, fiduciary, public official), commercial umbrella, restaurant insurance, lessor's risk, business auto, key person planning, contractor liability, and auto repair insurance. The company operates as an independent broker, collecting customer information and presenting insurance options from multiple providers to help clients find optimal coverage at reasonable costs.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Brokerage Independent brokerage service that shops personal insurance coverage (auto, home, life, recreational vehicles, flood, watercraft, collector cars, personal umbrella, valuables, renters, motorcycle, farm, landlord, manufactured home, short-term rental, snowmobile) across multiple insurance providers for individuals and families in Minnesota and Wisconsin.
Quantifiable outcome
- Premier Service Agency designation for 14 consecutive years
Companies that use East Metro Insurance
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
East Metro Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
East Metro Insurance partnerships and signals
Strategic signalPartnerships
40 partnerships are on record, tiered core and minor.
- AAAcoreMajor insurance provider represented by East Metro Insurance. Provides automobile, membership, and roadside assistance services. Multiple contact numbers available for policy service, claims, and billing.
- ChubbcorePremium commercial and personal insurance provider represented through the agency.
- Liberty MutualcoreNational insurance carrier providing personal and commercial insurance products through independent agents.
- NationwidecoreMajor insurance provider represented. Services include policy servicing, billing, and claims.
- ProgressivecoreLarge national auto insurance provider available through the agency.
- TravelerscoreMajor commercial and personal insurance carrier with full service capabilities.
- ZurichcoreGlobal insurance provider offering commercial and specialty insurance products.
- AllstatecoreNational personal and commercial insurance carrier represented through the agency.
- HagertycoreSpecialty insurer focusing on collector and classic vehicles.
- GEICOcoreMajor direct-to-consumer auto insurance provider also available through independent agents.
- MetLifecoreGlobal insurance and benefits provider offering personal and business coverage.
- BlueCross BlueShieldcoreMajor health insurance provider in Minnesota serving personal and group coverage needs.
- ForemostcoreSpecialty insurance provider for manufactured homes, RVs, and specialty property.
- SafecocorePersonal insurance carrier now part of Liberty Mutual, offering auto, home, and umbrella coverage.
- Western NationalcoreRegional insurance carrier based in Minneapolis serving personal and commercial lines.
- Midwest Family MutualcoreRegional mutual insurance company serving Midwest markets.
- SFM (Work Comp Experts)coreWorkers compensation specialist serving Minnesota businesses.
- Acuity InsurancecoreWisconsin-based insurance company offering commercial and personal insurance.
- Auto-Owners InsurancecoreMichigan-based mutual insurance company offering auto, home, and business coverage.
- Accident FundcoreWorkers compensation insurance provider part of Amerisafe.
- American ModerncoreSpecialty insurance provider for manufactured homes and specialty lines.
- AmTrust North AmericaminorCommercial lines insurance specialist for small to medium businesses.
- Great American Insurance GroupcoreDiversified insurance organization offering commercial and specialty coverage.
- The HartfordcoreMajor commercial insurance carrier specializing in business insurance.
- Berkshire Hathaway GUARDcoreCommercial insurance provider backed by Berkshire Hathaway.
- Health PartnerscoreMinnesota-based health insurance provider serving personal and group coverage.
- IntegrityminorInsurance provider offering property and casualty products.
- KemperminorSpecialty insurance provider for preferred and non-standard auto coverage.
- CNAcoreMajor commercial insurance carrier offering business lines and surety products.
- MarkelminorSpecialty insurance provider for niche markets.
- Minnesota Fair PlancoreState-chartered insurance pool providing property coverage in high-risk areas.
- MWCIAcoreMinnesota Workers Compensation Insurers Association providing assigned risk coverage.
- Penn National InsuranceminorRegional commercial and personal insurance carrier.
- Philadelphia Insurance CompaniescoreSpecialty commercial insurance provider focusing on niche business segments.
- Selective InsurancecoreCommercial lines insurance provider for small to mid-size businesses.
- State AutominorRegional insurance carrier offering personal and commercial coverage.
- Westfield InsurancecoreRegional insurance carrier serving commercial and personal lines.
- Dairyland AutominorNon-standard auto insurance provider part of Sentry Insurance.
- Main Street AmericacoreRegional mutual insurance carrier offering personal and commercial coverage.
- United Fire Group (UFG)minorCommercial and personal insurance provider based in Iowa.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
East Metro Insurance competitors and assessment
Company assessmentBroad incumbents
- Acuity Insurance: Wisconsin-based regional P&C carrier that East Metro already represents. Comparable regional Midwest focus and product depth; competes indirectly for the same MN/WI customers even as a carrier, not just an agency.
- HUB International: Large national insurance brokerage with broad personal and commercial offerings. Competes for the same SMB and consumer customers East Metro serves, but at significantly larger scale and through acquisitions.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk-management services firm. Overlaps with East Metro on commercial and personal-lines distribution and aggregator models, but operates with vastly broader resources and geographic reach.
Direct peers
- Insurance Office of America (IOA): Large, privately-owned independent agency providing personal, commercial, and benefits brokerage. Operates the same multi-carrier distribution model as East Metro across SMB and consumer segments.
- Heffernan Insurance Brokers: Independent commercial insurance brokerage with strong specialty and SMB practice. Closely mirrors East Metro's multi-carrier distribution model and commercial-lines orientation, just at larger scale.
- Hilb Group: Independent insurance brokerage platform aggregating regional agency partners. Comparable to East Metro as a multi-carrier agency operating across personal and commercial lines, with similar carrier-representation economics.
- Oswald Companies: Mid-market independent insurance brokerage offering personal, commercial, and benefits products across multiple states. Functionally analogous to East Metro's multi-carrier agency model with regional concentration.
Regional players
- Scheffel Insurance Services: Local independent insurance agency serving Minnesota and Wisconsin. Near-identical business model — multi-carrier personal and commercial lines brokerage for the same MN/WI customer base — making it one of the closest direct comparables.
Emerging players
- Lemonade: Digital-first direct-to-consumer P&C insurer using AI-driven underwriting. Targets the same personal-lines buyers East Metro serves, and represents the Insurtech-style disruption threat that pressures traditional agency economics on price and convenience.
- Policygenius: Online multi-carrier insurance marketplace focused on life, disability, home, and auto distribution. Closely parallels East Metro's multi-carrier comparison value proposition but executes it end-to-end digitally.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
East Metro Insurance social profiles
Digital presenceEast Metro Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
East Metro Insurance leadership team
Management profileNumber of profiles
Profiles5 records
East Metro Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
East Metro Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about East Metro Insurance
What does East Metro Insurance do?
East Metro Insurance is an independent insurance brokerage that collects customer information and shops coverage options across 30+ insurance providers to find the best coverage vs. cost fit. The agency brokers both personal insurance (auto, home, life, recreational, etc.) and commercial insurance (business owners policy, workers comp, commercial property, surety bonds) for individuals and businesses in Minnesota and Wisconsin. Revenue is generated through commissions paid by insurance carriers for policies sold and renewed.
Is East Metro Insurance a public or private company?
East Metro Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was East Metro Insurance founded?
East Metro Insurance was founded in -1. It employs 11 to 50 people.
Where is East Metro Insurance based?
East Metro Insurance is headquartered in Saint Paul, United States, in the North America region.
How does East Metro Insurance make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are East Metro Insurance's main competitors?
Broad incumbents on record are Acuity Insurance, HUB International and Arthur J. Gallagher & Co.. Direct peers are Insurance Office of America (IOA), Heffernan Insurance Brokers, Hilb Group and Oswald Companies. Scheffel Insurance Services is listed as a regional player. Emerging players are Lemonade and Policygenius.
Does East Metro Insurance have an API?
No public API is recorded for East Metro Insurance.
What industry is East Metro Insurance in?
East Metro Insurance's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms, with a secondary code of FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive). Its NAICS code is 5242 and its SIC code is 6411.