Sheppard and Associates Insurance Agency

What Sheppard and Associates Insurance Agency does

Sheppard & Associates Insurance Agency is a privately held, single-location independent insurance agency headquartered at 970 Reserve Drive, Suite 170, Roseville, California (California license #0F30761). The firm operates with 1-10 employees and serves customers across California, with a primary vertical specialization in contractor insurance and a secondary offering in personal lines coverage. Its core products include general liability, workers compensation, commercial auto, and business owner policies tailored to construction and trade professionals, alongside personal insurance products designed to protect individual and family assets.

The agency's go-to-market is a consultative, direct sales model in which prospects initiate contact through website lead capture forms ('Get Started' and 'Schedule a Free Assessment'). Revenue is earned on a transaction-fee basis through commissions paid by insurance carriers for policies placed and renewed, with quote-based pricing determined by underwriting criteria and customer risk profiles. There is no disclosed digital marketing, no third-party distribution partnerships, no mobile or web application product, and no proprietary technology beyond standard website and email systems.

The agency's stated competitive position rests on over 50 years of collective industry experience within the team and a deep vertical specialization in contractor insurance that generalist agencies are positioned as unable to match. The business is operating, privately held, and discloses no parent company, subsidiaries, funding rounds, leadership team, patents, awards, or M&A activity. Operating hours are Monday-Thursday 8:30am-5:00pm and Friday 8:30am-4:00pm, with the office closed on weekends.

Name

Sheppard and Associates Insurance Agency

Legal name

Sheppard & Associates Insurance Agency

Website

https://sheppardins.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Sheppard & Associates is a privately held, single-location independent insurance agency in Roseville, California that specializes in contractor insurance (liability, workers comp, commercial auto, BOP) and personal lines, serving SMB contractors and individuals in California on a commission-based, consultative direct sales model.

Ownership category

akta.pro rank

Product category

Commercial Insurance Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)

akta.pro secondary industries

Employer’s Liability (FSAJADAE), Standalone Umbrella Liability (FSAJANAE)

Keywords

• Contractor insurance
• Workers compensation
• Commercial auto insurance
• Personal insurance coverage
• Business owner policy

Headquarters

HQ city

Citrus Heights

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commissions: Insurance agency earning commissions from insurance carriers for placing policies with customers. Revenue is transaction-based, earned when policies are sold and renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Sheppard & Associates Insurance Agency is a California-based insurance agency that places and services insurance policies for contractor businesses and individuals. Its primary offering is contractor-focused coverage including general liability, workers compensation, commercial auto, and business owner policies. It also provides personal insurance coverage for individuals and families. The agency operates on commissions earned from insurance carriers for policy placement and renewals, with over 50 years of collective industry experience supporting its service delivery.

Product overview

Sheppard & Associates Insurance Agency is a single-location insurance agency offering a portfolio of insurance products and services. The agency's core offerings include Contractors Insurance (their stated specialization) and Personal Insurance Coverage, which together provide protection for business assets and family futures. The company positions itself as a knowledgeable, service-oriented agency with over 50 years of collective industry experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Contractors Insurance

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• State Farm: Large national composite insurer offering personal and small-commercial lines (including contractor-related coverages) through captive agents. Overlaps with Sheppard & Associates' personal + contractor business mix, but at vastly greater scale and primarily through captive distribution.
• Liberty Mutual: Large national insurer with significant small-commercial and contractor commercial-auto presence. Overlaps on core product categories (commercial auto, general liability for contractors) but is structured as a direct-writing carrier rather than an independent agency.
• The Hartford: Large national insurer with a dedicated small-business and contractor practice (workers comp, commercial auto, business owners). Directly comparable product overlap for contractor clients, but operating at much greater scale and through captive plus independent agent distribution.
• Hiscox: Specialty insurer/broker with a strong focus on small-business and professional liability, including contractor classes. Comparable because it sells overlapping product categories (general liability, commercial auto, workers comp) to the same contractor SMB customers, though through a national digital/broker channel.

Regional players

• Frankenmuth Insurance: Mutual insurance carrier writing contractor and small-business commercial lines through independent agents, including in California-adjacent markets. Comparable specialty-contractor underwriting focus, but delivered through carrier-agent distribution rather than as a direct agency.

Emerging players

• CoverWallet: Tech-enabled commercial insurance broker with small-business and contractor-vertical focus. Comparable target customer (SMB contractors) and overlapping product set (general liability, workers comp, commercial auto), but delivered through a digital platform rather than a single-location agency.
• NEXT Insurance: Tech-enabled commercial insurance carrier/distributor focused on small-business contractors (general liability, workers comp, commercial auto). Highly comparable as it targets the same contractor niche as Sheppard & Associates, but competes through a digital-first model rather than a local agency relationship.
• Simply Business: Online commercial insurance brokerage aggregating small-business and contractor policies across multiple carriers. Comparable as a digital-first distribution alternative for the same contractor buyer, especially for prospects who don't need a local agent relationship.
• Thimble: Digital micro-insurance platform offering short-term general liability and contractor coverage on-demand. Competes for the same small-contractor customer with self-service digital buying rather than an agency-led consultative model.

Direct peers

• Burns & Wilcox: Specialty insurance brokerage focused on contractor and construction risks (general liability, builders risk, wrap-ups). Highly comparable operating model as a specialty contractor-focused brokerage, but operating at significantly greater scale and geographic reach than Sheppard & Associates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Sheppard and Associates Insurance Agency