Oakview Insurance Services Inc.

What Oakview Insurance Services Inc. does

Oakview Insurance Services, Inc. is a privately held, family-owned independent insurance brokerage founded in 2010 and headquartered in Yuba City, California, operating under CA License #0L91635. The agency places personal, commercial, farm and agribusiness, flood, earthquake, and group health and benefits coverage on behalf of individuals, families, farmers, ranchers, small businesses, AARP members age 50+, and Beale Air Force Base military families, with multi-state licensing spanning California, Washington, Oregon, Nevada, Arizona, and Idaho.

The firm represents more than 100 insurance carriers — including Mercury, Progressive, Travelers, Nationwide, Liberty Mutual, CIG, The Hartford, Grange Insurance Association, GeoVera, Palomar, and the California FAIR Plan — and is one of only three local agencies in Yuba City authorized to offer the AARP Auto & Home Insurance Program from The Hartford. A team of 20 licensed professionals with 130+ years of combined experience supports the book, and the agency is a top-30 Grange sales-producing agency in the Western US for 2023 and 2025. Service specializations include California FAIR Plan placements with companion Difference in Conditions coverage, NFIP flood certification, and CEA earthquake participation, positioning the agency in California's hardening property insurance market.

Revenue is generated exclusively through carrier-paid commissions, with no broker fees charged to clients. Distribution is sales-led, combining phone, email, walk-in office visits, a 24/7 online quote platform, and referral relationships with mortgage lenders, realtors, and loan officers. There is no proprietary technology platform, mobile app, or disclosed API; the firm is bootstrapped with no external funding, parent company, or disclosed acquisitions, and is led by President Mariah Davis and Vice President Scott McClarrinon.

Name

Oakview Insurance Services Inc.

Legal name

Oakview Insurance Services, Inc.

Website

https://oakviewins.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Oakview Insurance Services is a family-owned independent insurance brokerage founded in 2010 in Yuba City, California, placing personal, commercial, farm, flood, and earthquake coverage across 100+ carriers for households, farms, and small businesses in CA, WA, OR, NV, AZ, and ID.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Independent insurance brokerage
• Personal lines insurance
• Commercial property insurance
• Farm and ranch insurance
• Earthquake insurance broker

Headquarters

HQ city

Yuba City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Insurance Commission Revenue: Revenue generated through commissions paid by insurance carriers for policies placed. Oakview does not charge broker fees - compensation comes directly from carriers, meaning client payments go entirely toward insurance premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Oakview Insurance Services, Inc. is an independent insurance agency and broker (CA License #0L91635) founded in 2010 and headquartered in Yuba City, California. The firm represents 100+ insurance carriers and shops the market on behalf of clients to place personal lines (auto, home, life, flood, earthquake, renters, condo, RV, boat, ATV), commercial lines (general liability, commercial property, workers comp, commercial auto), and farm/agribusiness coverages. Compensation is earned through carrier commissions with no broker fees charged to clients.

Product overview

Oakview Insurance Services, Inc. is a local, independent insurance brokerage (CA License #0L91635) operating since 2010, Fiercely Independent Since 2010. Better Coverage, Better Advice, Better Results the firm acts as an appointed independent agency representing multiple insurance carriers rather than a single carrier, allowing them to shop across 100+ carriers on behalf of clients. The company offers a comprehensive portfolio of insurance products organized across personal lines (home, auto, renters, motorcycle, boat, RV, ATV, condo, earthquake, flood), commercial lines (general liability, commercial property, workers compensation, commercial auto), and specialized coverages (farm and agribusiness, group health and benefits, umbrella, landlord). Key branded partner programs include Grange Insurance Association (a mutual carrier serving Western families since 1894, for whom Oakview is a top 30 sales agency) and the AARP Auto & Home Insurance Program from The Hartford (for which Oakview is one of only three authorized local agencies). The company also places California FAIR Plan policies with companion Difference in Conditions coverage as a last-resort option for wildfire-exposed homeowners. Additional services include agency succession planning for selling insurance agencies.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal lines coverage for individuals and families including home, auto, life, flood, earthquake, renters, condo, motorcycle, boat, RV, and ATV insurance. Shopped across 30+ carriers including Mercury, Progressive/Drive, Travelers, Nationwide, Liberty Mutual, CIG, Grange, and The Hartford. Available to California residents and to clients with vehicles or household members in CA, WA, OR, NV, AZ, ID.
• Commercial & Business Insurance Commercial lines coverage for local businesses including general liability, commercial auto, workers compensation, commercial property, business owner policies, and coverage tailored for contractors, restaurants, and other industry verticals. Structured around each operation's specific exposures in California's hardening market.
• Farm & Agribusiness Insurance Specialized agricultural coverage for Sacramento Valley farmers and ranchers including row crops, orchards, vineyards, livestock, equipment, crop hail, and farm liability. Provided through carrier partnerships including Grange Insurance Association, a mutual carrier serving Western families since 1894. Oakview is a top 30 Grange sales agency in the Western US for 2023 and 2025.
• Group Health & Benefits Group health and employee benefits insurance for employers in the Yuba-Sutter region and broader California market.
• California FAIR Plan with Difference in Conditions (DIC) Coverage Placement of California FAIR Plan policies (the state's insurer of last resort for homeowners unable to obtain coverage in standard or surplus lines markets) and coordination of companion Difference in Conditions coverage that adds personal liability, theft, water damage, and additional living expenses to the basic FAIR Plan dwelling coverage.
• AARP Auto & Home Insurance Program from The Hartford Exclusive auto and home insurance program for AARP members age 50 and older, offered through The Hartford. Oakview is one of only three local agencies authorized to offer the program in the Yuba City area. Includes Lifetime Car Repair Assurance, New Car Replacement, RecoverCare, Accident Forgiveness, and up to 10% AARP member discount.
• Grange Insurance Association Agency Services Authorized independent agent services for Grange Insurance Association in California, offering farm, home, and auto coverage through a mutual carrier serving farmers, families, and ranchers across the Western United States since 1894. Oakview is recognized as a top 30 sales-producing Grange agency in the Western US for 2023 and 2025.

Quantifiable outcome

• 130+ combined years of insurance experience available to guide clients through market shifts and complicated claims
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core, flagship and minor.

• Trusted ChoicecoreChannel Partner/ Reseller/ DistributorIndependent insurance agency network partnership. Oakview is a proud Trusted Choice agency member, providing access to a national network of independent insurance agents and additional carrier relationships.
• Insurance Journal / PIIBflagshipStrategic or Co-development PartnerMember of PIIB - an Insurance Journal Top 13 agency partnership nationally. This represents Oakview's recognition as one of the top 13 insurance agency partnerships in the country.
• The Hartford / AARPcoreChannel Partner/ Reseller/ DistributorAuthorized AARP Auto & Home Insurance Program agent - one of only three local agencies in Yuba City area authorized to offer The Hartford's exclusive AARP program. Program includes Lifetime Car Repair Assurance, New Car Replacement, RecoverCare, and 10% AARP member discount.
• Grange Insurance AssociationcoreChannel Partner/ Reseller/ DistributorAppointed Grange Insurance Association agent - top 30 sales-producing agency in Western United States for 2023 and 2025. Grange specializes in farm, ranch, and agricultural insurance serving Western families since 1894.
• Mercury InsurancecoreChannel Partner/ Reseller/ DistributorAuto insurance carrier partnership. Mercury consistently offers competitive rates for California drivers with strong local presence in Yuba City market.
• Progressive / Drive InsurancecoreChannel Partner/ Reseller/ DistributorAuto insurance carrier partnership. Progressive's personal auto product through independent agents is marketed as Drive Insurance in California.
• TravelerscoreChannel Partner/ Reseller/ DistributorAuto insurance carrier partnership offering strong bundling options for home and auto with competitive rates for homeowners in the standard market.
• NationwidecoreChannel Partner/ Reseller/ DistributorAuto insurance carrier with broad coverage options and farm/agribusiness bundling for rural Yuba-Sutter households.
• CIG (Capital Insurance Group)coreChannel Partner/ Reseller/ DistributorCalifornia regional carrier with competitive rates in Sutter and Yuba Counties.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorAuto insurance carrier with broad coverage options and numerous discount programs.
• The HartfordcoreChannel Partner/ Reseller/ DistributorAuto insurance carrier offering competitive options for AARP members and mature drivers through the authorized program.
• California Earthquake Authority (CEA)coreChannel Partner/ Reseller/ DistributorLargest provider of residential earthquake insurance in California. CEA policies sold through participating carriers. Oakview places CEA earthquake coverage for homeowners throughout Yuba-Sutter.
• GeoVera InsurancecoreChannel Partner/ Reseller/ DistributorPrivate standalone earthquake insurance carrier. Does not require homeowners policy to be with GeoVera - useful for homeowners whose carrier is not CEA participant.
• Palomar InsurancecoreChannel Partner/ Reseller/ DistributorPrivate earthquake carrier known for competitive pricing, flexible coverage options, and standalone policies for qualifying properties.
• Beale Air Force Base Military FamiliesminorGTM or Marketing PartnerServing active duty and reserve military families stationed at Beale AFB with specialized auto insurance considerations including PCS moves, deployment storage, SCRA protections.
• California FAIR PlancoreOthersCalifornia's insurer of last resort for homeowners who cannot obtain coverage in standard or surplus lines markets due to wildfire exposure. Oakview places FAIR Plan policies and coordinates companion DIC coverage.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• The Hartford: The Hartford is a major US property and casualty insurer that operates the AARP Auto & Home Insurance Program exclusively through authorized independent agencies including Oakview. It is a strategic carrier partner that also competes for AARP-segment customers directly and through other channels.
• Grange Insurance Association: Grange Insurance Association is a mutual carrier specializing in farm, ranch, and rural insurance across the Western US, and Oakview is a Top 30 appointed agent. It is a strategic carrier partner that also sells directly and through other appointed agents in overlapping Western markets.

Broad incumbents

• Brown & Brown, Inc. Brown & Brown is one of the largest independent insurance brokerages in the US, operating retail offices that place personal, commercial, and specialty coverage. Its independent agency model and multi-carrier retail distribution make it a structurally similar incumbent competitor to Oakview.
• HUB International Limited: HUB International is a large North American insurance brokerage with retail operations serving personal, commercial, and specialty lines through thousands of producers. It competes for the same middle-market and personal-lines clients as Oakview but at national scale with carrier leverage Oakview cannot match.
• USI Insurance Services: USI Insurance Services is a large US insurance brokerage serving middle-market commercial and personal clients. It is a relevant comparable as a scaled brokerage targeting similar small-to-mid commercial accounts in adjacent geographies.
• Arthur J. Gallagher & Co. Arthur J. Gallagher & Co. is a global insurance brokerage and risk management firm with deep retail operations across commercial and personal lines. It is a relevant comparable as a large-scale brokerage that serves small commercial and agribusiness accounts similar to Oakview's commercial book.
• Marsh McLennan Agency: Marsh McLennan Agency is the middle-market retail brokerage arm of Marsh McLennan, serving commercial and personal lines across the US. It is a relevant comparable for the commercial lines segment of Oakview's book.
• Higginbotham: Higginbotham is a large independent insurance brokerage with retail operations across the South and West serving commercial, personal, and agribusiness lines. Its multi-line independent agency model and Western US presence make it a structural peer.

Direct peers

• Woodruff-Sawyer & Co. Woodruff-Sawyer is a California-based independent insurance brokerage placing personal, commercial, and specialty coverage through multiple carrier partners. It is a directly comparable California independent broker competing in similar personal and commercial segments.
• DiBuduo & DeFendis Insurance Brokers: DiBuduo & DeFendis is a California-based independent insurance agency and broker serving personal and commercial clients across the state through multi-carrier appointments. It is a directly comparable California independent broker with similar multi-line placement capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights6 records

Customer concentration

• Xx.com/Oakview_Ins
• Facebookfacebook.com/OakviewInsuranceServices
• LinkedInlinkedin.com/company/oakview-insurance-services

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Oakview Insurance Services Inc.