Tammie Pereira Insurance Services

What Tammie Pereira Insurance Services does

Tammie Pereira Insurance Services, Inc. (operating as Pereira & Associates) is a privately held, 100% bilingual (English/Spanish) independent insurance agency founded in 1987 and headquartered at 1606 S. El Camino Real, San Mateo, California. The firm is a small boutique operation with a stated team of four (Tammie Pereira as Partner/Founder, Nicole Pereira as Partner/Office Manager, Ana Coronado as Account Manager, and Katherine Arias as a licensed agent), serving individual consumers, families, and small businesses across the San Francisco Bay Area and San Mateo County. Its core business is insurance brokerage: the agency represents 18 insurance carriers and earns carrier commissions on personal and commercial policies placed, with no proprietary underwriting or technology platform disclosed.

The product portfolio is multi-line and consumer-oriented, covering vehicle insurance (auto, boat, motorcycle, RV), property insurance (homeowner, condo, renter, landlord, flood, earthquake), commercial insurance (commercial auto/truck, general liability, workers' compensation, surety bonds up to $25M, and Business Owners Policies), and supplementary lines including umbrella (≥$1M), life (term, whole, universal), health, disability, and long-term care. In addition to insurance brokerage, the firm operates as a licensed and bonded private auto registration service, processing DMV paperwork such as renewals, transfers of ownership, duplicate plates, and exempt license plates in-house at its San Mateo office.

The go-to-market motion is sales-led and relationship-driven: direct sales via the physical office, phone (650-655-2022) and email, supplemented by community-based referral generation through Tammie Pereira's leadership role as President of NAHREP Silicon Valley and her board role with Sabor del Valle. The agency does not publicly disclose pricing, revenue, funding, or employee counts beyond the four named team members, and there is no evidence of external investment, parent ownership, M&A activity, or technology platform development. Revenue is commission-based on policies placed and renewed, with reported client retention of approximately 95%.

Name

Tammie Pereira Insurance Services

Legal name

Tammie Pereira Insurance, Inc.

Website

https://tammiepereira.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

Tammie Pereira Insurance Services (Pereira & Associates) is a bilingual independent insurance agency in San Mateo, CA, placing personal and commercial lines across 18 carriers and offering licensed DMV vehicle registration services to Bay Area consumers and small businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

San Mateo

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 Commission Revenue: The agency earns commissions from the insurance carriers they represent. As an independent agency, they evaluate customer needs and match them with appropriate insurance companies, earning commission-based compensation from those carriers for policies sold and renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Tammie Pereira Insurance Services (also operating as Pereira & Associates) is an independent, fully bilingual (English and Spanish) insurance agency in San Mateo, California that matches customer needs with policies from 18 represented insurance carriers. The agency sells vehicle insurance (auto, boat, motorcycle, RV), property insurance (home, condo, renters, landlord, flood, earthquake), commercial insurance (commercial auto/truck, general liability, workers compensation, surety bonds, business owners policy), and umbrella, life, and health insurance. It also operates as a licensed and bonded private auto registration service that processes DMV paperwork such as renewals, transfers of ownership, duplicate plates, and exempt license plates.

Product overview

Tammie Pereira Insurance Services (also known as Pereira & Associates) is a 100% fully bilingual independent insurance agency in San Mateo, CA, serving the San Francisco Bay Area since 1987 with over 32 years of experience. The company operates as a one-stop-shop offering personalized insurance services and vehicle registration processing. The core product portfolio consists of Vehicle Registration Services & Processing for DMV paperwork, Vehicle Insurance covering automobile, motorcycle, watercraft, and RV, Property Insurance including homeowner's, condo, renters, flood, and earthquake coverage, Commercial Insurance with liability, truck, worker's comp, bonds, and business insurance, and supplementary products including umbrella, life, and health insurance. The agency represents multiple insurance carriers to find customers the best value and rates, positioning itself as working for the customer rather than any single insurance company.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Insurance Personal vehicle insurance covering automobile, boat, motorcycle, and RV coverage placed with multiple carriers to find the best rates and discounts for individual consumers in the San Francisco Bay Area.
• Property Insurance Property insurance products including homeowners, condo, renters, landlord protection, flood, and earthquake coverage tailored to protect property investments of homeowners, condo owners, and renters in California.
• Commercial Insurance Commercial insurance solutions including commercial auto and truck coverage, general liability, workers compensation, surety bonds (construction, license/permit, probate, court, public official bonds up to $25 million), and Business Owners Policy (BOP) packages for small business owners in California.
• Umbrella, Life and Health Insurance Additional insurance products including personal umbrella liability ($1,000,000+ additional protection), life insurance (term, whole, universal), health insurance, disability, and long-term care coverage for individuals and families in California.
• Vehicle Registration Services & Processing Licensed and bonded private auto registration service offering fast, in-house processing of registration renewals, vehicle registration, transfer of ownership, duplicate plates, issue of exempt license plates, substitute vehicle license plates, duplicate titles, replacement credentials, salvage, and legal owner transfers for individual consumers.

Quantifiable outcome

• Over 95% client retention rate

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Multiple Insurance Carriers (18 represented)coreChannel Partner/ Reseller/ DistributorPereira & Associates is an independent insurance agency that represents 18 insurance carriers. They evaluate customer needs to find the company that will give the best value. All represented companies have superior products and excellent customer service with outstanding reputations for fast, fair claims service.

Scale indicators3 records

Recent moves1 record

Expansion highlights4 records

Emerging players

• Lemonade: InsurTech direct carrier using a mobile-first, AI-driven model to sell renters, home, auto, pet, and life insurance. Comparable because it targets the same end consumers in personal lines, but represents the digitally-native disruption to the traditional independent agency model.

Direct peers

• Brown & Brown Insurance: National independent insurance brokerage offering personal, commercial, and specialty lines through local offices representing multiple carriers. Closely comparable in offering breadth and customer mix, and a serial acquirer of small agencies.
• Goosehead Insurance: Public independent insurance agency franchise that sells personal lines (auto, home, life) through local agents representing multiple carriers. Directly comparable business model to Tammie Pereira Insurance Services, scaled via a franchise/agent network rather than employees.
• Hub International: Large independent insurance brokerage representing multiple carriers across personal and commercial lines. Comparable because it serves the same customer base (SMBs and individuals) via a multi-carrier brokerage model, and is a known roll-up acquirer of small agencies like Tammie Pereira.
• Acrisure: Tech-enabled insurance brokerage roll-up that actively acquires small independent agencies serving personal and commercial clients. Direct peer in business model (multi-carrier brokerage) and a likely strategic acquirer of community agencies like this one.

Broad incumbents

• Marsh McLennan Agency: Middle-market brokerage arm of Marsh McLennan offering personal, commercial, and employee benefits lines. Comparable in multi-carrier brokerage model but serves primarily mid-market employers rather than individual consumers.
• GEICO: Direct-to-consumer auto and (increasingly) home insurer that bypasses agents. Comparable because it competes directly for the same personal auto customers, but represents the structural threat to independent agents' core product.
• The Hartford: National insurance carrier with a strong small-commercial and workers' compensation franchise, sold through independent agents. Comparable because the subject agency places commercial BOP, workers' comp, and auto business with carriers like The Hartford.
• State Farm: Largest U.S. personal-lines insurer operating through captive agents. Comparable because State Farm agents sell very similar products (auto, home, life) to the same consumers in the same geographies, but as a captive model rather than independent.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a strong retail division that serves the same SMB and personal-lines customer base via multiple carriers. Comparable in product breadth but operates at vastly greater scale than the subject company.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookweb.facebook.com/TPI1650
• LinkedInlinkedin.com/in/tammiepereira

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Tammie Pereira Insurance Services