JROD INSURANCE

What JROD INSURANCE does

JROD Insurance Agency LLC is an independent, privately held insurance brokerage headquartered at 608 North Euclid Avenue, Ontario, California. It operates as a multi-line broker selling policies on behalf of multiple insurance carriers rather than as a captive agent of any single provider. The agency's product portfolio spans personal lines (auto, home, renters, health including Covered CA marketplace plans, life including term, whole, universal, guaranteed, graded, and indexed universal life with no-medical-exam options up to $1 million in coverage), commercial lines (business property, liability, commercial auto), and specialty lines (motorcycle, boat, RV, surety bonds, annuities, final expense, mortgage protection, accident). It also offers non-insurance add-on services: vehicle and business registration assistance and money transfers.

The business model is commission-based. JROD earns carrier commissions on each policy it places, with pricing determined through personalized fact-finding and quote generation rather than public list pricing. Go-to-market is direct-to-consumer, conducted via in-person consultations at the Ontario office, phone sales, and mobile/on-site visits to client locations. Marketing is overwhelmingly referral-driven, with the firm explicitly attributing growth to long-tenured clients recommending the agency to family and friends; secondary channels consist of a basic company website and email newsletter signup. The firm serves individual consumers and small businesses in the Inland Empire region of Southern California, with bilingual English/Spanish staff positioned to address the local Hispanic market.

The underlying technology is minimal: a standard independent brokerage operating model with a website (jrodinsurance.com) as the primary digital surface. No proprietary platform features, AI/ML capabilities, APIs, mobile app, patents, certifications, or institutional partnerships are disclosed. There is no headcount data, no disclosed revenue, no funding history, no M&A activity, and no leadership roster surfaced in the source material. The firm is privately owned with no parent company or external investors identified.

Name

JROD INSURANCE

Legal name

JROD INSURANCE AGENCY LLC

Website

https://jrodinsurance.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

JROD Insurance Agency LLC is an independent insurance brokerage in Ontario, California, placing personal, commercial, and specialty insurance policies through multiple carrier partners. It serves individual consumers and small businesses in Southern California, offering bilingual English/Spanish service and on-site consultations.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage
• Auto insurance
• Life insurance
• Commercial insurance
• Health insurance

Headquarters

HQ city

Ontario

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commission Revenue: JROD Insurance Agency operates as an independent insurance agency/broker earning commissions from multiple insurance companies when they sell policies to clients. They work with multiple carriers to provide solutions for various insurance needs including auto, home, health, life, and commercial insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

JROD INSURANCE AGENCY LLC is an independent insurance brokerage that places coverage from multiple insurance carriers on behalf of clients. The agency offers auto, home, health, life, commercial, motorcycle, boat, RV, accident, mortgage, and final expense insurance, as well as annuities, bonds, registration services, and money transfers. It serves clients in English and Spanish from its Ontario, California office with mobile service available.

Product overview

JROD INSURANCE AGENCY LLC is an independent insurance brokerage that operates as a single-agency model, working for clients rather than any specific insurance company. The agency offers a comprehensive portfolio of insurance products including auto, home, health, life, commercial, and specialty insurance lines (motorcycle, boat, RV, bonds, final expense, mortgage insurance, and accident coverage). They also provide registered services and money transfers as additional service offerings. The agency specializes in matching clients with appropriate coverage from multiple carrier partners, including California's Low Cost Auto program, with coverage amounts available up to $1 million and options that do not require medical examinations. The company serves clients in English and Spanish.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance coverage including standard auto insurance and SR-22 filings for high-risk drivers, with options for drivers with or without a valid license.
• Home Insurance Homeowners insurance coverage for property protection for homeowners and renters.
• Health Insurance Health insurance coverage including Covered California marketplace plans with options that do not require a medical exam.
• Life Insurance Life insurance products including term life, permanent life, whole life, guaranteed life, graded life, and indexed universal life with coverage up to $1 million and no medical exam options.
• Annuities Retirement annuity products for cash accumulation and income planning.
• Commercial Insurance Business and commercial insurance coverage for small business owners including commercial property, business liability, and commercial auto.
• CA Low Cost Auto California state-sponsored low-cost automobile insurance program for eligible drivers.
• Motorcycle Insurance Motorcycle insurance coverage for riders.
• Boat Insurance Watercraft insurance coverage for boat owners.
• RV Insurance Recreational vehicle insurance coverage for motorhomes and travel trailers.
• Bonds Surety bonds and insurance bonds for various business and legal requirements.
• Final Expense Insurance Funeral and burial expense coverage to protect loved ones from financial burden.
• Mortgage Insurance Insurance coverage protecting mortgage holders and lenders.
• Accident Insurance Supplemental accident coverage for unexpected injuries and related expenses.
• Registration Services Vehicle and business registration assistance services offered at the agency location.
• Money Transfers Money transfer services offered at the agency location.

Segments4 records

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 moves4 records

Expansion highlights3 records

Direct peers

• HealthMarkets: HealthMarkets is a multi-carrier health, life, and supplemental insurance brokerage that places individual and family coverage with multiple carriers. It directly parallels JROD's individual health and life insurance brokerage business, including no-medical-exam life products.
• SelectQuote: SelectQuote operates a direct-to-consumer multi-line insurance brokerage focusing on life, auto, home, and Medicare. It is comparable to JROD in multi-carrier brokerage across personal lines, though it operates at scale via online and call-center channels rather than a single retail office.
• Brightway Insurance: Brightway is an independent insurance agency franchise operating multi-line retail storefronts across multiple states. It is comparable to JROD in its carrier-agnostic brokerage model, multi-line product offering, and small-format office footprint, though it operates as a franchise system rather than an independent LLC.
• Freeway Insurance: Freeway Insurance is a large independent multi-line insurance agency primarily serving California, including the Inland Empire market. It mirrors JROD's model — auto, home, life, and commercial brokerage across many carriers, with bilingual support and walk-in retail locations — making it the closest direct comparable.
• eHealth: eHealth is an online health insurance marketplace and broker that distributes individual and Medicare plans across carriers, including Covered California. It directly overlaps with JROD's individual health brokerage business but competes via digital channels rather than in-person service.
• The General Auto Insurance: The General is a carrier specializing in non-standard auto insurance for high-risk drivers, including SR-22 filings and drivers with license issues. It directly competes with JROD's most differentiated niche — SR-22 and low-cost auto placements — though it underwrites rather than brokers.
• Goosehead Insurance: Goosehead is an independent multi-line insurance franchise that distributes personal and commercial coverage across many carriers via local agents. It is highly comparable to JROD's independent agency economics and product breadth, with the difference being Goosehead's nationwide franchise scale.

Broad incumbents

• GEICO: GEICO is the largest U.S. direct-to-consumer auto and adjacent-line insurer. It competes with JROD primarily on auto insurance pricing and convenience via digital channels, representing the structural threat to traditional independent brokerage economics.
• State Farm: State Farm is the largest U.S. property/casualty and life insurer, distributing through a captive agent network. It competes with JROD on auto, home, life, and small commercial lines, but as a single-carrier incumbent rather than an independent broker.
• Allstate: Allstate is a broad-line property/casualty and life insurer that distributes through both captive agents and direct channels. It overlaps with JROD across auto, home, and life insurance but operates at vastly greater scale and as a single carrier.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/jrod-insurance-agency-llc

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 JROD INSURANCE