Rothert Insuranc

What Rothert Insuranc does

Rothert Insurance, Inc. is a Managing General Agent (MGA) and wholesale insurance broker founded in 1961 in Portland, Oregon, and currently in its third generation of family ownership. The firm specializes in writing hard-to-place and high-risk business across three core product lines — Personal Lines (dwellings, condominiums, rental homes, mobile homes, high-value homes, vacant buildings, and personal liability/umbrella), Commercial Lines (general liability, liquor liability, inland marine, property, garage, umbrella, and professional liability for contractors, restaurants, hospitality, retail, and professional services), and Flood Insurance (NFIP, private flood through Hiscox Flood Plus and Voyager, and excess flood up to $3.5M). The company's primary customer segment is retail insurance agents in Oregon, Washington, and Idaho who require access to excess and surplus lines markets for risks rejected by admitted/standard carriers.

The business operates as a wholesale intermediary between retail agents and a network of 16+ admitted and non-admitted insurance carriers, holding binding authority that allows Rothert to quote, bind, and issue policies directly on behalf of carrier partners. Underwriting teams handle inbound submissions via dedicated phone lines, email, and an online quick-quote system powered through a USLI partnership. Rothert maintains the Certified Managing General Agent (CMGA) designation from AAMGA University continuously since 1994, requiring annual staff recertification. Technology disclosed is limited — a quick-quote system for hundreds of commercial classes via USLI, plus standard office systems — with no proprietary AI, machine learning, or platform architecture revealed.

Rothert earns revenue primarily through insurance commissions on each policy written and bound under its carrier relationships. Pricing is determined per-policy based on risk factors, coverage needs, and carrier appetite; no public pricing tiers exist. The firm is privately held with no external institutional investors, has never raised outside funding, and does not disclose revenue. Distribution is exclusively through the retail agent channel, with marketing concentrated on industry association memberships (NAPIA, WSIA, NAGA, BIG Oregon, IIA Idaho) and direct phone/email outreach to producers.

Name

Rothert Insuranc

Legal name

Rothert Insurance, Inc.

Website

https://rothertinsurance.com

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

11–50 employees

Short description

Rothert Insurance is a third-generation, family-owned Managing General Agent and wholesale broker in Portland, Oregon that writes hard-to-place Personal, Commercial, and Flood insurance for retail agents across Oregon, Washington, and Idaho under binding authority with 16+ carriers.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage / Excess & Surplus Lines Underwriting

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Excess surplus lines insurance
• Managing general agent
• Wholesale insurance brokerage
• Commercial insurance underwriting
• Flood insurance coverage

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As a Managing General Agent (MGA) and Wholesale Broker, Rothert Insurance earns commissions from insurance carriers for placing business. The company has binding authority with multiple carriers allowing them to write and bind coverage directly, earning commission on each policy written.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Rothert Insurance operates as a Managing General Agent (MGA) and Wholesale Broker that underwrites, binds, and services Personal Lines, Commercial Lines, and Flood Insurance coverage on behalf of multiple admitted and non-admitted carriers. The company specializes in hard-to-place and high-risk business that traditional and admitted insurance markets decline, distributing exclusively through retail insurance agents in Oregon, Washington, and Idaho.

Product overview

Rothert Insurance is a Managing General Agent (MGA) and Wholesale Broker offering three core product lines: Personal Lines, Commercial Lines, and Flood Insurance. The company specializes in hard-to-place and high-risk business that would not traditionally be accepted in admitted/standard insurance markets. Personal Lines covers dwellings, condominiums, and liability products. Commercial Lines provides extensive coverage across General Liability, Liquor Liability, Inland Marine, Property, Garage, Umbrella, and Professional Liability categories. Flood Insurance offers NFIP policies, private markets (Hiscox Flood Plus and Voyager), and excess flood coverage for both residential and nonresidential risks.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Lines Personal insurance coverage underwritten by Rothert as an MGA, including 1-4 Family Dwelling, Condominium Unit Owners, Excess Comprehensive Personal Liability, Excess Personal Umbrella, Primary Comprehensive Personal Liability, and Vacant Buildings, targeted at retail insurance agents seeking placement for non-standard personal property and liability risks.
• Commercial Lines Commercial insurance coverage underwritten by Rothert across General Liability (Artisan Contractors, Beauty and Barber Shop, Restaurant/Bar/Tavern, General Contractors, Tattoo Shops, Lessors Risk Only, Apartment, Special Events), Liquor Liability (Wedding Package, Restaurants, Bars, Retail), Inland Marine (Builders Risk, Motor Truck Cargo, Installation Floater, Contractor's Equipment), Property (Manufacturing, Retail, Office), Garage (Towing, Car Washes, Dent Removal, Auto Repair, Used Car Dealerships, Body Shop), Umbrella (Contractor, Retail, Apartment), and Professional Liability (Insurance Agents E&O, Consultants, Contractors, Real Estate, Trainers, Miscellaneous Professional, Schools, Fraternal Clubs, Childcare), for retail insurance agents placing hard-to-place commercial accounts.
• Flood Insurance Flood coverage distributed by Rothert to retail insurance agents, including NFIP policies, private flood markets (Hiscox Flood Plus offering up to $1M building and $500K contents with a 7-day waiting period), Voyager nonresidential coverage (up to $1M building, multiple buildings per policy, FlexCash loss assistance), and Excess flood coverage up to $3.5M over NFIP maximums.

Quantifiable outcome

• 287 years of combined E&S lines experience
• +2 more outcomes

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

19 partnerships are on record, tiered core and minor.

• American Bankers Insurance Co. of FLcoreChannel Partner/ Reseller/ DistributorAdmitted carrier partner providing personal and commercial lines coverage options. Rated A XIII.
• Ategrity Specialty InsurancecoreChannel Partner/ Reseller/ DistributorNon-admitted specialty insurance carrier. Rated A-. Provides excess and surplus lines coverage.
• Atlantic Casualty Insurance CompanycoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated A-VII. Provides specialty insurance coverage.
• Burlington Insurance CompanycoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated A-IX. Specialty insurance provider.
• Capitol Specialty Insurance CorpcoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated A-VIII. Provides specialty insurance products.
• Chubb Insurance CompanycoreChannel Partner/ Reseller/ DistributorAdmitted carrier with top rating A++ XV. Provides high-value personal and commercial coverage.
• Ranier Insurance CompanycoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated A VI. Specialty insurance provider.
• Red Shield Insurance CocoreChannel Partner/ Reseller/ DistributorAdmitted carrier. Rated A VI. Provides specialty insurance coverage.
• Scottsdale Insurance CompanycoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated A+ XV. Part of Nationwide group, provides specialty coverage.
• Sutter Insurance CocoreChannel Partner/ Reseller/ DistributorAdmitted carrier offered in Oregon and Washington only. Rated A- VI.
• Western World Insurance GroupcoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated A+ IX. Wholesale specialty insurance provider.
• KW SpecialtycoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated A- VIII. Specialty insurance provider.
• AegiscoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated B+++. Specialty insurance provider.
• USLIcoreChannel Partner/ Reseller/ DistributorNon-admitted and Admitted carrier. Rated A+++ XIII. Provides personal and commercial lines through online quick quote system.
• Mt VernoncoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated A++. Specialty insurance provider.
• Penn Star Insurance CompanycoreChannel Partner/ Reseller/ DistributorNon-admitted carrier. Rated A- X. Specialty insurance provider.
• National Association of Professional Insurance Agents (NAPIA)minorOthersIndustry association membership providing professional development, networking, and industry advocacy.
• Wholesale & Specialty Insurance Association (WSIA)minorOthersIndustry association membership representing wholesale and specialty insurance professionals.
• National Association of General Agents (NAGA)minorOthersIndustry association for managing general agents providing education and networking.

Scale indicators6 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• Burns & Wilcox: Wholesale insurance broker specializing in excess & surplus lines and specialty coverage for retail agents. Directly comparable as an E&S wholesale distribution partner with binding authority.
• Amwins: Largest US specialty insurance wholesaler with binding authority and a broad carrier panel. Comparable to Rothert in MGA/wholesale E&S distribution, though at meaningfully larger scale.
• Brown & Riding: Specialty wholesale broker placing excess and surplus lines business for retail agents across multiple classes. Comparable as an E&S intermediary with carrier appointments.
• CRC Group: National wholesale insurance broker operating through regional offices that bind business on behalf of retail agents in E&S markets. Comparable as a multi-carrier E&S wholesaler serving retail-agent distribution.
• Crump Insurance Services: Wholesale broker focused on property, casualty, and personal lines distribution to retail agents. Comparable as a wholesale partner placing hard-to-place business with specialty carriers.
• Arrowhead General Insurance Agency: Program manager and MGA offering commercial specialty products to retail agents. Comparable to Rothert in binding-authority MGA structure serving non-admitted markets.
• RPS (Risk Placement Services): National wholesale insurance broker and MGA with binding authority across multiple carriers. Closely comparable to Rothert in role as intermediary between retail agents and specialty/non-admitted carriers for hard-to-place risks.

Regional players

• J.M. Wilson: Regional managing general agent primarily serving retail agents in the Midwest with binding authority across carriers. Comparable as an MGA in business model, though operating in a different geography.

Emerging players

• Novatae Risk Solutions: Specialty wholesale brokerage and MGA formed to serve retail agents in E&S markets. Comparable in core wholesale E&S role, though younger and less established than Rothert.

Broad incumbents

• DUAL North America: International MGA with US operations binding specialty business for retail agents. Comparable as an MGA platform in E&S distribution, though part of a much larger global group.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ron-rothert-insurance-inc

Compliance1 record

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 Rothert Insuranc