Opus Insurance

What Opus Insurance does

Opus Insurance Services, Inc. is an independent insurance advisory firm domiciled in the USA that operates as a multi-carrier brokerage rather than a captive agent. It distributes personal and commercial insurance products — Auto, Home, Business, Life, Commercial Truck, and Surety Bonds — by comparing quotes from a curated panel of A-rated carriers and earning commissions on policies sold and renewed. The firm also offers life insurance sub-products spanning term, whole, universal, indexed universal, final expense, and business life solutions, alongside a broad surety bond lineup covering contractor licenses, court, fidelity, performance, payment, bid, and commercial surety bonds.

The company runs a sales-led go-to-market through its website (opusins.com) with embedded quote-request forms and a national toll-free line (877-587-2418), supported by licensed advisors rather than automated self-service. Pricing is quote-based and varies by risk profile, coverage limits, and carrier; the firm has no public pricing, no app, no disclosed API, and no proprietary technology beyond the advisory platform layer. Operations are licensed or active across 10 US states (Arizona, California, Colorado, Nevada, Texas, New Mexico, New Jersey, New York, South Dakota, and Indiana), with no disclosed revenue, headcount, funding, parent company, or founding date in the source data. The firm is privately held with no evidence of venture capital, private equity, or external investment.

Name

Opus Insurance

Legal name

Opus Insurance Services, Inc.

Website

https://opusins.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Opus Insurance Services, Inc. is an independent, multi-state US insurance advisory that sells Auto, Home, Business, Life, Commercial Truck, and Surety Bond coverage by comparing quotes across a curated panel of A-rated carriers for individuals, SMBs, and trucking operators.

Ownership category

akta.pro rank

Product category

Insurance Advisory Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Independent insurance advisory
• Commercial truck insurance
• Surety bond services
• Business insurance brokerage
• Multi-carrier insurance agency

Headquarters

HQ city

Sherman Oaks

HQ country

United States

HQ region

North America

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 Advisory Commissions: As an independent insurance advisory, Opus Insurance generates revenue through commissions paid by insurance carriers when policies are sold or renewed. They work with multiple top-rated carriers to provide competitive quotes, earning commissions from these carrier relationships without working directly for any single carrier.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Opus Insurance is an independent insurance advisory that shops quotes from a curated panel of A-rated carriers on behalf of customers. It offers six core insurance lines (Auto, Home, Business, Life, Commercial Truck, and Surety Bonds) to both individual consumers and businesses across multiple U.S. states. Coverage is tailored to each customer's unique risk and exposure, with licensed advisors providing guidance and claims advocacy.

Product overview

Opus Insurance operates as an independent insurance advisory offering a portfolio of insurance products and services. The company provides six core insurance categories: Auto Insurance, Home Insurance, Business Insurance, Life Insurance, Commercial Truck Insurance, and Surety Bonds. Life Insurance includes sub-products (Term, Whole, Universal, Indexed Universal Life, and Final Expense) plus Business Life Insurance Solutions. All products are offered through independent advisory services, working with multiple top-rated carriers to provide customized coverage. The company serves customers in Arizona, California, Colorado, Nevada, Texas, New Mexico, New Jersey, New York, South Dakota, and Indiana.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Comprehensive vehicle coverage for personal and commercial drivers, including liability, collision, and optional coverage protections for drivers and vehicles.
• Home Insurance Coverage protecting homes, valuables, and families from unexpected events including fire, theft, wind damage, water damage, and liability claims.
• Business Insurance Customized commercial protection for businesses, employees, and operations including commercial property, liability, workers compensation, cyber liability, and industry-specific coverage.
• Life Insurance Financial security and healthcare protection for loved ones, including term life, whole life, universal life, indexed universal life, final expense, and business life insurance solutions (key person, buy-sell funding, executive benefits, business loan protection).
• Commercial Truck Insurance Reliable coverage for owner-operators, fleets, and cargo transport operations including primary auto liability, physical damage, motor truck cargo, and specialized trucking coverage for long-haul, regional, hot shot, refrigerated, and specialized trucking.
• Surety Bonds Trusted bonding solutions including contractor license bonds, motor vehicle dealer bonds, title bonds, notary bonds, fidelity bonds, probate and court bonds, performance bonds, payment bonds, bid bonds, and commercial surety bonds for contractors, auto dealers, notaries, and licensed professionals.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights5 records

Emerging players

• Simply Business: Online insurance advisory matching small businesses with multiple carriers; comparable to Opus in targeting SMBs with multi-carrier distribution.
• CoverWallet: Online commercial insurance brokerage serving SMBs across multiple carriers; directly comparable to Opus's business insurance distribution with a more digital-native delivery model.
• NEXT Insurance: Digital insurtech focused on small business insurance including commercial auto, general liability, and workers comp; competes with Opus's commercial lines via a streamlined online experience.
• Lemonade: Insurtech offering direct-to-consumer home, renters, and auto coverage; relevant peer because it represents the digital-native channel pressuring traditional advisory agencies like Opus.

Direct peers

• SmartFinancial: Online insurance comparison and advisory platform that connects consumers with multiple carriers across auto, home, and commercial lines; highly comparable multi-carrier distribution model.
• Goosehead Insurance: Independent personal-lines insurance agency distributing through a network of licensed advisors who shop multiple carriers, mirroring Opus's independent advisory model with a comparable multi-line P&C focus.
• SelectQuote: Direct-to-consumer insurance advisory distributing life, auto, and home coverage across multiple carriers through licensed agents; overlaps Opus's multi-line, commission-based independent distribution approach.

Broad incumbents

• Brown & Brown: National insurance brokerage offering commercial and personal lines through licensed advisors and carrier relationships; shares Opus's independent advisory positioning across multiple product lines.
• Hub International: Major insurance brokerage distributing commercial, personal, and specialty lines across multiple carriers; comparable in product breadth and carrier-agnostic advisory model.
• Integrity Marketing Group: Large independent insurance distribution platform aggregating multiple agencies and product lines across carriers; comparable multi-line, multi-carrier advisory model at far greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/OpusIns
• Facebookfacebook.com/profile.php

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 Opus Insurance