QAE Insurance Brokerage

What QAE Insurance Brokerage does

QAE Insurance Brokerage is an independent insurance agency headquartered at 13382 Goldenwest St., Suite 118, in Westminster, California, serving individuals, families, and small to medium-sized businesses across California, Texas, Florida, and New York. The agency operates without a proprietary technology platform and instead relies on traditional brokerage channels: in-person consultations at its Westminster office, phone-based sales and service via local and toll-free lines, and online quote request and policy service forms through qaeinsurance.com. Its management team, led by General Manager Vivian Windross and Vice President of Sales Grant Pinto, draws on more than 25 years of collective experience and serves thousands of customers.

Name

QAE Insurance Brokerage

Legal name

QAE Insurance Brokerage

Website

https://qaeinsurance.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

QAE Insurance Brokerage is a Westminster, California-based independent insurance agency offering 50-plus personal and commercial insurance lines from 35-plus carriers to individuals, families, and small businesses across California, Texas, Florida, and New York.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal insurance lines
• Business insurance coverage
• Multi-carrier insurance quotes

Headquarters

HQ city

Westminster

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: QAE Insurance Brokerage generates revenue by earning commissions from insurance carriers for policies sold. As an independent insurance agency, they represent multiple insurance companies and earn a percentage of premiums paid by customers. They offer free comparative quotes to customers, earning commissions from the carrier that ultimately writes the policy.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

QAE Insurance Brokerage is an independent insurance agency that sources personal and commercial insurance coverage from over 35 insurance carriers and places customers with the carrier offering the best fit and rate. The agency sells personal lines (auto, homeowners, renters, life, motorcycle, boat, RV, umbrella, etc.) and business lines (business owners package, commercial auto, workers' compensation, general liability, professional liability, cyber liability, and 30+ other commercial products), earning commissions from the carrier that writes each policy.

Product overview

QAE Insurance Brokerage is an independent insurance agency offering a comprehensive portfolio of insurance products and services through a network of over 35 insurance carriers. The company provides two primary product lines: Personal Insurance (including Auto Insurance, Homeowners Insurance, Renters Insurance, Motorcycle Insurance, Boat & Marine Insurance, ATV Insurance, Collector Car Insurance, Condominium Insurance, Earthquake Insurance, Flood Insurance, High Net Worth Coverage, Mobile/Manufactured Home Insurance, Motor Home/RV Insurance, Personal Umbrella Insurance, Personal Watercraft Insurance, Pet Insurance, Rental Property Insurance, Snowmobile Insurance, Travel Insurance, Valuable Items Insurance, and Life Insurance) and Business Insurance (including Business Owners Package Insurance, Commercial Auto Insurance, Commercial Property Insurance, General Liability Insurance, Workers' Compensation Insurance, Builders' Risk Insurance, Business Interruption Insurance, Cargo Insurance, Commercial Earthquake Insurance, Commercial Trucking Insurance, Commercial Umbrella Insurance, Contractor's General Liability Insurance, Cyber Liability Insurance, Directors and Officers Liability Insurance, EPLI, Farm/Agribusiness Insurance, Garage Insurance, Hotel/Motel Hospitality Insurance, Key Person/Employee Insurance, Kidnap & Ransom Insurance, Liquor Liability Insurance, Manufacturers Insurance, Medical Malpractice Insurance, Non-Profit Insurance, Product Liability Insurance, Professional Liability/E&O Insurance, Restaurant & Bar Insurance, Special Event Insurance, Surety Bonds, Technology Insurance, Vineyard & Winery Insurance, and Wholesalers & Distributors Insurance). The company also offers Policy Service Center capabilities including Online Billing & Payments, Online Claims Filing, Certificate of Insurance Request, Policy Change Request, and Auto ID Card Request.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Required auto insurance coverage protecting against financial loss from accidents, covering vehicles, liability, medical costs, and uninsured/underinsured motorist protection.
• Homeowners Insurance Insurance protecting the home structure, personal possessions, and liability against unexpected events for homeowners.
• Renters Insurance Coverage protecting renters' personal possessions and providing liability protection against damage to rental property and injuries to guests.
• Motorcycle Insurance Insurance coverage for motorcycles protecting against property damage, collision, comprehensive damage, medical bills, bodily injury, and custom parts.
• Boat & Marine Insurance Coverage for boats, jet skis, yachts, and sailboats including Agreed Hull Value and Actual Cash Value policies with liability and add-on coverages.
• ATV Insurance Insurance coverage for all-terrain vehicles protecting against comprehensive loss, collision, bodily injury, liability, and uninsured/underinsured motorist coverage.
• Collector Car Insurance Specialized coverage for classic, vintage, or antique vehicles with agreed value, replacement parts coverage, and protection for shows and exhibitions.
• Condominium Insurance Coverage for condo owners protecting the interior from walls in, personal possessions, and liability against guest injuries.
• Earthquake Insurance Separate policy coverage protecting against seismic damage not covered by standard homeowner insurance, including repair costs and temporary accommodations.
• Flood Insurance Coverage protecting homes and property against flood damage, required in high-risk zones and available for moderate-to-low risk areas.
• High Net Worth Coverage Customized insurance plans for high-net-worth individuals covering multiple homes, valuable collections, works of art, identity theft, and enhanced liability protection.
• Mobile (Manufactured) Home Insurance Coverage for manufactured homes protecting against fire, storm damage, theft, vandalism, accidental damage, personal property, and liability.
• Motor Home / RV Insurance Insurance coverage for motorhomes and RVs including medical payments, bodily injury, collision, comprehensive, towing, rental car costs, and property damage.
• Personal Umbrella Insurance Extra liability layer of protection above auto, boat, homeowners, and other policies covering guest injuries and accidents where policy limits are exceeded.
• Personal Watercraft Insurance Coverage for WaveRunners, Jet Skis, and Sea-Doos protecting against damage, bodily injury, liability, towing, and uninsured watercraft operators.
• Pet Insurance Coverage for cats and dogs protecting against accidents, illnesses, hereditary conditions, and veterinary costs including surgeries and emergency care.
• Rental Property Insurance Landlord insurance protecting rental properties against storms, fire, vandalism, and loss of rental income, separate from standard homeowner policies.
• Snowmobile Insurance Coverage for snowmobiles including bodily injury, property damage, collision, comprehensive, and protection against uninsured/underinsured operators.
• Travel Insurance Coverage for international travelers including trip cancellation, emergency medical care, transportation costs, baggage replacement, and rental car insurance.
• Valuable Items Insurance Scheduled property coverage for jewelry, art, collectibles, and other valuables not adequately covered under standard homeowner policies.
• Life Insurance Protection for families' financial futures covering beneficiaries in case of death, providing security for loved ones.
• Business Owners Package Insurance Bundled coverage combining property and general liability for small to medium-sized businesses at affordable rates.
• Commercial Auto Insurance Coverage for business vehicles and employee-operated vehicles protecting against liability, medical costs, comprehensive, and collision claims.
• Commercial Property Insurance Protection for business facilities, equipment, inventory, fixtures, signage, and fencing against storms, fires, natural disasters, theft, and vandalism.
• General Liability Insurance Coverage protecting businesses from claims of bodily injury, property damage, damage to rented premises, medical payments, and advertising errors.
• Workers' Compensation Insurance State-mandated coverage providing medical treatment and partial wage reimbursement for work-related injuries or illnesses.
• Builders' Risk Insurance Coverage protecting construction materials, fixtures, and equipment from weather, fire, theft, vandals, and lightning during building projects.
• Business Interruption Insurance Coverage compensating businesses for lost revenue and continuing expenses during shutdown periods due to disasters like storms, floods, or fires.
• Cargo Insurance Coverage protecting shipped goods in transit by land, sea, or air against damage, loss, theft, and various freight risks.
• Commercial Earthquake Insurance Separate policy protecting businesses against structural and property damage from seismic activity excluded from standard commercial policies.
• Commercial Trucking Insurance Custom policies for trucking operations covering tractors, pickups, tow trucks, box trucks, dump trucks, vans, cargo, and liability.
• Commercial Umbrella Insurance Extra liability coverage providing $1 million to $5 million or more in protection for catastrophic settlements beyond standard policy limits.
• Contractor's General Liability Insurance Stand-alone or BOP-embedded coverage protecting contractors from injury, bodily harm, and property damage claims with specialized risk protection.
• Cyber Liability Insurance Coverage protecting against data breach costs, customer notification requirements, business interruption from cyberattacks, and third-party liability.
• Directors and Officers Liability Insurance Coverage protecting board members and officers from personal liability for wrongful acts, including securities litigation and fiduciary duty allegations.
• Employment Practices Liability Insurance (EPLI) Coverage against employee claims for discrimination, harassment, wrongful termination, and failure to promote on a claims-made basis.
• Farm / Agribusiness Insurance Customized coverage for farms and agribusiness operations protecting against weather impacts, machinery malfunction, and industry-specific risks.
• Garage Insurance Combined coverage for auto trade businesses including general liability, BOP, workers' comp, garagekeepers legal liability, and business interruption.
• Hotel & Motel Hospitality Insurance Package coverage for hospitality businesses including business property, liability, crime, guest property, slip-and-fall, and fire damage.
• Key Person / Employee Insurance Life insurance on essential employees where the company is beneficiary, providing death benefits to help survive loss of key personnel.
• Kidnap & Ransom Insurance Coverage reimbursing ransom payments for kidnappings, extortion, detention, and hijacking for corporations and high-profile individuals.
• Liquor Liability Insurance Coverage required in most states for establishments serving alcohol, protecting against claims from intoxicated patrons causing injury or property damage.
• Manufacturers Insurance Comprehensive coverage for manufacturing businesses including business liability, commercial property, workers' comp, auto, and professional liability.
• Medical Malpractice Insurance Professional liability coverage for healthcare providers protecting against wrongful practice claims including bodily injury and mental anguish.
• Non-Profit Insurance Package coverage for non-profits including general liability, D&O, property, auto, product liability, and professional liability.
• Product Liability Insurance Coverage protecting manufacturers and sellers against lawsuits from product defects, covering bodily injury and property damage claims.
• Professional Liability (Errors & Omissions) Insurance E&O coverage protecting professionals against claims of misrepresentation, negligence, good faith violations, and failure to render service.
• Restaurant & Bar Insurance Hospitality coverage for restaurants and bars including liquor liability, property damage, and general liability protection.
• Special Event Insurance Short-term coverage for one-time events protecting against cancellations, liabilities, and property damage during gatherings.
• Surety Bonds Contractual guarantees ensuring contractors and businesses fulfill obligations to project owners and regulatory bodies.
• Technology Insurance Coverage for technology companies including errors and omissions, cyber liability, and media liability protections.
• Vineyard & Winery Insurance Specialized coverage for vineyards and wineries protecting crops, facilities, equipment, and operations unique to the wine industry.
• Wholesalers & Distributors Insurance Coverage for wholesale and distribution operations including product liability, warehouse property, and business interruption.

Named customers2 records

Segments2 records

Ideal customer profiles2 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 not specified and core.

• AIG (American International Group)not specifiedChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented by QAE Insurance Brokerage, providing commercial and personal insurance products.
• Liberty Mutual Insurancenot specifiedChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented by QAE Insurance Brokerage, including Ohio Casualty subsidiary.
• Nationwide Insurancenot specifiedChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented by QAE Insurance Brokerage for personal and commercial lines.
• The Progressive Corporationnot specifiedChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented by QAE Insurance Brokerage, specializing in auto insurance.
• The Hartford Insurance Group, Inc.not specifiedChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented by QAE Insurance Brokerage for business and personal insurance.
• The Travelers Indemnity Companynot specifiedChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented by QAE Insurance Brokerage for commercial and personal lines.
• Zurich American Insurance Companynot specifiedChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented by QAE Insurance Brokerage for commercial insurance.
• Lloyds of Londonnot specifiedChannel Partner/ Reseller/ DistributorInternational insurance market represented by QAE Insurance Brokerage for specialized coverage.
• State Fund CaliforniacoreChannel Partner/ Reseller/ DistributorCalifornia state-chartered workers compensation insurance carrier, particularly important for California business customers.
• Hagerty Insurancenot specifiedChannel Partner/ Reseller/ DistributorSpecialty insurance carrier represented by QAE Insurance Brokerage for collector/classic car insurance.
• Tokio Marine Managementnot specifiedChannel Partner/ Reseller/ DistributorInternational insurance carrier represented by QAE Insurance Brokerage for commercial coverage.
• AmTrust Insurancenot specifiedChannel Partner/ Reseller/ DistributorSpecialty insurance carrier represented by QAE Insurance Brokerage including AmTrust North America.
• Allied Insurancenot specifiedChannel Partner/ Reseller/ DistributorNational insurance carrier represented by QAE Insurance Brokerage for personal and commercial lines.
• National General Insurance Companynot specifiedChannel Partner/ Reseller/ DistributorNational insurance carrier represented by QAE Insurance Brokerage.
• Philadelphia Indemnity Insurance Companynot specifiedChannel Partner/ Reseller/ DistributorSpecialty insurance carrier represented by QAE Insurance Brokerage for commercial coverage.
• Infinity Insurancenot specifiedChannel Partner/ Reseller/ DistributorSpecialty insurance carrier represented by QAE Insurance Brokerage, particularly for non-standard auto.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Farmers Insurance: Farmers Insurance is a major national P&C carrier that distributes primarily through captive agents in California and across the U.S. It is comparable to QAE because both sell personal and small-commercial insurance in California through a high-touch agent channel, though Farmers is a carrier rather than an independent broker.
• The Hartford: The Hartford is a national carrier that both underwrites and distributes small-business and personal insurance, including through independent agent partners like QAE. It is comparable because Hartford products represent a material share of QAE's commercial book, putting the two in direct commercial-line competition for SMB customers.
• State Farm: State Farm is the largest U.S. personal-lines carrier, distributing through captive agents. Comparable to QAE in that both sell auto, home, and small-business insurance to California households and SMBs through a relationship-led agent model, but State Farm is a captive single-carrier model rather than independent.

Direct peers

• Freeway Insurance: Freeway Insurance is a multi-state independent insurance agency specializing in auto, home, and commercial lines through retail offices and phone/web channels. Comparable to QAE in independent multi-carrier retail brokerage with a California-heavy footprint.
• Brightway Insurance: Brightway is a franchise-based independent insurance agency representing multiple carriers across personal and commercial lines. Directly comparable to QAE in business model — independent agency, multi-carrier panel, free comparative quoting, SMB and household customer focus.
• Goosehead Insurance: Goosehead Insurance is an independent personal-lines agency that represents multiple carriers and sells through a distributed agent network. Highly comparable to QAE because both are independent agencies offering comparative cross-carrier quoting for personal and small-commercial lines.
• Fred Loya Insurance: Fred Loya is an independent insurance agency focused on auto and personal lines with a heavy California/Sun Belt footprint. Comparable to QAE because both are California-anchored independent agencies with strong carrier relationships and a multi-channel sales approach.

Emerging players

• SmartFinancial Insurance: SmartFinancial is a digital insurance comparison and brokerage platform that connects consumers to multiple carriers for personal and small-commercial coverage. Comparable to QAE because both broker multi-carrier insurance, but SmartFinancial leads with a digital experience rather than a physical office.
• Huckleberry Insurance: Huckleberry is a digital-first independent insurance broker offering personal lines across multiple carriers. It is comparable to QAE in serving the same personal-lines customers but represents the digital-broker evolution of the independent agency model.
• CoverHound (CyberPolicy): CoverHound is a digital insurance marketplace/broker offering small-business and personal lines across multiple carriers. Comparable to QAE because both place SMB and personal policies across multiple carriers, but CoverHound leads with an online quoting experience rather than an office-based agency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xqaeinsurance.com/auto-home-and-personal-insurance/motorcycle-insurance
• Facebookqaeinsurance.com/auto-home-and-personal-insurance/renters-insurance
• LinkedInqaeinsurance.com/business-insurance/general-liability-insurance
• Instagramqaeinsurance.com/auto-home-and-personal-insurance

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 QAE Insurance Brokerage