What JD Fulwiler & Co. Insurance does

JD Fulwiler & Co. Insurance is an independent, family-owned insurance agency headquartered in Portland, Oregon, founded in 1988 by Jim Fulwiler and now led across three generations by President Trisha Fulwiler and Director of Marketing Ashley Barto. The agency operates from two physical locations (Portland, OR and Vancouver, WA), is licensed in all 50 states, and serves more than 9,000 businesses and families with a full-spectrum offering organized into five core product categories: Business Insurance, Employee Benefits, Individual Insurance, Court Bonds, and Event Insurance. It also runs specialized industry programs across 15+ verticals including work trucks, trailers, consumer shows, construction, financial institutions, hospitality, nonprofits, transportation, waste and recycling, and wineries, with exclusive association partnerships serving as embedded distribution channels.

The underlying technology stack is intentionally lean and third-party dependent: a CSR24 client portal provides 24/7 certificate-of-insurance generation and policy management, Applied Pay handles invoice processing, and an external Event Insurance Now platform supports event coverage applications. The agency does not operate proprietary underwriting or AI-driven pricing systems, instead leveraging its carrier relationships with AIG, Chubb, Travelers, MetLife, Nationwide, Progressive, and others to assemble customized coverage from multiple markets. Custom industry expertise is concentrated in vertical-specific account executives rather than automated systems.

Revenue is generated through commissions on insurance premiums placed with carriers across commercial lines, personal lines, employee benefits, bonds, and event coverage. Go-to-market is relationship-driven, combining direct field sales at the two offices, toll-free phone sales, website inquiries, and channel partnerships through NTEA, NTDA, NACS, and AGC Health Trust. The agency is consistently ranked among the Top 5 Portland independent agencies by the Portland Business Journal, has remained wholly family-owned with no external investors, and complements its commercial operation with the Fulwiler Foundation, a 501c3 nonprofit established in 2018 that has directed substantial proceeds from its annual Chip In for Children charity golf tournament to more than 30 local nonprofits.

Name

JD Fulwiler & Co. Insurance

Legal name

JD Fulwiler & Co. Insurance

Website

https://jdfulwiler.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

101–250 employees

Short description

JD Fulwiler & Co. Insurance is a family-owned independent insurance agency founded in 1988, serving over 9,000 businesses and families from Portland, OR and Vancouver, WA with commercial, personal, employee benefits, bond, and event insurance across 15+ specialized industry verticals.

Ownership category

akta.pro rank

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, JD Fulwiler earns commissions from insurance carriers for policies placed on behalf of clients. Commission rates are typically a percentage of the premium.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

JD Fulwiler & Co. Insurance is an independent insurance brokerage that places commercial, personal, employee benefits, event, and court bond coverage on behalf of businesses and individuals through multiple carrier partners. The agency operates two physical offices in Portland, OR and Vancouver, WA and is licensed in all 50 states, serving more than 9,000 businesses and families.

Product overview

JD Fulwiler & Co. Insurance is a full-service independent insurance agency organized into five core product categories: Business Insurance (commercial liability, property, auto, crime, cyber, workers' comp, and specialty coverages), Employee Benefits (health, life, disability, wellness, EAP, and voluntary plans), Individual Insurance (auto, home, renters, farm/equine, travel, landlord, and umbrella), Court Bonds (fiduciary and litigation bonds), and Event Insurance (weddings, sports, camps). The agency offers a client self-service portal (CSR24) for certificate generation and policy management. They hold specialized industry expertise across hospitality, nonprofit, transportation, wineries, construction, environmental, financial institutions, and entertainment sectors, and represent multiple insurance carriers to provide customized solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Comprehensive commercial insurance coverage including commercial liability, commercial property, business auto, commercial crime, cyber liability, employment practices, environmental and pollution, executive liability, key person, and workers' compensation insurance for businesses of all sizes.
• Employee Benefits Employer-focused benefit packages including employee health benefits, group life and disability insurance, wellness programs, employee assistance programs, flexible benefit plans, identity fraud coverage, voluntary insurance plans, and COBRA administration.
• Individual Insurance Personal insurance coverage for individuals and families including auto, motorcycle and RV insurance, homeowners, renters, farm and equine, watercraft, pet insurance, health, life and disability, excess liability and umbrella, travel and trip insurance, and landlord coverage.
• Court Bonds Bonding services including court bond solutions, fiduciary bond applications, and litigation bond applications for legal proceedings.
• Event Insurance Specialized coverage for events including weddings, single events, sports events, camps and overnight events, rented equipment, and vendors and exhibitors.
• Industry Association Programs Exclusive insurance programs for industry associations including the NTEA Work Truck Industry Program, NTDA Trailer Industry Program, AGC Health Trust, and National Association of Consumer Shows Event Insurance Program.

Quantifiable outcome

• Serving over 9,000 businesses and families
• +3 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Five partnerships are on record, tiered core.

• NTEA (National Truck Equipment Association)coreChannel Partner/ Reseller/ DistributorExclusive partnership providing customized insurance solutions for NTEA members - work truck manufacturers, distributors, and related businesses. JD Fulwiler serves as the recommended insurance provider for the NTEA Insurance Program.
• NTDA (National Trailer Dealer Association)coreChannel Partner/ Reseller/ DistributorExclusive partnership providing insurance programs for NTDA members - trailer dealers and industry businesses. JD Fulwiler serves as the recommended insurance provider for the NTDA Insurance Program.
• NACS (National Association of Consumer Shows)coreChannel Partner/ Reseller/ DistributorPartnership providing event insurance program for NACS members - consumer show organizers and participants.
• AGC (Associated General Contractors) Health TrustcoreChannel Partner/ Reseller/ DistributorAdministering the AGC Health Trust program providing health benefits for AGC member companies and their employees.
• Various Insurance CarrierscoreOthersPartnerships with multiple insurance carriers including AIG, Allied/Nationwide, Chubb/Ace, CIG, Cincinnati, Foremost, Hagerty, MetLife, Mutual of Enumclaw, Nationwide, Oregon Mutual, PEMCO, Progressive, PURE, Red Shield, Safeco, Travelers, and others to provide competitive coverage options for clients.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Leavitt Group: Network of independent insurance agencies across the western U.S., offering commercial, personal, and benefits lines through regional offices — same independent-agency model with multi-state geography and association-style specialization.
• Heffernan Insurance Brokers: Independent, family-influenced insurance brokerage based in Walnut Creek, CA serving commercial and personal lines across the West Coast with industry specialty programs and association partnerships — comparable in scale, multi-vertical approach, and family-ownership DNA to JD Fulwiler.
• The Liberty Company Insurance Brokers: Mid-market independent insurance brokerage offering commercial, personal, and employee benefits across multiple states with strong construction and specialty-vertical expertise — matches JD Fulwiler's specialty-vertical approach.
• PayneWest Insurance: Top-10 U.S. independent insurance agency headquartered in Boise, ID with deep Pacific Northwest presence, multi-line commercial/personal/benefits offerings, and a branch-based service model — most direct geographic and structural comparable to JD Fulwiler.
• Brown & Riding Insurance Services: Specialty wholesale insurance brokerage placing complex and hard-to-place commercial risks — adjacent to JD Fulwiler's specialty vertical expertise in transportation, environmental, hospitality, and niche industries.
• IMA Financial Group: Employee-owned independent insurance broker specializing in commercial, personal, and benefits lines across multiple regions — comparable multi-line independent agency of similar mid-size scale.

Broad incumbents

• AssuredPartners: One of the largest U.S. independent insurance brokerage roll-ups, PE-backed, with extensive commercial, personal, and benefits offerings nationwide — represents the consolidation threat and scale benchmark relative to independent agencies like JD Fulwiler.
• PCF Insurance Services: PE-backed roll-up acquiring independent agencies across commercial, personal, and benefits lines — direct consolidator of regional independents like JD Fulwiler with national reach.
• Hub International: Large North American insurance brokerage serving commercial, personal, and benefits markets through broad carrier access and regional offices — comparator on multi-line, multi-state independent agency brokerage model.
• USI Insurance Services: Large national insurance brokerage serving commercial and personal lines clients across all 50 states — broader incumbent running the same independent-broker distribution playbook with far greater capital.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 JD Fulwiler & Co. Insurance