1st Insurance Group

What 1st Insurance Group does

1st Insurance Group is an independent insurance agency operating from a single office at 2033 E Warner Rd Ste 102 in Tempe, Arizona, serving individuals, families, and small-to-large businesses primarily within the Arizona market. The agency distributes a broad product portfolio spanning personal lines (auto, homeowners, renters, condo, life, umbrella, flood, boat, motorcycle, ATV/powersports, recreational vehicle, collector car, high-net-worth, and specialty dwelling) and commercial lines (business owners policies, workers compensation, contractors, commercial auto, business property, commercial umbrella, general liability, professional liability, restaurant, group benefits, risk management, and 35+ additional specialty lines), along with a dedicated trucking insurance vertical for owner-operators and carriers.

The agency operates as a commission-based brokerage rather than a technology platform: agents shop quotes across a network of named carrier partners (Progressive, Travelers, Hartford, Liberty Mutual, Safeco, Foremost, Hagerty, Philadelphia, Mutual of Enumclaw, Geovera, CBIC, and others) using a web-based quote and policy management workflow, advertising that 90% of quotes are completed within 24 hours and offering 24/7 claims support. The firm is a Dave Ramsey Endorsed Local Provider (ELP), which serves as a top-of-funnel referral channel into Ramsey Solutions' audience of financially-conscious consumers.

Revenue is generated entirely through carrier-paid commissions on policies sold and serviced, with no direct customer fees. Distribution is sales-led and direct-to-consumer, combining online quote forms, phone (480-883-9977), email, in-person consultations at the Tempe office, a "Refer Friends & Family" program, and the Dave Ramsey ELP referral network. The team is small — three to six people including agents Paul Sherman and Alyssa McCullough plus a CSR named Morgan — with active hiring for additional licensed agents, CSRs, an intern, and a life insurance agent, and the company is structured as a privately held Arizona LLC with no disclosed institutional investment or parent entity.

Name

1st Insurance Group

Legal name

1st Insurance Group, LLC

Website

https://1stinsurancegroup.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

1st Insurance Group is an independent, commission-based insurance agency in Tempe, Arizona that shops personal, commercial, trucking, and specialty lines across multiple carrier partners for individuals, families, and businesses in the Arizona market.

Ownership category

akta.pro rank

Headquarters

HQ city

Chicago

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, 1st Insurance Group earns commissions from insurance carriers for policies sold and serviced. Commissions are paid by insurance companies, not customers, making the service free to customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

1st Insurance Group is an independent insurance agency based in Tempe, Arizona that sells personal and commercial insurance products on behalf of customers. The agency shops multiple top-rated insurance carriers to find the best combination of coverage and price, acting as a professional liaison rather than representing any single insurer. It earns commissions from carriers while providing its advisory and policy-servicing services free to customers.

Product overview

1st Insurance Group is an independent insurance agency in Tempe, Arizona offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency operates as a single-location insurance brokerage rather than a technology platform. Their product portfolio is organized into Personal Insurance (including auto, homeowners, boat, motorcycle, umbrella, specialty dwelling, life, collector car, condo, flood, high net worth, ATV/powersports, renters, recreational vehicle, and health insurance) and Commercial Insurance (including business/commercial, workers compensation, contractors, commercial auto, business property, commercial umbrella, general liability, risk management, professional liability, restaurant, group benefits, and truckers insurance). Additional commercial lines extend to 35+ specialty coverage types. The agency is also a Dave Ramsey ELP endorsed provider, providing an additional trust and service standard for consumers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Standard auto insurance covering vehicles, liability, collision, comprehensive, and uninsured/underinsured motorist protection for Arizona drivers. Shopped across multiple carrier partners.
• Homeowners Insurance Homeowners insurance covering dwelling, other structures, personal property, loss of use, medical expenses, and personal liability for homeowners.
• Boat Insurance Watercraft insurance covering liability, physical damage, medical payments, uninsured boater coverage, fuel spill liability, personal effects, and emergency assistance.
• Motorcycle Insurance Motorcycle insurance covering street cycles, Harley Davidsons, trike conversions, cruisers, classic bikes, touring bikes, dirt bikes, and ATVs.
• Umbrella Insurance Stand-alone personal liability policy providing additional coverage limits (typically $1M-$5M) above underlying auto and homeowners policies.
• Specialty Dwelling Insurance Insurance for rental properties, vacant homes, seasonal/vacation homes, older/lower-value homes, and homes under construction.
• Life Insurance Term and Whole life insurance products providing financial protection for families, covering death benefits, charitable donations, estate taxes, and final expenses.
• Collector Car Insurance Classic and collector car insurance with special provisions and coverages designed for vintage and collectible vehicles.
• Condo Insurance HO-6 policy covering condo units from drywall in, protecting floors, walls, cabinets, and fixtures not covered by association insurance.
• Flood Insurance Stand-alone flood insurance policies covering flood damage not included in standard homeowners insurance, with 30-day waiting period typically required.
• High Net Worth Insurance Concierge-level insurance for high-net-worth households covering primary/secondary/vacation homes, private collections, identity theft, artwork, high-value autos, and excess liability.
• ATV & Powersports Insurance Insurance for all-terrain vehicles (ATVs), quads, and powersports vehicles with specialized coverage tailored to off-road enthusiasts.
• Renters Insurance Renters insurance covering personal property against theft or damage, liability protection, and medical payments coverage for guests.
• Recreational Vehicle Insurance RV insurance for motorhomes, travel trailers, campers, and horse trailers with liability, stated value, agreed value, or replacement cost options.
• Health Insurance Individual and group health insurance plans with access to multiple providers, covering deductible options, co-insurance, waiting periods, and exclusions.
• Business Insurance / Commercial Insurance Commercial package policies and business owners policies (BOP) providing coverage for business property, liability, and casualty needs for retailers, wholesalers, contractors, and electricians.
• Workers Compensation Insurance State-mandated workers comp coverage protecting employees from work-related injury or illness, covering lost wages and medical treatment.
• Contractors Insurance Insurance for independent contractors including general liability, completed operations, advertising personal injury, and professional liability/E&O coverage.
• Commercial Auto Insurance Commercial vehicle insurance for company cars, cargo vans, limos, taxis, buses, SUVs, and pickup trucks with liability, collision, comprehensive, and medical payments coverage.
• Business Property Insurance Commercial property insurance covering buildings, business personal property, lost income, and business interruption for business owners.
• Commercial Umbrella Insurance

Quantifiable outcome

• 90% of insurance quotes complete within 24 hours or less
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Twelve partnerships are on record, tiered minor and core.

• CBIC InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services. Customers can manage accounts and pay bills through CBIC's online portal.
• Geovera InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services for customers.
• Hartford InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services for customers.
• Mutual of EnumclawminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services for customers.
• Progressive InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services for customers.
• Travelers InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services for customers.
• Foremost InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services for customers.
• Hagerty InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in collector car insurance, providing billing and account management services for customers.
• Liberty Mutual InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services for customers.
• Philadelphia InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services for customers.
• Safeco InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing billing and account management services for customers.
• Dave Ramsey (Ramsey Solutions)coreGTM or Marketing PartnerBeing a Dave Ramsey ELP (Endorsed Local Provider) insurance agency means they are held to a higher standard and provide highest level of service. This affiliation provides access to Ramsey Solutions' audience of financially-conscious consumers who are referred to ELP agencies.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Heffernan Insurance Brokers: Independent insurance brokerage providing personal, commercial, and employee benefits coverage through multiple carrier partners, directly comparable in business model and customer mix.
• Leavitt Group: Independent insurance agency serving individuals and businesses across multiple states with a multi-carrier model similar to 1st Insurance Group, including personal, commercial, and benefits lines.
• Goosehead Insurance: Publicly traded independent insurance agency that distributes personal and commercial coverage through a multi-carrier shopping model, closely mirroring 1st Insurance Group's core value proposition.
• Integrity Marketing Group: Leading independent distributor of life, health, and annuity products supporting thousands of agents with carrier partnerships, similar independent distribution and commission-based model.

Broad incumbents

• HUB International: Major North American insurance brokerage distributing personal, commercial, and specialty coverage through carrier partnerships, comparable model to 1st Insurance Group but at much greater scale.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm offering property/casualty and benefits brokerage across commercial and personal lines, structurally similar as an independent broker.
• Brown & Brown Insurance: Large publicly traded independent insurance broker delivering commercial, personal, and benefits solutions across the U.S., broader scale but same multi-carrier brokerage model as 1st Insurance Group.

Others

• Allstate: Major U.S. personal lines carrier primarily via captive agents; competes directly for auto/home prospects in the same Arizona market but lacks independent multi-carrier shopping.
• State Farm: Largest U.S. personal lines insurer operating through captive agents; competes for the same auto and home customers in Arizona but uses a single-carrier model rather than 1st Insurance Group's independent approach.

Emerging players

• Lemonade: Digital-first consumer insurer selling auto, home, and renters coverage directly online; targets the same personal lines customers as 1st Insurance Group with a fundamentally different distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/1stInsuranceGroup
• Xx.com/1stInsuranceGrp
• LinkedInlinkedin.com/company/1st-insurance-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 1st Insurance Group