Every Day Insurance

What Every Day Insurance does

Every Day Insurance is a privately held independent insurance agency headquartered at 3977 Normal Street in San Diego, California, founded in 2009 and operating with 1-10 employees. It distributes personal and commercial insurance products on behalf of a roster of more than a dozen carrier partners — including Mercury, Progressive, Foremost, Dairyland, Arrowhead, Kemper/Infinity, Mendota, Allianz, Unitrin, SCJ, and Robert Moreno — as well as a third-party platform partner (Thimble) for contractor insurance. The agency's product surface spans roughly 35-40 SKUs, including personal lines (auto, home, life, motorcycle, boat/PWC, flood, SR-22, condo, renters, umbrella, landlord, ATV, classic car, earthquake, mobile home, short-term rental, Mexico auto) and commercial lines (BOP, commercial auto, general liability, commercial property, commercial real estate, workers comp, contractor, restaurant, retail, cyber liability, professional liability, liquor liability, surety bonds, builders risk, trucking, farm/ranch, church, medical office, HOA, apartment owners, daycare, EPLI).

The business model is commission-based: the agency earns a percentage of premiums placed with carrier partners and does not underwrite risk itself. GTM is sales-led and direct-to-consumer, centered on phone inquiries (619-297-4111), online quote forms (with carrier-routed underwriting behind the scenes), and a content/blog channel. Customer segments are individual consumers/families, SMBs (including contractors, restaurants, retailers), and specialty-coverage customers (SR-22, high-risk drivers). There is no mobile app, no public API, and no disclosed AI/ML capability; technology is limited to a marketing website plus carrier integrations. The company is bootstrapped with no parent, no funding rounds, no acquisitions, and no disclosed revenue or headcount trajectory, and it is licensed/operating solely in California with a San Diego metro focus.

Name

Every Day Insurance

Legal name

Every Day Insurance

Website

https://safelyinsured.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Every Day Insurance is an independent, privately held insurance agency in San Diego, CA that distributes personal and commercial policies through 12+ carrier partnerships, serving individuals, families, and SMBs across California via phone and online channels.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Full-Coverage Personal Auto Insurance (FSAJAAAF)

Keywords

• Personal insurance brokerage
• Commercial insurance agency
• Auto insurance quotes
• Home insurance coverage
• Business insurance policies

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, Every Day Insurance earns revenue through commissions paid by insurance carrier partners. The agency sells policies from multiple insurance companies and receives a percentage of premiums as commission.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Every Day Insurance is an independent insurance brokerage that sells personal and commercial insurance policies on behalf of multiple carrier partners to individuals, families, and small-to-medium businesses in San Diego and throughout California. The agency shops coverage across 12+ carriers (Mercury, Progressive, Foremost, Dairyland, Arrowhead, Kemper, Allianz, Mendota, Unitrin, and others) and earns commissions on bound policies. Operations are run out of a San Diego headquarters and a secondary El Cajon office via phone, website quote forms, and carrier-hosted quote platforms.

Product overview

Every Day Insurance is an independent insurance agency based in San Diego, CA, offering a comprehensive portfolio of personal and commercial insurance products. Their personal insurance offerings include auto, home, life, motorcycle, boat, flood, SR-22, condo, renters, umbrella, landlord, ATV, classic car, earthquake, mobile home, short-term rental, and Mexico auto insurance. Their commercial insurance products span business owners policies (BOP), commercial auto, general liability, commercial property, commercial real estate, workers compensation, contractor insurance, and specialty lines including restaurant, retail, cyber liability, professional liability, liquor liability, surety bonds, builders risk, trucking, farm/ranch, church, medical office, HOA, apartment owners, daycare, and EPLI coverage. The agency operates as a broker representing multiple carrier partners including Mercury, Progressive, Foremost, Dairyland, Arrowhead, Kemper, and others to provide customized coverage solutions for individuals and businesses throughout California.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for personal vehicles including collision, liability, comprehensive, and uninsured motorist protection. Includes specialty offerings for classic and collectible vehicles, ATV, and high-risk drivers. Sold to individual consumers and families in California through partner carriers.
• Home Insurance Protection for homes against fire, theft, weather damage, and liability coverage for injuries on the property. Sold to homeowners in California.
• Life Insurance Term and whole life insurance policies providing financial security for families including final expenses, income replacement, and debt clearance.
• Motorcycle Insurance Coverage for motorcycles including collision, liability, theft, vandalism, and weather damage protection.
• Boat & PWC Insurance Protection for boats and personal watercraft covering physical damage, liability, medical payments, and personal belongings.
• Flood Insurance Coverage for flood damage to homes and personal property, including structural coverage, personal belongings, and temporary living expenses.
• SR-22 Insurance Certificate of Financial Responsibility filing service for California DMV requirements after DUI, license suspension, or other driving violations.
• Earthquake Insurance Separate coverage for earthquake damage to homes and properties in California.
• Umbrella Insurance Extra liability coverage layer providing additional protection beyond standard auto and home policies.
• Mexico Auto Insurance Coverage for vehicles traveling into Mexico, including auto, watercraft, homeowners, and travel insurance options.
• Business Owners Insurance (BOP) Comprehensive business insurance package combining property damage, liability, and employee injury coverage for small and mid-sized businesses.
• Commercial Auto Insurance Coverage for business vehicles including collision, comprehensive, personal injury protection, and liability.
• General Liability Insurance Protection against bodily injury, property damage, and legal defense costs for businesses.
• Workers Compensation Insurance Coverage for work-related injuries, medical expenses, lost wages, and rehabilitation costs for employees.
• Contractor Insurance Tailored coverage for contractors including bodily injury, property damage, professional liability, and equipment protection.
• Specialty Commercial Insurance Lines Specialized commercial coverages including restaurant, retail store, cyber liability, professional liability, liquor liability, surety bonds, builders risk, trucking, farm/ranch, church, medical office, HOA, apartment owners, daycare, and EPLI coverage for niche business categories.

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered primary, core and minor.

• Mercury InsuranceprimaryChannel Partner/ Reseller/ DistributorPrimary insurance carrier partner offering auto, home, condo, and other personal insurance products. Customers can obtain quotes through Mercury's platform and agency handles policy service and claims.
• Progressive InsuranceprimaryChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and other personal insurance products through the agency.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering specialized coverage options through the independent agency.
• ArrowheadcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and specialty insurance products.
• Dairyland InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering auto and specialty insurance products, including high-risk driver coverage.
• Kemper/InfinitycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and specialty insurance products.
• Mendota InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering auto insurance products.
• AllianzcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing various insurance products.
• UnitrincoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering auto and specialty insurance products.
• ThimbleminorChannel Partner/ Reseller/ DistributorThird-party platform partner for contractors insurance quote requests, directing customers to Thimble's instant quote and binding platform.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Lemonade: Direct-to-consumer insurance carrier using AI and behavioral economics to sell renters, home, auto, pet, and life insurance online. Represents the growing DTC channel that competes with Every Day Insurance for price-sensitive personal lines customers.
• Thimble: Insurtech company offering contractor and small commercial insurance on a self-serve, monthly subscription basis. Listed as an actual partner of Every Day Insurance and represents the emerging digital-native brokerage model that competes with traditional agencies.

Regional players

• Keenan & Associates: California-based insurance brokerage and consulting firm serving public agencies, schools, and commercial clients. Comparable to Every Day Insurance in California-based independent agency model but with a more institutional client focus.
• Heffernan Insurance Brokers: Independent insurance brokerage headquartered in the San Francisco Bay Area serving California and the West Coast. Comparable to Every Day Insurance as an independent agency offering personal and commercial lines through multiple carrier partners, though at a larger scale.
• InterWest Insurance Services: West Coast independent insurance agency offering personal and commercial lines through multiple carrier partners. Comparable to Every Day Insurance in multi-carrier brokerage model and California-focused footprint.

Broad incumbents

• Hub International: Large North American insurance brokerage with regional offices serving personal and commercial clients through multiple carrier partnerships. Comparable independent agency model to Every Day Insurance, though at meaningfully larger scale.
• Arthur J. Gallagher: Global insurance brokerage and risk management firm with a large retail agency segment serving personal and commercial clients. Comparable to Every Day Insurance as an independent broker but operating at global scale with deeper specialty resources.
• Brown & Brown: Large publicly traded insurance brokerage and agency operator offering personal, commercial, and specialty insurance through multiple offices. Comparable to Every Day Insurance in business model (independent agency) but at vastly greater scale and geographic reach.

Direct peers

• Leavitt Group: National network of independent insurance agencies offering personal, commercial, and benefits products through multiple carrier partners. Closely comparable to Every Day Insurance in operating model (independent agency with multi-carrier access) and target customer mix.
• Higginbotham: Independent insurance and financial services firm offering commercial, personal, and employee benefits coverage across multiple states. Comparable business model to Every Day Insurance as an independent agency leveraging multiple carrier relationships.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Every-Day-Insurance-Services-Inc-Ben-Huggins-157920597562108
• LinkedInlinkedin.com/company/every-day-insurance-services-inc.

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 Every Day Insurance