R & A Insurance Services

What R & A Insurance Services does

Tropolis, operating under R & A Insurance Services, is a private US insurance agency (Tropolis Holdings LLC) headquartered in Michigan with 14 office locations across six states — Michigan, Oregon, Wisconsin, Illinois, Louisiana, and Texas — and 11-50 employees. The agency sells Business Insurance, Employee Benefits, and Personal Insurance through a platform-plus-local-agents distribution model: trained local agents deliver face-to-face service from physical offices while customers can also initiate online quote requests via the corporate website (tropolis.com).

The product portfolio is anchored in three core lines — Business Insurance (commercial property, general liability, workers' compensation, business interruption, professional liability), Employee Benefits (health, dental, vision, life, disability, retirement), and Personal Insurance (home, auto, life, recreational vehicles) — and is extended by 12 specialized Industry Practice Groups targeting restaurants & hospitality, scrap metal dealers, automotive, contractors & construction, healthcare (medical malpractice, senior living), professional services / executive risk, technology / cyber, and real estate. Underlying technology is a standard insurance-agency platform with online quote capabilities and a carrier management system; proprietary technology features are not disclosed. The agency is supported by an AgencySight valuation tool and a partner portal (app.tropolis.com) used for agent and partner recruitment.

The business model is commission-based revenue earned from appointments with 275+ insurance carriers (including Accident Fund, Aflac, Allianz, Allstate, Chubb, CNA, Liberty Mutual, Progressive, Travelers, and Berkshire Hathaway, among others), with monthly billing on policies sold. GTM is sales-led via local agents, complemented by industry-specific landing pages and a content/blog presence for top- and mid-funnel demand generation. No revenue, funding, or headcount trend is publicly disclosed.

Name

R & A Insurance Services

Legal name

Tropolis Holdings LLC

Website

https://ra-insurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

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

akta.pro industry

PRIMARYFSAJADAA

Commercial General Liability (CGL)

Financial & Insurance/Insurance — Motor, Property & Casualty/General Liability Insurance

SECONDARYFSAJADAF

Directors & Officers (D&O) Liability

Financial & Insurance/Insurance — Motor, Property & Casualty/General Liability Insurance

SECONDARYFSAJAMAE

General Liability Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

Keywords

• Insurance agency services
• Commercial insurance coverage
• Personal insurance products
• Employee benefits programs
• Industry-specific insurance

Headquarters

HQ city

Shelby

HQ country

United States

HQ region

North America

Offices14 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: Tropolis acts as an insurance agency earning commissions from the 275+ insurance carriers they represent. Revenue is generated through commissions on policies sold to business and personal insurance customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

R & A Insurance Services operates as an insurance agency that distributes Business Insurance, Employee Benefits, and Personal Insurance lines through a network of local agents and 275+ carrier partnerships. The agency offers industry-specific coverage through practice groups serving restaurants, hospitality, scrap metal dealers, automotive, contractors, construction, healthcare, professional services, technology, and real estate sectors. Coverage spans commercial property, general liability, workers compensation, professional liability, cyber liability, home, auto, life, and recreational vehicle insurance.

Product overview

Tropolis is an innovative insurance agency offering a comprehensive portfolio of insurance products through a platform-plus-local-agents model. The core offerings include Business Insurance, Employee Benefits, and Personal Insurance, supported by 12 specialized Industry Practice Groups covering sectors such as Restaurants & Hospitality, Scrap Metal Dealers, Automotive, Contractors & Construction, Healthcare (Medical Malpractice, Senior Living), Professional Services, Technology/Cyber Insurance, and Real Estate. The agency partners with 275+ insurance carriers to provide competitive pricing with a local, relationship-focused approach.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Commercial insurance coverage for businesses providing financial protection against unexpected events and risks, including commercial property, general liability, workers compensation, business interruption, and professional liability. Designed for SMB buyers across multiple verticals including restaurants, hospitality, scrap metal dealers, automotive, contractors, construction, healthcare, professional services, technology, and real estate.
• Employee Benefits Benefits programs for employees including health insurance, dental, vision, life insurance, disability coverage, and retirement benefits. Targeted at employers seeking to build or refresh benefits packages for talent attraction, retention, wellness, and compliance.
• Personal Insurance Insurance coverage for individuals and families including home, auto, life, and recreational vehicle insurance. Designed for personal asset protection and family financial security against unexpected events, sourced through local agents and the agency's 275+ carrier panel.
• Restaurants & Hospitality Insurance Specialized insurance coverage for restaurants and hospitality businesses, tailored to the unique operational, liability, and property risks of food service operators.
• Scrap Metal Dealers Insurance Insurance coverage tailored for scrap metal dealers and recycling businesses, addressing the specialized property, liability, and environmental exposures of the scrap and recycling industry.
• Automotive Insurance Insurance coverage for automotive businesses and dealers, addressing dealer-specific property, liability, and operational risks.
• Contractors & Construction Insurance Insurance coverage for contractors and construction companies, covering the operational, liability, and property risks specific to construction projects.
• Medical Malpractice Insurance Professional liability insurance for healthcare providers covering medical malpractice claims, supporting physicians and other healthcare practitioners facing malpractice exposure.
• Senior Living Insurance Insurance coverage for senior living facilities and care providers, addressing the operational, professional liability, and abuse-and-neglect exposures of senior care operators.
• Professional Services / Executive Risk Insurance Coverage for professional services firms including executive risk and professional liability products addressing errors and omissions, directors and officers exposure, and similar professional risks.
• Technology / Cyber Insurance Insurance coverage for technology companies including cyber liability protection, addressing data breach, cyber extortion, and technology errors and omissions exposures.
• Real Estate Insurance Insurance coverage for real estate agencies, property managers, and landlords, addressing property, liability, and operational risks specific to real estate operations.

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

20 partnerships are on record, tiered minor.

• Accident FundminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Accident Fund insurance products to customers through their agency network.
• AflacminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Aflac supplemental insurance products.
• AllianzminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Allianz insurance products.
• AllstateminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Allstate insurance products.
• American FamilyminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers American Family insurance products.
• AmeritasminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Ameritas insurance and financial products.
• AmeriTrustminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers AmeriTrust insurance products.
• Berkshire HathawayminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Berkshire Hathaway insurance products including Guard insurance.
• Blue Cross Complete of MichiganminorChannel Partner/ Reseller/ DistributorHealth insurance carrier partnership for Michigan market.
• ChubbminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Chubb commercial and personal insurance products.
• CNAminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers CNA commercial insurance products.
• Crum & ForsterminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Crum & Forster insurance products.
• Farmers InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Farmers Insurance products.
• ForemostminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Foremost specialty insurance products.
• HartfordminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Hartford commercial insurance products.
• Liberty MutualminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Liberty Mutual insurance products.
• MarkelminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Markel specialty insurance products.
• NationwideminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Nationwide insurance products.
• ProgressiveminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Progressive auto and commercial insurance products.
• TravelersminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership - Tropolis offers Travelers commercial and personal insurance products.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Marsh McLennan Agency: U.S. middle-market brokerage arm of Marsh McLennan serving commercial, benefits, and personal lines for businesses of all sizes. Same customer types and product mix, but with substantially greater resources, carrier leverage, and risk advisory capabilities.
• Hub International: Large North American insurance brokerage offering commercial, personal, and employee benefits across many states including significant Michigan presence. Overlaps heavily on product set and customer segments but operates at much larger scale and broader geographic footprint.
• Arthur J. Gallagher & Co. Major global insurance brokerage and risk management firm (NYSE: AJG) with a large U.S. retail brokerage division serving commercial, benefits, and personal lines. Same product categories and customer base; meaningfully larger, publicly traded, with global capabilities Tropolis does not offer.

Direct peers

• NFP: Insurance brokerage and benefits consultancy (acquired by Aon) built by aggregating independent agencies and benefits firms. Comparable on carrier-agnostic multi-line brokerage, employee benefits emphasis, and acquisition-led growth across U.S. regions.
• Higginbotham: Texas-headquartered independent insurance brokerage with multiple office locations and broad carrier representation across commercial, personal, and benefits lines. Closely comparable mid-sized multi-state independent agency with industry practice depth and a hybrid online/local distribution model.
• Holmes Murphy: Independent U.S. insurance brokerage with strong commercial and employee benefits focus and multiple offices across the Midwest. Closely comparable mid-sized independent brokerage with industry specialization and carrier-agnostic placement.
• Goosehead Insurance: Publicly traded independent insurance agency (NASDAQ: GSHD) operating a franchised agent model with access to multiple carriers and an online quote platform. Same core business — independent agency intermediation across personal and commercial lines — with a more franchised, tech-forward distribution twist.
• Acrisure: Private, technology-enabled insurance brokerage built aggressively through acquisitions of independent agencies and brokerages. Direct comparable on agency roll-up thesis, multi-line P&C and benefits, and platform-plus-local-agents distribution.
• Brown & Brown: Large national insurance brokerage (NYSE: BRO) that has scaled primarily by acquiring independent agencies and consolidating them onto a shared carrier network and operating platform. Same product lines, same distribution philosophy, same customer base — but at significantly greater scale.

Emerging players

• Lemonade: Digital-first, AI-native insurance carrier (NYSE: LMND) selling personal lines (renters, homeowners, pet, auto) direct-to-consumer via mobile app. Not a direct brokerage competitor, but the most prominent disruptor compressing margins and customer acquisition costs in the personal-lines segment that Tropolis also serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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 R & A Insurance Services