Christopher Togawa Insurance Agency

What Christopher Togawa Insurance Agency does

Christopher Togawa Insurance Agency (CTIA) is an independent insurance brokerage founded in 1988 and headquartered in Seattle, Washington. The firm represents multiple insurance carriers rather than being captive to a single company, and earns revenue through placement and renewal commissions on personal-lines policies (auto, home, renters, umbrella) plus specialty coverages such as earthquake, flood, motorcycle, recreational boat, and commercial life and disability. CTIA operates with a four-person team led by principal Christopher Togawa, alongside licensed agents Diane Yuen-Ginnett and Erwin Eykel, and agency assistant Amy Sims.

CTIA's go-to-market is relationship-driven and locally focused on the Pacific Northwest. Customers initiate contact via a website quote form, phone, or email, and are matched to carriers through a free SMART Insurance Review process that reassesses coverage against life changes and financial goals. Distribution is direct-to-consumer with no field sales force, no mobile application, and no documented API or platform integrations. Marketing relies on the company website, an enews newsletter, a YouTube channel, and customer testimonials rather than paid acquisition or partnerships.

The business model is commission-based recurring revenue tied to policy renewals, with PEMCO Insurance identified as a primary carrier partner. There is no external funding, no M&A activity, no subsidiary structure, and no proprietary technology product; the company's competitive position rests on multi-carrier access, 37 years of operating history, and long-tenured customer relationships spanning 20+ years.

Name

Christopher Togawa Insurance Agency

Legal name

Christopher Togawa Insurance Agency

Website

https://www.togawa-insurance.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

Christopher Togawa Insurance Agency is an independent, Seattle-based insurance brokerage founded in 1988. A four-person team places personal-lines and specialty insurance (auto, home, umbrella, earthquake, flood, motorcycle, boat, commercial life/disability) with multiple carriers for individuals and small businesses in the Pacific Northwest, earning recurring carrier commissions.

Ownership category

akta.pro rank

Headquarters

HQ city

Seattle

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, Others

Revenue model

1. Insurance Commissions: As an independent insurance agency, CTIA earns commissions from multiple insurance carriers for policies placed on behalf of clients. Commission structure includes initial policy placement fees and renewal commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Christopher Togawa Insurance Agency (CTIA) is an independent insurance agency in Seattle, WA that represents multiple insurance carriers to place personal lines coverage for individuals and select commercial clients. The agency sells Auto, Homeowners, Renter's, Umbrella, Earthquake, Flood, Motorcycle, Recreational Boat, and Commercial Life & Disability insurance policies, and complements these offerings with a free SMART Insurance Review service that assesses clients' existing coverage against their current life circumstances and financial goals.

Product overview

CTIA is an independent insurance agency offering a portfolio of insurance products rather than a unified software platform. The core products include Auto Insurance, Homeowners Insurance, and Renter's Insurance, complemented by additional coverage types (Umbrella, Earthquake, Flood, Motorcycle, Recreational Boat, and Commercial Life & Disability). The agency also provides a SMART Insurance Review service—a personalized insurance assessment that helps clients evaluate their existing coverage against their current life circumstances and financial goals. As an independent agency, CTIA represents multiple insurance companies to provide customized protection plans.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Comprehensive auto insurance coverage for responsible drivers in the Pacific Northwest, offering custom policies tailored to individual needs and risk tolerance, sourced from multiple carrier partners via the agency's independent-broker relationship.
• Homeowners Insurance Protection for homeowners covering dwelling, personal property, personal liability, loss of use, and guests' medical coverage, including events such as housefires, break-ins, and windstorm damage, sourced from multiple carrier partners.
• Renter's Insurance Coverage for renters protecting against theft, fire or water damage, loss of use, and personal liability, including coverage while traveling internationally, sourced from multiple carrier partners.
• Umbrella Insurance Additional liability coverage providing extra protection beyond the limits of standard auto and home insurance policies, sourced from multiple carrier partners.
• Earthquake Insurance Specialized coverage for earthquake-related property damage relevant to the Pacific Northwest region, sourced from multiple carrier partners.
• Flood Insurance Coverage for flood-related property damage, sourced from multiple carrier partners.
• Motorcycle Insurance Insurance coverage for motorcycle owners, sourced from multiple carrier partners.
• Recreational Boat Insurance Insurance coverage for recreational watercraft owners, sourced from multiple carrier partners.
• Commercial Life & Disability Insurance Business-oriented insurance products covering life and disability protection for commercial clients, sourced from multiple carrier partners.
• SMART Insurance Review A free insurance review service that assesses existing coverage, evaluates alignment with life changes and financial goals, and helps ensure protection plans are up-to-date and appropriate for the client's circumstances.

Quantifiable outcome

• Over 90% of customers who switch save money while receiving better coverage

Named customers5 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• PEMCO InsuranceprimaryOthersPEMCO Insurance is a regional insurance carrier in the Pacific Northwest. CTIA serves as an independent agent placing customer policies with PEMCO, as evidenced by testimonials from customers (Elen A. Sale) who have been insured through PEMCO with Christopher Togawa as their agent for 20 years.

Scale indicators3 records

Recent moves3 records

Expansion highlights3 records

Regional players

• PEMCO Insurance: Pacific Northwest-based mutual insurance carrier offering auto, home, and umbrella coverage. PEMCO is both a key carrier partner for CTIA and a regional competitor for the same Seattle customer base.
• Frankenmuth Insurance: Regional mutual insurance carrier operating across the Midwest and select Western states. Analogous mid-sized regional carrier model that often partners with or competes against local independent agencies.

Broad incumbents

• State Farm: Largest US personal lines insurer distributing through captive agents. Competes directly with CTIA for auto, home, and umbrella customers in the Seattle market via its agency force.
• Allstate: National P&C insurer selling through captive agents and direct channels. Overlaps with CTIA across auto, home, and umbrella lines and competes for the same Seattle consumer.
• Liberty Mutual: National P&C carrier offering auto, home, and specialty coverage through agents, brokers, and direct channels. Competes with CTIA in the personal lines segment in Seattle.
• Farmers Insurance: National P&C insurer distributing via captive agents. Targets the same homeowner and auto segments as CTIA in the Pacific Northwest.
• GEICO: Direct-to-consumer national P&C carrier with strong brand recognition. Competes with CTIA on auto insurance pricing and convenience for Seattle consumers.

Emerging players

• Lemonade: Digital-first P&C insurer offering renters, homeowners, and auto through a mobile app. Represents the direct, technology-led model that pressures traditional independent agencies like CTIA.
• SmartFinancial: Digital insurance comparison platform that aggregates quotes from multiple carriers for consumers. Represents the technology-enabled aggregator model competing with traditional independent agents like CTIA for online quote-driven buyers.

Direct peers

• Hagerty: Specialty insurance provider focused on collector vehicles and enthusiast segments. Comparable to CTIA's specialty-line expertise (motorcycle, recreational boat) within personal lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/channel/UCxpRqV9d7bV837xnhaWqgSw/featured
• LinkedInlinkedin.com/company/christopher-togawa-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Christopher Togawa Insurance Agency