What Lloyd's Insurance does

Lloyd's Insurance (legally Lloyd's, Inc., DBA Lloyd's Insurance and Real Estate) is a privately held, family-owned independent insurance agency and real estate brokerage headquartered at 103 S. 2nd Ave., Walla Walla, Washington. Founded in 1929, the firm has operated continuously in the Walla Walla Valley for over 95 years and serves individuals, families, small businesses, contractors, and agricultural operations in southeastern Washington. The company is not affiliated with Lloyd's of London.

The firm operates two principal divisions. The insurance division, staffed by approximately 11 licensed producers and specialists, is organized across four core lines — Auto & Home (homeowners, auto, RV/motorcycle, boat, personal umbrella), Business & Farm (commercial, farm/ranch, contractor, surety bonds), Crop (MPCI, crop hail/fire, hay fire for wheat, peas, barley, grapes, onions, corn, alfalfa, canola), and Life & Health (life, health, Medicare supplements, disability, long-term care, fixed annuities). Life and annuity products are placed through the wholly-owned subsidiary Lloyd's Life Sales, Inc. The real estate division, run by two designated brokers, handles residential, commercial, and land transactions in the Walla Walla Valley with MLS access. As an independent agency, Lloyd's represents multiple carriers (named carriers include Safeco, Nationwide, Travelers, and Progressive) and is affiliated with the Trusted Choice® network.

Revenue is generated almost exclusively through insurance brokerage commissions earned on policy placements across personal, commercial, life, health, crop, and annuity lines, supplemented by real estate transaction fees. Pricing is quote-based and tailored to individual risk profiles, with billing on a monthly cadence; the agency offers in-person service at its Walla Walla office, phone-based sales and support (including a toll-free line), and online quote-request forms. The technology stack is non-proprietary — standard agency operations supported by third-party tools including Xpress-Pay for online bill payment, Cevado for the real estate portal, and MLS integrations — with no disclosed AI/ML capabilities, no mobile app, and no public APIs. Go-to-market is sales-led and direct-to-consumer, anchored by long-tenured community agents and deep local roots rather than digital acquisition.

Name

Lloyd's Insurance

Legal name

Lloyd's, Inc.

Website

https://lloydsinsurance.net

Company type

Private

Founded year

1929

Operating status

Operating

Headcount range

11–50 employees

Short description

Lloyd's Insurance is a family-owned independent insurance brokerage and real estate firm founded in 1929 in Walla Walla, Washington, serving individuals, small businesses, and agricultural operations across the Walla Walla Valley with personal, commercial, crop, life, health, and annuity insurance products.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Independent insurance agency
• Property casualty insurance
• Crop insurance brokerage
• Life health insurance
• Real estate brokerage

Headquarters

HQ city

Walla Walla

HQ country

United States

HQ region

North America

Offices1 record

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 Brokerage Commissions: Revenue generated as an independent insurance broker representing multiple carriers. Earns commissions from insurance policy placements across personal, commercial, life, health, and crop insurance lines.
2. Real Estate Services: Revenue from real estate sales and buying services in the Walla Walla Valley, including residential, commercial, and land transactions.
3. Annuity Products: Revenue from fixed annuity products, where the company earns commissions on lump-sum or series payment contracts in exchange for periodic payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Lloyd's Insurance is an independent insurance agency that places personal, commercial, crop, life, health, and annuity policies on behalf of multiple carriers for individuals, families, businesses, contractors, and farms in the Walla Walla Valley. The firm also operates a real estate brokerage providing residential, commercial, and land sales services through dedicated licensed agents. Revenue is earned through insurance brokerage commissions from carriers and transaction-based real estate fees.

Product overview

Lloyd's Insurance and Real Estate is a locally owned independent insurance agency and real estate brokerage operating since 1929 in Walla Walla, Washington. The company operates as two main divisions: Insurance Services and Real Estate Services. The Insurance division offers a comprehensive portfolio organized into four core product lines: Auto & Home Insurance (homeowners, vehicles, RVs, motorcycles, boats, personal umbrella), Business & Farm Insurance (business, farm/ranch, contractor, bonds), Crop Insurance (MPCI, crop hail/fire, hay fire), and Life & Health Insurance (life, health, Medicare supplements, disability, long term care). The company also offers Annuities through its Lloyd's Life Sales, Inc. subsidiary. The Real Estate division provides residential, land, and commercial buying and selling services with MLS access. As an independent agency, Lloyd's represents multiple insurance carriers to provide tailored coverage options. The company is affiliated with Trusted Choice® but is not connected to Lloyd's of London.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto & Home Insurance Personal lines coverage for autos, homes, RVs, motorcycles, boats, and personal umbrella liability for individual and family customers in the Walla Walla Valley.
• Homeowners Insurance Coverage for residential properties including homeowners, earthquakes, renters, condo owners, landlords, mobile homes, and floods against fire, lightning, weather, burglary, theft, and liability claims.
• Vehicle Insurance Coverage for preferred, standard, non-standard, antique autos, motor homes, RVs, boats, and motorcycles with comprehensive, collision, medical, liability, and uninsured/underinsured motorists protection.
• Personal Umbrella Insurance Extra layer of liability protection that protects family assets in the event of large claims or lawsuits, covering legal expenses and fees.
• Business & Farm Insurance Commercial insurance coverage including business, farm and ranch, contractor, and bonds, offering comprehensive risk management through multiple insurance carriers for commercial clients and farms.
• Business Insurance Coverage for business property, crime coverage, business liability, commercial automobile, cyber liability, data breach, and professional liability for small businesses and commercial clients.
• Farm & Ranch Insurance Coverage for property (home, personal property, farm buildings, farm personal property, farm equipment), livestock, farm and ranch liability, personal and commercial automobile, and excess/umbrella liability for farm operations.
• Contractor Insurance Liability insurance for contractors including property coverage, contractor's liability, excess/umbrella liability, inland marine, bonding, and pollution liability.
• Surety & Fidelity Bonds Surety, fidelity, ERISA, license and permit, guardian, bid and performance bonds for contractors, businesses, and license holders.
• Crop Insurance Agricultural insurance including MPCI (Multiple Peril Crop Insurance), crop hail and fire coverage, and hay fire coverage for crops such as wheat, peas/garbanzo beans, barley, grapes, onions, corn, alfalfa seed, and canola.
• Life & Health Insurance Personal lines including life, health, Medicare supplements, disability, and long term care coverage, with Lloyd's Life Sales, Inc. specializing in these products.
• Life Insurance Various life insurance products including term life (5, 10, 20, 30 year), decreasing term, return premium life, universal life, traditional whole life, second to die, key man, and indexed products.
• Health Insurance Individual and employer-sponsored group health insurance to help pay for medical care and limit exposure to high medical costs.
• Medicare Supplement Insurance Medicare supplement products to help cover costs not covered by Medicare for senior customers.
• Disability Insurance Coverage that replaces a portion of salary if unable to work due to medical condition, available through employer benefits or individual policies.
• Long Term Care Insurance Private insurance coverage for anticipated expenses of aging not covered by Medicare, including homecare and nursing home costs.
• Fixed Annuities Fixed annuity products providing payment of specific sums at fixed rates of return for fixed periods, offering tax-deferred growth and may include death benefits.
• Real Estate Brokerage Services Full-service real estate division offering buying, selling, and free market analysis reports, including residential, land, and commercial real estate transactions in the Walla Walla Valley area.

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

Three partnerships are on record, tiered core, flagship and minor.

• Multiple Insurance CarrierscoreOthersAs an independent insurance broker, Lloyd's represents many reliable insurance companies providing a wide range of insurance options. This allows them to match customer needs with tailored policies at competitive prices.
• Trusted Choice®flagshipChannel Partner/ Reseller/ DistributorTrusted Choice® agencies are dedicated to treating customers as persons, not policies. The affiliation provides access to a network of independent agents and additional brand credibility for consumer marketing.
• Walla Walla Association of RealtorsminorOthersDaryl G Schreiner served as past President of the Walla Walla Association of Realtors and served as M.L.S. chairman for 10 years

Scale indicators3 records

Expansion highlights4 records

Broad incumbents

• Progressive: A top-5 U.S. personal lines carrier that sells both direct and through independent agents. Directly relevant because Lloyd's cites Progressive as a carrier partner, and Progressive's direct-to-consumer model structurally competes with Lloyd's own auto/vehicle book.
• Hub International: Large global insurance brokerage that actively recruits and acquires independent regional agencies. Offers a comparable independent-carrier agency model at scale and is a realistic acquirer of a firm like Lloyd's.
• Arthur J. Gallagher & Co. A top-3 global insurance brokerage and risk management firm. Comparable in commercial lines, bonds, and benefits brokerage; relevant both as an M&A acquirer of independent agencies and as a competitor for larger commercial accounts Lloyd's also serves.
• Safeco (Liberty Mutual): A national personal lines carrier that distributes predominantly through independent agents like Lloyd's. Business model overlap is high (carrier–agency relationship) and serves as a structural benchmark for how Lloyd's personal lines book is placed.

Others

• Assurex Global: A worldwide network of independent commercial insurance, risk management, and benefits firms. Comparable as an independent-broker affiliation/aggregator — relevant to Lloyd's as a similar affiliation-based model (akin to its Trusted Choice membership).
• Trusted Choice: A brand network of independent insurance agents that Lloyd's is already affiliated with. Comparable industry peers include other Trusted Choice member agencies operating as multi-line independent brokers in their local markets.

Emerging players

• Acrisure: A fast-growing, tech-enabled insurance brokerage that acquires and rolls up independent agencies. Provides a strategic exit/partnering playbook for Lloyd's if founders pursue a sale, and represents a structural threat to standalone independent agencies of Lloyd's size.
• World Insurance Associates: A rapidly growing insurance brokerage built via acquisitions of independent agencies across the U.S. Operates in personal, commercial, life, and benefits lines — directly comparable product mix and a frequent strategic acquirer of small independent agencies.

Direct peers

• Leavitt Group: A privately held network of independent insurance agencies across the Western U.S., offering personal, commercial, life, and health insurance through multiple carrier partners. Highly comparable in structure (independent multi-carrier agency) and product breadth, though larger and broader in geography.
• Heffernan Insurance Brokers: Mid-sized independent insurance brokerage offering personal, commercial, life, and group benefits across the Western U.S. Comparable business model (independent broker representing multiple carriers) and similar commercial/benefits diversification, though at a larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/lloydsins
• Facebookfacebook.com/LloydsInsurance
• LinkedInlinkedin.com/company/lloyds-insurance-&-real-estate/about/?viewAsMember=true

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

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 Lloyd's Insurance