Anthony J. Fonseca Agency

What Anthony J. Fonseca Agency does

Anthony J. Fonseca Agency, LLC is an independent insurance brokerage founded in 2003 and headquartered at 99 Morris Ave., Suite 103 in Springfield, New Jersey. The firm operates as a retail insurance agent/broker representing multiple insurance carriers across three product lines: Personal Lines (auto, homeowners, life, health, flood, umbrella, and specialty personal coverages), Commercial Lines (general liability, workers compensation, commercial auto, builders risk, bonds, D&O, and specialty business coverages), and Life & Health Insurance (life, disability, group benefits, and individual/family health plans). The agency's underlying technology stack is undisclosed; the public-facing website is built on GoDaddy Website Builder with no proprietary platform, mobile app, or API integrations documented. No patents, proprietary models, or specialized underwriting technology are referenced in available data.

The business is fundamentally a relationship-driven brokerage that monetizes via carrier commissions on new and renewal premiums, typically in the 5-15% range per industry norms, rather than charging direct fees to customers. Its go-to-market is sales-led and consultative: customers reach the agency by phone, website contact form, or in-person appointment at the Springfield office (Monday-Friday, 9AM-5PM), and policy selection, comparison, and binding occur through direct agent interaction. The owner and founder, Anthony J. Fonseca, is the principal relationship holder, with over 25 years of industry experience cited as the primary trust anchor. The customer base comprises individuals, families, and small/mid-sized business owners in New Jersey; the firm does not serve geographies outside the state and has no digital self-service or marketplace distribution channels. Headcount is reported at 1-10 employees, indicating a small, founder-led operation with no disclosed institutional investors, parent company, funding rounds, or acquisition activity.

Name

Anthony J. Fonseca Agency

Legal name

Anthony J. Fonseca Agency, LLC

Website

https://ajfonsecaagency.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Anthony J. Fonseca Agency is an independent insurance brokerage in Springfield, New Jersey, founded in 2003. It represents multiple carriers across personal, commercial, and life/health lines, serving individuals, families, and small business owners in NJ via commission-based consultative sales.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAIAGAH

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs)

Financial & Insurance/Insurance — Life & Health/Medicare Advantage & Medicare Supplement (Medigap)

Keywords

• Independent insurance brokerage
• Personal lines insurance
• Commercial lines coverage
• Life health insurance
• Carrier representation services

Headquarters

HQ city

Springfield

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance brokerage, the agency earns revenue by representing multiple insurance carriers and earning commissions on policies sold and renewed. The agency earns commission percentages on new policy premiums and renewal premiums, typically ranging from 5-15% of annual premiums depending on the carrier and line of business.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Anthony J. Fonseca Agency is an independent insurance brokerage founded in 2003 in Springfield, NJ, that places coverage for individuals, families, and business owners through multiple carrier partnerships. The agency sells Personal Lines, Commercial Lines, and Life & Health Insurance products, leveraging its carrier access to match customers with appropriate carriers and coverage types.

Product overview

Anthony J. Fonseca Agency is an independent insurance brokerage offering three core insurance product lines: Personal Lines (individual/family coverage including auto, home, flood, life, health, and specialty insurance), Commercial Lines (business coverage including property, liability, workers comp, bonds, and specialty business policies), and Life & Health Insurance (life insurance and healthcare coverage through multiple carrier partnerships). The agency operates as a broker representing numerous insurance carriers to provide customized coverage solutions for individuals, families, and business owners in New Jersey.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Lines Insurance Personal Lines coverage for individuals and families, placed through the agency's carrier partnerships; includes home, auto, and other personal property/liability products tailored to household needs.
• Commercial Lines Insurance Commercial Lines coverage for business owners, placed through the agency's carrier partnerships; addresses commercial property, liability, and other business exposures for small and mid-sized businesses.
• Life & Health Insurance Life and Health Insurance products for individuals and families, placed through the agency's carrier partnerships, complementing Personal Lines coverage under a single agency relationship.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core and minor.

• Employers Preferred Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• Guard Insurance (a Berkshire Hathaway Company)coreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• Metropolitan Property and Casualty CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• Mutual of OmahacoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• Plymouth Rock AssurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• Progressive / Drive InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• Prudential FinancialcoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• The Guardian Life Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• Travelers Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for delivering insurance solutions to clients. The agency earns commissions on policies sold through this carrier relationship.
• American General LifeminorChannel Partner/ Reseller/ DistributorLife insurance carrier represented for life and health insurance products. Agency earns commissions on life insurance policies sold.
• Nationwide Life InsuranceminorChannel Partner/ Reseller/ DistributorLife insurance carrier represented for life and health insurance products. Agency earns commissions on life insurance policies sold.
• Protective Life InsuranceminorChannel Partner/ Reseller/ DistributorLife insurance carrier represented for life and health insurance products. Agency earns commissions on life insurance policies sold.
• Transamerica Life InsuranceminorChannel Partner/ Reseller/ DistributorLife insurance carrier represented for life and health insurance products. Agency earns commissions on life insurance policies sold.
• Unum / ProvidentminorChannel Partner/ Reseller/ DistributorLife insurance and employee benefits carrier represented for life and health insurance products. Agency earns commissions on policies sold.
• Horizon Blue Cross Blue ShieldminorChannel Partner/ Reseller/ DistributorHealthcare insurance carrier represented for health insurance products. Agency earns commissions on health insurance policies sold.
• Oscar Health InsuranceminorChannel Partner/ Reseller/ DistributorHealthcare insurance carrier represented for health insurance products. Agency earns commissions on health insurance policies sold.
• UHC / Oxford Health PlansminorChannel Partner/ Reseller/ DistributorHealthcare insurance carrier (UnitedHealthcare) represented for health insurance products. Agency earns commissions on health insurance policies sold.

Scale indicators2 records

Recent moves5 records

Expansion highlights2 records

Broad incumbents

• Acrisure: Rapidly-growing independent insurance brokerage scaled via acquisition; operates the same multi-carrier distribution model but across many U.S. states and into financial services. A relevant strategic acquirer profile in the broader category.
• Brown & Brown, Inc. One of the largest U.S. independent insurance brokerages operating a multi-carrier distribution model across personal and commercial lines. Vastly larger scale, but operates the same independent-agency distribution playbook.
• Hub International: Large independent insurance brokerage with multi-state operations and the same multi-carrier placement model. Competes for the same commercial accounts but with significantly broader geographic and product breadth.
• Hilb Group: Mid-market insurance brokerage rolled into Brown & Brown; operates a similar multi-carrier personal and commercial agency model across multiple U.S. states. Represents a realistic aggregator profile for smaller independent agencies.
• Integrity Marketing Group: Large insurance brokerage with a heavy life-and-health focus; distributes life, health, and annuity products through independent agents. Conceptually analogous to the subject's life & health pillar at materially larger scale.
• Marsh & McLennan: World's largest insurance brokerage and risk advisory firm. Relevant as a top-of-category benchmark and competitor for larger commercial accounts; its Marsh and Oliver Wyman units span well beyond traditional brokerage.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk-management services firm. Competes for the same commercial lines (general liability, workers comp, D&O, etc.) but at enterprise scale across risk management, consulting, and brokerage.

Direct peers

• Alera Group: Independent insurance and wealth services firm formed via combination of multiple regional agencies, operating a multi-carrier personal/commercial model. Highly analogous business model to the subject agency, though at materially larger scale and broader geography.
• Goosehead Insurance: Publicly-traded independent insurance agency/franchise that represents multiple carriers across personal and commercial lines through a consultative sales motion. Closely mirrors Anthony J. Fonseca Agency's multi-carrier, relationship-led model, scaled across thousands of franchisees.
• World Insurance Associates: Large New Jersey-based independent insurance brokerage offering personal, commercial, and life & health coverage through multiple carrier appointments. Effectively a scaled geographic and model peer to the subject agency, headquartered in the same state.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/AnthonyJFonsecaAgencyLLC
• LinkedInlinkedin.com/company/anthony-j.-fonseca-agency-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Anthony J. Fonseca Agency