OP Insurance

What OP Insurance does

OP Insurance Agency, Inc. is an independent insurance brokerage founded on January 9, 2012, by George Ohnesorgen in La Mesa, California. The firm operates as an intermediary between individual and small-business clients and hundreds of insurance carriers, distributing policies across five core product lines: Home, Auto, Business, Group Health, and Life Insurance. The brokerage targets individuals and small-to-medium businesses primarily in the San Diego metropolitan area, with customer testimonials referencing clients in La Mesa, Santee, San Diego, and Sacramento. Services are delivered through a lean three-person core team—a President & CEO, a COO/Agent/Broker, and an Office Manager—using standard insurance quoting and management systems rather than proprietary technology.

The business runs an inside-sales model: customers reach the firm via phone or website quote request forms, and the team commits to a 24-hour quote turnaround. OP Insurance distributes products exclusively through direct sales channels (phone consultations and self-service web forms) and does not use retail storefronts or third-party resellers. Revenue is generated through carrier commissions on new policy placements and renewals, with quote-based pricing tailored to each customer's risk profile. Sample disclosed annual premiums range from $502-$760 for homeowners and $338-$870 for auto insurance, though final pricing is subject to individual underwriting.

The company is wholly founder-owned with no external institutional investment, private equity backing, or parent company. Sean Roberts joined at inception in 2012 and became a partner in 2018. Marketing is conducted through organic digital presence, local SEO targeting the 91942 zip code, and customer referrals, with no evidence of paid advertising or content marketing spend. The firm operates within a single California footprint and has no disclosed expansion plans, making it a stable, founder-controlled independent brokerage rather than a growth-stage enterprise.

Name

OP Insurance

Legal name

OP Insurance Agency, Inc.

Website

https://op-insurance.com

Company type

Private

Founded year

2012

Operating status

Operating

Short description

OP Insurance is an independent insurance brokerage founded in 2012 in La Mesa, California, distributing home, auto, business, group health, and life insurance policies from hundreds of carriers to individuals and small businesses primarily in the San Diego region.

Ownership category

akta.pro rank

Headquarters

HQ city

La Mesa

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

Revenue model

1. Insurance Commissions: OP Insurance Agency, Inc. operates as an independent insurance brokerage earning commissions from insurance carriers for placing policies. Revenue is generated through new policy sales and renewal commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

OP Insurance is an independent insurance brokerage that places personal and commercial insurance policies on behalf of clients. The firm works with hundreds of A-rated insurance carriers across five product lines — home, auto, business, group health, and life — and earns carrier commissions on new sales and renewals. It emphasizes a 24-hour quote turnaround and personal customer service delivered through phone consultations and website quote forms.

Product overview

OP Insurance is an independent insurance brokerage based in La Mesa, California, offering a comprehensive portfolio of insurance products across five core categories: Home Insurance, Auto Insurance, Business Insurance, Group Health Insurance, and Life Insurance. The company operates as a full-service independent agency that works with numerous A-rated insurance carriers to match clients with appropriate coverage. Each core product line includes specialized add-on modules and coverage options—for example, Home Insurance offers umbrella, renter's, earthquake, and flood policies; Business Insurance includes workers compensation, general liability, commercial auto, E&O/professional liability, property, inland marine, commercial umbrella, and surety bonds; and Life Insurance provides term, whole, and universal life options. Group Health plans can be extended with dental, vision, disability, and life coverage. The company serves both individual and business clients, with the ability to provide quotes within 24 hours.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Comprehensive homeowner's policy covering damage to the home and liability for injuries on the property, with available umbrella, renter's, earthquake, and flood coverage options. Marketed to homeowners and renters in the San Diego metropolitan area and broader California market.
• Auto Insurance Auto insurance covering bodily injury and property damage liability, which is a legal requirement in California, with additional coverage options including comprehensive, collision, rental, towing, and loan/lease gap coverage. Marketed to individual vehicle owners in California.
• Business Insurance Multi-line business insurance portfolio including workers compensation, general liability, commercial auto, E&O/professional liability, property, inland marine, commercial umbrella/excess liability, and surety bonds. Marketed to small and medium business owners such as construction companies, restaurants, boutiques, real estate offices, and contractors.
• Group Health Insurance

Quantifiable outcome

• Quote turnaround within 24 hours
• +1 more outcomes

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

One partnership is on record.

• Hundreds of Insurance CarrierscoreOthersOP Insurance Agency works with hundreds of insurance carriers to provide coverage options for business clients including workers compensation, general liability, commercial auto, E&O, property, inland marine, commercial umbrella, and surety bonds.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• GEICO: Major direct-to-consumer auto and home insurance carrier. Competes with OP Insurance for the same San Diego personal lines customers via a digital-first direct model; price competition is a consistent threat.
• HUB International: Large North American insurance brokerage offering personal, commercial, and employee benefits solutions across a broad carrier panel. Competes with OP Insurance in the same SMB/consumer segments but at significantly larger scale and geographic reach.
• Brown & Brown Insurance: Publicly traded large insurance brokerage with retail operations nationwide, including southern California. Targets the same SMB and personal lines customers as OP Insurance but offers deeper carrier relationships and more product lines.
• State Farm: Largest US personal lines carrier, competing for the same home and auto customers OP Insurance serves. Operates via captive agents, so distribution model differs, but consumer-facing competition is direct.

Emerging players

• Policygenius: Digital insurance marketplace offering instant online quotes for life, home, auto, and disability insurance. Targets the same consumer demographic as OP Insurance and exemplifies the digital-first competitive threat to traditional brokerages.
• Simply Insurance: Online insurance comparison platform aggregating multiple carriers for personal and small commercial lines. Replicates OP Insurance's 'shop multiple carriers' value proposition through a digital self-service channel, threatening the brokerage's core differentiator.
• Lemonade: Insurtech company offering digital-first renters, home, auto, pet, and life insurance. Competes with OP Insurance for younger consumer demographics that increasingly prefer online quote-and-bind experiences.

Direct peers

• Leavitt Group: National network of independent insurance agencies offering personal, commercial, and benefits coverage through multiple carrier partners. Directly comparable to OP Insurance as an independent brokerage model, though at vastly greater scale.
• Burns & Wilcox: Specialty insurance brokerage and underwriting distributor placing personal and commercial coverage across hundreds of carriers. Comparable independent brokerage model serving individuals and SMBs across multiple lines.

Regional players

• Rogers & Gray Insurance Group: Independent insurance agency group operating across multiple states with personal, commercial, and benefits offerings. Comparable independent brokerage model with similar multi-line approach but operating in different geographies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/op-insurance-agency-inc-

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OP Insurance