American Adventure Insurance

What American Adventure Insurance does

American Adventure Insurance (legal entity: Protectorate Group Insurance Agency, Inc., California License #0G66630) is a licensed independent insurance agency founded in 1992 by Paul Bender, specializing in recreational and adventure vehicle insurance. The company's core product lines are RV insurance (motorhomes, travel trailers, fifth wheels, truck campers), motorcycle and powersports insurance (motorcycles, ATVs, UTVs, snowmobiles), and boat/personal watercraft insurance (boats, jet skis, pontoons, fishing boats), supplemented by personal auto, homeowners, and commercial vehicle coverage. The firm operates as a multi-carrier broker representing A+-rated insurance providers including Progressive, Allied, Foremost, Nationwide, Safeco, Travelers, Roamly, and Voom, and uses a proprietary Quomation comparison technology that aggregates and scrubs multiple carrier websites to identify optimal coverage and price combinations for customers.

The business model is commission-based: AAI shops multiple carriers on behalf of customers and earns commissions on policies sold and renewed. Distribution is hybrid, combining a dealer-centric point-of-sale channel serving more than 1,500 dealerships nationwide (where F&I products are offered at the moment of vehicle purchase) with direct-to-consumer sales via phone (888-930-3680) and online quote requests. The company is licensed in all 50 states, processes more than 1,500 individual policies per month, and is trusted by more than 2,500 dealers annually. Specialized coverages such as Total Loss Replacement, Agreed Value, Full-Timer's Package, Diminishing Deductibles, and 24-hour Towing & Roadside Assistance differentiate the offering from standard auto insurance. Headquartered in Dallas, TX (with the website listing Newbury Park as an additional location), the company employs 11-50 people.

On February 17, 2026, Brown & Brown Dealer Services (BBDS), a subsidiary of Brown & Brown, Inc., acquired the assets of American Adventure Insurance. Founder Paul Bender and his team continue to operate under BBDS President Mike Neal, with the agency retaining its dealer network and specialty product positioning as part of a larger national insurance brokerage platform.

Name

American Adventure Insurance

Legal name

Protectorate Group Insurance Agency, Inc.

Website

https://www.americanadventureinsurance.com

Company type

Private

Operating status

Acquired

Headcount range

11–50 employees

Short description

American Adventure Insurance is a licensed independent insurance agency specializing in recreational vehicle insurance (RVs, motorcycles, boats, personal watercraft) and operating in all 50 states as a multi-carrier broker serving over 1,500 dealerships and individual consumers nationwide.

Ownership category

akta.pro rank

Product category

Recreational Vehicle Insurance Brokerage

NAICS

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

SIC

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

akta.pro primary industry

Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Yacht & Pleasure Craft Insurance (FSAJAHAI)

Keywords

• Recreational vehicle insurance
• Motorcycle insurance brokerage
• Boat and watercraft insurance
• Independent insurance agency
• Dealership F&I products

Headquarters

HQ city

Newbury Park

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission Revenue: American Adventure Insurance operates as an independent insurance agency/broker. They represent multiple A+-rated insurance carriers and earn commissions on policies sold. The company shops multiple carriers to find customers the best coverage and price combination.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

American Adventure Insurance is an independent insurance agency and broker that places adventure and recreational vehicle coverage — motor homes, travel trailers, motorcycles, boats, and personal watercraft — through a panel of A+-rated national carriers on behalf of consumers and dealerships. The firm also distributes point-of-sale F&I (Finance & Insurance) products through its dealership channel and writes adjacent personal lines such as auto, homeowners, and commercial vehicle coverage.

Product overview

American Adventure Insurance is a licensed insurance agency operating in all 50 states that serves as a retail broker, shopping multiple top-rated insurance carriers on behalf of customers. The company offers a portfolio of adventure vehicle insurance products centered on Recreational Vehicle (RV) Insurance (the primary offering covering motorhomes, travel trailers, fifth wheels, and truck campers), Motorcycle/ATV Insurance, and Boat/Personal Watercraft Insurance, complemented by Personal Auto, Homeowners, and Commercial Vehicle Insurance products. The company differentiates through multi-carrier aggregation (featuring Progressive, Allied, Foremost, Nationwide, Safeco, Travelers, Roamly, and Voom among others), specialized add-on coverages including Total Loss Replacement, Agreed Value Coverage, Full-Timer's Package, and 24-hour Roadside Assistance, and a dealer-centric distribution model serving over 1,500 dealerships nationwide. Following its February 2026 acquisition by Brown & Brown Dealer Services (BBDS), the company operates under BBDS President Mike Neal while founder Paul Bender continues leading the American Adventure team.

Differentiator

Problem solved

Functional benefit

Products and services

• Recreational Vehicle (Motor Home & Travel Trailer) Insurance Specialty insurance coverage for motor homes and travel trailers, placed through a panel of A+-rated carriers for individual RV owners nationwide. Includes specialty features tailored to RV use such as agreed value settlement, total loss replacement, full-timer's package, and 24-hour towing.

Quantifiable outcome

• Saved over $100 on motor home insurance compared to other quotes
• +4 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• Brown & Brown Dealer Services (BBDS)coreStrategic or Co-development Partner · 17 February 2026Brown & Brown, Inc. announced that its subsidiary Brown & Brown Dealer Services acquired the assets of American Adventure Insurance. The acquired company provides insurance solutions and F&I products at dealerships for various vehicle types including RVs, boats, motorcycles, and personal watercrafts, serving a network of more than 1,500 dealerships. The American Adventure team will join BBDS under the leadership of founder Paul Bender who brings over 30 years of dealer partnership experience. The deal is expected to expand Brown & Brown's capabilities and innovative solutions for automotive dealers nationwide.
• Vehicle Dealerships (1,500+ network)coreChannel Partner/ Reseller/ DistributorNetwork of more than 1,500 vehicle dealerships (RVs, boats, motorcycles) nationwide that partner with American Adventure Insurance to offer point-of-sale insurance products to their customers. Paul Bender and team continue serving these dealer partners following the acquisition by Brown & Brown.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Foremost Insurance Group: Specialty carrier focused on RV, mobile home, motorcycle, and boat insurance. Both a key carrier partner for brokers like AAI and a direct competitor to specialty brokerages.
• Geico: Major direct-to-consumer auto insurer with growing recreational vehicle coverage. Its scale and brand pose a direct competitive threat to brokers relying on price-shopping value propositions.
• Progressive Insurance: Major carrier and direct competitor in RV, boat, and motorcycle insurance as well as a key carrier partner for AAI. Encroaches on the broker model through aggressive direct online quoting.
• National General Insurance: Established specialty insurer offering RV, motorcycle, and powersports coverage directly and through agents. Larger scale and direct underwriting capability make it both a competitor and a potential carrier partner.

Others

• Trusted Choice: Network of independent insurance agents offering multi-line personal and commercial coverage. Comparable to AAI in independent agency model but broader in product scope rather than RV/powersports specialization.

Emerging players

• Lemonade: Digital-native insurance company expanding into specialty lines including powersports and marine. Its AI-driven quoting and instant-bind model represent a structural threat to traditional brokerage economics.
• Roamly: Digital-first RV insurance platform pursuing direct-to-consumer quoting in the same recreational vehicle segment. Represents the digitally-native competitive threat to traditional broker models.
• Voom Insurance: Digital RV insurance startup offering embedded coverage to RV owners and dealers. Comparable emerging competitor in the same RV specialty segment, targeting the direct-to-consumer and dealer-channel markets AAI serves.

Direct peers

• Camping World Insurance Services: Captive RV insurance and F&I offerings tied to the largest RV dealership chain in the U.S. Represents a verticalized competitor that combines dealership ownership with insurance distribution, threatening AAI's dealer-channel model.
• Good Sam Insurance Agency: Direct competitor specializing in RV and recreational vehicle insurance, serving a similar customer base of RV owners through a multi-carrier brokerage model. Comparable in niche focus and dealer/club-channel distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AmericanAdventureInsurance
• Xx.com/my_aai

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 American Adventure Insurance