ABP Insurance Brokers

What ABP Insurance Brokers does

ABP Insurance Brokers, operating under the legal name Authorized Benefit Plans, Inc., is a privately held independent insurance agency founded in 2002 and headquartered in Tempe, Arizona, with a secondary office in Chandler. The agency represents over 50 insurance carriers — including Blue Cross Blue Shield of Arizona, United Healthcare, Cigna, Aetna, Humana, MetLife, Guardian, Delta Dental, and VSP — and earns its primary revenue through carrier commissions on policies placed across group health (Fully Insured and Level Funded), property and casualty, individual/family health (including ACA and Medicare Advantage/Supplemental), and personal lines (auto, home, marine, renters). Services are offered free to customers, with compensation paid directly by the carriers and no incremental fees on premiums.

Beyond carrier placement, ABP operates a cloud-based Online Administration Management Portal that automates onboarding (W-4s, I-9s, W-9s, withholdings, direct deposit), benefits enrollment, 1095-C reporting, and document storage; the core tier is provided at no cost to clients with existing policies, with paid premium modules for Applicant Tracking, PTO, Time & Attendance, and Compliance. The agency also delivers ACA, ERISA, Section 125/POP, and COBRA compliance support, and refers clients to Third Party Administrators BASIC HR Solutions and TASC where deeper HR services are needed. Customer mix is horizontal and predominantly small to mid-size businesses plus individuals and families in Arizona, with incidental out-of-state relationships in Texas and Kansas, and the go-to-market is consultative direct sales supported by website-driven quote requests rather than a scaled digital acquisition funnel.

Name

ABP Insurance Brokers

Legal name

Authorized Benefit Plans, Inc.

Website

https://abpbrokers.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

ABP Insurance Brokers is a privately held Arizona-based independent insurance agency representing over 50 carriers, placing group health, property/casualty, individual/family, and personal lines coverage for SMBs and consumers, supplemented by a cloud-based HR administration portal.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance agency
• Employee benefits brokerage
• Group health insurance
• Commercial property casualty
• Personal lines insurance

Headquarters

HQ city

Tempe

HQ country

United States

HQ region

North America

Offices2 records

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 Carrier Commissions: ABP Insurance Brokers is compensated directly from insurance carriers for policies sold. There is no charge to customers for using their services and no additional fees attached to premiums. This is a commission-based model where the company earns a percentage or fixed fee from the insurance carriers when customers purchase plans through them.
2. HR Services Premium Features: Additional HR features available for purchase including Applicant Tracking System, PTO Tracking, Time & Attendance, and Compliance modules as part of the Full HR Package upgrade.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

ABP Insurance Brokers is an independent insurance agency that brokers and compares policies from more than 50 insurance carriers on behalf of customers, without charging customer fees. Its core offerings include employer group health insurance (Fully Insured and Level Funded), ancillary group benefits (dental, vision, disability, life), commercial property and casualty coverage, individual/family health and Medicare plans, and personal auto/home lines. The agency also operates a cloud-based HR/benefits administration portal and provides ACA/ERISA compliance services to employer clients.

Product overview

ABP Insurance Brokers offers a portfolio of insurance products and services as an independent insurance agency. The core offerings include group health insurance plans (Fully Insured and Level Funded), property and casualty coverage, individual/family health insurance, and personal auto/home coverage. The company also provides a cloud-based Online Administration Management Portal for HR and benefits administration, along with compliance services for healthcare reform requirements. All products are offered through partnerships with over 50 insurance carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Benefits Group health insurance and ancillary products for employer groups, including Fully Insured and Level Funded medical plans, Dental, Vision, Disability, Life, and Supplemental insurance.
• Fully Insured Health Traditional employer-sponsored health plan where the employer pays fixed premiums to carriers. ABP places these plans with Blue Cross Blue Shield, United Healthcare, Cigna, Aetna, and Humana.
• Level Funded Health Partially self-funded health plan combining self-funding cost savings with fully funded predictability, featuring level premiums, medical underwriting, and potential claims pool refunds.
• Property & Casualty Business insurance including Property Insurance, General Liability, Professional Liability, Commercial Auto, Workers' Compensation, and Umbrella Liability coverage for companies.
• Individual & Family Health Individual and family health coverage including Affordable Care Act plans, Medicare Advantage and Supplemental plans, and Long Term Care insurance, delivered via dedicated consultation including Medicare specialist Ken Leombruno.
• Personal Auto & Home Personal insurance coverage for vehicles (cars, trucks, motorcycles, RVs), homeowners, vacation homes, investment properties, renters, personal umbrella, and boat & marine.
• Online Administration Management Portal Cloud-based HR and benefits administration platform providing onboarding automation (W-4s, I-9s, W-9s, withholdings, direct deposit), paperless benefit enrollment, 1095-C reporting, customized forms (employee agreements, handbooks, emergency contacts), document library, and 24/7 employee record access. Core features provided complimentary with placed policies; premium modules (Applicant Tracking, PTO Tracking, Time & Attendance, Compliance) available as paid Full HR Package add-on.
• Compliance Services

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Insurance Carriers (50+)coreChannel Partner/ Reseller/ Distributor · 1 January 2002ABP Insurance Brokers represents over 50 insurance companies as an independent agency. Major carriers include Blue Cross Blue Shield, United Healthcare, Cigna, Aetna, and Humana. They source and compare plans from these carriers to find the best coverage at the best rate for customers. Compensation is received directly from carriers when customers purchase policies.
• BASIC HR SolutionsminorImplementation/ SI/ Consulting PartnerBASIC HR Solutions is referenced as a Third Party Administrator contact for compliance and HR services. Contact: Joan Levy 480-495-5141, [email protected].
• Total Administrative Services Corporation (TASC)minorImplementation/ SI/ Consulting PartnerTotal Administrative Services Corporation (TASC) is referenced as a Third Party Administrator contact. Contact: Sally Volstad 608-237-4984, [email protected].
• AetnacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for medical plans. Member services available through number on ID card.
• Blue Cross Blue Shield of ArizonacoreChannel Partner/ Reseller/ DistributorMajor Arizona insurance carrier partner. Multiple contact numbers provided for Member Concierge, Claims & Benefits in Phoenix, Tucson, and Flagstaff locations.
• CignacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for medical plans. Customer Service (800) 997-1654 and Coverage & Claims (800) 244-6224 available 24/7.
• Delta Dental AZcoreChannel Partner/ Reseller/ DistributorDental insurance carrier partner for Arizona. Customer Service (602) 938-3131, (800) 352-6132.
• HumanacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner for medical, dental and vision plans. Medical Plans (800) 448-6262, Dental & Vision (877) 877-1051.
• United Healthcare (UHC)coreChannel Partner/ Reseller/ DistributorInsurance carrier partner for medical plans. Customer Service (866) 414-1959.
• GuardiancoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Customer Support (888) 482-7342.
• MetLifecoreChannel Partner/ Reseller/ DistributorDental and vision insurance carrier partner. Dental Insurance Customer Service (800) 942-0854, Vision Insurance Customer Service (855) 638-3931.
• VSPcoreChannel Partner/ Reseller/ DistributorVision insurance carrier partner. Member Services (800) 877-7195, 5 a.m. to 6 p.m. PST Monday-Friday, 7 a.m. to 5 p.m. Saturday-Sunday.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Leavitt Group: Independent, multi-line insurance agency group operating across multiple U.S. states with carrier-direct appointments and B2B/SMB focus. Closely mirrors ABP's independent brokerage model, multi-line portfolio (group health, P&C, personal), and cross-state customer acquisition approach.
• Goosehead Insurance: Independent insurance agency representing multiple carriers in personal lines (auto, home) and small commercial, with an emphasis on comparison shopping and agent-based service. Comparable to ABP on the carrier-multiplicity and client-advisory positioning, with stronger consumer brand.
• Acrisure: Tech-enabled independent insurance brokerage placing commercial, personal, and benefits coverage through carrier-direct appointments. Highly comparable business model to ABP — multi-carrier, multi-line, growth-via-acquisition — with a much larger footprint.
• National Western Financial (National Western Life Sales Group): Independent insurance marketing organization distributing health, life, and P&C products through carriers to SMB and individual clients. Comparable to ABP in distributing group and individual products via carrier partnerships, particularly in health and benefits.
• Brown & Brown: One of the largest independent insurance brokerages in the U.S., offering commercial P&C, employee benefits, and personal lines through a multi-carrier direct-appointment model. Same independent-broker identity and multi-line product mix as ABP, scaled significantly larger.

Emerging players

• eHealth: Online health insurance marketplace distributing individual, family, Medicare, and small-group plans across multiple carriers. Comparable to ABP on individual/family and Medicare brokerage, competing through a digital-direct channel.
• SimplyInsured: Tech-enabled broker targeting small businesses for group health benefits across multiple carrier partners. Directly competes with ABP's SMB group health offering through digital onboarding and comparison, reflecting the tech-disruption risk ABP faces.

Others

• Paychex: HR, payroll, and benefits administration provider for SMBs, offering PEO and group benefits solutions including health insurance through carrier partnerships. Comparable to ABP's HR-and-benefits bundling and SMB customer segment but operating as an HR/PEO platform rather than a traditional broker.

Broad incumbents

• Arthur J. Gallagher & Co. Large publicly traded insurance brokerage and risk-management firm serving commercial and benefits clients across all U.S. regions. Overlaps with ABP in commercial P&C and group benefits brokerage but operates at much larger scale with broader service portfolio.
• Marsh McLennan: Global insurance brokerage and risk advisory providing commercial risk, employee health and benefits, and consulting. Comparable to ABP on the employee-benefits and commercial brokerage axes but operates as a multi-national incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/abp-insurance-brokers

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 ABP Insurance Brokers