Fulcrum Point Insurance

What Fulcrum Point Insurance does

Fulcrum Point Insurance is an independent retail insurance and bonding agency headquartered in Santa Rosa, California, operating in Sonoma County. The firm sells home, auto, business, and surety bond coverage to individual households and small businesses, with a stated positioning as Sonoma County natives and a relationship-driven, sales-led service model. Its core offering is multi-line insurance brokerage: the agency is appointed with multiple carriers across personal and commercial lines and earns commissions on policies placed, supplemented by fee income on surety bonds. There is no proprietary technology platform, no digital underwriting product, and no disclosed AI or automation tooling — distribution and servicing are delivered through local producer relationships, in-person and phone-based consultation, and a content-supported website.

The business model is the standard independent agency model: commission-based revenue on placed policies, with carrier appointments dictating product breadth. The '50+ years combined experience' producer team functions as the primary operating asset, and the agency's value proposition rests on local presence, multi-line convenience (home + auto + business + bonds under one roof), and access to multiple carriers rather than on price or technology differentiation. Customer acquisition appears to mix referrals, community presence, and inbound content/web leads. Pricing is set by underlying carriers; the agency's revenue is a percentage of premium.

The addressable market is the Sonoma County personal and small commercial insurance segment, a geographically constrained micro-market. The agency has no disclosed expansion plans, no funding history, no M&A activity, and no public growth metrics. Strategically, it presents as a stable, mature, owner-operated local brokerage rather than a scaling InsurTech or platform business.

Name

Fulcrum Point Insurance

Legal name

Fulcrum Point Insurance and Bonding Agency, Inc.

Website

https://fulcrumpointinsurance.com

Company type

Private

Operating status

Operating

Short description

Fulcrum Point Insurance is an independent, locally-based insurance and bonding agency in Santa Rosa, California, serving Sonoma County households and small businesses with home, auto, commercial, and surety bond coverage through a relationship-driven, multi-carrier brokerage model.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance agency services
• Surety bond services
• Commercial insurance
• Personal insurance
• Contractor insurance

Headquarters

HQ city

Santa Rosa

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, Others

Revenue model

1. Insurance Commissions: The company earns commissions from insurance products including home, auto, and business insurance policies placed with various insurance carriers.
2. Surety Bond Services: Provides surety bond services including contract surety, court bonds, and commercial surety bonds. The company handles all forms of surety bonds in any amount, earning fees for bond placement and related services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Fulcrum Point Insurance is a full-service insurance and bonding agency that places personal lines (home and auto), commercial lines (business insurance), and surety bonds through direct agent consultation with A-rated carriers. The firm serves individuals, families, small businesses, contractors, and licensed professionals primarily in Sonoma County, California. Agents tailor coverage packages to each client and conduct policy reviews at each renewal to ensure coverage keeps pace with life and business changes.

Product overview

Fulcrum Point Insurance and Bonding Agency is a full-service insurance agency offering a portfolio of insurance and bonding products. The core offerings include Home Insurance, Auto Insurance, Business Insurance, and Surety Bonds as the main product lines. These are complemented by specialized insurance products including Personal Automobile Insurance with detailed coverage options (liability, medical payments, uninsured/underinsured motorists, comprehensive, collision, rental), Commercial Lines coverage (general liability, errors and omissions, D&O, commercial auto, workers compensation), and various surety bond types (Contract Surety Bonds for construction projects, Court Bonds for litigation and probate, and Commercial Surety Bonds for licenses and permits). The company also offers specialized Artisan Contractors Insurance for small trade businesses. The products work together to serve individuals, families, and businesses seeking comprehensive protection against property, liability, and contractual risks.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves2 records

Expansion highlights2 records

Broad incumbents

• Alliant Insurance Services: Major California-headquartered insurance brokerage with broad commercial, personal, and specialty offerings including surety. Comparable as a CA-based broker serving individuals and businesses, but operates at significantly larger scale and broader geographic scope than Fulcrum Point.
• Brown & Brown Insurance: Large national insurance brokerage with deep personal and commercial lines franchises, including specialty and surety capabilities through subsidiaries. Comparable as a multi-line broker with strong carrier relationships, but operates as a public, scaled platform.
• USI Insurance Services: Top-10 U.S. insurance brokerage delivering commercial, personal, and employee benefits solutions with a focus on middle-market and select industries. Comparable in serving businesses and individuals across personal and commercial lines, but at substantially larger scale and broader national footprint.

Direct peers

• InterWest Insurance Services: Northern California-based independent insurance brokerage serving commercial and personal lines clients with surety and specialty coverages. Closely comparable business model, geography, and product mix to Fulcrum Point, though larger in scale.
• IMA Financial Group: Mid-sized independent insurance brokerage offering commercial, personal, and surety solutions through a relationship-driven, agent-led model. Comparable in product breadth and advisor-led service orientation, though at materially larger scale.
• Woodruff-Sawyer & Co. California-based independent insurance brokerage focused on commercial and personal coverage, including specialty and executive lines. Comparable as a CA-rooted multi-line independent agency serving businesses and individuals, though with stronger emphasis on executive and management liability.
• Heffernan Insurance Brokers: Large California-based independent insurance brokerage offering personal, commercial, and specialty coverage plus surety capabilities across multiple offices. Directly comparable as a CA-headquartered multi-line independent agency with a relationship-driven model and surety expertise.
• The Liberty Company Insurance Brokers: Independent insurance brokerage offering commercial, personal, surety, and specialty coverages through regional offices. Closely comparable as a multi-line independent broker with surety expertise and a relationship-driven growth model.

Emerging players

• Ryan Specialty (RPS Surety): Specialty insurance broker with a dedicated surety practice (RPS) providing contract, commercial, and court bonds to contractors and commercial accounts. Comparable on the surety side of Fulcrum Point's book, and increasingly relevant as a competing placement channel for commercial surety work.
• Burns & Wilcox: Specialty insurance and surety brokerage with deep expertise in commercial, personal, and professional lines including a dedicated surety practice. Comparable as a specialty distributor serving agents and direct clients in complex and non-standard risks where Fulcrum Point's surety and commercial book is concentrated.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

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 Fulcrum Point Insurance