First Class Insurance Brokers
First Class Insurance Brokers is an independent Minnesota-based insurance agency founded by two former State Farm agents, serving individual consumers and small business owners with auto, home, business, life, and specialty insurance placed across 30+ carrier partnerships.
- Company typePrivate
- Founded-
- HeadquartersEagan, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What First Class Insurance Brokers does
First Class Insurance Brokers is an independent insurance agency headquartered in Eagan, Minnesota, co-founded by Marc K Sidaros and Joe Sticha — both former State Farm agents who transitioned to the independent channel after a combined ~28 years in captive agency roles. The firm serves individual consumers and small business owners across Minnesota, providing auto, home, business, and life insurance as core offerings, supplemented by specialty lines including umbrella, boat, recreational vehicle, motorcycle, and rental property coverage. Distribution is direct-to-consumer via licensed agents delivering personalized coverage consultations, with no proprietary technology platform — the firm relies on third-party tools such as Canopy for policy import and EzLynx for client self-service.
The business model is commission-based: as an independent brokerage representing more than 30 carriers (Travelers, Progressive, AAA, Nationwide, Liberty Mutual, Chubb, Safeco, Hartford, Berkshire Hathaway Homestate, and others), the agency earns transaction fees on policies placed. Pricing is fully individualized through carrier underwriting criteria, with no published tiers or recurring SaaS contracts. The firm is a member of Atlas Insurance Brokers LLC, which provides access to additional carrier relationships and back-office support. Go-to-market is sales-led and relationship-driven, relying on direct agent outreach, referrals, and organic social channels (Facebook, LinkedIn) for top-of-funnel awareness.
Operationally, the team comprises four people: two owner/agents (Marc K Sidaros and Joe Sticha), one Client Services Specialist (Heather Kinney, joined 2021 from Allstate), and one Personal Lines Account Manager (Angela Tuccitto, licensed since 1999 on the independent agency side). The company is privately held, founder-controlled, shows no external institutional investment, has no disclosed funding history, and operates a single Eagan, MN office with no geographic expansion signaled beyond the Minnesota market.
First Class Insurance Brokers firmographics
Firmographics- Name
- First Class Insurance Brokers
- Legal name
- First Class Insurance Brokers
- Website
- https://firstclassib.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- First Class Insurance Brokers is an independent Minnesota-based insurance agency founded by two former State Farm agents, serving individual consumers and small business owners with auto, home, business, life, and specialty insurance placed across 30+ carrier partnerships.
- Ownership category
- akta.pro rank
First Class Insurance Brokers industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
Keywords
Where First Class Insurance Brokers is headquartered
LocationHeadquarters
- HQ city
- Eagan
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
First Class Insurance Brokers business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Insurance Commissions: As an independent insurance brokerage, First Class Insurance Brokers earns commissions from insurance carriers for policies placed. Agents represent multiple insurance companies allowing them to find best coverage and rates for clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based individual pricing |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
First Class Insurance Brokers product offering
Product offeringCore offering
First Class Insurance Brokers is an independent insurance agency in Eagan, Minnesota that represents more than 30 insurance carriers (including Travelers, Progressive, AAA, Nationwide, Liberty Mutual, Chubb, The Hartford, Safeco, Berkshire Hathaway Homestate, and others) to place personal and commercial insurance policies on behalf of clients. The agency sells auto, home, business, and life insurance as its core offerings, and supplements them with specialty coverage such as umbrella, boat, recreational vehicle, motorcycle, and rental property insurance, earning commissions from carriers for policies placed.
Product overview
First Class Insurance Brokers is an independent insurance agency offering a unified portfolio of insurance products through multiple carrier partnerships. The core offerings include Auto, Home, Business, and Life insurance policies, supplemented by specialty coverage including Umbrella, Boat Owner's, Recreational Vehicles, Motorcycle, and Rental Property Insurance. As an independent agency, they represent multiple insurance carriers including Travelers, AAA, Progressive, Safeco, Nationwide, Hartford, Liberty Mutual, and many others, allowing them to tailor coverage options and rates to individual client needs.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Independent agents can offer more carrier options than captive agents
Companies that use First Class Insurance Brokers
Customer profileSegments5 records
Ideal customer profiles3 records
First Class Insurance Brokers technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
First Class Insurance Brokers partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Atlas Insurance Brokers LLCcoreFirst Class Insurance Brokers is a member of Atlas Insurance Brokers LLC, suggesting a membership or affiliation model that provides access to carrier relationships, technology platforms, and operational support.
- TravelerscoreMajor national insurance carrier providing personal and commercial insurance products. Represented as one of the primary carrier partners for auto, home, and business coverage.
- ProgressivecoreMajor national insurance carrier known for competitive auto insurance rates. Represented as a key carrier partner for auto and other personal lines coverage.
- NationwidecoreMajor national insurance carrier providing auto, home, and business coverage. Listed as a primary carrier partner on the agency website.
- Liberty MutualcoreMajor national insurance carrier offering comprehensive personal and commercial insurance products. Represented as one of the carrier partners on the agency website.
- ChubbcorePremium insurance carrier specializing in high-value personal and commercial coverage. Listed as a carrier partner on the agency website.
- AAA (Automobile Club)coreRegional insurance carrier and membership organization providing auto and home insurance. Listed as a carrier partner on the agency website.
- The HartfordcoreNational insurance carrier specializing in auto, home, and business coverage. Listed as a carrier partner on the agency website.
- SafecocorePersonal insurance carrier offering auto, home, and umbrella coverage. Listed as a carrier partner on the agency website.
- Berkshire Hathaway HomestatecorePart of Berkshire Hathaway's insurance group, providing personal and commercial coverage. Listed as a carrier partner on the agency website.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
First Class Insurance Brokers competitors and assessment
Company assessmentRegional players
- Erie Insurance: Regional insurance carrier using a network of independent agents in the Midwest and East; comparable independent-agent distribution model with personal and commercial lines focus in similar geographies to Minnesota.
- Secura Insurance: Midwest regional P&C carrier (headquartered in Wisconsin, strong in Minnesota) writing personal and commercial lines through independent agents; one of the carriers First Class represents and a comparable regional insurance player in the same MN/WI geography.
- Shelter Insurance: Regional mutual insurer using a captive-agent distribution model across the Midwest and South; comparable personal/commercial/life product mix and Minnesota-adjacent regional presence, though using exclusive rather than independent agents.
Emerging players
- Lemonade: Direct-to-consumer insurtech selling renters, homeowners, auto, and pet insurance online; competes for the same personal-lines customers First Class targets and represents a structural threat to the traditional independent agent model.
- Hippo Insurance: Insurtech focused on homeowners insurance with embedded smart-home protection; competes in the home insurance segment First Class brokers and is one of the carriers First Class now represents, illustrating the digital shift.
- The Zebra: Online insurance comparison platform letting consumers quote auto and home across carriers; comparable to First Class's multi-carrier shopping value proposition but delivered via a digital-first, no-agent model.
Direct peers
- Brightway Insurance: Franchise-based independent insurance agency representing multiple carriers for home, auto, and business coverage; directly comparable independent agency model with shared carrier relationships and commission economics.
- Goosehead Insurance: Large independent personal-lines agency franchise that shops across multiple carriers — same multi-carrier independent brokerage model as First Class but operating at franchise scale nationally.
Broad incumbents
- Trusted Choice: National network/brand for independent insurance agents and brokers; comparable as the umbrella organization aggregating many small independent agencies like First Class.
- Atlas Insurance Brokers LLC: Aggregator/network that First Class is a member of, providing shared carrier access and back-office support; comparable as the parent network aggregating independent agencies of similar size.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
First Class Insurance Brokers social profiles
Digital presenceFirst Class Insurance Brokers financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Class Insurance Brokers leadership team
Management profileNumber of profiles
Profiles4 records
First Class Insurance Brokers funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Class Insurance Brokers M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Class Insurance Brokers
What does First Class Insurance Brokers do?
First Class Insurance Brokers is an independent insurance agency in Eagan, Minnesota that represents more than 30 insurance carriers (including Travelers, Progressive, AAA, Nationwide, Liberty Mutual, Chubb, The Hartford, Safeco, Berkshire Hathaway Homestate, and others) to place personal and commercial insurance policies on behalf of clients. The agency sells auto, home, business, and life insurance as its core offerings, and supplements them with specialty coverage such as umbrella, boat, recreational vehicle, motorcycle, and rental property insurance, earning commissions from carriers for policies placed.
Is First Class Insurance Brokers a public or private company?
First Class Insurance Brokers is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was First Class Insurance Brokers founded?
First Class Insurance Brokers was founded in -1. It employs 1 to 10 people.
Where is First Class Insurance Brokers based?
First Class Insurance Brokers is headquartered in Eagan, United States, in the North America region.
How does First Class Insurance Brokers make money?
One revenue line is on record: insurance Commissions.
Who are First Class Insurance Brokers's main competitors?
Regional players on record are Erie Insurance, Secura Insurance and Shelter Insurance. Emerging players are Lemonade, Hippo Insurance and The Zebra. Direct peers are Brightway Insurance and Goosehead Insurance. Broad incumbents are Trusted Choice and Atlas Insurance Brokers LLC.
Does First Class Insurance Brokers have an API?
No public API is recorded for First Class Insurance Brokers.
What industry is First Class Insurance Brokers in?
First Class Insurance Brokers's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 52421 and its SIC code is 6411.