O'Donovan Insurance

What O'Donovan Insurance does

O'Donovan Insurance, LLC is a family-owned independent insurance agency headquartered in Glenelg, Maryland, operating continuously since 1989 across the Mid-Atlantic (Maryland, Washington DC, Virginia, and Pennsylvania). The agency serves four primary customer segments: small-to-large businesses (commercial liability, property, auto, workers compensation, umbrella, professional liability, health, surety bonds), individual and family consumers (homeowners, auto, renters, personal umbrella, flood, boat), specialty industries with hard-to-place risks (childcare via Daycare Defender, janitorial contractors, logging via Longleaf Forestry, fashion consultants via BoutiqueShield, weddings, construction contractors via ConstructSure), and financial services seekers (wealth management, investments, annuities, life, health, disability, mutual funds, key-man insurance via partner Oxenham Financial / Securities America).

The business model is a traditional independent agency structure: O'Donovan earns commissions by placing client policies with multiple insurance carriers rather than acting as a captive agent for a single company. There is no proprietary technology platform; operations run on a third-party Vertafore client portal that enables self-service policy tasks and secure document sharing, with all quoting, policy design, and client servicing delivered through licensed agents by phone, website form, and in-person consultation. Pricing is quote-based and not publicly disclosed, with coverage limits (e.g., general liability up to $1M/$2M+, personal umbrella $1M-$5M) configured per engagement.

Leadership is led by President Jeremiah O'Donovan (Certified Commercial Lines Coverage Specialist, joined the family business in 2005) alongside Controller Jackie Kastner and licensed account managers Brieanna Leakan and Jordan Hanson, under direct family ownership with no external institutional investors. The firm markets through its website, phone-based direct sales, and the client portal, with customer testimonials indicating small commercial and micro-business accounts rather than enterprise anchors.

Name

O'Donovan Insurance

Legal name

O'Donovan Insurance, LLC

Website

https://odonovaninsurance.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

O'Donovan Insurance is a family-owned independent insurance agency in Glenelg, Maryland, serving businesses, individuals, and specialty industries across the Mid-Atlantic with multi-carrier commercial, personal, and financial services products delivered through licensed agents.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industries

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Professional Liability (E&O) (FSAJAGAC)

Keywords

• Independent insurance agency
• Commercial insurance brokerage
• Personal lines insurance
• Specialty industry insurance
• Financial and wealth services

Headquarters

HQ city

Glenelg

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, Infrastructure

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, O'Donovan Insurance earns commissions from insurance companies when they sell policies on behalf of those carriers. They evaluate products from multiple insurance companies to find the best fit for clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

O'Donovan Insurance is a family-owned independent insurance agency that sells and services business, personal, financial, and specialty insurance products on behalf of multiple insurance carriers. Acting as an intermediary, the agency evaluates coverage options from various carriers and designs policies tailored to client needs, earning commissions from those carriers for placed policies. The firm serves both commercial and consumer clients across Maryland, DC, Virginia, and Pennsylvania through licensed independent insurance agents.

Product overview

O'Donovan Insurance is a family-owned independent insurance agency that offers a comprehensive portfolio of insurance and financial services products through multiple carrier partnerships. The offering is structured across four main categories: Business Insurance (including Business Liability, Property, Commercial Auto, Workers Compensation, Commercial Umbrella, Professional Liability, Business Health, and Surety Bonds), Personal Insurance (Homeowners, Auto, Renters, Personal Umbrella, Flood, and Boat coverage), Financial Services (Wealth Management, Investments, Annuities, Life Insurance, Health Insurance, Disability Insurance, Mutual Funds, and Key Man Insurance), and Specialty Insurance (Daycare Defender, Janitorial Insurance Group, BoutiqueShield, Longleaf Forestry Insurance, Wedding Insurance Group, and ConstructSure). As an independent agency, they evaluate products from multiple insurance companies on behalf of clients to design policies with the client's best interest in mind.

Differentiator

Problem solved

Functional benefit

Brands

• Daycare Defender: Insurance product designed to protect commercial or in-home childcare centers from liability and financial risks.
• Janitorial Insurance Group
• BoutiqueShield
• Longleaf Forestry Insurance
• Wedding Insurance Group
• ConstructSure

Products and services

• Business Liability Insurance Commercial general liability coverage that protects businesses against lawsuits arising from negligence, bodily injury, or property damage claims from customers or third parties. Coverage limits available include $500K/$1M, $1M/$1M, $1M/$2M and higher custom limits.
• Property Insurance Commercial property insurance that protects against damage to business buildings and contents from fire, flooding, vandalism, and other unforeseen circumstances.
• Commercial Auto Insurance Insurance coverage for vehicles used in the course of business, covering property damage, medical expenses, and lawsuits arising from accidents.
• Workers Compensation Insurance Coverage that protects employees who suffer job-related injuries, paying medical bills and providing disability income for time off work.
• Commercial Umbrella Insurance Extended liability coverage beyond standard business policies, protecting against costs that exceed primary policy limits.
• Professional Liability Insurance Coverage protecting businesses from lawsuits alleging negligence, malpractice, errors, or omissions in the delivery of professional services.
• Business Health Insurance Health coverage options for businesses and their employees, providing multiple plan choices from various insurance companies.
• Surety Bonds Contractual protection including bid bonds, performance bonds, payment bonds, and ancillary bonds to secure project contracts.
• Homeowners Insurance Property and liability coverage for homeowners protecting against damage from fire, burglary, frozen pipes, and covering valuable possessions.
• Auto Insurance Automobile insurance coverage protecting drivers and vehicles against accidents, property damage, and liability.
• Tenant/Condo Renters Insurance Coverage for renters and condo owners that protects personal possessions against damage from fire, flooding, and other perils.
• Personal Umbrella Insurance Additional liability coverage extending beyond standard homeowner, auto, or boat policy limits, available from $1 million to $5 million.
• Flood Insurance Coverage for flood damage, which is typically not covered by standard homeowners or renters insurance policies.
• Boat Insurance Coverage for boats, motors, trailers, medical expenses, and personal liability, including jet skis, sailboats, fishing boats, and house boats.
• Wealth Management Asset and wealth management services connecting clients with financial service companies for retail banking, estate planning, and financial planning.
• Investment Advisors Registered investment advisory services for managing portfolios including stocks, mutual funds, bonds, and annuities.
• Annuities Contractual investment products including fixed, indexed, and variable annuities providing periodic payments and tax-deferred growth.
• Life Insurance Financial protection for loved ones providing income replacement, investment hedging, or tax minimization through whole-life policies.
• Health Insurance Medical insurance coverage options including HMO, PPO, FFS, and POS plans for individuals and businesses.
• Disability Insurance Coverage providing income replacement for individuals unable to work due to debilitating conditions or family caregiving needs.
• Mutual Funds No-load mutual fund investment options for portfolio diversification and supplemental income, managed through investment advisors.
• Key Man Insurance Business protection against loss of key employees due to death or incapacitation, covering replacement hiring costs and lost revenue.
• Daycare Defender Specialty insurance product for commercial and in-home childcare centers protecting against accidents and liability claims.
• Janitorial Insurance Group Specialty coverage for commercial and residential janitorial contractors including general liability, commercial auto, and contractor's equipment protection.
• BoutiqueShield Home business insurance protecting independent fashion consultants from loss or damage to merchandise, equipment, and inventory.
• Longleaf Forestry Insurance Log truck and logging contractor insurance for the forestry industry, with over 20 years of specialized experience.
• Wedding Insurance Group Coverage protecting weddings against event disruptions including guest injuries, vendor no-shows, and equipment failures.
• ConstructSure Insurance coverage for construction industry contractors including general contractors, electricians, plumbers, painters, excavators, landscapers, HVAC, and drywall contractors.

Named customers3 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

Integration1 record

Partnerships

Six partnerships are on record, tiered specialty.

• Daycare DefenderspecialtyStrategic or Co-development PartnerSpecialty insurance product designed specifically for commercial or in-home childcare centers. Protects daycare businesses from accidents and liability claims.
• Janitorial Insurance GroupspecialtyStrategic or Co-development PartnerProvides commercial and residential janitorial insurance across the United States. Offers general liability, commercial auto, and contractor's equipment policies.
• Longleaf Forestry InsurancespecialtyStrategic or Co-development PartnerSpecialized log truck insurance company with over 20 years of experience. Provides coverage for the logging industry which faces significant daily risks.
• Wedding Insurance GroupspecialtyStrategic or Co-development PartnerProvides wedding insurance offering peace of mind against unforeseen circumstances that could disrupt the wedding day.
• ConstructSurespecialtyStrategic or Co-development PartnerInsurance provider for construction industry contractors including general contractors, electricians, plumbers, painters, excavators, landscapers, HVAC and drywall contractors.
• BoutiqueShieldspecialtyStrategic or Co-development PartnerHome business insurance policy designed to protect independent fashion consultants from loss or damage to business assets including computers, equipment, merchandise, and inventory.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown Insurance: Large national insurance brokerage distributing commercial, personal, and specialty lines through independent agents — same multi-carrier agency model as O'Donovan but at vastly greater scale and geographic reach.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with strong independent agency distribution; comparable in business mix (commercial P&C, benefits, specialty) but with Fortune 500 client scale and a national footprint.
• Acrisure: Fast-growing insurance brokerage and financial services platform that aggregates independent agencies; offers the same multi-carrier, multi-line model O'Donovan operates, with extensive specialty and affinity capabilities.
• Hub International: North American insurance brokerage built largely through roll-ups of independent agencies; comparable multi-carrier brokerage model and mid-market commercial focus, but with multi-state regional density O'Donovan lacks.
• State Farm: Largest U.S. personal-lines insurer with a captive agent distribution model competing for the same auto, home, and small-business insurance households O'Donovan targets, though via exclusive rather than independent agency model.
• USI Insurance Services: Large independent insurance brokerage serving middle-market commercial clients with multi-carrier placement and risk advisory — directly analogous in distribution model to O'Donovan but at far greater scale.
• RPS (Ryan Specialty): Specialty insurance broker and delegated authority authority — comparable in its specialty/affinity product focus (e.g., niche industry coverages) but at national scale rather than regional.

Regional players

• Erie Insurance Group: Regional P&C carrier with a strong captive-agent distribution model in the Mid-Atlantic and Northeast; competes for the same personal and small-commercial insurance customers O'Donovan serves in MD/PA/VA/DC.

Direct peers

• The Hilb Group: Mid-Atlantic-headquartered insurance brokerage built by acquiring independent agencies — the closest scale and geographic analog to O'Donovan, sharing commercial, personal, and benefits distribution.
• Insurance Office of America: Mid-size independent insurance agency offering commercial, personal, and specialty lines through multi-carrier placement; comparable independent brokerage model and family-business heritage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/odonovaninsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 O'Donovan Insurance