Altshuler Insurance Services

What Altshuler Insurance Services does

Altshuler Insurance Services, Inc. is a privately held, family-operated independent insurance agency headquartered at 2247 San Diego Avenue, Suite 204, San Diego, California (CA License #OD10270). Founded in 1987 by Earl Altshuler, who began his insurance career in 1977, the agency operates under a multi-carrier distribution model, holding appointments with carriers including Logosharp, United Healthcare, Guardian, Mutual of Omaha, and State Fund. It serves both individual consumers and businesses ranging from small companies to employer groups of 600+ employees.

The agency offers a broad portfolio of 19 insurance product categories spanning personal lines (auto, homeowners, renters, manufactured home, flood, life, term life, annuities, health, dental, vision, disability, long-term care, Medicare supplement/advantage) and commercial lines (commercial auto, general liability, business owners policy, workers compensation, builders risk). Distribution is primarily direct-to-customer via a website (www.altinsur.com) that aggregates online quote forms for every product line and provides a 24/7 self-service customer portal for ID cards, declaration pages, and policy changes. The website is built on a third-party Insurance Website Builder platform; no proprietary technology stack is disclosed.

Revenue is generated entirely through carrier commissions on policies placed, with premium pricing set individually by each carrier based on risk profile and coverage. The agency operates as a lifestyle business with no external funding, no M&A activity, and a lean 11–50 employee organization led by Earl Altshuler (President), Ryan Altshuler (Consultant), and Sandra Altshuler (Office Manager). Geographic focus is California, particularly San Diego County, with explicit restrictions on Medicare products to California residents only.

Name

Altshuler Insurance Services

Legal name

Altshuler Insurance Services, Inc.

Website

https://altinsur.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Altshuler Insurance Services is a privately held, family-run independent insurance agency in San Diego, California, offering 19 personal and commercial insurance product lines from multiple carriers to individuals and businesses, including employer groups of 600+ employees.

Ownership category

akta.pro rank

Headquarters

HQ city

San Diego

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Altshuler Insurance Services earns commissions from multiple insurance carriers for policies placed. The agency maintains relationships with dozens of insurance companies including Logosharp, United Healthcare, Guardian, Mutual of Omaha, and State Fund.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Altshuler Insurance Services is an independent insurance agency that places personal and commercial insurance policies on behalf of customers by brokering coverage across dozens of insurance carriers. The firm provides online quote request forms for 19 product categories spanning auto, homeowners, life, health, dental, vision, Medicare, disability, long-term care, annuities, and renters insurance for individuals, as well as commercial auto, general liability, business owners policy (BOP), workers compensation, and builders risk insurance for businesses. As an agent, the company earns commissions from carriers rather than underwriting policies itself.

Product overview

Altshuler Insurance Services is an independent insurance agency offering a comprehensive portfolio of insurance products through an online quote and customer service platform. The company provides access to multiple insurance carriers, enabling customers to compare coverage options. The core offering consists of 19 distinct insurance product categories spanning personal lines (auto, homeowners, renters, life, dental, vision, health, Medicare) and commercial lines (commercial auto, general liability, BOP, workers compensation, builders risk). All products are accessible via online quote request forms and a 24/7 self-service customer service portal for policy management tasks including ID card requests, adding/removing vehicles and drivers, and declaration page requests.

Differentiator

Problem solved

Functional benefit

Products and services

• Annuity Insurance Online quote request form for annuity products covering fixed, equity index, and variable annuity types with investment amounts from $5,000 to over $100,000; intended for individuals planning retirement income or long-term savings.
• Auto Insurance

Quantifiable outcome

• Serving clients from individual policies to large groups of 600+ employees

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• LogosharpcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering products through the independent agency channel.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorMajor health insurance carrier partner providing health coverage options to agency customers.
• GuardiancoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering various insurance products through the independent agency.
• Mutual of OmahacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing products including health, life, and Medicare coverage options.
• State FundcoreChannel Partner/ Reseller/ DistributorWorkers compensation insurance carrier partner for business clients.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Emerging players

• SmartFinancial: Online insurance comparison and brokerage platform that digitizes the multi-carrier quote experience Altshuler offers manually — represents the emerging insurtech competitive threat to traditional independent agencies.
• The Zebra: Digital insurance comparison marketplace enabling consumers to compare auto, home, and life quotes across multiple carriers online — illustrates the emerging digital-first distribution model competing with traditional agencies like Altshuler.

Others

• Hub International: North American insurance brokerage providing property/casualty, benefits, and personal lines through a hub-and-spoke model — analogous to Altshuler's agency concept but at vastly greater scale.

Broad incumbents

• Brown & Brown: Diversified national insurance brokerage serving commercial, personal, and benefits markets — a scaled industry incumbent whose multi-carrier agency model and M&A roll-up strategy bracket Altshuler's competitive context.
• USI Insurance Services: Large national insurance brokerage and consulting firm providing property/casualty, employee benefits, and personal insurance — represents the scaled, broader-incumbent counterpart to Altshuler's independent agency model.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm with deep multi-line capabilities — represents the large incumbent whose carrier relationships and product breadth dwarf independent agencies like Altshuler.

Direct peers

• Fred C. Church Insurance: Regional independent insurance agency offering multi-line personal, commercial, and benefits coverage with a comparable emphasis on local advisory service and multi-carrier placement.
• Leavitt Group: Independent insurance agency network offering personal, commercial, and employee benefits across multiple states via local offices — closely aligned with Altshuler's multi-carrier brokerage model and small/mid-market client base.
• Higginbotham: Large independent insurance brokerage offering multi-line personal and commercial coverage through a similar multi-carrier agency model, with comparable producer-driven distribution and small-to-mid-market employer focus.
• The Liberty Company Insurance Brokers: Independent insurance brokerage delivering personal and commercial lines through a multi-carrier distribution model, comparable to Altshuler in operating philosophy and target customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/earlalt
• Facebookfacebook.com/earlalt24
• LinkedInlinkedin.com/pub/earl-altshuler/2/70a/69a

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Altshuler Insurance Services