Kamiya Insurance Agency

What Kamiya Insurance Agency does

Kamiya Insurance Agency is an independent insurance brokerage founded in 1949 by Kay and Charles Kamiya in Los Angeles' Little Tokyo, and headquartered since 1991 at 373 Van Ness Ave, Suite 200, Torrance, California. The agency is family-owned, privately held, and operates with 1-10 employees, serving individuals, families, and small-to-medium businesses across the state of California. It is not a technology company and does not operate a proprietary software platform, mobile app, or API; its core technology is described as not applicable.

The agency's core products span four lines: personal insurance (auto, homeowners, renters, condo, umbrella), business insurance (commercial property, general liability, workers' compensation, commercial auto, commercial umbrella, inland marine, cyber liability), life insurance (term, whole, universal), and health insurance (medical, dental, group benefits). It places business with a portfolio of carrier partners including Tokio Marine, MAPFRE/Commerce West, Safeco, Anthem Blue Cross, Aetna, Blue Shield of California, Covered California, Health Net, Humana, and Kaiser Permanente, functioning as an intermediary broker rather than a risk-bearing entity.

Kamiya earns revenue through standard insurance agency commissions on new policy placements and renewals from its carrier partners. Its go-to-market is sales-led and relationship-driven: customers can request quotes online, by phone, or in person at the Torrance office during business hours (Mon-Fri 9:30am-5pm). The agency supports customer acquisition with an active blog and positions itself as a long-term "Insurance Professional" for clients, emphasizing carrier financial stability and multi-carrier choice. There are no disclosed technology investments, no funding rounds, no acquisitions, and no expansion beyond California.

Name

Kamiya Insurance Agency

Legal name

Kamiya Insurance Agency

Website

https://kamiyainsurance.com

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

1–10 employees

Short description

Kamiya Insurance Agency is a family-owned independent insurance brokerage in Torrance, California, founded in 1949, serving California individuals, families, and small businesses with auto, home, commercial, life, and health insurance placed through multiple carrier partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Life and health insurance
• Group benefits brokerage

Headquarters

HQ city

Torrance

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 Agency Commissions: As an independent insurance agency, Kamiya Insurance Agency earns commissions from insurance carriers for policies placed. They work with multiple insurance company partners including Tokio Marine, MAPFRE, Safeco, Anthem Blue Cross, and others. Revenue is generated through commissions on new policy placements and renewals.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Kamiya Insurance Agency is an independent insurance brokerage placing personal, commercial, life, health, and group benefits policies with multiple carrier partners on behalf of individuals, families, and businesses throughout California. The agency earns commissions from carriers such as Tokio Marine, MAPFRE, Safeco, and Anthem Blue Cross for new placements and renewals. Licensed agents consult customers in-person, by phone, or via online quote request forms.

Product overview

Kamiya Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products and services. Their core offerings include Personal Insurance (auto, homeowners, renters, condo), Business Insurance (commercial property, general liability, workers' compensation, commercial auto, commercial umbrella), Health Insurance, Life Insurance (term, whole, universal), and Group Benefits. They operate as an insurance broker intermediary, not a technology product company, connecting customers with insurance carrier partners including Tokio Marine, MAPFRE/Commerce West, Safeco, Anthem Blue Cross, Aetna, Blue Shield of California, Covered California, Health Net, Humana, and Kaiser Permanente. The agency does not offer a software platform or technology product.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal insurance coverage for individuals and families throughout California, encompassing automobile, homeowners, renters, condo, umbrella, and other personal policies. Customers include individuals and families seeking protection for personal assets and liability.
• Auto Insurance
• Homeowners Insurance
• Renters Insurance
• Condo Insurance
• Umbrella Insurance
• Business Insurance
• Commercial Property Insurance
• General Liability Insurance
• Workers' Compensation Insurance
• Commercial Auto Insurance
• Commercial Umbrella Insurance
• Cyber Liability Insurance
• Health Insurance
• Life Insurance
• Group Benefits

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and secondary.

• Tokio Marine and Nichido Fire Insurance CompanycoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing property and casualty insurance products. Tokio Marine is a globally recognized insurance company with strong financial backing.
• MAPFRE/Commerce WestcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing various commercial and personal insurance products through the agency.
• Safeco Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal insurance products including auto and home coverage.
• Anthem Blue CrosscoreChannel Partner/ Reseller/ DistributorMajor health insurance carrier partner providing medical and health insurance coverage options.
• AetnasecondaryChannel Partner/ Reseller/ DistributorHealth insurance carrier providing claims and payment services for health insurance policies.
• Blue Shield of CaliforniasecondaryChannel Partner/ Reseller/ DistributorCalifornia-focused health insurance carrier partner for health coverage.
• Covered CaliforniasecondaryChannel Partner/ Reseller/ DistributorCalifornia health insurance marketplace partner for individual and family coverage.
• Health NetsecondaryChannel Partner/ Reseller/ DistributorHealth insurance carrier partner offering various health plan options.
• HumanasecondaryChannel Partner/ Reseller/ DistributorHealth insurance carrier partner for medical coverage.
• Kaiser PermanentesecondaryChannel Partner/ Reseller/ DistributorHealth maintenance organization partner for integrated health coverage.

Scale indicators2 records

Recent moves7 records

Expansion highlights3 records

Broad incumbents

• Brown & Brown, Inc. Large publicly traded insurance brokerage operating across commercial, personal, and employee benefits lines with a network of acquired independent agencies including California locations. Comparable as an insurance intermediary and aggregator of independent agency books, though far larger and diversified across geographies.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm offering commercial, personal, and benefits products through a national network including California. Comparable in line of business (independent agency/brokerage model across P&C, life, health) but at substantially larger scale with broad enterprise and retail capabilities.
• Hub International: Large global insurance brokerage with significant California operations, offering commercial, personal, life, and benefits through a network of acquired agencies. Comparable as an insurance intermediary operating with multiple carrier relationships and serving SMB clients, though at enterprise scale and via M&A roll-up model.
• Marsh McLennan: Global insurance brokerage and risk advisory firm operating across commercial P&C, employee benefits, and risk consulting with significant California presence. Comparable as an insurance intermediary and brokerage competitor, though focused on larger commercial accounts and risk advisory services beyond Kamiya's SMB focus.

Direct peers

• ABD Insurance & Financial Services: California-based independent insurance brokerage and financial services firm offering commercial, personal, and employee benefits solutions. Comparable as a California-headquartered, multi-line independent agency operating with similar carrier placement model.
• Woodruff Sawyer & Co. Independent insurance brokerage based in the San Francisco Bay Area providing commercial, personal, and employee benefits solutions through multiple carrier relationships. Directly comparable as a California-rooted, multi-line independent brokerage with similar product breadth to Kamiya.
• Leavitt Group: National network of independent insurance agencies offering commercial, personal, life, and benefits products across multiple U.S. states. Comparable as an independent agency model operating with multiple carrier partners and a multi-line, multi-state footprint, though at substantially larger scale than Kamiya.
• Heffernan Insurance Brokers: Independent insurance brokerage headquartered in the San Francisco Bay Area, serving California businesses and individuals with a similar multi-carrier, multi-line brokerage model including commercial, personal, life, and benefits. Highly comparable as a California-focused independent agency of similar nature to Kamiya.
• Insurica Insurance Group: Independent insurance agency network offering commercial, personal, and benefits products across multiple U.S. states. Comparable as a multi-line, multi-carrier independent agency with similar product mix and SMB/middle-market customer profile to Kamiya.

Emerging players

• Costco Insurance Agency (via CONNECT, Powered by American Family): Direct-to-consumer home and auto insurance program sold through Costco's member channel, often cited as an example of non-traditional distribution challenging independent agencies. Comparable as a competing distribution channel for personal lines, though it bypasses traditional agents and represents the kind of disruption Kamiya's model faces.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Kamiya Insurance Agency