Ratcliffe Insurance

What Ratcliffe Insurance does

Ratcliffe Insurance is a third-generation, family-owned independent insurance agency founded in 1900 and headquartered in Manassas, Virginia. The firm operates from a single office at 9404 Battle Street and has been continuously under family stewardship for over 120 years, with Judy Ratcliffe serving as President in the current generation. Its positioning as an independent agency, rather than a captive or direct carrier, defines its core function in the value chain.

The agency offers both personal and commercial insurance products across multiple lines, distributing policies on behalf of multiple insurance carriers. Its customer base consists of individuals, families, and small-to-mid-sized businesses located primarily in Virginia. The product set is characteristic of a generalist independent agency rather than a specialty broker, and there is no indication of proprietary technology, digital quoting infrastructure, mobile applications, or data assets underlying the operation. Producer-customer relationships appear to be the primary service interface.

The business model is commission-based: Ratcliffe Insurance earns revenue via commissions paid by the insurance carriers whose policies it places and renews. With four named personnel and a single physical location, the agency operates at a small scale relative to regional brokerages. No funding events, M&A activity, or disclosed financial metrics were identified in the available data, indicating a stable, privately held operating profile with no external capital structure visible.

Name

Ratcliffe Insurance

Legal name

Ratcliffe Insurance

Website

https://ratcliffeinsurance.net

Company type

Private

Founded year

1900

Operating status

Operating

Headcount range

1–10 employees

Short description

Ratcliffe Insurance is a third-generation, family-owned independent insurance agency founded in 1900 in Manassas, Virginia. It places personal and commercial coverage from multiple carriers for individuals, families, and small businesses across Virginia, earning carrier-paid commissions.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Notary / Bail / Miscellaneous Consumer Bonds (FSAJAIAK)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial lines insurance
• Surety bond services
• Virginia insurance broker

Headquarters

HQ city

Manassas

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

Revenue model

1. Insurance Sales and Brokerage: As an independent insurance agency, Ratcliffe Insurance generates revenue through commissions from insurance carriers for policies sold. The agency works with multiple underwriters and providers, earning a percentage of each premium written. Revenue is earned on new policy sales and renewal commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Ratcliffe Insurance is an independent insurance agency based in Manassas, Virginia, established in 1900, that brokers personal and commercial insurance products from multiple carriers and underwriters. The agency advises customers, customizes coverage, and earns commissions on policies placed, spanning personal auto, homeowners, life and health, commercial auto, general liability, workers' compensation, surety bonds, and specialty coverages.

Product overview

Ratcliffe Insurance is a full-service independent insurance agency offering a comprehensive portfolio of insurance products across personal and commercial lines. Rather than being a unified software platform, the company provides personalized insurance advisory services combined with access to multiple insurance products from various underwriters. The core offerings include personal lines (auto, homeowners, renters, motorcycles, watercraft, recreational vehicles), commercial lines (commercial auto, general liability, property & casualty, workers' compensation), specialty products (fidelity & surety bonds, condominium insurance, investment/rental properties), and catastrophic coverage (fire, flood, earthquake). As an independent agency established in 1900, the company serves as an intermediary matching customer insurance needs with appropriate coverage from multiple insurance carriers rather than offering a proprietary tech product.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Coverage for personal vehicles including automobiles and other personal driving risks, placed with multiple carriers through the independent agency. Targeted at individual consumers and families.
• Commercial Auto Insurance Insurance coverage for business vehicles and commercial fleet operations, arranged through carrier partners. Targeted at business owners and commercial fleet operators.
• Health & Life Insurance Individual and group health insurance plans as well as life insurance policies. Targeted at individuals, families, and small businesses seeking health and life protection.
• Fidelity & Surety Bonds Fidelity bonds protecting businesses from employee dishonesty and surety bonds for contract fulfillment and professional licensing requirements. Targeted at businesses that need contractual or regulatory bond coverage.
• General Liability Insurance Coverage protecting businesses against third-party claims for bodily injury, property damage, and personal injury. Targeted at businesses of various sizes.
• Property & Casualty Insurance

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

Three partnerships are on record, tiered minor.

• Prince William Chamber of CommerceminorOthersAgency is a member of the Prince William Chamber of Commerce, providing networking opportunities and local business community engagement in the Manassas/Potomac region of Virginia.
• Independent Insurance Agents of VirginiaminorOthersMembership in the state-level association for independent insurance agents, providing advocacy, education, and industry resources.
• Professional Insurance Agents of VirginiaminorOthersProfessional association membership offering continuing education, industry advocacy, and professional development resources for insurance agents.

Scale indicators2 records

Recent moves3 records

Broad incumbents

• Allstate: Major national personal lines carrier with both captive agents and a growing direct channel; a direct competitor to Ratcliffe for Virginia households seeking auto, homeowners, and life coverage.
• Acrisure: One of the largest insurance brokerage consolidators globally, actively acquiring independent agencies like Ratcliffe. Highly comparable business model (multi-carrier independent agency) but operating at vastly larger scale and as a serial acquirer of small agencies.
• HUB International: North American insurance brokerage built largely through acquisition of independent agencies serving personal and commercial clients. Direct parallel to Ratcliffe's model at meaningfully larger scale.
• Brown & Brown: Major U.S. insurance brokerage and agency that grows largely through acquiring independent agencies across personal and commercial lines. Same independent agency revenue model, broader geographic footprint and product set.
• State Farm: Largest U.S. personal lines insurer operating a captive agent model, directly competing with Ratcliffe for the same Virginia personal auto and homeowners customers but restricted to a single carrier's product set.
• Geico: Direct-to-consumer auto and home insurer with no independent agency channel; competes head-to-head with Ratcliffe on price in the personal auto category and exerts structural commission pressure on the agency channel.
• Arthur J. Gallagher: Global insurance brokerage and risk management firm that acquires regional independent agencies to expand its retail brokerage arm. Closely aligned business model as an intermediary placing business with multiple carriers.
• Marsh McLennan: The world's largest insurance broker and risk advisor, owning retail agencies that match Ratcliffe's multi-carrier placement model across personal and commercial lines, though focused more on enterprise risk.

Regional players

• Erie Insurance Group: Mid-Atlantic-focused property and casualty carrier that sells exclusively through independent agents, including agencies in Virginia. Comparable product mix on the personal and small commercial side and a likely carrier partner for an agency like Ratcliffe.

Direct peers

• Hilb Group: Mid-Atlantic-based independent insurance brokerage and now part of Acrisure, offering personal and commercial lines through multiple carrier relationships. Most structurally similar to Ratcliffe in size, geography, and product mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/ratclif65528944
• Facebookfacebook.com/Ratcliffe-Insurance-418777918157975
• LinkedInlinkedin.com/company/ratcliffe-insurance

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 Ratcliffe Insurance