Coastal Insurance Services

What Coastal Insurance Services does

Coastal Insurance Services is a privately-held retail insurance brokerage that was founded in 2008 and focused on personal lines insurance, including homeowners and auto coverage for individual consumers. The firm also maintained commercial lines capabilities — most prominently serving contracting and trucking industries — through an affiliated Illinois-based agency, Optimal Insurance Solutions, both led by veteran executive Rolando Gonzalez. Revenue was generated through commissions paid by insurance carriers for placing business, operating under a standard retail brokerage model that connected individual and commercial clients with multiple carrier partners.

In May 2026, Coastal Insurance Services was acquired by Inszone Insurance Services, a Sacramento-based national insurance broker, alongside its affiliate Optimal Insurance Solutions. The transaction marked Inszone's entry into the Florida market and was framed by Inszone CEO Chris Walters as a foundation for broader Southeast regional expansion. Following the acquisition, both agencies operate under the Inszone banner, retaining existing leadership while gaining access to Inszone's back-office support and broader carrier relationships. Financial terms of the deal were not disclosed, and there is no public indication of proprietary technology, AI/ML capabilities, or differentiated digital infrastructure — Coastal's value rests on established agent-client relationships and carrier placement access rather than technology-enabled differentiation.

Name

Coastal Insurance Services

Legal name

Coastal Insurance Services

Website

https://coastalinsurance.com

Company type

Private

Founded year

2008

Operating status

Acquired

Short description

Coastal Insurance Services was a privately-held retail insurance brokerage founded in 2008, specializing in personal lines (homeowners, auto) and commercial lines for contracting and trucking clients. It was acquired by Inszone Insurance Services in May 2026 as its Florida market-entry vehicle.

Ownership category

akta.pro rank

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)

akta.pro secondary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Personal lines insurance
• Commercial lines insurance
• Insurance brokerage services
• Property and casualty insurance
• Commercial trucking insurance

Headquarters

HQ city

Port Moody

HQ country

Canada

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 Brokerage Commissions: Generates revenue through commissions paid by insurance carriers for placing business. Operates as a retail insurance agency/broker placing personal and commercial insurance policies with carrier partners.

Distribution channels1 record

Core offering

Coastal Insurance Services operates as a retail insurance brokerage firm, placing personal and commercial insurance policies on behalf of customers with multiple carrier partners. The company's primary focus since its 2008 founding has been personal lines coverage (homeowners and auto), with commercial lines (general liability, commercial auto, business property) served primarily through contracting and trucking clients via its affiliate Optimal Insurance Solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Lines Insurance
• Commercial Lines 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

One partnership is on record.

• Inszone Insurance ServicescoreStrategic or Co-development Partner · 14 May 2026Inszone Insurance Services, a Sacramento-based national insurance broker, acquired Coastal Insurance Services in May 2026. The acquisition marks Inszone's entry into Florida and extends its footprint across the Southeast. Both acquired agencies (Coastal and affiliate Optimal Insurance Solutions) are led by executive Rolando Gonzalez and will operate under the Inszone banner with access to its back-office support and broader carrier relationships. Inszone CEO Chris Walters stated the transaction establishes a foundation for broader regional expansion while strengthening capabilities in commercial sectors.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• HUB International: Large multi-line insurance brokerage serving personal, commercial, and specialty lines across the U.S. and Canada. Highly comparable to the Coastal/Optimal combination in scope (personal + commercial verticals) and in being built on aggressive acquisition-based growth.
• Brown & Brown Insurance: Publicly traded insurance brokerage executing a long-running acquisition strategy across personal and commercial lines. Closely comparable to Coastal/Optimal in terms of customer base (individuals + contractors/commercial accounts) and roll-up playbook.
• Arthur J. Gallagher & Co. Global insurance brokerage with a large retail personal-and-commercial U.S. franchise. Comparable in service mix to the Coastal/Optimal combination, though vastly larger in scale.
• Acrisure: Tech-enabled global insurance brokerage that scaled primarily through acquisitions of independent agencies. Directly comparable operating model to Coastal's situation post-Inszone acquisition (small agency absorbed into a fast-growing roll-up platform).
• Alliant Insurance Services: Specialty-heavy insurance brokerage serving mid-market and commercial clients across the U.S. Comparable to Coastal/Optimal in its blend of personal and commercial capabilities and its acquisition-led regional expansion.
• Inszone Insurance Services: Direct parent and acquirer of Coastal Insurance Services. A Sacramento-based national insurance broker pursuing a multi-state roll-up strategy across personal and commercial lines — the most structurally comparable peer as the platform into which Coastal has been absorbed.

Direct peers

• RPS (Risk Placement Services): Specialty wholesale/retail insurance brokerage with strong exposure to transportation and commercial auto/trucking — directly comparable to Optimal Insurance Solutions' trucking/contractor vertical niche.
• Hilb Group: Mid-market insurance brokerage built through acquiring independent agencies across the Southeast U.S. Closely comparable to Coastal's profile (small Southeast-focused personal/commercial agency absorbed into a roll-up platform).
• PCF Insurance Services: PCF-backed retail insurance brokerage aggregator acquiring local agencies across personal and commercial lines across the U.S. Closely comparable to Coastal as a roll-up target inside a private-equity-backed brokerage platform.
• Higginbotham: Employee-owned U.S. insurance broker built via acquisitions of independent agencies; comparable in size, growth orientation, and Southeast geographic emphasis to Coastal under the Inszone umbrella.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/coastal-insurance-services-ltd-

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Coastal Insurance Services