Kevin O'Brien Insurance Agency

What Kevin O'Brien Insurance Agency does

Kevin O'Brien Insurance Agency, operating under the trade name Coastside Insurance Agency, is a privately held independent insurance agency headquartered at 720 Kelly Avenue in Half Moon Bay, California. Founded and owned by Kevin O'Brien, the firm operates with a four-person staff (Kevin, Melissa, Adam, Claudia) and distributes personal and commercial insurance products as an independent agent representing 11+ carrier partners, including Chubb, Fidelity National, Foremost, Geovera, ICAT, Nationwide, PersonalUmbrella.com, Progressive, Safeco, The Hartford, and Travelers. The agency serves individuals, small business owners, and farm owners primarily in the California coastal market.

The agency's core product portfolio spans auto, homeowners, business, farm, recreational vehicle (RV, boat, motorcycle, ATV, snowmobile), and renters insurance, with specialty and add-on offerings including earthquake coverage, personal umbrella liability, identity theft protection, wedding and special events insurance, mobile home and condominium coverage, and rental reimbursement. The agency's underlying technology consists of carrier-provided quoting and policy management platforms; no proprietary technology or AI capabilities are evident in the disclosed materials.

The revenue model is commission-based on insurance premiums placed with carrier partners, with policies quoted individually based on coverage needs and risk profiles and billed on a monthly cadence. Distribution is sales-led through direct customer engagement via phone (650-726-6328), in-person visits at the Half Moon Bay office, and an online contact form, supplemented by content marketing (blog), a Facebook social presence, a Refer-A-Friend program, and customer testimonials on Google and Yelp. The firm reports having "successfully served hundreds of customers" in its service area, with no disclosed revenue figures.

Name

Kevin O'Brien Insurance Agency

Legal name

Kevin O'Brien Insurance Agency

Website

https://kevinobrieninsurance.com

Company type

Private

Operating status

Operating

Short description

Kevin O'Brien Insurance Agency (DBA Coastside Insurance Agency) is a privately held independent insurance agency in Half Moon Bay, California, distributing auto, home, business, farm, and recreational insurance across 11+ carrier partners to individual consumers, small businesses, and farm owners.

Ownership category

akta.pro rank

Product category

Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial lines insurance
• Farm insurance coverage
• Insurance brokerage services

Headquarters

HQ city

Half Moon Bay

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Commissions: The agency earns commissions from insurance carriers for policies sold. As an independent agency, they represent multiple insurance companies and receive compensation based on policies placed with each carrier.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Kevin O'Brien Insurance Agency is an independent insurance brokerage that sells personal, commercial, and farm insurance policies on behalf of multiple carrier partners. Its core offerings include auto, homeowners, business, farm, recreational vehicle, renters, and earthquake insurance, with additional specialty coverages such as personal umbrella and identity theft protection. The agency shops the market across 11+ carriers to match each customer with coverage at the lowest price.

Product overview

Kevin O'Brien Insurance Agency operates as an independent insurance agency offering a comprehensive portfolio of insurance products. The core offerings include Auto, Homeowners, Business, Farm, Recreational Vehicle, and Renters insurance. The agency provides specialized sub-products such as Rental Reimbursement, Mobile Home, and Condominium coverage under homeowners. Business insurance encompasses Business Owners Policy, Commercial Real Estate, Crime, Equipment Coverage, Product Liability, and Technology coverage. The agency also offers add-on products including Personal Umbrella, Identity Theft Protection, Wedding Insurance, and Special Events coverage. As an independent agency, they represent multiple carrier partners to shop the market for the best policy to suit customer needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for vehicles including liability, collision, and comprehensive protection, with options such as rental reimbursement; quoted and placed across multiple carrier partners for individual drivers.
• Homeowners Insurance Coverage for residential properties including mobile home and condominium options, quoted across multiple carrier partners for homeowners in the Half Moon Bay area.
• Business Insurance Commercial coverage for small businesses including Business Owners Policy, Commercial Real Estate, Crime, Equipment Coverage, Product Liability, and Technology insurance, placed through carrier partners such as The Hartford and Travelers.
• Farm Insurance Specialized coverage for agricultural operations and farm assets, placed through specialty farm carriers including Foremost and Nationwide.
• Recreational Vehicle Insurance Coverage for RVs, boats, motorcycles, ATVs, and snowmobiles, placed through carrier partners offering recreational vehicle policies.
• Renters Insurance Coverage for tenants renting residential properties, placed through carrier partners offering renters policies.
• Earthquake Insurance Coverage for earthquake damage to properties, placed through specialty catastrophe carriers including Geovera and ICAT.
• Personal Umbrella Insurance Additional liability coverage that extends beyond standard policy limits, placed through PersonalUmbrella.com and other carrier partners.
• Identity Theft Protection Coverage and protection against identity theft incidents, placed through carrier partners offering identity theft endorsements.
• Wedding Insurance Coverage for weddings and other special events, placed through carrier partners offering event insurance.
• Special Events Insurance Coverage for various special events beyond weddings, placed through carrier partners offering event insurance.
• Coverage for Specific Industries Industry-specific insurance solutions tailored for specialized business sectors, placed through carrier partners with relevant underwriting expertise.

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 minor.

• Fidelity National Insurance CompanycoreChannel Partner/ Reseller/ DistributorNational insurance carrier offering various property and casualty products distributed through independent agents.
• ForemostcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier known for unique risk coverage including mobile homes, specialty dwellings, and niche insurance products.
• GeoveracoreChannel Partner/ Reseller/ DistributorSpecialty earthquake and catastrophe insurance provider offering coverage in high-risk earthquake zones.
• ICAT Catastrophe InsuranceminorChannel Partner/ Reseller/ DistributorCatastrophe insurance specialist providing coverage for severe weather and catastrophe events.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier offering a broad range of personal and business insurance products.
• PersonalUmbrella.comcoreChannel Partner/ Reseller/ DistributorSpecialty carrier focused on personal umbrella liability insurance policies.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor auto and personal lines insurance carrier known for competitive pricing and various coverage options.
• SafecocoreChannel Partner/ Reseller/ DistributorPersonal lines insurance carrier (Liberty Mutual subsidiary) offering bundled auto, home, and umbrella coverage.
• The HartfordcoreChannel Partner/ Reseller/ DistributorMajor commercial and personal lines carrier, particularly strong in business insurance and mid-market accounts.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor property and casualty insurance carrier offering commercial and personal lines products.

Scale indicators1 record

Recent moves1 record

Expansion highlights3 records

Broad incumbents

• Marsh McLennan: Global professional services firm with Marsh as a leading insurance brokerage. Comparable broker-of-record function but at enormous scale and concentrated in complex commercial and specialty risks.
• Brown & Brown: National insurance brokerage providing personal and commercial risk solutions across many carriers. Overlapping distribution model with far greater geographic reach and commercial focus.
• Hub International: Global insurance brokerage offering personal, commercial, and employee benefits through multiple carriers. Comparable multi-carrier brokerage model but at enterprise scale with institutional ownership.
• Integrity Marketing Group: Large insurance brokerage and distributor consolidating independent agents and agencies. Comparable in business model (multi-carrier distribution) but vastly larger scale and backed by private equity.
• Arthur J. Gallagher: Major global insurance brokerage and risk management firm with multi-carrier distribution. Highly comparable distribution model though primarily serving larger commercial and specialty accounts.

Emerging players

• Insurify: Digital insurance comparison and distribution platform for personal lines. Comparable in that customers shop multiple carriers for the best rate, but it bypasses the traditional local agent and competes directly for the same end customer.
• Lemonade: Direct-to-consumer insurtech selling auto, home, renters, and pet insurance online. Adjacent to the agency's core personal lines products and represents the disintermediation threat facing agency distribution.

Direct peers

• Brightway Insurance: Franchise-based independent insurance agency platform offering home, auto, and business lines through multiple carriers. Directly comparable model to a multi-carrier independent shop focused on personal and small commercial coverage.
• Goosehead Insurance: Public independent insurance agency franchise that distributes personal and commercial lines across multiple carriers. Highly comparable business model to Kevin O'Brien, though operating at vastly greater scale and with a franchise structure.
• SmartFinancial: Digital-enabled independent insurance agency distributing personal and commercial lines across multiple carriers nationwide. Comparable multi-carrier agency model with a more digital front-end than a traditional local agency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookm.facebook.com/profile.php?id=100069365160746&_rdr

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 Kevin O'Brien Insurance Agency