SJL Insurance Services

What SJL Insurance Services does

S J L Insurance Services, Inc is an independent insurance agency founded in 2009 and headquartered at 539 E Garvey Ave, Monterey Park, California, with an additional service location in Rosemead. The firm serves individuals, families, and small-to-medium businesses across the San Gabriel Valley and broader California market, providing access to multiple personal and commercial insurance lines through 12+ carrier partnerships including Allstate, Liberty Mutual, Nationwide, Progressive, Travelers, Safeco, Berkshire Hathaway Guard, AM Trust, Employers Insurance, KBIC, United Fire Group, and Utica.

The agency's product portfolio spans personal lines (auto, homeowners, motorcycle, boat/PWC, flood, earthquake, windstorm, life, health, Medicare, SR-22, classic car, ATV, RV, mobile home, condo, renters, landlord, umbrella) and commercial lines (Business Owners Packages, general liability, commercial auto, commercial real estate, contractors, commercial truck, workers' compensation, commercial property). The model is sales-led: customers engage via phone (626-387-6688), online quote forms, in-person consultation, and referrals. Customer testimonials highlight a single dedicated agent relationship with annual policy reviews and proactive renewal management as the primary service differentiator.

Revenue is earned on commission from carriers on policies sold and renewed, a recurring subscription-like revenue mechanic. The agency has 11-50 employees, no disclosed parent company, no external funding, and operates without proprietary technology platforms. Marketing channels include the website with quote forms and blog content, Google Ads and search, social media, monthly email newsletters, and customer referrals. Certifications disclosed are limited to a WCAG accessibility compliance program.

Name

SJL Insurance Services

Legal name

S J L Insurance Services, Inc

Website

https://sjlins.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

S J L Insurance Services is an independent insurance agency based in Monterey Park, CA, founded in 2009, serving individuals, families, and small-to-medium businesses across California with personal and commercial coverage from multiple carriers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industries

Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA), General Liability Insurance (FSAJAMAE)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance solutions
• Insurance brokerage services
• Property and casualty insurance

Headquarters

HQ city

Monterey Park

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, SJL Insurance Services earns revenue through commissions paid by insurance carriers (Allstate, AM Trust, Berkshire Hathaway Guard, Employers Insurance, KBIC, Liberty Mutual, Nationwide, Progressive, Safeco, United Fire Group, Travelers, Utica) for policies sold and renewed. The agency provides access to multiple insurance companies for customers seeking online quick quotes.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

S J L Insurance Services, Inc is an independent insurance agency that provides access to multiple insurance carriers for personal and commercial insurance needs. The agency offers auto, home, business, life, health, Medicare, and specialty insurance products, with licensed agents who shop policies annually to find optimal coverage and pricing for customers in the Monterey Park, CA area and throughout California.

Product overview

SJL Insurance Services is an independent insurance agency offering a comprehensive portfolio of both personal and commercial insurance products. The core offerings include Personal Insurance (auto, home, motorcycle, boat, flood, life) and Commercial Insurance (BOP, general liability, commercial auto, real estate, contractors). Additional specialty products span Medicare, SR22, umbrella, earthquake, windstorm, classic car, ATV, RV, and mobile home insurance. The company also offers extensive niche commercial coverages including restaurant, retail, construction, trucking, workers comp, and dozens of other business-specific policies. As an independent agency, they provide access to multiple insurance carriers including Allstate, Nationwide, Progressive, Liberty Mutual, Travelers, and others, enabling them to shop coverage options for customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Named customers4 records

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

Twelve partnerships are on record, tiered core.

• AllstatecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner whose products are sold through the SJL agency. Customers can access Allstate policies and make payments online or via phone through the agency.
• AM TrustcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options to SJL customers. Payment and claims handled through carrier portal.
• Berkshire Hathaway GuardcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner whose Guard Insurance products are offered through the SJL agency.
• Employers InsurancecoreChannel Partner/ Reseller/ DistributorWorkers' compensation insurance carrier partner available through the SJL agency.
• KBICcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by the SJL agency.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner whose products are sold and serviced through the SJL agency.
• NationwidecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner available to SJL customers for various coverage types.
• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner, particularly for auto insurance, represented by the SJL agency.
• SafecocoreChannel Partner/ Reseller/ DistributorLiberty Mutual subsidiary insurance carrier available through the SJL agency.
• The United Fire GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering commercial and personal lines through the SJL agency.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner represented by the SJL agency for various coverage types.
• UticacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner (Utica National) available through the SJL agency.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown: Brown & Brown (NYSE: BRO) is a large national insurance brokerage built via roll-ups of independent retail agencies such as SJL, offering personal, commercial, and specialty coverage across multiple carrier appointments.
• Acrisure: Acrisure is one of the largest US insurance brokerages, built largely by aggregating independent agencies and bringing them under a tech-enabled platform — representing the scaled, PE-aggregated version of SJL's independent-agency model.
• Marsh & McLennan: Marsh McLennan is the world's largest insurance brokerage and risk advisor, offering personal, commercial, and specialty coverage through independent-channel distribution — comparable to SJL's brokerage model at significantly larger scale.
• Hub International: Hub International is a major North American insurance brokerage formed by consolidating independent retail agencies with multi-carrier access across personal and commercial lines — comparable to what SJL would look like at scale post roll-up.
• Arthur J. Gallagher & Co. Gallagher (NYSE: AJG) is a global insurance brokerage and risk advisory firm serving commercial and personal lines clients with multi-carrier distribution and an active M&A program that frequently targets independent agencies similar to SJL.

Emerging players

• Next Insurance: Next Insurance is a digital-first SMB commercial insurer covering contractors, general liability, commercial auto, and workers' comp, competing directly for SJL's small commercial book through a fully online, no-agent purchase experience.
• Insureon: Insureon is an online commercial insurance marketplace specializing in placing small-business policies (general liability, BOP, workers' comp, professional liability) — overlapping with several of SJL's commercial lines via a digital experience.

Direct peers

• Brightway Insurance: Brightway is a multi-carrier franchise insurance agency model with hundreds of retail locations across the US selling the same personal and commercial lines (home, auto, BOP, specialty) that SJL offers. It is the most direct comp for SJL's independent-agent go-to-market.
• Goosehead Insurance: Goosehead operates a tech-enabled independent agency model with multi-carrier access across personal and commercial lines, similar to SJL's value proposition of shopping among multiple carriers. As a publicly traded franchisor it provides a scaled benchmark for SJL's model.

Others

• State Farm: State Farm is the largest US personal-lines writer operating a captive agent model that competes with independent agencies like SJL for personal auto and home customers — relevant context for SJL's positioning even though the distribution model differs.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

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 SJL Insurance Services