One Call Insurance Agency

What One Call Insurance Agency does

One Call Insurance Agency is a privately held, founder-owned independent insurance brokerage incorporated in Massachusetts, USA, founded in February 1992 by Harold S after a prior tenure as a field agent with Metlife Insurance Company beginning in December 1989. The agency operates from a single location in Massachusetts with disclosed business hours (Monday-Thursday 10:00 AM to 5:00 PM, Friday 9:00 AM to 3:00 PM, Saturday-Sunday by appointment) and is reachable primarily through a single phone line (617-782-2255) and a GoDaddy-hosted marketing website.

The brokerage's product portfolio spans personal and commercial lines, including Life, Home, Auto, Fire, Flood, Business, Health & Dental, and stand-alone Jewelry/Fine Art coverage. Its service model is a personalized needs-assessment process in which the agency analyzes each customer's circumstances and matches them to an appropriate carrier and product across the multi-line catalog. Distribution is direct-to-consumer — phone, website contact form, and in-office consultation — with no intermediary partners, embedded mobile application, or self-service digital quoting tool.

Revenue mechanics are commission-based, earned on policies placed with underlying carriers; pricing is quote-driven and not publicly disclosed. The company has no disclosed technology stack, no AI/ML capabilities, no third-party integrations, no social media presence beyond a website, and no external institutional funding or parent organization. Customer segmentation is horizontal: individual consumers and business owners within Massachusetts.

Name

One Call Insurance Agency

Legal name

One Call Insurance Agency

Website

https://onecallinsurance.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1–10 employees

Short description

One Call Insurance Agency is an independent, founder-owned insurance brokerage in Massachusetts, founded in 1992 by Harold S. It sells personal and commercial coverages — Life, Home, Auto, Fire, Flood, Business, Health & Dental, and Jewelry/Fine Art — to individuals and local businesses via phone and in-office consultation.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Personal insurance coverage
• Business insurance solutions
• Life and health insurance
• Property and casualty insurance

Headquarters

HQ city

Sudbury

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Insurance Commissions: As an insurance agency, One Call Insurance generates revenue through commissions earned on insurance policies sold to customers. They access any insurance product to match customers with the right coverage.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

One Call Insurance Agency is an independent insurance brokerage that analyzes customer insurance needs and connects individuals and business owners with coverage across multiple product lines including Life, Home, Auto, Fire, Flood, Business, and Health & Dental Insurance. The agency also offers stand-alone jewelry and fine art coverage plans and provides free personalized needs assessments to match customers with the right policy at the right price.

Product overview

One Call Insurance Agency is an insurance brokerage that operates as a single-channel service offering. The agency provides access to multiple insurance products including Life, Home, Auto, Fire, Flood, Business, and Health & Dental Insurance. The company also offers stand-alone jewelry/fine art coverage plans as an add-on option. Their service model focuses on analyzing customer insurance needs and providing personalized coverage assessments to help protect assets.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance Life insurance coverage designed to help protect families and prepare for unforeseen events. Offered to individuals seeking to safeguard their dependents' financial future.
• Home Insurance Coverage for residential properties, including protection for valuables, with policy review recommendations to ensure adequate coverage.
• Auto Insurance Automobile insurance coverage for vehicle protection, placed through the agency based on individual driver needs.
• Fire Insurance Insurance coverage for fire-related damages to residential or commercial properties.
• Flood Insurance Coverage for flood-related damages to residential or commercial properties.
• Business Insurance Business insurance coverage tailored for business owners' needs, including personalized assessments to address operational risk and protect business assets.
• Health & Dental Insurance Health and dental insurance coverage available for purchase through the agency to meet personal healthcare protection needs.
• Jewelry/Fine Art Coverage Stand-alone coverage plans for jewelry and fine art, available without requiring a new home appraisal during renewal or coverage changes.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• HUB International: Large North American insurance brokerage aggregator that acquires and rolls up independent agencies; comparable as a scaled version of the independent brokerage model and a likely acquirer of small agencies like One Call.
• Erie Insurance: Regional P&C carrier with a captive-agent distribution model focused on personal and small-commercial lines; overlaps with One Call's core product set (auto, home, life, business) and competes for the same consumer.
• The Cincinnati Insurance Companies: Mid-market personal and commercial lines carrier distributed through independent agents; comparable to One Call as a carrier-side counterpart to the independent brokerage model, particularly on small-commercial business.
• State Farm: Largest US personal-lines insurer with a captive-agent distribution model; competes head-to-head with One Call Insurance Agency across auto, home, and life in Massachusetts and beyond.
• Brown & Brown: National insurance brokerage built largely through serial acquisition of independent agencies; shares the carrier-agnostic independent-brokerage model and is a natural strategic acquirer of small MA agencies.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a major independent-agency acquisition strategy; operates in the same brokerage category as One Call Insurance Agency at vastly greater scale.

Regional players

• Arbella Insurance Group: Massachusetts-based regional P&C carrier that distributes through a network of independent agents in New England; highly comparable because it shares One Call's home MA market and uses the same independent-agent distribution channel.
• Plymouth Rock Assurance: Northeast-focused personal lines carrier working through independent agents in MA and adjacent states; competes in the same Massachusetts personal-lines market and through the same agent channel as One Call Insurance Agency.

Direct peers

• Goosehead Insurance: Publicly traded independent insurance agency franchise selling personal lines across multiple carriers through a relationship-driven model; same independent brokerage DNA as One Call Insurance Agency, but at much greater scale and with a franchise distribution model.
• Brightway Insurance: Independent insurance agency franchise offering home, auto, life, and small-business coverage through carrier-agnostic agents; shares One Call's multi-line independent brokerage model with consumer-facing sales motion.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

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 One Call Insurance Agency