Ryan Insurance

What Ryan Insurance does

Ryan Insurance is a privately held, family-owned independent insurance brokerage founded in 1979 in Garland, Texas and now headquartered in Rowlett, Texas. The agency distributes personal lines (auto, homeowners, motorcycle, renters, boat, RV, umbrella) and commercial lines (general liability, commercial property, workers compensation, commercial auto, event insurance, and flood insurance) through licensed agents operating from a single office, supplemented by website-based quote questionnaires and inbound phone consultations. It does not underwrite policies itself; instead it earns commissions on premiums placed with third-party carriers, and extends its product set through referral arrangements with carriers and specialty platforms including Next Insurance, Thimble, Coterie Insurance, Neptune Insurance, and Protector Plan.

The business runs a sales-led, relationship-driven go-to-market model anchored in long-tenured customer relationships (one testimonial cites 45 continuous years of coverage) and local community involvement through the Rowlett Area Chamber of Commerce and civic organizations. The agency is second-generation-owned after Robbie Ryan purchased it from founders Bob and Johnnie Ryan in 2016; the team carries multiple professional designations including CIC, CISR, CRIS, ACSR, TIIA, and CAM. Geographic scope is concentrated in Texas, though the firm's sister agency ContracSur offers nationwide coverage targeted at contractors.

From a technology and operations standpoint, Ryan Insurance is a traditional brokerage with no proprietary technology platforms, no mobile app, and no AI or data products; its digital footprint is limited to a content-marketing website, email newsletter subscription, social pages, and online review profiles on Top Rated Local, Google, and Facebook. With a disclosed headcount of 1-10, no institutional investors, and no funding history, the firm operates as a small, organic, commission-funded micro-brokerage whose competitive position rests on local brand trust, multi-carrier access, and personal service rather than technology differentiation.

Name

Ryan Insurance

Legal name

Ryan Insurance Agency

Website

https://ryaninsurance.org

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

1–10 employees

Short description

Ryan Insurance is a family-owned independent insurance brokerage in Rowlett, Texas, distributing personal and commercial P&C products (auto, home, commercial, event, flood) to Texas individuals and small businesses via licensed agents and third-party carrier partnerships, earning commissions on placed premiums.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Personal insurance brokerage
• Commercial insurance brokerage
• Property and casualty insurance
• Auto insurance agency
• Independent insurance agency

Headquarters

HQ city

Rowlett

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 Brokerage Commissions: Ryan Insurance operates as an independent insurance agency/brokerage, earning revenue through commissions paid by insurance carriers for policies placed on behalf of clients. The agency offers both personal insurance products (auto, home, motorcycle, renters, boat, RV, umbrella) and commercial insurance products (general liability, property, workers compensation, commercial auto, event insurance, flood insurance). Revenue is generated through policy premiums placed with insurance carriers, with commissions representing a percentage of each policy's premium.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Ryan Insurance is an independent insurance brokerage that places personal and commercial insurance policies with multiple carrier partners on behalf of clients in Texas. The agency sells personal lines such as auto, homeowners, motorcycle, renters, boat, RV, and umbrella insurance, as well as commercial lines including general liability, property, workers compensation, commercial auto, event insurance, and flood insurance, earning commissions from carriers for each policy placed.

Product overview

Ryan Insurance is a traditional insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency provides personal lines including auto, homeowners, motorcycle, renters, boat, RV, and umbrella insurance, alongside commercial coverage options such as general liability, property, workers compensation, and commercial auto. The company also offers specialized event insurance and flood insurance. Founded in 1979, the agency serves the Texas market with a family-oriented, relationship-based approach, connecting clients with appropriate coverage from various insurance carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Insurance coverage for personal vehicles including liability, collision, comprehensive, and uninsured motorist protection for individual drivers and families.
• Homeowners Insurance
• Motorcycle Insurance
• Renter's Insurance
• Boat Insurance
• RV Insurance
• Umbrella Insurance
• Commercial General Liability
• Commercial Property Insurance
• Workers Compensation
• Commercial Auto Insurance
• Event Insurance
• Flood Insurance

Named customers5 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

Seven partnerships are on record, tiered core and minor.

• ContracSurcoreStrategic or Co-development PartnerContracSur is described as a sister company of Ryan Insurance, specifically designed to meet the insurance needs of contractors. While both are family-owned, ContracSur focuses exclusively on contractor-specific insurance products and represents the company's expansion into specialized vertical coverage. This partnership allows Ryan Insurance to offer comprehensive contractor insurance while maintaining its core personal and commercial insurance business.
• Neptune InsuranceminorChannel Partner/ Reseller/ DistributorNeptune Insurance is featured on Ryan Insurance's Get a Quote page as a partner for instant online flood insurance quotes. This appears to be a white-label or referral arrangement where Ryan Insurance directs customers to Neptune for specific insurance products they don't directly underwrite.
• ThimbleminorChannel Partner/ Reseller/ DistributorThimble is listed on Ryan Insurance's Get a Quote page for small business insurance, indicating a partnership or referral arrangement for small business insurance products. Ryan Insurance appears to offer Thimble's products alongside their own offerings.
• Coterie InsuranceminorChannel Partner/ Reseller/ DistributorCoterie Insurance is referenced on Ryan Insurance's website for small business insurance quotes. The partnership allows Ryan Insurance to offer small business insurance products through Coterie's platform, with quotes accessible via a broker link.
• Protector Plan (Event Insurance)minorChannel Partner/ Reseller/ DistributorProtector Plan is offered through Ryan Insurance for event insurance coverage. This partnership enables the agency to provide event insurance products to venue operators and event planners. Quotes are accessible through a broker portal on the Ryan Insurance website.
• Wedding Protector PlanminorChannel Partner/ Reseller/ DistributorWedding Protector Plan is offered for wedding insurance coverage through Ryan Insurance. This partnership allows the agency to provide specialized event insurance for wedding venues and planners.
• Next InsuranceminorChannel Partner/ Reseller/ DistributorNext Insurance is featured as a partner for small business and commercial insurance on Ryan Insurance's Get a Quote page. The partnership includes an agent affiliation link, indicating Ryan Insurance earns referral fees or commissions for customers directed to Next Insurance.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Next Insurance: Next Insurance is a digital small-business insurance carrier that Ryan Insurance already partners with for referrals. It competes for the same small commercial accounts (GL, commercial auto, workers comp) but delivers binding and service fully online, representing both a partner and disruptive threat to traditional Texas brokerages.
• Thimble: Thimble offers short-term and small-business insurance (event, general liability, vendor coverage) that can be purchased by the hour, day, or month online. Ryan Insurance lists Thimble as a referral partner for small business insurance, and it overlaps with Ryan's event insurance and contractor product lines via a digital-first model.
• Coterie Insurance: Coterie Insurance is an insurtech MGA providing small-business commercial policies via API-driven distribution. Ryan Insurance lists Coterie as a referral partner. Coterie competes for the same small commercial accounts but uses embedded digital underwriting rather than an agent-led model.

Direct peers

• The Plexus Groupe: The Plexus Groupe is a multi-line insurance brokerage and consulting firm that serves mid-market and small businesses with property/casualty, benefits, and risk management. It is comparable to Ryan Insurance as an independent brokerage placing commercial and personal coverage with multiple carriers, though it operates at a larger regional scale.
• Goosehead Insurance: Goosehead Insurance is a Texas-based independent personal-lines brokerage that distributes through franchised agents. It is highly comparable to Ryan Insurance in geography (Texas roots), product focus (home, auto, umbrella), and independent agency model, but operates a tech-enabled agent platform at vastly greater scale.
• Brown & Riding Insurance Services: Brown & Riding is an independent wholesale insurance brokerage placing specialty and standard commercial risks with multiple carriers. It is comparable to Ryan Insurance's commercial brokerage role but operates upstream as a wholesale partner, specializing in complex and niche commercial placements.
• Higginbotham: Higginbotham is a Texas-headquartered, multi-generation insurance brokerage offering personal, commercial, and employee benefits across multiple states. It is directly comparable to Ryan Insurance as an independent agency brokerage serving Texas businesses and families, with a similar carrier-representation model but at much larger scale.

Regional players

• Rich & Cartmill Insurance: Rich & Cartmill is a family-owned independent insurance agency offering personal and commercial lines primarily in the Plains and Mountain West states. It is comparable to Ryan Insurance as a multi-generational, independent Texas-style regional brokerage with a similar relationship-driven model, though serving different geographies.

Broad incumbents

• Insurance Office of America (IOA): IOA is a large independent insurance agency offering personal, commercial, and employee benefits across the U.S. It is comparable to Ryan Insurance in product breadth and independent brokerage model but serves a national footprint and much larger accounts than a single-office Texas shop.
• Hub International: Hub International is a large global insurance brokerage providing commercial, personal, and employee benefits solutions. It is comparable to Ryan Insurance as an independent brokerage placing multiple lines through multiple carriers, but at far greater scale and geographic breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/RyanIns
• LinkedInlinkedin.com/company/ryanins

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 Ryan Insurance