America Insurance

What America Insurance does

America Insurance is a privately held independent insurance agency founded in 2010 by Octavio Mejia and headquartered in St. George, Utah, with a second office in Cedar City. The firm operates as a traditional intermediary rather than a technology company, employing approximately 8 staff — including licensed agents, customer service representatives, and a marketing lead — and serving individual consumers, families, and small-to-medium businesses across Utah, Nevada, and Arizona. Its core products span four categories: Personal Insurance (auto, homeowners, renters, motorcycle, boat, RV, and specialty lines), Business Insurance (BOP, commercial auto, workers' compensation, general liability, and 15+ industry-specific coverages), Life Insurance (term, whole, universal, annuities, final expense, mortgage protection), and Health Insurance (individual/family, dental, vision, disability). A defining feature is bilingual English/Spanish service delivery targeting the Southern Utah Hispanic community, with the founder family (Mejia) playing visible operational roles.

The business model is commission-based: America Insurance represents six carrier partners — Travelers, Nationwide, Progressive, Gainsco, Dairyland, and Falcon Insurance Group — and earns recurring commissions on policies placed and renewed through its multi-carrier comparative quoting process. Revenue mechanics are therefore tied to policy volume and renewal retention rather than subscription SaaS or transactional fees. Go-to-market is sales-led via licensed agents across two physical offices plus website-driven quote requests, supported by a refer-a-friend program and a content-marketing blog (109+ educational articles). No proprietary technology, public API, or AI capabilities are disclosed; the firm relies on standard industry tools for quoting, policy administration, and customer service. There is no external institutional investment, no funding history, and no disclosed M&A activity — the firm operates as a family-owned regional agency.

Name

America Insurance

Legal name

America Insurance

Website

https://americainsurancestg.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

America Insurance is a privately held, family-owned independent insurance agency in Southern Utah that places personal, commercial, life, and health policies with six carrier partners for consumers and SMBs across Utah, Nevada, and Arizona, with bilingual English/Spanish service.

Ownership category

akta.pro rank

Headquarters

HQ city

Cedar City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, America Insurance earns commissions from insurance carriers (Travelers, Nationwide, Progressive, Gainsco, Dairyland, Falcon) for policies placed and renewed. Revenue is commission-based, recurring with each policy renewal cycle.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

America Insurance is an independent insurance agency that acts as an intermediary between customers and multiple insurance carriers, providing comparative quotes and policy placement for personal insurance (auto, homeowners, renters, specialty vehicles), business insurance (BOP, commercial auto, commercial property, general liability, workers' comp), life insurance (term, universal, whole, annuities, final expense), and health insurance (individual/family, dental, vision, disability). The agency earns commissions from carriers (Travelers, Nationwide, Progressive, Gainsco, Dairyland, Falcon) and serves clients across Utah, Nevada, and Arizona from two physical offices in St. George and Cedar City.

Product overview

America Insurance is an independent insurance agency that serves as an intermediary between customers and insurance carriers, providing comparative quotes from multiple providers. The company offers a comprehensive portfolio organized into four main product categories: Personal Insurance (auto, home, renters, motorcycles, boats, ATVs, RVs, and specialty coverage), Business Insurance (commercial property, liability, workers' comp, and industry-specific coverage), Life Insurance (term, universal, whole life, annuities, and final expense), and Health Insurance (individual/family, dental, vision, and disability). As an independent agency, America Insurance represents multiple carrier partners including Travelers, Nationwide, Progressive, Gainsco, Dairyland, and Falcon Insurance Group, allowing them to shop multiple carriers to find optimal coverage combinations for their clients. The company primarily serves the St. George, Cedar City, and broader Utah, Nevada, and Arizona regions.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance coverage required by law, providing protection against financial loss from accidents, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Includes same-day SR-22 filings and instant ID cards.
• Renters Insurance Coverage protecting renters' personal belongings, liability, and temporary housing costs against losses from theft, fire, storm damage, and other unexpected events.
• Homeowners Insurance Insurance protecting the home structure, personal possessions, and liability for homeowners against risks including fire, theft, natural disasters, and personal injury claims.
• Motorcycle Insurance Specialized coverage for motorcycles including protection against property damage, collision, bodily injury, and uninsured/underinsured motorists.
• Boat & Marine Insurance Coverage for watercraft including speed boats, jet skis, yachts, and sailboats with options for Agreed Hull Value, Actual Cash Value, and liability protection.
• ATV Insurance Insurance for all-terrain vehicles covering comprehensive, collision, bodily injury, liability, and uninsured/underinsured motorist protection.
• Earthquake Insurance Separate policy coverage for earthquake damage not included in standard homeowners insurance, protecting against seismic-related losses.
• Mobile (Manufactured) Home Insurance Specialized coverage for manufactured homes protecting against fire, storm damage, theft, vandalism, and providing liability protection.
• Motor Home / RV Insurance Coverage for recreational vehicles combining auto and homeowners insurance elements, including medical payments, bodily injury, collision, comprehensive, towing, and rental costs.
• Personal Umbrella Insurance Extra liability coverage above and beyond auto, home, boat, and other insurance policies, protecting personal assets against costly lawsuits.
• Personal Watercraft Insurance Coverage for WaveRunners, Jet Skis, and Sea-Doos protecting against accidents, liability, vandalism, theft, and towing costs.
• Pet Insurance Coverage for veterinary expenses including accidents, illnesses, hereditary conditions, chronic conditions, and cancers for cats and dogs.
• Rental Property Insurance Landlord insurance protecting rental properties against fire, lightning, vandalism, hail, storm damage, and loss of rental income.
• Snowmobile Insurance Coverage for snowmobiles including bodily injury, property damage, collision, comprehensive, and uninsured/underinsured motorist protection.
• Travel Insurance Protection for travelers including trip cancellation, emergency medical care, medical transportation, trip delay, baggage replacement, and rental car coverage.
• Valuable Items Insurance Scheduled property coverage for jewelry, art, collectibles, and other high-value items not adequately covered under standard homeowners policies.
• Condominium Insurance Coverage for condominium owners protecting the interior of the unit, personal property, and liability against injury claims.
• Business Owners Package (BOP) Insurance Bundled policy combining property and general liability coverage designed for small and medium-sized businesses.
• Commercial Auto Insurance Coverage for business vehicles and fleets protecting against financial loss from employee-at-fault claims, including liability, medical costs, comprehensive, and collision coverage.
• Commercial Property Insurance Protection for business facilities, equipment, inventory, fixtures, and signage against losses from storms, fire, natural disasters, theft, and vandalism.
• General Liability Insurance Coverage protecting businesses from claims of bodily injury, property damage, damage to rented premises, medical payments, advertising errors, and harm to reputation.
• Workers' Compensation Insurance State-mandated coverage providing medical treatment and partial wage reimbursement for workers injured on the job, protecting employers against civil lawsuits.
• Builders' Risk Insurance Coverage protecting construction materials, fixtures, and equipment on job sites against losses from weather, fire, theft, vandals, and lightning.
• Business Interruption Insurance Coverage compensating businesses for lost revenue and operating expenses during periods when operations are halted due to covered disasters.
• Cargo Insurance Protection for goods in transit against damage, loss, and theft, with options including all risk cargo, warehouse-to-warehouse, and contingency coverage.
• Commercial Trucking Insurance Customized coverage for commercial trucks including tractors, pickups, tow trucks, box trucks, dump trucks, and vans with cargo, liability, and rental options.
• Commercial Umbrella Insurance Extra liability coverage typically providing $1 million to $5 million in protection above existing business liability policies.
• Contractor's General Liability Insurance General liability coverage specifically designed for contractors, protecting business assets and providing coverage without requiring a full Business Owners Package.
• Employment Practices Liability Insurance (EPLI) Coverage protecting employers against employee claims for discrimination, harassment, wrongful termination, and other employment-related issues.
• Farm / Agribusiness Insurance Customized coverage for farms and agricultural businesses protecting against weather-related losses, machinery malfunction, and operational risks.
• Garage Insurance Coverage for auto trade businesses including general liability, business owner's policy, workers' compensation, garagekeepers legal liability, and business interruption.
• Hotel & Motel Hospitality Insurance Package coverage for hospitality businesses including business property, liability, crime, and guest property protection against slip-and-fall accidents, fire, and security failures.
• Individual Life Insurance Life insurance policies including Term Life (temporary coverage for 5-30 years), Universal Life (flexible premiums with savings element), and Whole Life (permanent coverage with cash value).
• Fixed Annuities CD-type retirement investment issued by insurance companies offering tax-deferred growth, market downturn protection, and flexible income options.
• Final Expense Insurance Insurance designed to cover end-of-life costs including funeral expenses averaging over $8,000, burial costs, and accumulated debts.
• Mortgage Protection Insurance Coverage paying off or continuing mortgage payments if the policyholder dies or becomes disabled before the mortgage is paid off.
• Individual & Family Health Insurance Health coverage for individuals and families without employer-provided insurance, including extensive coverage and high-deductible catastrophic plans.
• Individual Dental Insurance Dental coverage options including HMO, PPO, and indemnity plans with network discounts, preventative care, and enhanced benefits for medical conditions.
• Individual Vision Insurance Vision coverage reducing costs for eye exams, glasses, contacts, and offering discounts on LASIK surgery through network providers.
• Individual Disability Insurance Income protection coverage starting benefits after 1-6 months of disability, paying benefits for several years or until retirement age.

Named customers5 records

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

Six partnerships are on record, tiered core and minor.

• The Travelers Indemnity CompanycoreChannel Partner/ Reseller/ DistributorNational insurance carrier providing personal and commercial insurance products. America Insurance offers Travelers products as part of their comparative quote service.
• Nationwide InsurancecoreChannel Partner/ Reseller/ DistributorNational insurance carrier offering auto, home, and business coverage. America Insurance is a local agency representing Nationwide products.
• The Progressive CorporationcoreChannel Partner/ Reseller/ DistributorMajor auto and property insurance carrier. America Insurance offers Progressive policies as part of their carrier network.
• Gainsco Auto InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty auto insurance carrier. America Insurance represents Gainsco for auto coverage options.
• DairylandcoreChannel Partner/ Reseller/ DistributorAuto insurance carrier offering SR-22 filings and flexible coverage. America Insurance is a local Dairyland agency with same-day SR-22 capabilities.
• Falcon Insurance GroupminorChannel Partner/ Reseller/ DistributorRegional insurance carrier. America Insurance offers Falcon Insurance Group products as part of their carrier network.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Brightway Insurance: Franchise-based independent insurance agency placing personal and commercial lines across multiple carriers. Closely comparable to America Insurance on the multi-carrier agency model and SMB/consumer target market.
• Senior Market Sales: Independent insurance distribution platform partnering with carriers to deliver life and health products through independent agents. Comparable as an independent agency model with similar carrier-intermediary economics.
• Goosehead Insurance: Independent insurance agency franchise that places personal and commercial lines through multiple carriers, mirroring America Insurance's core model of shopping carriers on the client's behalf. Highly comparable on distribution model though operating at vastly greater scale.

Broad incumbents

• Brown & Brown: Large national insurance brokerage placing personal and commercial coverage through carrier partners. Comparable as a multi-carrier broker serving SMB and consumer markets, but operating at significantly greater scale and geographic breadth.
• Acrisure: Global insurance brokerage that places coverage across multiple carriers and lines. Comparable as a large multi-line, multi-carrier intermediary, though operating at vastly greater scale than America Insurance.
• Integrity Marketing Group: Large independent insurance distribution platform that acquires and partners with independent agencies. Compares as the consolidator-tier incumbent above America Insurance in the same agency-channel value chain.
• The Hilb Group: Regional insurance brokerage with personal, commercial, and benefits lines distributed via multi-carrier arrangements. Comparable as a multi-line independent agency model serving SMBs in regional US markets.

Emerging players

• EverQuote: Online insurance marketplace that connects consumers with carriers and agents, including in personal and commercial lines. Comparable as a competing consumer-acquisition channel that funnels prospects around traditional local agencies.
• SelectQuote: Direct-to-consumer insurance distributor focused on life and senior-market products. Comparable because it competes for the same end consumer through a contrasting (digital/phone) channel rather than local-agent intermediation.
• Lemonade: Digital-first insurance carrier selling directly to consumers via mobile app. Comparable as a competitor for the same personal-lines customer through a non-agent channel, illustrating the disintermediation risk America Insurance faces.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/nationwidestgeorge
• LinkedInlinkedin.com/company/america-ins

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 America Insurance