Jmh Insurance Solutions, Inc.

What Jmh Insurance Solutions, Inc. does

JMH Insurance Solutions, Inc. is an independent insurance agency headquartered in Chino Hills, California, founded in 2011 by Mark Heaton. The agency serves families, individuals, and small-to-medium businesses across Riverside County and surrounding inland Southern California communities including Eastvale, Corona, and Chino. It operates as a multi-carrier shop, comparing rates across multiple insurance providers rather than being captive to any single carrier, and earns revenue through commissions on auto, home, life, earthquake, flood, umbrella, commercial, and specialty-vehicle policies (motorcycle, ATV, RV, boat, jet ski, snowmobile).

The business model is commission-based and recurring in nature: policies renew annually, and the agency cross-sells bundled lines and add-on coverages such as Valuables Plus and Better Roof Replacement (through Nationwide) and Identity Theft Protection. Distribution is sales-led and omnichannel, combining direct phone outreach, website quote-request forms, in-person consultations at the Chino Hills office, and referral-driven lead generation via Mark Heaton's status as a Dave Ramsey Endorsed Local Provider (Ramsey Trusted Pro). Marketing efforts also include an educational Insurance Solutions Blog and a realtor-targeted channel.

Technology is non-differentiated: the agency uses standard industry tooling and a GoDaddy-hosted website with a customer portal and a comparative rater. There is no proprietary platform, no AI/ML capability, no API, no mobile app, and no external funding — operations are bootstrapped and founder-owned. The team disclosed on the website is two people (founder Mark Heaton and agency manager Noelle Heaton), making JMH a small, relationship-driven, locally-embedded independent agency competing primarily on service quality and comparative quoting rather than technology.

Name

Jmh Insurance Solutions, Inc.

Legal name

JMH Insurance Solutions

Website

https://jmhinsurancesolutions.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

JMH Insurance Solutions is an independent, multi-carrier insurance agency founded in 2011, serving families, individuals, and small-to-medium businesses across Riverside County, California, with auto, home, life, earthquake, commercial, and specialty-vehicle policies via carrier commissions and Ramsey ELP referrals.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAMAB

Commercial Auto & Fleet Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

SECONDARYFSAJAMAE

General Liability Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

Keywords

• Independent insurance agency
• Auto insurance
• Home insurance
• Commercial insurance
• Life insurance

Headquarters

HQ city

Chino Hills

HQ country

United States

HQ region

North America

Offices1 record

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 Commissions: As an independent insurance agency, JMH Insurance Solutions earns commissions from insurance carriers when they sell and service insurance policies (auto, home, life, earthquake, commercial, etc.) to customers. They combine products from multiple insurance providers into custom packages.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

JMH Insurance Solutions is an independent insurance agency that shops rates across multiple highly-rated insurance carriers to deliver competitive quotes for personal and commercial lines. Its core offering combines auto, home, life, earthquake, umbrella, commercial, and specialty insurance products (motorcycle, RV, boat, jet ski, ATV, snowmobile) into custom packages for individuals, families, and small-to-medium businesses in Southern California. Service is delivered through direct phone, website, and in-person channels, supported by a Customer Portal and Comparative Insurance Quoter.

Product overview

JMH Insurance Solutions is an independent insurance agency that offers a comprehensive portfolio of insurance products across multiple categories. As an independent agency, they work with multiple reputable insurance carriers to shop rates and provide custom insurance packages. The product portfolio includes: Vehicle Insurance products (Auto, Commercial Auto, Motorcycle, Snowmobile, ATV, RV, Boat, Jet Ski); Property Insurance products (Home, Renters, Condo, Mobile Home, Landlord, Flood, Earthquake); and Life Insurance products (Term, Whole Life, Mortgage, Umbrella). Additional add-on coverages include Valuables Plus and Better Roof Replacement through Nationwide, plus Identity Theft Protection. The company also provides customer-facing services including a Customer Portal and Comparative Insurance Quoter. They operate as a Ramsey Trusted Pro, providing insurance services aligned with Dave Ramsey's financial guidance principles.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Insurance
• Commercial Auto Insurance
• Motorcycle Insurance
• Recreational Vehicle Insurance
• Home Insurance
• Renters Insurance
• Condo Insurance
• Mobile Home Insurance
• Landlord Insurance
• Flood Insurance
• Earthquake Insurance
• Term Life Insurance
• Whole Life Insurance
• Mortgage Insurance
• Umbrella Insurance
• Comparative Insurance Quoter

Named customers1 record

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

One partnership is on record.

• Dave Ramsey (ELPs Program)coreGTM or Marketing PartnerJMH Insurance Solutions, through owner Mark Heaton, participates in Dave Ramsey's Endorsed Local Provider (ELP) program. Dave Ramsey is a syndicated radio host and author known for financial management expertise. The ELP program connects Ramsey's audience with trusted insurance professionals who share his values of responsible financial planning. Mark Heaton pays a fee to participate in the program and must meet certain criteria and experience requirements to maintain his ELP status.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Brown & Brown: Large publicly traded insurance brokerage distributing commercial and personal lines across multiple carriers. Comparable in independent multi-carrier model but operates nationally with deep commercial and employee-benefits capabilities well beyond JMH's local personal-lines focus.
• Hub International: Large global insurance brokerage placing commercial and personal coverage across multiple carriers. Comparable in independent agency structure but materially larger, with commercial and specialty lines dominating the book of business.
• Acrisure: Tech-enabled insurance brokerage distributing across commercial and personal lines via multiple carriers. Comparable as a multi-carrier broker but operates at massive scale with proprietary technology investment well beyond JMH's traditional setup.
• GEICO: Large direct-to-consumer auto and home insurer bypassing independent agents. Comparable because it competes for the same auto and home customers JMH serves, but operates at massive national scale through digital and phone channels rather than local advisory relationships.

Direct peers

• Goosehead Insurance: Public independent insurance agency franchise that distributes personal lines (auto, home, life) through franchise producers working across multiple carriers. Most directly comparable to JMH's independent, multi-carrier distribution model, though at vastly larger scale.
• SelectQuote: Direct-to-consumer insurance distribution platform that shops rates across multiple carriers for life, auto, and home coverage. Comparable to JMH in the multi-carrier shopping model and in targeting value-conscious consumers, though operating through digital rather than agent-led channels.

Emerging players

• Lemonade: Direct-to-consumer digital insurer using AI-driven underwriting for renters, home, auto, pet, and life. Comparable because it targets the same value-conscious consumer demographic but bypasses agents entirely — a structural competitor to JMH's distribution model.
• EverQuote: Online insurance marketplace that connects consumers with local agents and carriers across auto, home, and life. Comparable to JMH as a consumer-facing insurance acquisition channel, but operates as a lead-generation platform rather than an agency of record.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/jmh-insurance-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Jmh Insurance Solutions, Inc.