ajr insurance group

What ajr insurance group does

AJR Insurance Group is an independent insurance brokerage founded in 2006 and headquartered in Boca Raton, Florida. The firm specializes in employer-sponsored life and health benefit plans, serving both small and large business owners across the United States through a consultative direct-sales and referral-driven go-to-market. As an independent brokerage rather than a captive agent, AJR places group benefit business with multiple national carriers on behalf of its clients.

The product suite is focused entirely on employee benefits and includes group health, dental, vision, life and accidental death & dismemberment, short-term disability, and long-term disability coverage. The firm does not disclose a proprietary technology platform, mobile application, self-service enrollment tooling, or AI-driven underwriting or quoting capability. Operations appear to rely on conventional broker workflows and carrier-provided administration systems; no patents, proprietary models, or technology investments were referenced in the source material.

Revenue is generated through standard broker commissions paid by carriers on placed policies, with no disclosed fee-for-service, consulting, or technology line items. The firm is privately held and founder-owned, led by President Andrew J. Raudenbush, with a small staff that includes a Client Service Manager. AJR has operated continuously for over 17 years with no disclosed funding rounds, acquisitions, partnerships, product launches, or leadership transitions beyond the documented hiring of a client service manager in 2015.

Name

ajr insurance group

Legal name

AJR INSURANCE GROUP, INC.

Website

https://ajrinsurancegroup.com

Company type

Private

Founded year

2006

Operating status

Operating

Short description

AJR Insurance Group is an independent brokerage founded in 2006 in Boca Raton, Florida, providing employer life and health benefit plans (health, dental, vision, life/AD&D, STD, LTD) to small and large U.S. businesses through multi-carrier broker commissions.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industries

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH), Group AD&D Insurance (Employer-Sponsored) (FSAIALAA)

Keywords

• Employee benefits brokerage
• Group health insurance
• Commercial insurance agency
• Disability insurance coverage
• Employer benefits packages

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: AJR Insurance Group operates as an independent insurance agency earning commissions from multiple national insurance carriers. The company represents many different insurance carriers and earns revenue through broker commissions on policies sold to business clients for employee benefits including Health, Dental, Vision, Life, Short Term Disability, and Long Term Disability coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

AJR Insurance Group is an independent insurance brokerage that helps small and large business owners design, implement, and manage employer-sponsored employee benefit plans. The agency represents multiple national insurance carriers, providing comparative quotes across Health, Dental, Vision, Life/AD&D, Short Term Disability, and Long Term Disability coverage. In addition to carrier placement, AJR delivers full back-office administration including new enrollments, terminations with COBRA/Florida Continuation notifications, billing reconciliation, claim resolution advocacy, and annual renewal analysis.

Product overview

AJR Insurance Group is an independent insurance agency offering a portfolio of employee benefits products centered around Life and Health Insurance. The core product suite consists of six standalone insurance products: Health Insurance, Dental Insurance, Vision Insurance, Life Insurance (including voluntary, supplemental, AD&D, and dependent life), Short Term Disability, and Long Term Disability. As an independent broker representing multiple national insurance carriers, the agency bundles these products into comprehensive benefits packages for employers. The agency provides administrative services including enrollments, terminations, billing reconciliation, claim resolution, and annual renewal analysis.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Group health insurance benefits for employers, offering coverage options with competitive pricing and access to multiple national insurance carriers through AJR's independent brokerage.
• Dental Insurance Dental coverage offered as employer-sponsored or voluntary benefit (paid 100% by employee through payroll deductions), with free comparative quotes from multiple carriers.
• Vision Insurance Group vision plan providing coverage for eye exams and/or frames, lenses, and contact lenses, offered as a low-cost separate plan with comparative quotes from multiple carriers.
• Life Insurance Employee life coverage including voluntary life, supplemental life, accidental death and dismemberment (AD&D), and dependent life insurance options, integrated into employer benefits packages.
• Short Term Disability Insurance Coverage designed to replace a portion of wages lost when a short-term disability occurs due to accident or illness, with affordable and flexible plan options for employers and employees.
• Long Term Disability Insurance Protection for employees unable to work for extended periods due to accident or illness, covering expenses during income interruption, available with low-cost, tax-deductible premiums.

Quantifiable outcome

• Multiple testimonials praising excellent customer service, professional knowledge, and responsive support

Named customers3 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

Scale indicators1 record

Recent moves3 records

Expansion highlights2 records

Direct peers

• Hub International: Major North American insurance brokerage offering employee benefits, commercial, and personal lines through independent agency acquisitions; comparable in business model to AJR as a multi-carrier broker serving mid-market employers.
• NFP (now part of Aon): Mid-market-focused insurance brokerage and advisory firm offering group benefits, property/casualty, and wealth services — closely matching AJR's employer benefits brokerage focus prior to its Aon acquisition.
• USI Insurance Services: Large U.S. insurance brokerage and benefits consulting firm serving mid-market clients with multi-carrier group benefits — overlapping with AJR on the employee benefits brokerage proposition and target segment.
• OneDigital: Large U.S. employee benefits brokerage and HR consulting firm that serves small and mid-market employers with health, dental, vision, life, and disability coverage through an independent multi-carrier model — directly comparable to AJR's positioning and product set.
• Alliant Insurance Services: Specialty insurance brokerage firm offering employee benefits, commercial, and surety solutions to mid-market and niche clients; a direct comparator to AJR's independent brokerage model.
• CBIZ Benefits & Insurance Services: National benefits brokerage and consulting firm providing group health, voluntary, and retirement plans to small and mid-market employers — directly comparable to AJR on product mix and customer segment.

Regional players

• Frank H. Furman Insurance / BKS Partners: Regional Florida-based insurance brokerage with strong group benefits practice; comparable in scale and regional concentration to AJR, illustrating the type of local competitor AJR faces in South Florida.

Broad incumbents

• Marsh McLennan (Marsh & Mercer): Global professional services firm with large employee benefits brokerage and consulting practices (Marsh, Mercer); a broad incumbent whose benefits brokerage competes for the same mid-market and enterprise clients AJR serves.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm offering employee benefits consulting and brokerage at scale; overlapping with AJR's core service line but operating across a vastly larger client base and geography.
• Brown & Brown, Inc. Diversified U.S. insurance brokerage with a strong employee benefits division serving mid-market and large employers; a broader incumbent competing for the same employer benefits wallet as AJR.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

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 ajr insurance group