collective insurance solutions

What collective insurance solutions does

Collective Insurance Solutions LLC is an independent insurance brokerage headquartered at 77-711 Flora Road, Suite 325, Palm Desert, California, licensed to operate across California, Oregon, and Washington (CA License #0E80381, OR License #8482968, WA License #877431). The agency operates as an intermediary representing more than 50 insurance carriers — including Progressive, Travelers, Chubb, Aetna, Berkshire Hathaway Homestate Companies, Blue Shield, Humana, and Foremost — selling personal lines (auto, home, renters, condo, manufactured home, life & health, Medicare, classic car), specialty lines (vacation rental, earthquake, flood, landlord, recreational, motorcycle, RV, motor home, international travel), and commercial lines (commercial auto, commercial property, general liability, workers compensation, business owners policy).

The agency's technology backbone is the EZLynx agency management platform, which powers online quoting for auto and home insurance and supports the broader workflow for the agency's 1–10 employees. Distribution is multi-channel: digital self-service quoting for commoditized personal lines, agent-assisted sales via phone, text, email, and in-person consultation for complex products, plus content marketing through the company's website blog and Facebook/LinkedIn presence.

Revenue is generated exclusively through carrier commissions on policies sold and renewed. The agency serves a diverse customer base spanning homeowners, drivers, vacation rental property owners, small-to-mid-sized businesses, Medicare beneficiaries, renters, and landlords, with a particular concentration in the Coachella Valley. Pricing is quote-based and varies by individual risk profile and carrier selection; no standardized pricing tiers are publicly disclosed. Connie Sandoval is the named insurance agent associated with the agency.

Name

collective insurance solutions

Legal name

Collective Insurance Solutions LLC

Website

https://collectiveinsurancesolutions.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Collective Insurance Solutions is an independent insurance brokerage in Palm Desert, California, representing 50+ carriers to provide personal, commercial, life, health, and Medicare insurance products to consumers and small businesses across California, Oregon, and Washington.

Ownership category

akta.pro rank

Headquarters

HQ city

Palm Desert

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

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, Collective Insurance Solutions LLC earns revenue through commissions paid by insurance carriers for policies sold and renewed. The agency represents multiple insurance carriers including Adventure Mexico, Aegis, Aetna, American Modern, Amtrust, Anthem Blue Cross, Arrowhead, Bamboo, Berkshire Hathaway Homestate Companies, Blue Shield, BTIS, California Fair Plan, Chubb, CNA, Delta Dental, Foremost, Geovera, Guard, Hagerty, Health Net, Heritage, Hiscox, Humana, Jewelers Mutual, John Hancock, Kemper Auto, Liberty Mutual, Minnesota Life, Molina, National General, NEXT, Pacific Specialty, Personal Umbrella, Progressive, Propeller, Proper Insurance, Prudential, Steadily, Stillwater, Symetra, The Hartford, Tokio Marine, Transamerica, Travelers, UnitedHealthcare, USLI, VSP, Wellcare, and Wright Flood.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Collective Insurance Solutions is an independent insurance brokerage that sells personal, commercial, specialty, life, health, and Medicare insurance policies on behalf of more than 50 insurance carriers. The agency provides online quoting for auto and home insurance and agent-assisted sales for commercial, Medicare, vacation rental, and specialty coverages across California, Oregon, and Washington.

Product overview

Collective Insurance Solutions is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency operates as a broker representing multiple insurance carriers, providing customers access to diverse coverage options and competitive rates. Their product lineup includes personal insurance lines (auto, home, renters, condo, manufactured home, life & health, Medicare, and classic car insurance), specialty coverage (vacation rental, earthquake, flood, international travel, landlord, recreational, motorcycle, motor home, and RV insurance), and commercial insurance products (commercial auto, commercial property, general liability, workers compensation, and business owners policies). The agency offers online quoting for auto and home insurance while providing personalized service for all other products through their Palm Desert, California office. They are licensed to serve customers in California, Oregon, and Washington.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for vehicles including liability, collision, and comprehensive plans to protect against vehicle damage, theft, medical expenses, and other road-related risks. Sold through online quoting and agent-assisted channels for drivers in California, Oregon, and Washington.
• Home Insurance Protection for houses and personal belongings against unexpected disasters such as fire, storms, or theft, with additional living expenses coverage. Offered to homeowners across California, Oregon, and Washington.
• Vacation Rental Insurance Specialized coverage for vacation rental properties protecting against property damage, liability, and unforeseen events, designed to help owners comply with local short-term rental regulations in the Coachella Valley.
• Commercial Insurance Comprehensive business coverage including property insurance, liability insurance, workers compensation, contractors insurance, commercial auto, and bundled business owners policies for small to mid-sized businesses.
• Commercial Auto Insurance Coverage for business vehicles including liability, physical damage, medical payments, and uninsured motorist protection for vehicles used in business operations.
• Commercial Property Insurance Protection for business buildings, equipment, and inventory against covered events such as fire, theft, and storms, including business interruption coverage.
• General Liability Insurance Coverage for third-party bodily injury, property damage, and personal/advertising injury claims, including legal defense costs, for businesses.
• Workers Compensation Mandatory coverage for workplace injuries including medical treatment, disability payments, job displacement support, and death benefits as required by California Labor Code.
• Business Owners Policy Bundled coverage combining general liability, commercial property, and business income coverage in a single policy designed for small to mid-sized businesses.
• Classic Car Insurance Specialized coverage for classic and antique vehicles protecting their true value against fire, theft, collisions, and other damages.
• Condo Insurance Coverage for condominium owners protecting against interior damage, personal liability, stolen possessions, and temporary housing expenses during repairs.
• Earthquake Insurance Coverage for seismic event damage including costs for repairing or rebuilding homes, personal property replacement, and temporary living expenses.
• Flood Insurance Protection against flood damage covering building structure, electrical systems, appliances, carpeting, and personal belongings.
• International Travel Insurance Coverage for travel-related emergencies including medical emergencies, trip cancellations, and lost baggage for international travelers.
• Landlord Insurance Protection for rental property owners covering property damage, liability for tenant/visitor injuries, and loss of rental income.
• Life & Health Insurance Life insurance policies providing financial support for beneficiaries, and health insurance covering hospitalization, medications, and regular check-ups.
• Medicare Insurance Medicare Part A (hospital insurance), Part B (medical insurance), and supplemental Medigap coverage guidance during open enrollment periods.
• Motorcycle Insurance Coverage for motorcycles including liability and physical damage protection tailored to individual needs and budget.
• Motor Home Insurance Coverage for motor homes protecting as both vehicle and living space, including physical damage, personal liability, and personal belongings.
• Recreational Insurance Protection for recreational activities and vehicles including ATVs, RVs, boats, jet skis, and golf carts with liability and physical damage coverage.
• Renters Insurance Coverage for renters protecting personal belongings against theft, fire, and water damage, with personal liability and additional living expense coverage.
• RV Insurance Comprehensive protection for recreational vehicles covering physical damage, personal possessions, liability, breakdowns, and emergencies on the road.
• Manufactured Home Insurance Coverage for manufactured homes protecting dwelling, personal belongings, liability, and additional living expenses, with options for attached structures and carports.

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Others

• Smart Choice® (Smart Choice Agents Alliance): National alliance that aggregates independent insurance agencies to give them access to multiple carriers, training, and back-office tools. Comparable because its member agencies — including Collective Insurance Solutions — operate the same independent multi-carrier model the alliance supports.

Broad incumbents

• State Farm: Largest US personal lines carrier with a captive agent model selling auto, home, life, and small commercial coverage through local offices. Comparable to Collective Insurance Solutions because it sells many of the same product lines via local-agent distribution, though as a single carrier rather than an independent broker.
• Progressive: Top-tier US auto insurer that distributes both direct-to-consumer and through independent agents — and is itself one of Collective Insurance Solutions' carrier partners. Comparable because it competes for the same auto/home customer and represents both a partner and competitive threat to the agency.
• Allstate: Major US personal lines insurer with a captive agent network and a growing direct channel. Comparable because it offers auto, home, and small commercial products through local agent relationships in the same California/OR/WA geographies.
• GEICO: Largest direct-to-consumer auto insurer in the US and a Berkshire Hathaway subsidiary. Comparable because it competes head-on for the same auto and home customers Collective Insurance Solutions serves, but through a no-agent digital model.
• Farmers Insurance: Established US personal and small commercial carrier with a captive agent model heavily concentrated in California. Directly comparable product set (auto, home, umbrella, small commercial) and overlapping California geography make it a strong adjacent incumbent.
• Arthur J. Gallagher & Co. One of the largest global insurance brokerages placing commercial and personal coverage through carrier relationships. Comparable as a multi-carrier brokerage model, though operating at vastly larger scale and focused primarily on commercial lines.
• Brown & Brown, Inc. Large US insurance brokerage distributing personal and commercial coverage through a network of retail offices. Comparable as a multi-line, multi-carrier brokerage with regional office structures analogous to Collective Insurance Solutions' Palm Desert footprint.

Emerging players

• Lemonade: Tech-enabled direct-to-consumer insurance carrier targeting homeowners and renters with an AI-driven mobile app. Comparable because it directly competes for the same renters, condo, and home customers in California, but without an agent in the loop.
• Policygenius: Online insurance marketplace and brokerage platform that helps consumers compare life, home, auto, and disability policies. Comparable to Collective Insurance Solutions because it operates as a multi-carrier brokerage — albeit with a fully digital, national model rather than a local-agent one.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Collectiveinsurancesolutions
• LinkedInlinkedin.com/company/collective-insurance-solutions

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 collective insurance solutions