Who We Are
Insurance,
Made Personal.
PJRC Insurance Group was built around a simple idea: people deserve more from their insurance experience than a policy, a phone number, and a renewal notice.
We take the time to understand the person, family, or business in front of us, help make sense of the options, bring the right resources to the table, and stay involved long after a decision has been made.
Our business is ultimately about people—what they've built, who they love, what they're working toward, and what they want to protect.
Our Story
A relationship worth building around.
PJRC Insurance Group began in Kilgore, Texas, in 2019, but its approach took shape much earlier. Jonathan Ricker started as an account executive with HSBC. Banking brought him from New York to Dallas and, over the years, into leadership and business banking roles in Texas and Louisiana.
Working alongside insurance, investment, mortgage, audit, and other banking teams taught him how connected a client's financial decisions really are. He met people with very different incomes, goals, and starting points, and learned that good guidance begins by understanding the whole person.
Jonathan built PJRC around that lesson: listen carefully, explain the choices, bring the right resources to the table, and remain involved as life and business change.
The name PJRC stands for Patrick Jonathan Ricker Clark. It reflects Jonathan and Patrick at the heart of this family business and a belief that service should feel personal, thoughtful, and accountable.
Today, PJRC helps individuals, families, and businesses explore insurance solutions across Texas, Louisiana, Arkansas, Oklahoma, and New Mexico. Jonathan wants every client to feel heard and respected, and to see the high standards, local values, trust, and integrity behind the work. The conversation may begin with a policy question, but the relationship is about the people and plans behind it.
Meet the Founder
Jonathan M. Ricker
Jonathan began his banking career with HSBC in 2003 as an account executive. The work took him from New York to the Dallas area. Along the way, he earned recognition including Rookie of the Year and advanced through banking roles, including Assistant Vice President III in Frisco, Texas.
His career also took him to Louisiana, where he served as Team Captain for a group of 80 insurance agents. Later, as a Capital One Business Banker I, he supported multiple branches across Louisiana. His broader experience includes Wells Fargo, BBVA Compass, Beck & Associates, and Kemper Insurance.
Across those roles, Jonathan worked with colleagues in insurance, investments, mortgage lending, and audits. He learned to serve people from a wide range of financial backgrounds and to connect them with the right expertise without losing the personal relationship.
In 2019 he founded PJRC as an independent agency in Kilgore. The standard he carries forward is straightforward: hear the client, make complex choices understandable, and be there after the first decision.
Community Leadership
Showing up beyond the office.
Jonathan's commitment to service extends into the community. His past involvement has included Habitat for Humanity, food pantry and meal service, and teaching young people about business and money through Junior Achievement.
Building opportunity
Volunteering on Habitat for Humanity projects brought people together around the work of building homes.
Serving neighbors
Food pantry and community meal work offered a direct way to lend a hand when neighbors needed support.
Sharing knowledge
Through Junior Achievement, Jonathan helped students explore business finances and practical decision making.
Images illustrate the areas of Jonathan's past community involvement; they are not documentary photographs of specific events.
Where We're Going
Our vision
To redefine what people expect from insurance through trusted guidance, meaningful relationships, and an exceptional client experience.
We want every client to know there is a person who understands their priorities, can explain their options, and will still be there when life takes a turn. As PJRC grows, that standard of attention will guide how we choose partners, build our team, and serve every community we reach.
Our Approach
Our mission
To protect what matters most by providing thoughtful insurance solutions with integrity, personal attention, and genuine white-glove service.
We start by listening to what matters to you. Then we help make sense of the available choices, coordinate with carriers and partners when needed, and keep the conversation going as your family, work, and priorities evolve. Our standard is to care for clients with the attention we would want for family.
Discover the PJRC Difference
Boutique service. Personal attention.
For richer or poorer, every client deserves to feel heard, respected, and well cared for. We bring together independent guidance and a concierge approach so you have a real person to call, a clear path through your options, and support as your needs change.
We listen first.
You are heard and respected. We ask about the people, work, and plans behind the coverage before we discuss a solution.
We explain the choices.
We help you compare practical options and understand what a plan may and may not do.
We care like family.
Questions, changes, and new chapters deserve attention beyond the day you enroll or sign.