McNeil & Company

What McNeil & Company does

McNeil & Company is a privately-held, US-domiciled specialty insurance and risk management firm headquartered at 67 Main Street, Cortland, New York. Founded in 1994 (with program history extending back 30+ years), the company designs and administers thirteen distinct insurance programs serving niche industries that are underserved by standard commercial carriers, including volunteer fire and EMS organizations (ESIP, Benefits, Penflex LOSAP), private ambulance services (ASIP), animal welfare organizations (AnimalKeepers), outdoor recreation and hospitality operators (AdvenSure), environmental and restoration contractors (BISA), fire protection businesses (FireWatch), home medical equipment dealers (HOMed), wildland firefighting contractors (WildPRO), gig economy and independent contractors (WGA – Wilson Gregory), contract surety bonds (Surety), and New York State cannabis workers' compensation (Cannabis).

The company's technology stack is a specialized insurance program administration platform augmented by a free E-Learning and online training/tracking system provided to policyholders for risk management, alongside a dedicated Agent Area portal for independent insurance agents. Programs are underwritten and serviced by in-house teams staffed by professionals with direct industry experience, and the company provides in-house claims handling and dedicated underwriting teams as a core part of its offering.

McNeil & Company earns revenue primarily through subscription-style recurring insurance premiums across its specialty programs, supplemented by administration fees for LOSAP and benefits packages (Penflex) for volunteer fire and EMS organizations. Distribution is hybrid: a network of independent insurance agents and brokers accesses quote and client management tools through the Agent Area portal, while direct customer acquisition occurs via website quote requests and a dedicated contact center (800-822-3747). Pricing is quote-based and not publicly disclosed, varying by program, coverage type, industry classification, and risk profile, with annual billing cadence.

Name

McNeil & Company

Legal name

McNeil & Co.

Website

https://mcneilandcompany.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Short description

McNeil & Company is a privately-held US specialty insurance and risk management program administrator that designs and underwrites thirteen niche insurance programs (including ESIP, ASIP, AnimalKeepers, and AdvenSure) for underserved verticals such as volunteer emergency services, ambulance operators, animal welfare groups, and outdoor recreation businesses, distributed through independent agents and direct channels.

Ownership category

akta.pro rank

Product category

Specialty Commercial Insurance

NAICS

Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Insurance Carriers and Related Activities (524), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)

akta.pro secondary industries

Commercial Umbrella / Excess Liability (FSAJADAL), Product Liability & Recall (FSAJAGAG), Umbrella & Excess Liability (Fleet/Transportation) (TLABANAG), Co-Employment Risk Management & Insurance (Workers’ Comp, Liability) (BPACAGAH), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH), Employer’s Liability Umbrella / Excess (FSAJANAJ)

Keywords

• Specialty insurance programs
• Risk management services
• Workers compensation coverage
• Surety bond solutions
• Commercial insurance brokerage

Headquarters

HQ city

Cortland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of insurance premiums from policyholders across various specialized insurance programs for niche industries including emergency services, outdoor recreation, animal welfare, and healthcare sectors.
2. Benefits Program Administration: Administration fees for Length of Service Awards Programs (LOSAP) and benefits packages for volunteer fire and EMS organizations.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

McNeil & Co. underwrites and administers a portfolio of 13 specialized commercial insurance programs and benefits programs for niche industries underserved by standard carriers, including volunteer fire/EMS, private ambulance services, animal welfare, outdoor recreation, cannabis (NY), home medical equipment, environmental/restoration contractors, wildland firefighting, and surety bonds for contractors. Each program is developed and managed by professionals with direct industry experience, and policyholders receive bundled risk management services at no additional cost, including an E-Learning platform, online training/tracking, and webinars.

Product overview

McNeil & Co. is a specialized insurance and risk management company offering a portfolio of 13 distinct insurance programs, each designed for specific industries. The programs are led by professionals with direct industry experience. Core products include AdvenSure (outdoor recreation), AnimalKeepers (animal welfare), ASIP (ambulance services), Benefits (volunteer emergency services), BISA (environmental contractors), Cannabis (workers' comp for NY cannabis), ESIP (emergency services), FireWatch (fire protection), HOMed (home medical equipment), Penflex (LOSAP administration), Surety (contract bonds), WGA (gig economy), and WildPRO (wildland fire suppression). The company also provides risk management services including E-Learning and webinars.

Differentiator

Problem solved

Functional benefit

Brands

• AdvenSure: Specialized insurance for outdoor adventure, recreation and hospitality businesses including hunting clubs, fishing lodges, dude ranches, and campgrounds
• AnimalKeepers
• ASIP
• Benefits
• BISA
• Cannabis
• ESIP
• FireWatch
• HOMed
• Penflex
• Surety
• WGA – Wilson Gregory
• WildPRO

Products and services

• AdvenSure Specialized insurance program for outdoor recreation and hospitality businesses, including archery ranges, bed & breakfasts, dude ranches, fishing guides, hunting lodges, outfitters, RV parks, and campgrounds, with property, general liability, liquor liability, ocean marine, and cyber coverage.
• AnimalKeepers Specialized insurance for SPCAs, shelters, rescue groups, and humane societies, providing property, professional liability, animal bailee coverage, volunteer injury coverage, veterinary professional liability, and defense expenses for regulatory inquiries.
• ASIP (Ambulance Service Insurance Program) Specialized insurance for private ambulance and emergency transport businesses operating in 48 states, providing property, auto, professional and general liability, cyber coverage, with earthquake and flood protection included in base policies and no deductibles on professional and general liability.
• Benefits Benefits and financial support program for volunteer fire and EMS organizations providing death benefits, critical burn coverage, disability income, medical expense coverage, family expense reimbursement, and educational benefits for surviving families.
• BISA Insurance for asbestos, lead, mold abatement, fire/water restoration, and other specialized environmental and restoration contractors, including environmental liability, pollution coverage, and contractor's equipment coverage.
• Cannabis Safety group providing sustainable workers' compensation insurance for the New York State cannabis industry.
• ESIP (Emergency Services Insurance Program) Insurance for volunteer fire, rescue, and emergency service organizations nationwide, providing comprehensive coverage for volunteer emergency responders.
• FireWatch Insurance for fire protection businesses covering the sale and service of fire extinguishers, suppression systems, emergency apparatus, and alarm systems, with commercial property, general liability, and product liability coverage.
• HOMed Insurance for HME/DME retailers, dealers, distributors, and orthotics/prosthetics facilities, including product liability, property coverage, and business interruption.
• Penflex Administration, actuarial, and design services for LOSAP (Length of Service Award Programs) for fire and EMS volunteers.
• Surety Surety bonds for construction, supply and service, and tradesmen and artisan contractors, including contract bonds, commercial bonds, and supply bonds.
• WGA – Wilson Gregory Accident and surety insurance for delivery and other gig economy contractors.
• WildPRO Specialized insurance for wildland firefighting contractors, including engines, tenders, hand crews, and related services, with coverage for wildland fire operations and equipment.

Quantifiable outcome

• Free E-Learning and risk management training provided to all policyholders at no additional cost
• +2 more outcomes

Segments12 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Risk Placement Services (RPS): Wholesale insurance distributor focused on specialty and E&S lines, placing coverage through retail agents for niche and hard-to-place risks - mirrors McNeil's specialty insurance distribution through independent agents.
• Markel Corporation: Specialty insurer with extensive niche program business across unusual verticals; broader portfolio but overlapping appetite for specialty risks similar to McNeil's program verticals.
• Amwins Group: Largest US specialty insurance distributor and program manager; offers specialty E&S products and programs across many verticals, overlapping with McNeil's specialty insurance distribution model at greater scale.
• Burns & Wilcox: Specialty insurance wholesale broker and managing general agent distributing niche commercial and personal lines; comparable to McNeil's specialty distribution and program-administration approach.
• Berkshire Hathaway Specialty Insurance: Specialty P&C insurer offering commercial and program-style coverage across unusual verticals; significant competitive overlap with McNeil in niche commercial risks.
• Kinsale Capital Group: Specialty E&S insurance carrier focused on small-to-middle-market commercial excess and surplus lines, increasingly competing in specialty program verticals where McNeil operates.

Direct peers

• Brown & Riding: Specialty wholesale insurance broker and program administrator operating in niche and E&S markets; structurally similar to McNeil with a focus on underserved specialty lines distributed through agents.
• NSM Insurance Group: Program administrator and specialty insurance manager building industry-specific programs for niche verticals - directly comparable to McNeil's model of recruiting industry insiders to design and underwrite specialized coverage.
• Heffernan Insurance Brokers: Mid-market specialty insurance brokerage with niche industry practice groups - comparable to McNeil's vertical specialization model, though operating more on the brokerage side than program administration.
• Penn-America Group: Specialty/E&S commercial property and casualty insurer focused on small commercial niche markets - a comparable specialty carrier serving underserved small commercial risks via program-style distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/McNeilAndCo
• YouTubeyoutube.com/@McNeilAndCompany
• Facebookfacebook.com/McNeilAndCompany
• LinkedInlinkedin.com/company/mcneil-and-company

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&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about McNeil & Company