Bowen, Miclette & Britt Insurance Agency

What Bowen, Miclette & Britt Insurance Agency does

Bowen, Miclette & Britt Insurance Agency (BMB) is a Houston-based independent insurance agency founded in 1980 that provides commercial insurance, surety bonds, employee benefits, risk management, and personal insurance services to mid-market and enterprise clients. The firm operates across multiple specialty verticals, with construction and energy as primary segments, and additional depth in manufacturing, healthcare, marine, real estate, transportation, technology, law firms, public entities, and food and beverage. BMB is ranked among the Top 35 privately owned brokerages nationally and has placed on the Business Insurance Top 100 Brokers and Insurance Journal Top 100 Agency lists in 2025.

The agency's product portfolio spans 20+ service lines, delivered through licensed agents across eight offices in Texas, Arkansas, Louisiana, and Florida, with international risk placement capabilities for US-based multinationals. Underlying technology includes a 24/7 client portal, a BMBRisk in-house risk management division providing loss control, claims monitoring, and corporate legal consulting, and integrations with Vertafore (InsurLink), CSR24 for certificate management, LossFreeRx for risk management, and payroll systems (ADP, Paylocity, Workday). Revenue is generated through insurance brokerage commissions earned from carriers on placed business, supplemented by fees from surety bond placement, risk management consulting, and employee benefits services, with a quote-based pricing model and annual billing cadence. The firm reports a 95% client retention rate and is privately held under founder/CEO Ed Britt and COO Paul Cerone, with no external institutional or PE ownership indicated.

Name

Bowen, Miclette & Britt Insurance Agency

Legal name

Bowen, Miclette & Britt Insurance Agency, LLC

Website

https://bmbinc.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

101–250 employees

Short description

Bowen, Miclette & Britt Insurance Agency is a Houston-based independent commercial insurance brokerage serving mid-market and enterprise clients across construction, energy, manufacturing, healthcare, and other verticals with insurance, surety bonds, risk management, and employee benefits services.

Ownership category

akta.pro rank

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: BMB operates as an independent insurance agency earning commissions from insurance carriers for placing business. As an independent agency, they research the market on behalf of clients to find the lowest possible rates, earning revenue through commissions from insurance companies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Bowen, Miclette & Britt Insurance Agency (BMB) is an independent insurance brokerage placing commercial insurance, surety bonds, employee benefits, and personal lines on behalf of clients through relationships with major domestic and international carriers. The firm delivers industry-specific coverage programs across construction, energy, healthcare, manufacturing, marine, transportation, real estate, technology, food and beverage, public entities, environmental, and law firm verticals, supported by an in-house risk management division (BMBRisk) providing loss control, claims monitoring, and corporate legal consulting.

Product overview

Bowen, Miclette & Britt Insurance Agency (BMB) is an independent insurance agency offering a comprehensive portfolio of insurance and risk management products organized into commercial insurance lines, employee benefits, personal insurance, and specialized services. The core commercial insurance offerings span 12 industry-specific products covering Construction, Energy, Environmental Liability, Food & Beverage, Healthcare, Law Firms, Manufacturing, Marine, Public Entities, Real Estate, Small Business, Technology, and Transportation sectors. Employee Benefits includes core coverages (medical, dental, vision, life, disability, 401k), benefit solutions, technological resources, wellness programs, compliance services, and HR outsourcing. Personal Insurance serves high-net-worth individuals with residential, auto, fine art, watercraft, family office, and aircraft coverage. The agency also provides Surety Bonds (construction contract bonds, commercial surety, energy sector bonds), Management Liability Insurance (D&O, E&O, cyber), Estate and Business Planning, and International Insurance services. BMB's internal risk management division (BMBRisk) supports all product lines with loss control, claims monitoring, and corporate legal consulting. The agency operates from offices in Texas (Houston headquarters, Dayton, The Woodlands, Kingwood), Arkansas (Fort Smith), Louisiana (New Orleans), and Florida (Maitland, West Palm Beach, Panama City Beach).

Differentiator

Problem solved

Functional benefit

Brands

• BMBRisk: The company's risk management division providing loss control, corporate legal consulting, and claims monitoring services.
• BMBRISK

Products and services

• Commercial Construction Insurance Comprehensive insurance coverage for construction companies including builder's risk, general liability, property, commercial automobile, contractors equipment, installation floaters, pollution, professional liability, employment practices liability, and surety bonds for general contractors, specialty trades, roofing, steel erectors, demolition, and home builders.
• Energy Insurance Insurance solutions for upstream, midstream, and downstream energy companies covering oil and gas operations including control of well, rig physical damage, pollution liability, primary liability, excess liability, loss of production income, cargo insurance, and specialized energy bonds.
• Environmental Liability Insurance Environmental insurance products including contractor's pollution liability (CPL), site pollution liability, environmental excess liability, environmental protection insurance, remediation programs, storage tank liability, and real estate transactional policies.
• Food and Beverage Insurance Tailored insurance coverage for restaurants and food service businesses including food liability, commercial property, utility and spoilage insurance, commercial auto, equipment breakdown, and liquor liability.
• Healthcare/Medical Malpractice Insurance Specialized insurance for healthcare providers including medical malpractice, professional liability, general liability, property, auto, umbrella, directors and officers, and group benefits for medical professionals, facilities, practices, retirement communities, and hospitals.
• Law Firm Insurance Insurance solutions for law firms including general liability, commercial property, business owner's policy, professional liability/E&O, cyber liability, workers' compensation, employment practices liability, and commercial auto.
• Commercial Manufacturing Insurance Manufacturing insurance programs covering product liability, equipment breakdown, manufacturers' E&O, business interruption, supply chain risk, environmental liability, and inland marine for production and supply chain protection.
• Marine Business Insurance Marine insurance for Gulf Coast operations covering protection and indemnity, hull and machinery, marine umbrella/excess liability, cargo, wharfinger liability, inland marine, property, USL&H workers' compensation, maritime employers liability, and terrorism coverage.
• Public Entity Insurance Insurance and risk management solutions for public sector entities including municipalities, counties, police and fire departments, correctional facilities, parks and recreation, public transportation, educational institutions, and pooled entities.
• Commercial Real Estate Insurance Insurance programs for real estate owners, managers, and developers covering business income, catastrophic loss, commercial automobile, crime, fiduciary, employers liability, environmental impairment, umbrella policies, loss of rental income, machinery breakdown, and professional liability for REITs.
• Small Business Insurance Commercial insurance for small businesses including general liability, commercial property, business owner's policy, business income, workers' compensation, cyber liability, professional liability, and commercial auto.
• Technology Companies Insurance Insurance solutions for technology companies including technology errors and omissions, cyber insurance, business owner's policy, and commercial umbrella coverage for SaaS, hardware manufacturers, semiconductor, and telecommunications operators.
• Commercial Transportation Insurance Transportation and fleet insurance covering primary trucking liability, captive insurance programs, excess/umbrella liability, fleet liability/physical damage, warehouseman's legal liability, motor truck cargo, non-trucking use liability, and aviation insurance.
• Employee Benefits Insurance Employee benefits solutions including medical plans (fully insured, self-funded, level funded), HSA/HRA, dental, vision, life insurance, disability, worksite benefits, 401k, and executive compensation, with compliance, wellness, and HR outsourcing support.
• Estate and Business Planning Financial planning services for high-net-worth clients including wealth transfer planning, business succession planning, personal and family financial planning, and life insurance audit programs.
• International Insurance Global risk and international insurance solutions for US-based companies with multinational presence covering import/export, foreign locations, overseas sales offices, joint ventures, and international contractual relationships.
• Management Liability Insurance Professional liability insurance protecting directors, officers, and managers from securities claims, wrongful acts, employment practices, and fiduciary duties, including D&O, E&O, crime/fidelity, fiduciary liability, kidnap and ransom, and privacy and network security coverage.
• Personal Insurance Comprehensive personal insurance programs for high-net-worth individuals and families including residential, automobile, fine art and jewelry, watercraft, family office protection, kidnap and ransom, aircraft, workers' compensation for domestic staff, and employment practice liability.
• BMBRisk Risk Management Services Internal risk management division offering loss control services, corporate legal consulting, claims monitoring, and enterprise risk management for businesses across construction, real estate, manufacturing, transportation, energy, and healthcare industries.
• Surety Bonds Surety bond services for contractors including bid bonds, performance bonds, payment bonds, contract surety, commercial surety, and specialized bonds for energy sector (operators bonds, plugging and abandonment bonds, right of way bonds, geophysical exploration bonds).
• Workers' Compensation Insurance Workers' compensation coverage for Texas businesses providing Part A (state mandated) and Part B (employer's liability) coverage for work-related injuries and illnesses including medical expenses, lost wages, and disability benefits.

Quantifiable outcome

• 95% client retention rate
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

One partnership is on record.

• M Surety ServicescoreStrategic or Co-development Partner · 4 October 2024BMB acquired M Surety Services in October 2024 as a strategic transaction to expand into surety services. This acquisition signifies BMB's strategic expansion into the surety market and strengthens their capability to serve construction contractors with bonding needs.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Higginbotham: Texas-headquartered independent insurance agency offering commercial P&C, employee benefits, and risk management across similar verticals (construction, energy, manufacturing, healthcare). Closest direct comparable in size, footprint, and vertical mix to BMB.
• Brown & Riding Insurance Services: Specialty wholesale insurance brokerage with deep construction and energy expertise. Comparable specialty placement model with carrier relationships and complex-risk focus similar to BMB's higher-end work.
• Risk Placement Services (RPS): Wholesale insurance broker and managing general agent with construction, energy, and environmental specialty practices. Comparable specialty broker model serving similar E&S placements.
• Burns & Wilcox: Specialty wholesale insurance brokerage with construction, energy, and marine expertise. Direct comparable in complex-risk placement and specialty carrier relationships.
• Holmes Murphy: Independent insurance brokerage with strong construction, energy, and commercial P&C practices plus employee benefits. Comparable mid-sized independent brokerage model with multi-state presence and vertical specialization.

Broad incumbents

• Arthur J. Gallagher & Co. Large US-headquartered global insurance brokerage with deep construction, energy, and marine practices. Overlaps directly with BMB's specialty verticals but operates at materially larger scale with public-company resources.
• USI Insurance Services: Large middle-market commercial insurance brokerage serving construction, energy, real estate, and manufacturing clients. Comparable product mix (commercial P&C, employee benefits, surety) but at substantially greater scale than BMB.
• Marsh McLennan: Global insurance brokerage and risk advisory firm with significant energy, construction, and marine practices. Represents the upper-bound incumbent against which mid-sized specialty brokers like BMB compete for large commercial accounts.
• Aon: Global insurance and reinsurance brokerage with commercial P&C, energy, and construction specialties. Competes with BMB for large enterprise commercial placements and sets competitive benchmarks on pricing and service.
• AssuredPartners: Large middle-market insurance brokerage formed via roll-up strategy. Competes in similar commercial P&C and employee benefits segments with a regional-office model analogous to BMB's.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bowenmiclettebritt
• LinkedInlinkedin.com/company/bowen-miclette-&-britt

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

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 Bowen, Miclette & Britt Insurance Agency