Sutton National
- Company typePrivate
- Founded1972
- HeadquartersDania, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
Sutton National firmographics
Firmographics- Name
- Sutton National
- Legal name
- Sutton National Insurance Company
- Website
- https://suttonnational.com
- Company type
- Private
- Founded year
- 1972
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where Sutton National is headquartered
LocationHeadquarters
- HQ city
- Dania
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Sutton National business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Insurance Underwriting Premium Revenue: Sutton National generates revenue by providing insurance capacity to program administrators. The company collects premiums from policyholders through its admitted (Sutton National Insurance Company) and surplus lines (Sutton Specialty Insurance Company) carriers, retaining underwriting results while delegating operational management to program administrators. This is a traditional program carrier/fronting carrier model where revenue is generated from net premiums earned minus claims costs and operating expenses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom commercial insurance pricing based on individual risk assessment |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Sutton National product offering
Product offeringCore offering
Sutton National Group is a U.S. property & casualty program carrier providing admitted insurance capacity through Sutton National Insurance Company and surplus lines (E&S) capacity through Sutton Specialty Insurance Company. The company partners with select program administrators and MGAs under delegated authority arrangements so those partners can develop, underwrite, and distribute specialized insurance programs nationwide. Combined capital and surplus exceeds $150 million and the group carries an AM Best A- (Excellent) financial strength rating.
Product overview
Sutton National Group operates as a dual-entity insurance program carrier offering both admitted and surplus lines capacity. The company provides admitted capacity through Sutton National Insurance Company and E&S capacity through Sutton Specialty Insurance Company, with combined capital and surplus exceeding $150 million. The two entities work together to serve program administrators through delegated authority arrangements, enabling partners to offer both standard and specialty insurance products nationwide. Claims administration is handled through Third Party Administrators (TPAs) designated by the company.
Differentiator
Problem solved
Functional benefit
Products and services
- Sutton National Insurance Company Admitted U.S. property & casualty insurance carrier providing admitted lines capacity nationwide to program administrators and MGAs operating under delegated authority. Enables partners to develop, underwrite, and distribute admitted market insurance programs under Sutton's regulatory licensure and capital backing.
- Sutton Specialty Insurance Company Excess & Surplus (E&S) lines insurance carrier providing nationwide surplus lines capacity for risks that do not fit standard admitted market criteria, offered through delegated authority program administrators and MGAs.
Companies that use Sutton National
Customer profileNamed customers2 records
Segments1 record
Ideal customer profiles1 record
Sutton National technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Sutton National partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Select Program AdministratorscoreSutton National partners with select program administrators who are granted delegated authority to manage insurance business operations on their behalf. These partners develop, underwrite, and distribute insurance programs using Sutton National's admitted and surplus lines capacity. The company emphasizes true alignment of interests with partners and no channel conflicts to maximize partner opportunities.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Sutton National competitors and assessment
Company assessmentDirect peers
- Accelerant US Holdings: Fronting carrier and program management platform named by AM Best in the same growth-engine cohort as Sutton. Competes directly for MGA delegated authority relationships and reinsurance capacity partnerships in the US P&C program space.
- Obsidian Insurance Group: Specialty insurance platform operating as a fronting/program carrier for MGAs, identified alongside Sutton by AM Best as a growth engine. Comparable business model of providing capacity and regulatory infrastructure to program administrators.
- Skyward Specialty Insurance Group: Specialty P&C insurer with E&S and admitted lines writing program business through delegated authority arrangements. Comparable dual-platform approach to serving MGAs and program administrators.
- Spinnaker Insurance Company: Program carrier offering admitted and surplus lines capacity through delegated authority to MGAs. Directly comparable structure to Sutton National with similar fronting-carrier focus.
- ProSight Specialty Insurance: Specialty P&C carrier writing business through MGAs and program administrators with delegated underwriting authority. Overlapping target customers and fronting-style operating model.
Broad incumbents
- Crum & Forster Insurance: Large specialty P&C carrier owned by Fairfax with deep program management capabilities. Competes for MGA partnerships at greater scale and broader geographic reach than Sutton.
- MS&AD Insurance Group: Global insurance group whose US operations compete in the fronting and program carrier space. Named by AM Best alongside Sutton as a growth engine, but operates at materially greater scale and capital base.
- Berkley Custom Insurance: Specialty division of W.R. Berkley Corporation writing program business through delegated authority. Comparable MGA-driven distribution model backed by a much larger parent.
- AF Group: Specialty commercial carrier with significant program management operations; Sutton's VP of Operations previously managed a $200M+ program portfolio at AF Specialty. Comparable program administration focus.
- Tokio Marine HCC: Specialty insurance group within Tokio Marine offering surplus lines and admitted capacity through program partnerships. Operates as a broader incumbent with overlapping fronting carrier capabilities.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Sutton National social profiles
Digital presenceSutton National compliance and trust
Trust signalCompliance2 records
Sutton National financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sutton National leadership team
Management profileNumber of profiles
Profiles26 records
Sutton National subsidiaries and ownership
Company hierarchySubsidiaries2 records
Sutton National funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sutton National M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sutton National
What does Sutton National do?
Sutton National Group is a U.S. property & casualty program carrier providing admitted insurance capacity through Sutton National Insurance Company and surplus lines (E&S) capacity through Sutton Specialty Insurance Company. The company partners with select program administrators and MGAs under delegated authority arrangements so those partners can develop, underwrite, and distribute specialized insurance programs nationwide. Combined capital and surplus exceeds $150 million and the group carries an AM Best A- (Excellent) financial strength rating.
Is Sutton National a public or private company?
Sutton National is a private company. It is classified as unknown and is currently operating.
When was Sutton National founded?
Sutton National was founded in 1972. It employs 11 to 50 people.
Where is Sutton National based?
Sutton National is headquartered in Dania, United States, in the North America region.
How does Sutton National make money?
One revenue line is on record: insurance Underwriting Premium Revenue.
Who are Sutton National's main competitors?
Direct peers on record are Accelerant US Holdings, Obsidian Insurance Group, Skyward Specialty Insurance Group, Spinnaker Insurance Company and ProSight Specialty Insurance. Broad incumbents are Crum & Forster Insurance, MS&AD Insurance Group, Berkley Custom Insurance, AF Group and Tokio Marine HCC.
Does Sutton National have an API?
No public API is recorded for Sutton National.