Ian H. Graham Insurance

What Ian H. Graham Insurance does

Ian H. Graham Insurance (IHG) is a specialty managing general underwriter (MGU) and program administrator focused exclusively on insurance for nonprofit community associations. Founded in 1982, IHG operates today as a brand within Affinity Insurance Services, Inc., a subsidiary of Aon plc. The company serves more than 5,000 independent insurance brokers representing approximately 42,000 community association clients — including homeowner associations, condominium owner associations, cooperatives, master associations, and property owner associations — across the United States. Its core product portfolio comprises Directors & Officers Liability, Crime & Fidelity, Property Insurance, a Property Managers' Program, and Nonprofit Insurance Solutions, with all policies underwritten by carrier partner CNA.

The company distributes exclusively through independent insurance brokers and agents, accessed via the Aon Programs broker portal and four dedicated online application paths (D&O with Optional Crime/Fidelity, standalone Crime & Fidelity, Property Manager's E&O/Crime, and Small Condo Property Program). Technology infrastructure is built on Aon's enterprise systems, including the Affinity Insurance Services platform, providing broker-facing web portals for quoting, binding, and policy management. The company also offers risk education resources, a D&O Claims Helpline staffed by CNA Specialty Claim Unit professionals, and industry partnerships with the Community Associations Institute (CAI) and California Association of Community Managers (CACM).

Revenue is generated through insurance premium volume as the MGU/program administrator, earning commissions on D&O, Crime & Fidelity, Property, and Property Manager E&O policies. The company is part of Aon Programs, which provides access to 400+ custom insurance programs and over $850M in premium volume leverage. IHG operates with 11-50 employees across multiple states including California (Irvine mailing address), Texas, Arkansas, Minnesota, Oklahoma, and New York, functioning as a niche specialty insurance operation within Aon's broader portfolio.

Name

Ian H. Graham Insurance

Legal name

Affinity Insurance Services, Inc.

Website

https://ihginsurance.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

Ian H. Graham Insurance is a specialty managing general underwriter and program administrator providing D&O, Crime & Fidelity, Property, and Property Manager insurance to 42,000 nonprofit community associations through 5,000+ brokers, operating as a brand under Aon plc's Affinity Insurance Services.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Community association insurance
• Directors and officers liability
• Managing general underwriter
• Property insurance programs
• Nonprofit insurance solutions

Headquarters

HQ city

Los Angeles

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, Infrastructure

Revenue model

1. Insurance Premium Revenue: IHG operates as a managing general underwriter and program administrator for the CNA insurance company. The company earns revenue through insurance premium volume from its specialized insurance programs. With 42,000 community association clients served through 5,000+ brokers, IHG generates premium revenue from D&O, Crime & Fidelity, Property, and Property Managers E&O policies. The company has been providing products and services since 1982.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Ian H. Graham Insurance (IHG) is a managing general underwriter (MGU) and program administrator specializing in specialty insurance for nonprofit community associations. The company underwrites and administers customized Directors & Officers Liability, Crime & Fidelity, Property, Property Managers E&O, and Nonprofit D&O coverage, distributing these products exclusively through a network of more than 5,000 independent insurance brokers representing 42,000 community association clients nationwide. IHG operates as a brand of Affinity Insurance Services, Inc., part of Aon plc, and underwrites policies through carrier partner CNA.

Product overview

Ian H. Graham Insurance (IHG) is a specialty insurance brokerage and program administration operation offering a suite of insurance products for nonprofit community associations. The portfolio includes five core products: Directors & Officers Liability (D&O) Insurance, Crime & Fidelity Insurance, Property Insurance, Property Managers' Program, and Nonprofit Insurance Solutions. These products are designed specifically for community associations (HOAs, condominiums, cooperatives) and are delivered through insurance brokers serving over 5,000 brokers representing 42,000 community association clients. IHG operates as part of Aon Programs and underwrites policies through carrier partner CNA.

Differentiator

Problem solved

Functional benefit

Products and services

• Directors & Officers Liability Insurance (D&O) Highly customized Directors & Officers Liability policy designed for nonprofit community associations (HOAs, condominiums, cooperatives), protecting volunteer board members from personal liability arising from decisions made on behalf of the association. Distributed through independent insurance brokers.
• Crime & Fidelity Insurance Crime and fidelity coverage tailored to community associations, complementing the D&O policy by covering employee dishonesty, theft, and fidelity bond exposures. Designed for nonprofit community associations and distributed via independent brokers.
• Property Insurance Customized property insurance policy covering unique community association exposures including common elements, buildings, and related property risks. Includes a Small Condo Property Program download application option. Targeted at HOAs, condominiums, cooperatives, and related community associations.
• Property Managers' Program Combined policy bundling property, general liability, business income, Errors & Omissions, and commercial crime coverages into one competitive premium for community association property management companies. Designed to address professional liability when associations sue property managers.
• Nonprofit Insurance Solutions Highly customized Directors & Officers Liability coverage extended to nonprofit organizations beyond community associations, including social service and charitable organizations that share similar governance and volunteer board risk exposures.

Quantifiable outcome

• 42,000 community associations insured across the United States
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• CNA (CNA Financial Corporation)coreTechnology or IntegrationCNA is the primary insurance carrier and underwriter for IHG's community association insurance programs. IHG serves as the managing general underwriter (MGU) and program administrator, while CNA provides the actual insurance capacity and，承担承保风险。The partnership includes a D&O Claims Helpline providing professional guidance from CNA Specialty Claim Unit. IHG's products include Property, GL, D&O, Crime and more, all underwritten by CNA.
• Aon Programs / Aon plccoreStrategic or Co-development PartnerIHG is a brand of Affinity Insurance Services, Inc., which is part of Aon plc. IHG is marketed under the Aon Programs portfolio, which includes 400+ custom insurance programs, 1,400+ dedicated professionals, and access to $850M+ premium volume. Aon Programs serves as a conduit between Aon companies and the independent agency/broker network.
• Community Associations Institute (CAI)minorGTM or Marketing PartnerCAI is a national nonprofit 501(c)(6) association created in 1973 to provide education and resources to America's 231,000 residential condominium, cooperative and homeowner associations. IHG provides a Condo Safety Resource Guide link to CAI resources and is listed as a helpful link partner on CAI's website. CAI has approximately 231,000 members including community associations and related professionals.
• California Association of Community Managers (CACM)minorGTM or Marketing PartnerCACM is the only organization in California whose membership is comprised entirely of community association managers and association practitioners. IHG is listed as a helpful link on CACM's website. CACM provides education, training, and heightened professionalism for community association managers with nearly 3,000 members.
• Affinity Insurance Services, Inc.coreStrategic or Co-development PartnerIan H. Graham Insurance is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. IHG operates as a division within Affinity Insurance Services across multiple states including TX, AR, CA, MN, OK, NY.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Burns & Wilcox: Burns & Wilcox is a wholesale insurance broker and MGA specializing in excess & surplus lines and specialty commercial insurance. Comparable to IHG as a specialty insurance intermediary distributing niche property/casualty and liability coverages through independent agents.
• Philadelphia Insurance Companies: Philadelphia Insurance is a major specialty carrier offering HOA, condo, and community association insurance products including D&O, property, and crime coverage. Directly comparable to IHG as a specialty insurer/MGU focused on the community association vertical with similar product breadth and distribution through independent agents.
• Crump Insurance Services: Crump is a wholesale broker and managing general agent offering specialty property/casualty insurance programs distributed through independent agents. Comparable to IHG in operating as both a wholesale and MGU platform for niche commercial lines including community/association exposures.
• Alliant Insurance Services: Alliant is a specialty insurance brokerage with a dedicated community association practice offering HOA and condo insurance programs. Directly comparable to IHG in serving nonprofit community associations with multi-line coverage distributed through agents/brokers.
• RPS (Risk Placement Services): RPS is a wholesale insurance distributor and MGA operating specialty programs distributed through independent retail agents. Comparable to IHG as a program administrator/MGU using an agent/broker distribution model for specialty property and casualty coverages.
• K2 Insurance Services: K2 Insurance Services is a managing general agent and program administrator platform built through roll-up of specialty insurance MGUs. Highly comparable to IHG's role as a niche program administrator under a larger platform (Aon) distributing specialty insurance products through independent agents and brokers.

Broad incumbents

• Hanover Insurance Group: Hanover Insurance offers specialty commercial lines including community association/HOA products as part of a broader P&C portfolio. Comparable to IHG's community association focus but operates as a much larger diversified carrier across many commercial lines.
• Travelers Insurance: Travelers offers community association/HOA insurance products as part of its extensive commercial P&C portfolio. Comparable to IHG in the community association vertical but as a much larger broad-line incumbent carrier with national distribution.
• Liberty Mutual Insurance: Liberty Mutual offers community association and HOA insurance products as part of its diversified personal and commercial lines portfolio. Comparable to IHG in offering community association coverage but as a broad-line national carrier rather than a niche MGU.

Emerging players

• State National Companies (an Lonza company): State National Companies provides program administration and MGU services including specialty commercial programs. Comparable to IHG as a program administrator/MGU platform offering fronting and underwriting services for specialty distribution partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ihg-insurance
• Xx.com/ihginsurance
• Facebookfacebook.com/ihginsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Ian H. Graham Insurance