Moody Insurance Worldwide

What Moody Insurance Worldwide does

Moody Insurance Worldwide is an independent insurance agency founded in 1914 and headquartered in Frederick, Maryland, just outside Washington, D.C., operating as a division of Moody & Associates, Inc. The firm is privately held, family-controlled through the Moody lineage, and led by President Christopher Moody II, with a stated headcount in the 11-50 range. It generates revenue primarily through carrier commissions on commercial property and casualty, personal lines, and employee benefits placements across all 50 U.S. states and overseas markets.

The product portfolio spans Business Insurance (Cyber Liability, Management and Professional Liability, Commercial Property and Liability, Workers' Compensation, Business Auto, Umbrella, Surety Bonding), Personal Insurance (Homeowners, Auto, Renters, Investment Property, Watercraft, Flood, Life and Disability, Motorcycle, Motorhome, Valuable Items), and Employee Benefits (Group Health including Level Funded and Self Funded tiers, Dental, Life, Disability, Supplemental). The firm maintains dedicated practice areas for niche verticals including Trade Associations, Government Contractors (with Defense Base Act expertise), BioTech and Life Sciences, Non-Profits, the Information Technology industry, Professional and Commercial Cleaning, Restaurants and Breweries, and International Insurance Solutions. Distribution is direct-to-consumer via licensed commercial account managers supported by phone, email, and web-based quote request forms, with content marketing through an active blog. There is no proprietary technology platform; the offering is consultative placement of carrier-underwritten policies rather than a software or insurtech product.

Name

Moody Insurance Worldwide

Legal name

Moody & Associates, Inc.

Website

https://moodyinsurance.com

Company type

Private

Founded year

1914

Operating status

Operating

Headcount range

11–50 employees

Short description

Moody Insurance Worldwide is an independent insurance agency founded in 1914 and headquartered near Washington, D.C., serving businesses and individuals across all 50 U.S. states and overseas. It places commercial P&C, personal lines, and employee benefits through licensed account managers, with specialty practices in government contractors, biotech, trade associations, IT, non-profits, and international coverage.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAJ

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Commercial insurance brokerage
• Personal insurance solutions
• Employee benefits coverage
• Specialty insurance programs
• Independent insurance agency

Headquarters

HQ city

Frederick

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Moody Insurance Worldwide generates revenue through commissions paid by insurance carriers for placing business. Agents earn commissions based on premium volume placed with various insurance companies across business, personal, and employee benefits lines of coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Moody Insurance Worldwide is an independent insurance agency that brokers commercial property & casualty, health, life, and personal insurance products on behalf of multiple carriers. It operates across three core lines — Business Insurance, Personal Insurance, and Employee Benefits — and delivers industry-tailored coverage programs for verticals such as government contractors, biotech/life sciences, trade associations, IT, non-profits, and cleaning services. Coverage is provided through consultative licensed account managers rather than as a self-serve software product.

Product overview

Moody Insurance Worldwide is a specialized, independent insurance agency providing a comprehensive portfolio of business and personal insurance solutions. The company operates across all 50 U.S. states and internationally, with particular expertise in industry-specific programs. Their product portfolio spans three main categories: Business Insurance (including Cyber Liability, Professional Liability, Management Liability, Commercial Property, Workers' Compensation, Business Auto, Umbrella, and Surety Bonding), Personal Insurance (including Homeowners, Auto, Renters, Investment Property, Watercraft, Flood, Life & Disability, Motorcycle, Motorhome, and Valuable Items), and Employee Benefits (including Group Health, Dental, Life, Disability, and Supplemental Insurance). The company specializes in niche sectors including Trade Associations, Government Contractors, BioTech & Life Sciences, IT Industry, Non-Profits, Professional/Commercial Cleaning Services, and International Insurance Solutions. They offer specialized health funding strategies including Traditional Group Health, Level Funded, and Self Funded options. Moody also provides specialized technology insurance programs through their dedicated IT division. All products are delivered as consultative, tailored insurance programs rather than a software platform.

Differentiator

Problem solved

Functional benefit

Brands

• Moody Insurance Worldwide: Primary brand for business and personal insurance solutions including property, liability, professional liability, cyber liability, D&O, and international coverage.

Products and services

• Trade Associations Insurance Insurance program for trade associations covering D&O liability, general liability, professional liability, cyber liability, and event cancellation coverage for conferences and conventions.
• Government Contractors Insurance Insurance program for federal and government contractors including Defense Base Act coverage, professional liability, cyber liability, and international coverage for overseas federal contracts.
• BioTech & Life Sciences Insurance Insurance program for biotech, CROs, CMOs, and life sciences organizations including clinical trial liability, product liability, D&O, and cyber liability.
• Non-Profit Organizations Insurance Comprehensive insurance for non-profit organizations and associations including D&O, EPLI, general liability, cyber liability, and volunteer coverage.
• Information Technology Industry Insurance Insurance program for IT consultants, software developers, and technology service providers including professional liability/E&O, cyber liability, property, and business coverage.
• Professional/Commercial Cleaning Services Program Insurance program for commercial cleaning and janitorial services businesses including property, liability, workers compensation, and automobile coverage.
• International Insurance Solutions Global insurance coverage including international property, auto liability, foreign general liability, political risk, kidnap & ransom, and worldwide master controlled programs.
• Restaurants and Breweries Insurance Specialized insurance for restaurants, breweries, and food/beverage businesses including property, liability, workers compensation, and liquor liability.
• Cyber Liability Insurance Coverage for data breaches, cyber incidents, ransomware attacks, and associated costs including notification expenses, legal fees, and business interruption.
• Commercial Property & Liability Insurance Coverage for commercial buildings, contents, business income, and third-party bodily injury and property damage claims.
• Workers' Compensation Insurance Coverage for employee work-related injuries and illnesses as required by state law, including medical benefits and disability payments.
• Business Automobile Insurance Coverage for company vehicles, hired and non-owned auto liability, and related business auto exposures.
• Business Travel Accident Insurance Coverage for employees traveling on business for accidental death, dismemberment, and related medical expenses.
• Umbrella Liability Insurance Excess liability coverage providing additional protection beyond primary policy limits for businesses.
• Surety Bonding Contract bonds, surety bonds, and fidelity bonds for contractors and businesses to guarantee contract performance.
• Management Liability Insurance Coverage protecting business leadership from claims related to wrongful acts, mismanagement, and fiduciary duties, including D&O and professional liability.
• Professional Liability Insurance (E&O) Errors and omissions coverage that protects businesses and professionals against claims that professional services or advice caused financial harm to a client.
• Homeowners Insurance Coverage for homes including dwelling, personal property, liability, and additional living expenses.
• Personal Automobile Insurance Coverage for personal vehicles including liability, collision, comprehensive, and uninsured motorist protection.
• Renters Insurance Coverage for renters protecting personal belongings and providing liability coverage.
• Investment Property Insurance Coverage for rental properties and investment real estate including dwelling, liability, and loss of rental income.
• Watercraft Insurance Coverage for boats, yachts, and watercraft including physical damage and liability protection.
• Flood Insurance Coverage for flood damage to property and belongings, available through NFIP and private market options.
• Individual Life & Disability Insurance Personal life insurance and disability income coverage for individuals and families.
• Motorcycle Insurance Coverage for motorcycles including liability, collision, and comprehensive protection.
• Motorhome Insurance Specialized coverage for motorhomes and recreational vehicles.
• Valuable Items Insurance Coverage for jewelry, collectibles, and other high-value personal items.
• Personal Umbrella Liability Insurance Excess personal liability coverage providing additional protection beyond the limits of underlying home and auto policies.
• Group Health Insurance Health coverage for employer groups including traditional plans, HMO, PPO, POS options, and ACA-compliant essential health benefits.
• Level Funded Health Insurance Hybrid self-funding approach for small and mid-sized employers combining fixed monthly budgeting with stop-loss insurance protection.
• Self-Funded Group Health Self-insurance strategies for employers including partially self-funded, fully self-funded, level-funded, and group health captive arrangements with stop-loss coverage.
• Group Dental Insurance Dental coverage for employer groups offered as part of an employee benefits package.
• Group Life Insurance Employer-sponsored life insurance coverage for employees.
• Group Disability Insurance Short-term and long-term disability coverage for employees.
• Supplemental Insurance Additional voluntary insurance products including accident, critical illness, and hospital indemnity coverage for employees.

Segments11 records

Ideal customer profiles9 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Aon: Global professional services firm offering insurance brokerage, reinsurance, and risk management. Overlaps with Moody's commercial and employee benefits product lines at the upper end of the market.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with deep specialty practice groups. Overlaps heavily with Moody's commercial and benefits offerings but operates at materially larger scale with broader geographic reach.
• Lockton Companies: Largest privately held independent insurance brokerage in the U.S., with specialty practices in professional liability, cyber, and healthcare. Similar independent ownership philosophy and specialty depth.
• Marsh McLennan: World's largest insurance broker and risk advisor, with deep specialty and government contractor practices. Represents the upper-bound incumbent that Moody's specialty positioning competes against for mid-market clients.
• Acrisure: Tech-enabled insurance brokerage leveraging proprietary digital tools to serve commercial and personal clients. Represents a contrast case of an independent broker investing heavily in technology — relevant comparable for valuation purposes.

Direct peers

• Brown & Brown: Large publicly traded independent insurance brokerage with a similar multi-line, multi-carrier agency model serving commercial and personal clients across the U.S. Highly comparable in operating philosophy, though significantly larger in scale.
• Hub International: Mid-to-large independent insurance brokerage offering commercial, personal, and employee benefits products across North America. Closely comparable in agency structure and product mix.
• USI Insurance Services: Large independent insurance brokerage serving middle-market commercial clients with property/casualty, employee benefits, and specialty lines. Comparable in independent-agency model and middle-market focus.
• AssuredPartners: Rapidly growing independent insurance brokerage focused on middle-market commercial and personal lines. Highly comparable in size range and product mix, including specialty verticals.

Regional players

• Wells Fargo Insurance Services (now part of Marsh): Bank-owned brokerage arm historically serving middle-market commercial clients — illustrative of bank-affiliated distribution that competes with independent agencies for commercial property/casualty business.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Moody-Insurance-Worldwide-393550374080440/?ref=page_internal
• LinkedInlinkedin.com/company/moody-&-associates-inc?trk=top_nav_home
• Xx.com/MoodyInsWorld

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Moody Insurance Worldwide