M3 Monagan Miller McCreary Insurance Agency
M3 Monagan Miller McCreary Insurance Agency is an independent, family-owned insurance agency in Tracy and Danville, California that brokers personal and commercial insurance from 40+ carriers for Northern California individuals, families, and small businesses.
- Company typePrivate
- Founded1960
- HeadquartersTracy, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What M3 Monagan Miller McCreary Insurance Agency does
M3 Monagan Miller McCreary Insurance Agency (doing business as M3 Insurance) is a privately held, independent insurance agency headquartered in Tracy, California, with a secondary office in Danville. Founded around 1960 and owned since 2000 by Sean McCreary (President, Sales, and CEO), the agency has operated continuously in Northern California for more than 60 years. It is a relationship-driven distribution intermediary rather than a technology product company, with a small employee base (11-50) that delivers concierge-style service through licensed insurance advisors.
The agency sells both personal and commercial insurance by brokering policies from a panel of more than 40 insurance carriers, including national carriers (Allianz, Chubb, Hartford, Liberty Mutual, MetLife, Travelers, AIG/Chartis), specialty carriers (Hagerty for classic cars, Lloyds, Everest, Markel), workers' compensation specialists (Zenith, Republic Indemnity, Employers), and regional carriers (Oregon Mutual, Sequoia, Topa). Its product menu spans 20+ personal lines (auto, home, umbrella, high net worth, yacht, life, valuable possessions, wedding, flood/earthquake) and a similarly broad commercial book — including BOP, workers' comp, cyber liability, EPLI, D&O, E&O, captive insurance, surety bonds, and 16+ industry specialty verticals such as brewery, fitness, marijuana, medical office, manufacturing, and technology firm insurance. The underlying technology is industry-standard agency management software; no proprietary technology products are developed or sold.
Revenue is generated almost entirely through carrier commissions on new business and renewals, supplemented by referral-driven acquisition. Pricing is quote-based and varies with client risk profile, carrier, and coverage mix. The go-to-market is sales-led through licensed advisors meeting clients at offices or by phone, augmented by a website quote-intake funnel, an active blog and social media presence, an email newsletter, and a formal referral program.
M3 Monagan Miller McCreary Insurance Agency firmographics
Firmographics- Name
- M3 Monagan Miller McCreary Insurance Agency
- Legal name
- M3 Monagan Miller McCreary Insurance Agency
- Website
- https://m3insurance.com
- Company type
- Private
- Founded year
- 1960
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- M3 Monagan Miller McCreary Insurance Agency is an independent, family-owned insurance agency in Tracy and Danville, California that brokers personal and commercial insurance from 40+ carriers for Northern California individuals, families, and small businesses.
- Ownership category
- akta.pro rank
Where M3 Monagan Miller McCreary Insurance Agency is headquartered
LocationHeadquarters
- HQ city
- Tracy
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
M3 Monagan Miller McCreary Insurance Agency business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commissions: Revenue generated through commissions paid by insurance carriers for policies sold and renewed. As an independent agency representing multiple insurance companies, they earn commissions on new policy sales and renewal commissions on ongoing policies. This is the standard revenue model for independent insurance agencies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing tailored to individual client needs |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
M3 Monagan Miller McCreary Insurance Agency product offering
Product offeringCore offering
M3 Monagan Miller McCreary Insurance Agency is an independent insurance brokerage that sells personal and business insurance policies on behalf of more than 40 national and regional carriers. Licensed advisors consult with individuals, families, and businesses to assess risk and match coverage needs across auto, home, life, specialty vehicles, commercial property, workers' compensation, general/professional liability, cyber, and many industry-specific lines. Revenue is generated through new-policy and renewal commissions paid by carrier partners.
Product overview
M3 Monagan Miller McCreary Insurance Agency is an independent insurance agency offering a comprehensive suite of insurance solutions through a network of over 50 insurance carrier partners. The agency operates as a broker model, not a single unified product platform. Their portfolio consists of two primary product categories: Personal Insurance (including Auto, Home, Renters, Condo, Motorcycle, Off-Road Vehicle, RV, Snowmobile, Watercraft, Classic Car, Flood, Earthquake, Wedding, Mobile Home, Valuable Possessions, Excess Liability, Umbrella, High Net Worth, Yacht, Individual Life, Child Life, Secondary Home, and Landlord Rental Property insurance) and Business Insurance (including Commercial Property, Business Owners Policy, Builders Risk, General Liability, Workers' Compensation, Commercial Umbrella, Cyber Liability, EPLI, E&O, D&O, Crime, Business Auto, Liquor Liability, Special Event, Surety Bonds, Ocean/Inland Marine, Environmental, Systems Breakdown, Key Man Life, Fiduciary Liability, and Captive Insurance). They also offer Industry Specialties covering Real Estate Investors, Property Managers, Condo Buildings, Breweries, Fitness Centers, Fleet, Farms, Garage Repair Shops, Marijuana Businesses, Medical Offices, Non-Profits, Professional Services, Restaurants, Retail, Manufacturers, Technology Firms, and Wholesalers/Distributors.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Coverage protecting vehicles against accidents, liability, property damage, medical payments, uninsured motorist, collision, comprehensive, rental, and loss-of-use exposures for individual vehicle owners.
- Home Insurance Coverage protecting homes against fire, personal property damage, liability, medical expenses, additional living expenses, with optional flood and earthquake riders.
- Renters Insurance Coverage protecting renters' personal belongings and liability, including personal property, additional living expenses, liability, and medical payments.
- Condo Insurance Coverage for condo unit owners covering betterments, improvements, personal liability, loss assessment, and physical damage beyond the master condo policy.
- Motorcycle Insurance Coverage for motorcycles including liability, collision, comprehensive, custom parts, uninsured motorist, and roadside assistance.
- Off-Road Vehicle Insurance Coverage for ATVs, dirt bikes, snowmobiles, and other off-road vehicles against collision, liability, and comprehensive risks.
- RV Insurance Coverage for recreational vehicles including windshield replacement, personal possessions, theft, liability, and rental or accommodation coverage when the RV is out of service.
- Snowmobile Insurance Coverage for snowmobiles including liability, collision, comprehensive, equipment costs, and medical payments.
- Watercraft Insurance Coverage for boats and watercraft including physical damage, liability, personal possessions, and towing or assistance.
- Classic Car Insurance Specialty coverage for collector and antique cars featuring agreed-upon value protection and authentic parts coverage.
- Flood Insurance Specialized flood damage coverage sourced through the National Flood Insurance Program (NFIP) or Write Your Own carriers.
- Earthquake Insurance Specialty coverage that bridges gaps in homeowners insurance for earthquake damage to homes and possessions.
- Wedding Insurance Event insurance covering postponement, accidental damage to materials, and supplier failures for weddings.
- Mobile Home Insurance Specialized coverage for manufactured and mobile homes against fire, natural disasters, and moving-related risks.
- Valuable Possessions Insurance Coverage for high-value items such as jewelry, art, and antiques with replacement value coverage and off-premises protection.
- Excess Liability Insurance Additional liability coverage that activates when primary policy limits are exhausted, providing extra financial protection.
- Umbrella Insurance Extra liability policy providing additional coverage beyond auto and homeowners policies for property damage, bodily injury, and lawsuits.
- High Net Worth Insurance Customized comprehensive coverage for high-asset individuals including cyber risk, domestic employee practices, excess liability, and travel insurance.
- Yacht Insurance Coverage for yachts including agreed-value or cash-value payout options, liability, collision damage, and optional towing and assistance.
- Individual Life Insurance Coverage including term, whole, and universal life insurance for income replacement, debt payoff, and business continuity.
- Child Life Insurance Whole life policy for children providing funeral cost coverage, savings and college fund component, and guaranteed future coverage.
- Secondary Home Insurance Coverage for vacation or seasonal homes with extended liability and specialized protection for properties unattended for extended periods.
- Landlord Rental Property Insurance Coverage for property owners renting to others, including rental dwelling, lost rental income, landlord liability, and vacancy protection.
- Commercial Property Insurance Coverage protecting business assets against theft, fire, natural disasters, and associated income loss.
- Workers' Compensation Insurance Coverage for employees injured on the job or in work-related auto accidents, including medical bills and lost wages.
- Business Owners Insurance (BOP) Combined business property and liability coverage in one policy protecting against various business risks.
- Builders Risk Insurance Coverage protecting properties during construction or renovation against fire, theft, and weather damage.
- General Liability Insurance Coverage protecting businesses against third-party claims for bodily injury, property damage, and personal injury.
- Commercial Umbrella Insurance Additional liability layer supplementing existing business policies for enhanced protection.
- Cyber Liability Insurance Coverage protecting businesses against expenses associated with data breaches.
- Employment Practice Liability Insurance (EPLI) Coverage protecting employers against claims of discrimination, sexual harassment, retaliation, and other employment-related issues.
- Errors & Omissions Liability Insurance (E&O) Coverage protecting businesses that provide advice, recommendations, or design solutions against negligence claims.
- Directors & Officers Liability Insurance (D&O) Coverage for directors and officers serving on boards against claims made while performing their duties.
- Crime Insurance Coverage protecting businesses from white-collar crime including theft, fraud, and forgery.
- Business Auto Insurance Coverage for company vehicles and fleets protecting business and personal assets from commercial vehicle exposure.
- Liquor Liability Insurance Coverage for businesses serving alcohol against liability from customers causing damage or injury after being served.
- Special Event Insurance Coverage for financial risks associated with special events, protecting against cancellation and vendor issues.
- Surety Bonds Guarantee coverage ensuring investment protection in construction projects, commonly used in construction and government contracts.
- Ocean Marine Insurance Coverage protecting cargo, vessels, and items during ocean transportation.
- Inland Marine Insurance Coverage protecting business property while in transit or away from business premises.
- Environmental Insurance Coverage protecting businesses against environmental risks and liabilities.
- Systems Breakdown Insurance Coverage for sudden and accidental physical damage to equipment requiring repair or replacement.
- Key Man Life Insurance Coverage keeping businesses afloat after the death of integral employees, ensuring business continuity.
- Fiduciary Liability Insurance Coverage protecting individuals as ERISA fiduciaries against mismanagement claims of employee benefit plans.
- Captive Insurance Management Self-insurance solution allowing businesses to insure themselves with potential tax benefits and legal protections.
- Real Estate Investor Insurance Specialized coverage for real estate investors protecting property portfolios with liability, property damage, and vacancy period coverage.
- Property Manager Insurance Coverage for residential or commercial property managers addressing diverse risks including liability and damage protection.
- Condo Building Insurance Specialty coverage clarifying responsibility for different risk types in condo associations.
- Brewery Insurance Combined specialty coverage for breweries including liquor liability, property, and general business insurance.
- Fitness Center Insurance Specialty coverage for gyms and fitness centers filling gaps left by customer waivers.
- Fleet Insurance Single policy covering all company vehicles including cars and trucks.
- Farm Insurance Combined home and business coverage simplifying insurance for farms.
- Garage Repair Shop Insurance Specialty coverage protecting garage repair shops from high financial risks inherent to the business.
- Marijuana Insurance Coverage for cannabis businesses addressing risks from general liability to product storage.
- Medical Office Insurance Specialty coverage protecting medical offices against unique risks and potential losses.
- Non-Profit Insurance Coverage protecting non-profit organizations against risks faced by small businesses.
- Professional Services Insurance Coverage protecting businesses handling personal services and their clients.
- Restaurant Insurance Customized coverage addressing unique restaurant risks including food service liabilities.
- Retail Business Insurance Customized coverage for small retail businesses protecting against various operational risks.
- Manufacturer Insurance Coverage for manufacturing businesses protecting against risks unique to their operations.
- Technology Firm Insurance Specific coverage for technology firms addressing unique risks due to the nature of tech work.
- Wholesaler and Distributor Insurance Specialty coverage protecting wholesalers and distributors from financial risks associated with large stock inventories.
Quantifiable outcome
- Clients report saving 45-50% on home and auto policies
- +1 more outcomes
Companies that use M3 Monagan Miller McCreary Insurance Agency
Customer profileNamed customers9 records
Segments2 records
Ideal customer profiles2 records
M3 Monagan Miller McCreary Insurance Agency technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
M3 Monagan Miller McCreary Insurance Agency partnerships and signals
Strategic signalPartnerships
46 partnerships are on record, tiered core.
- Ace Private Risk ServicescoreInsurance carrier partner offering personal insurance products. Claims: 800-945-7461, Billing: 800-444-6161.
- AllianzcoreGlobal insurance company partner. Claims: 312-224-3371, General: 312-224-3300.
- AmTrust North AmericacoreSmall business insurance carrier. Claims: 866-272-9267.
- Arrowhead General Insurance AgencycoreGeneral insurance agency partner. Phone: 800-669-1889.
- Berkshire Hathaway Inc.coreLarge insurance conglomerate partner.
- Chartis Insurance (AIG)coreMajor commercial and personal insurance carrier (AIG). Claims: 888-760-9195.
- Chubb InsurancecorePremier insurance carrier. Phone: 800-252-4670, Claims/Billing available.
- CNA Insurance CompaniescoreCommercial lines specialist. Phone: 800-262-2000, Claims: 877-262-2726.
- Deans & HomercoreInsurance carrier partner. Billing: 800-345-2054.
- Employers Insurance CompanycoreWorkers compensation specialist. Phone: 888-682-6671, Claims: 800-232-3085.
- Encompass InsurancecorePersonal insurance carrier. Phone: 800-588-7400.
- Everest GroupcoreReinsurance and insurance provider. Claims: 866-287-1736.
- Financial Pacific Insurance CompanycoreInsurance carrier. Phone: 800-371-8067.
- First American Property & Casualty GroupcoreProperty and casualty insurance. Phone: 888-922-5343.
- Foremost InsurancecoreSpecialty insurance carrier. Phone: 800-527-3905.
- Geovera InsurancecoreSpecialty insurance provider. Phone: 800-324-6020.
- Great American InsurancecoreDiversified insurance carrier. Phone: 800-221-7274.
- Guard Insurance GroupcoreWorkers compensation specialist. Phone: 800-673-2465.
- GuideOnecoreInsurance carrier. Phone: 877-448-4331.
- Hagerty InsurancecoreClassic car insurance specialist.
- Hanover Insurance GroupcoreCommercial and personal lines carrier. Phone: 800-853-0456.
- Hartford InsurancecoreBusiness and personal insurance carrier. Phone: 860-547-5000.
- KempercoreProperty and casualty insurance. Claims: 866-860-9348.
- Liberty MutualcoreMajor insurance carrier. Phone: 888-398-8924.
- Lloyds InsurancecoreGlobal insurance market partner.
- Markel InsurancecoreSpecialty insurance carrier. Phone: 800-416-4364.
- Mercury Insurance GroupcorePersonal auto and property insurance. Phone: 800-503-3724.
- MetLifecoreGlobal insurance and benefits provider. Phone: 800-638-5433.
- Midwest Insurance CompanycoreInsurance carrier. Claims: 800-293-0616.
- NationwidecoreMajor insurance carrier. Phone: 877-669-6877.
- Nationwide Private ClientcoreHigh-value personal insurance. Phone: 855-473-6410.
- NavigatorscoreSpecialty insurance provider.
- Oregon MutualcoreRegional insurance carrier. Phone: 800-888-2141.
- PersonalUmbrella.comcoreUmbrella insurance specialist. Phone: 800-564-1799.
- Philadelphia Insurance CompaniescoreSpecialty commercial insurance. Phone: 877-438-7459.
- Preferred EmployerscoreWorkers compensation specialist. Phone: 888-472-9001.
- QBE/Farmers Union InsurancecoreFarm and agriculture insurance. Phone: 800-347-1961.
- Rain and Hail InsurancecoreAgricultural insurance specialist. Phone: 800-338-7630.
- Republic IndemnitycoreWorkers compensation carrier. Phone: 888-336-7569.
- Sequoia Insurance CompanycoreRegional insurance carrier. Phone: 888-704-1384.
- Topa Insurance CompanycoreProperty and casualty insurance. Phone: 800-949-6505.
- Travelers InsurancecoreMajor commercial and personal carrier. Phone: 800-842-5075.
- UnigardcoreRegional insurance carrier. Phone: 800-777-1757.
- Victoria InsurancecoreInsurance carrier. Phone: 800-888-8424.
- Zenith Insurance CompanycoreWorkers compensation specialist. Phone: 800-440-5020.
- Zurich InsurancecoreGlobal insurance carrier. Phone: 800-382-2150.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
M3 Monagan Miller McCreary Insurance Agency competitors and assessment
Company assessmentDirect peers
- SterlingRisk: Independent insurance brokerage providing personal and commercial coverage with a multi-carrier approach similar to M3, including specialty commercial niches and risk management services.
- Higginbotham: Independent insurance brokerage founded on multi-carrier access and personal service, comparable to M3. Offers personal, commercial, employee benefits and surety, with similar community-rooted positioning across the South and Southwest.
- Leavitt Group: Large independent insurance agency network with a similar 'access to multiple carriers, relationship-led' model. Operates many regional offices across the Western U.S., comparable in product breadth (personal, commercial, benefits, surety) and service philosophy to M3.
- AssuredPartners: National independent insurance brokerage built through acquisition of regional independent agencies. Operates with the same multi-carrier, relationship-led model as M3 but at materially larger scale.
- Insurance Office of America (IOA): Large independent agency offering personal, commercial, and employee benefits through multiple carrier partners. Comparable business model to M3 — independent, multi-carrier, relationship-led — at a larger scale.
Broad incumbents
- Marsh McLennan Agency: Middle-market arm of Marsh McLennan, focused on commercial insurance, employee benefits and risk advisory. Overlaps with M3's commercial lines book but serves larger accounts and is part of a global brokerage.
- Brown & Brown: National insurance brokerage built largely through acquiring independent agencies like M3. Competes for similar commercial and personal-lines clients across multiple U.S. regions.
- HUB International: Large multi-line insurance brokerage offering personal, commercial, benefits and risk services through regional offices. Competes with M3 for commercial accounts and local personal-lines clients but operates at national scale.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a strong middle-market and commercial practice. Overlaps with M3's commercial-lines and specialty verticals at larger account sizes.
Others
- RPS (Risk Placement Services): Wholesale insurance distributor and managing general agent that supplies specialty products to retail agents like M3. Functions as an upstream channel partner rather than a direct retail competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
M3 Monagan Miller McCreary Insurance Agency social profiles
Digital presenceM3 Monagan Miller McCreary Insurance Agency financial estimates
Financial estimateRevenue estimate
Valuation estimate
M3 Monagan Miller McCreary Insurance Agency leadership team
Management profileNumber of profiles
Profiles6 records
M3 Monagan Miller McCreary Insurance Agency funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
M3 Monagan Miller McCreary Insurance Agency 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 M3 Monagan Miller McCreary Insurance Agency
What does M3 Monagan Miller McCreary Insurance Agency do?
M3 Monagan Miller McCreary Insurance Agency is an independent insurance brokerage that sells personal and business insurance policies on behalf of more than 40 national and regional carriers. Licensed advisors consult with individuals, families, and businesses to assess risk and match coverage needs across auto, home, life, specialty vehicles, commercial property, workers' compensation, general/professional liability, cyber, and many industry-specific lines. Revenue is generated through new-policy and renewal commissions paid by carrier partners.
Is M3 Monagan Miller McCreary Insurance Agency a public or private company?
M3 Monagan Miller McCreary Insurance Agency is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was M3 Monagan Miller McCreary Insurance Agency founded?
M3 Monagan Miller McCreary Insurance Agency was founded in 1960. It employs 11 to 50 people.
Where is M3 Monagan Miller McCreary Insurance Agency based?
M3 Monagan Miller McCreary Insurance Agency is headquartered in Tracy, United States, in the North America region.
How does M3 Monagan Miller McCreary Insurance Agency make money?
One revenue line is on record: insurance Commissions.
Who are M3 Monagan Miller McCreary Insurance Agency's main competitors?
Direct peers on record are SterlingRisk, Higginbotham, Leavitt Group, AssuredPartners and Insurance Office of America (IOA). Broad incumbents are Marsh McLennan Agency, Brown & Brown, HUB International and Arthur J. Gallagher & Co.. RPS (Risk Placement Services) is listed as an others.
Does M3 Monagan Miller McCreary Insurance Agency have an API?
No public API is recorded for M3 Monagan Miller McCreary Insurance Agency.