M3 Monagan Miller McCreary Insurance Agency

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.

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

Headquarters

HQ city

Tracy

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers9 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

46 partnerships are on record, tiered core.

• Ace Private Risk ServicescoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal insurance products. Claims: 800-945-7461, Billing: 800-444-6161.
• AllianzcoreChannel Partner/ Reseller/ DistributorGlobal insurance company partner. Claims: 312-224-3371, General: 312-224-3300.
• AmTrust North AmericacoreChannel Partner/ Reseller/ DistributorSmall business insurance carrier. Claims: 866-272-9267.
• Arrowhead General Insurance AgencycoreChannel Partner/ Reseller/ DistributorGeneral insurance agency partner. Phone: 800-669-1889.
• Berkshire Hathaway Inc.coreChannel Partner/ Reseller/ DistributorLarge insurance conglomerate partner.
• Chartis Insurance (AIG)coreChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier (AIG). Claims: 888-760-9195.
• Chubb InsurancecoreChannel Partner/ Reseller/ DistributorPremier insurance carrier. Phone: 800-252-4670, Claims/Billing available.
• CNA Insurance CompaniescoreChannel Partner/ Reseller/ DistributorCommercial lines specialist. Phone: 800-262-2000, Claims: 877-262-2726.
• Deans & HomercoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Billing: 800-345-2054.
• Employers Insurance CompanycoreChannel Partner/ Reseller/ DistributorWorkers compensation specialist. Phone: 888-682-6671, Claims: 800-232-3085.
• Encompass InsurancecoreChannel Partner/ Reseller/ DistributorPersonal insurance carrier. Phone: 800-588-7400.
• Everest GroupcoreChannel Partner/ Reseller/ DistributorReinsurance and insurance provider. Claims: 866-287-1736.
• Financial Pacific Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier. Phone: 800-371-8067.
• First American Property & Casualty GroupcoreChannel Partner/ Reseller/ DistributorProperty and casualty insurance. Phone: 888-922-5343.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier. Phone: 800-527-3905.
• Geovera InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty insurance provider. Phone: 800-324-6020.
• Great American InsurancecoreChannel Partner/ Reseller/ DistributorDiversified insurance carrier. Phone: 800-221-7274.
• Guard Insurance GroupcoreChannel Partner/ Reseller/ DistributorWorkers compensation specialist. Phone: 800-673-2465.
• GuideOnecoreChannel Partner/ Reseller/ DistributorInsurance carrier. Phone: 877-448-4331.
• Hagerty InsurancecoreChannel Partner/ Reseller/ DistributorClassic car insurance specialist.
• Hanover Insurance GroupcoreChannel Partner/ Reseller/ DistributorCommercial and personal lines carrier. Phone: 800-853-0456.
• Hartford InsurancecoreChannel Partner/ Reseller/ DistributorBusiness and personal insurance carrier. Phone: 860-547-5000.
• KempercoreChannel Partner/ Reseller/ DistributorProperty and casualty insurance. Claims: 866-860-9348.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier. Phone: 888-398-8924.
• Lloyds InsurancecoreChannel Partner/ Reseller/ DistributorGlobal insurance market partner.
• Markel InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier. Phone: 800-416-4364.
• Mercury Insurance GroupcoreChannel Partner/ Reseller/ DistributorPersonal auto and property insurance. Phone: 800-503-3724.
• MetLifecoreChannel Partner/ Reseller/ DistributorGlobal insurance and benefits provider. Phone: 800-638-5433.
• Midwest Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier. Claims: 800-293-0616.
• NationwidecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier. Phone: 877-669-6877.
• Nationwide Private ClientcoreChannel Partner/ Reseller/ DistributorHigh-value personal insurance. Phone: 855-473-6410.
• NavigatorscoreChannel Partner/ Reseller/ DistributorSpecialty insurance provider.
• Oregon MutualcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier. Phone: 800-888-2141.
• PersonalUmbrella.comcoreChannel Partner/ Reseller/ DistributorUmbrella insurance specialist. Phone: 800-564-1799.
• Philadelphia Insurance CompaniescoreChannel Partner/ Reseller/ DistributorSpecialty commercial insurance. Phone: 877-438-7459.
• Preferred EmployerscoreChannel Partner/ Reseller/ DistributorWorkers compensation specialist. Phone: 888-472-9001.
• QBE/Farmers Union InsurancecoreChannel Partner/ Reseller/ DistributorFarm and agriculture insurance. Phone: 800-347-1961.
• Rain and Hail InsurancecoreChannel Partner/ Reseller/ DistributorAgricultural insurance specialist. Phone: 800-338-7630.
• Republic IndemnitycoreChannel Partner/ Reseller/ DistributorWorkers compensation carrier. Phone: 888-336-7569.
• Sequoia Insurance CompanycoreChannel Partner/ Reseller/ DistributorRegional insurance carrier. Phone: 888-704-1384.
• Topa Insurance CompanycoreChannel Partner/ Reseller/ DistributorProperty and casualty insurance. Phone: 800-949-6505.
• Travelers InsurancecoreChannel Partner/ Reseller/ DistributorMajor commercial and personal carrier. Phone: 800-842-5075.
• UnigardcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier. Phone: 800-777-1757.
• Victoria InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier. Phone: 800-888-8424.
• Zenith Insurance CompanycoreChannel Partner/ Reseller/ DistributorWorkers compensation specialist. Phone: 800-440-5020.
• Zurich InsurancecoreChannel Partner/ Reseller/ DistributorGlobal insurance carrier. Phone: 800-382-2150.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct 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

• Xx.com/M3_Insurance
• YouTubeyoutube.com/channel/UCa3l42lfJcvNK7Q-JsINTCA
• Facebookfacebook.com/M3Insurance
• LinkedInlinkedin.com/company/m3-monagan-miller-mccreary-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 M3 Monagan Miller McCreary Insurance Agency