Acumen Solutions

What Acumen Solutions does

Acumen Solutions Group LLC is a U.S. insurance brokerage and business solutions provider headquartered in Melville, New York, operating as a subsidiary of Marsh & McLennan Agency. The firm delivers commercial and personal insurance products — including general liability, professional liability, cyber liability, D&O, workers compensation, health and benefits, life, and voluntary benefits — alongside specialized industry programs for construction, real estate, receivables management (ARM), small business, aviation, transportation, franchise systems, and SPACs. Its primary vertical is the receivables management industry, where it built the industry's first E&O / Professional Liability program purpose-built for debt buyers, collection agencies, and collection law firms, complemented by licensing management, compliance consulting, and authorized RMA/DBA certification audits.

The company makes money primarily through insurance brokerage commissions from hundreds of carrier relationships, supplemented by professional-services fees for licensing management, compliance work, and certification audits. Pricing is coverage-specific and not publicly disclosed; one disclosed benchmark is franchise insurance at approximately $350 per month for $1,000,000 in coverage, billed monthly. Go-to-market is sales-led, with dedicated industry specialists (e.g., a transportation division with 55+ years of team experience) supported by direct website/phone/email channels, content marketing, exclusive program partnerships (e.g., the SubOut Charter Bus program with Research Underwriters), and industry-association affiliations with DBA International, RMA, ACA International, and NARCA.

Acumen's underlying technology stack centers on a custom online licensing management platform that handles collection-agency license applications, statutory bonds, registered agents, and renewal management across all U.S. jurisdictions and territories. The firm also benefits from parent-company scale through Marsh & McLennan Agency, with team partners servicing over $2.8 billion in annual premium across 60,000+ employer groups and 600,000+ covered lives. A notable enterprise reference is The Trump Organization, whose testimonial is featured for complex cyber and multi-line coverage work.

Name

Acumen Solutions

Legal name

Acumen Solutions Group LLC

Website

https://acumenins.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Acumen Solutions Group is a U.S. insurance brokerage and business solutions subsidiary of Marsh & McLennan Agency, providing commercial and personal insurance, licensing management, and compliance services to niche verticals including receivables management, transportation, aviation, franchise, and SPACs.

Ownership category

akta.pro rank

Headquarters

HQ city

Melville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Acumen Solutions Group earns commissions from insurance carriers for placing business. They work with hundreds of carriers to provide competitive pricing and comprehensive coverage options.
2. Licensing Management Services: Professional services for collection agencies, debt buyers and law firms including license applications, statutory bonds, registered agents, and renewal management.
3. Compliance and Auditing Services: Compliance consulting, certification audits for RMA certification, and CFPB pre-audits for receivables management firms.
4. Benefits Administration Services: Health insurance and benefits administration services including benefits counseling, online enrollment technology, and HR compliance support.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Acumen Solutions Group is a full-service insurance brokerage and business solutions provider offering commercial and personal insurance products across multiple industry verticals including construction, real estate, receivables management (ARM), aviation, transportation, franchise, and SPAC sectors. The company places coverage with 100+ insurance carriers, develops proprietary industry-specific programs (notably the first E&O/Professional Liability program for the ARM industry), and provides ancillary compliance services such as licensing management, certification audits, and CFPB pre-audits.

Product overview

Acumen Solutions Group is a full-service insurance brokerage providing a diversified mix of insurance products and services. The company offers a comprehensive portfolio of commercial and personal insurance products including General Liability, Professional Liability, Cyber Liability, Health Insurance & Benefits, Workers Compensation, Life Insurance, and Personal Insurance lines. The company also provides specialized industry-specific programs for Construction, Real Estate, Receivables Management (ARM industry), Small Business, Aviation, Transportation, Franchise, and SPAC sectors. Within the Receivables Management vertical, Acumen offers bundled services including proprietary insurance programs, licensing management, compliance solutions, and certification audits. All products can be offered independently or built into customizable coverage programs to provide comprehensive protection at competitive pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• General Liability Insurance Coverage to protect businesses from claims including bodily injury, property damage, personal injury and other claims that arise from business operations.
• Professional Liability Insurance Coverage for damages arising from the rendering of, or failure to render professional services; also known as professional indemnity insurance.
• Cyber Liability Insurance Coverage for the risks associated with storing and managing digital consumer information, data security and data breaches.
• Health Insurance & Benefits Coverage for employees and their families including dental, vision, pharmacy options and comprehensive benefits administration.
• Crime Liability Insurance Coverage against crimes against business including theft of merchandise, supplies, raw materials, finished products, employee dishonesty, and digital fraud.
• Directors & Officers (D&O) Insurance Policy providing comprehensive coverage for wrongful acts such as error, omission, misleading statement, or neglect of a director or officer.
• Employment Practices Liability Insurance Coverage for risks due to employment-related lawsuits including wrongful termination, discrimination, and sexual harassment.
• Workers Compensation Insurance Benefits available to employees who are unable to work due to a work-related accident or illness, covering wage replacement and medical expenses.
• Life Insurance Whole life and term policies for family and corporate benefit including business succession planning.
• Voluntary Benefits Employer-sponsored benefit programs including accident insurance, critical illness insurance, disability insurance, and life insurance through payroll deduction.
• Personal Insurance Customizable personal insurance policies covering homes, cars, extended health coverage, life insurance, umbrella policies, and high net worth coverage.
• Homeowners Insurance Protection for homes from fire, storm damage, theft and other disasters along with personal belongings and liability coverage.
• Automotive Insurance Coverage options including liability limits, deductibles, replacement cost options, uninsured motorist coverage, and full glass coverage.
• Collection Agency Insurance Programs Proprietary Errors & Omissions/Professional Liability programs specifically designed for debt buyers, collection agencies and law firms in the ARM industry - first of its kind.
• Licensing Management Management of collection agency licensing including license applications, statutory bonds, registered agents, and resident managers across all US jurisdictions, powered by a custom online interface.
• Compliance Solutions Accounts receivable management compliance services including assistance with Receivables Management Association Certification and CFPB examination preparation.
• Certification Audits Authorized audit services for RMA certification and CFPB regulatory pre-audits for collection agencies and debt buyers.
• Construction Insurance Customized insurance programs for construction and development firms including general liability, workers compensation, employment practices liability, and Builder's Risk Coverage.
• Real Estate Insurance Insurance coverage for real estate investors and managers including property insurance, mold exposure, fire dangers and liability management.
• Small Business Insurance Specialized mix of risk coverage to meet the complex needs of small businesses while containing costs.
• Aviation Insurance All forms of aviation and aviation-related insurance services including coverage for Cessna, Gulfstream, FBOs, airports, and hangar keepers.
• Transportation Insurance Transportation industry coverage including auto liability, physical damage, dedicated account management, and group captive insurance plans with over 55 years of team experience.
• Franchise Insurance Custom insurance solutions for franchise systems including franchisor liability, franchisee liability, workers comp, and food/QSR brand programs, with $1M coverage starting at $350/month.
• SPAC D&O Insurance Directors and Officers coverage for Special Purpose Acquisition Companies through IPO, business combination and de-SPAC phases.

Named customers1 record

Segments9 records

Ideal customer profiles9 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Nine partnerships are on record, tiered parent company, core partnership, industry partner and product partner.

• Marsh & McLennan Agencyparent companyOthersMarsh & McLennan Agency is the parent company of Acumen Solutions Group. The copyright notice appears throughout the website indicating this corporate relationship. Marsh & McLennan Agency is a leading global professional services firm in the areas of risk, strategy, and people.
• Research Underwriterscore partnershipStrategic or Co-development PartnerResearch Underwriters partnered with Acumen Solutions Group to offer an exclusive Charter Bus Insurance Program available exclusively to members of SubOut. The program provides coverage through an A.M. Best A Rated Carrier with claims handled by dedicated transportation industry experts.
• SubOutcore partnershipChannel Partner/ Reseller/ DistributorSubOut is a platform whose members have access to the exclusive Charter Bus Insurance Program offered through the Research Underwriters and Acumen Solutions Group partnership. The program covers auto liability and physical damage through an A-rated carrier.
• DBA International (Debt Buyers Association)industry partnerStrategic or Co-development PartnerAcumen Solutions Group has been recognized by DBA International as an 'Authorized Audit Provider'. This designation allows Acumen to provide certification audits for debt buyers required for RMA Certification every 2 years.
• Receivables Management Association (RMA)industry partnerStrategic or Co-development PartnerReceivables Management Association Certified Debt Buyers require audits by an Authorized Audit Provider every 2 years to validate compliance with certification standards. Acumen Solutions Group is one of the first authorized audit providers for RMA certification audits. Acumen also works with RMA to help debt buyers navigate available coverages.
• ACA Internationalindustry partnerStrategic or Co-development PartnerACA International (Association of Credit and Collection Professionals) is referenced as a partner organization. Acumen Solutions Group is recognized as an authorized auditor for industry trade organizations and their compliance certification programs.
• NARCAindustry partnerStrategic or Co-development PartnerNARCA (NARCA International) is referenced as a partner organization. Acumen Solutions Group is recognized as an authorized auditor for industry trade organizations and their compliance certification programs.
• Colonial Lifeproduct partnerChannel Partner/ Reseller/ DistributorColonial Life is referenced as a voluntary benefits partner offering Accident Insurance, Critical Illness Insurance, Disability Insurance, and Life Insurance products available through Acumen Benefits Group.
• 100+ Insurance Carrierscore partnershipChannel Partner/ Reseller/ DistributorAcumen works with hundreds of insurance carriers to provide the best coverage at the best possible price. The company has strong relationships with top carriers in the industry enabling access to all types of insurance products and competitive pricing for clients.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Lockton Companies: World's largest independent insurance brokerage with strong specialty programs in aviation, transportation, real estate, and franchise verticals — all of which overlap with Acumen's industry coverage.
• USI Insurance Services: Top-10 U.S. insurance brokerage with deep mid-market and specialty practice groups across construction, transportation, real estate, and benefits. Competes directly with Acumen in many of the same verticals.
• Worldwide Facilities: National wholesale insurance broker focused on specialty and E&S lines with industry-specific practice groups. Comparable to Acumen's verticalized specialty brokerage model.
• Marsh & McLennan Agency: Parent company of Acumen Solutions Group and one of the largest U.S. insurance brokerage platforms. Operates broadly across commercial insurance, employee benefits, and risk management with overlapping product lines (GL, professional liability, cyber, D&O, benefits) to similar mid-market and specialty clients.
• RPS (Risk Placement Services): Large specialty insurance wholesale and binding platform with deep expertise in niche verticals. Operates proprietary programs and leverages broad carrier access, mirroring Acumen's specialty-program distribution strategy.

Direct peers

• Brown & Riding Insurance Services: Specialty insurance brokerage focused on niche industries and excess & surplus lines, with proprietary programs for underserved verticals. Comparable to Acumen's model of building industry-specific programs for hard-to-place risks.
• Burns & Wilcox: Specialty insurance wholesaler and brokerage operating across niche verticals with proprietary programs and deep carrier relationships. Comparable to Acumen's specialty-vertical distribution model and emphasis on custom coverage design.
• Graham Company: Specialty insurance brokerage with deep expertise in construction, real estate, transportation, and other niche industries, offering proprietary programs. Directly comparable to Acumen's industry-verticalized specialty distribution approach.

Regional players

• Higginbotham: Texas-based mid-market insurance and benefits brokerage with industry-specialized practice groups. Comparable in size and vertical mix to Acumen and increasingly expanding into national accounts.
• Heffernan Insurance Brokers: West Coast-focused mid-market insurance brokerage with industry-specific practice areas and benefits administration. Comparable mid-sized specialty broker model with similar product breadth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/acumensg
• LinkedInlinkedin.com/company/acumen-insurance-services

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 Acumen Solutions