WHA Insurance

Name

WHA Insurance

Legal name

WHA Insurance

Website

https://whainsurance.com

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Risk Management Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

akta.pro secondary industries

Public Liability (Premises/Operations) (FSAJADAD), Professional Liability (E&O) (FSAJAGAC)

Keywords

• Insurance brokerage services
• Risk management consulting
• Commercial insurance products
• Workers compensation coverage
• Personal insurance solutions

Headquarters

HQ city

Eugene

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: WHA Insurance generates revenue as an insurance brokerage firm, earning commissions from insurance carriers for placing policies. They represent over 300 carriers and work with multiple insurance markets to find coverage for clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

WHA Insurance is a licensed insurance brokerage and risk management consulting firm that places commercial and personal insurance policies on behalf of 300+ carriers across 48 states. It sells bundled insurance programs across Business & Commercial lines, Workers' Compensation, Employee Benefits, and Personal Insurance, supported by 40+ licensed agents and specialists focused on 14 industries. The firm also delivers risk management consulting, claims support, safety training, and 24-hour emergency claims assistance.

Product overview

WHA Insurance is a full-service insurance agency offering a comprehensive portfolio of insurance and risk management products across business, commercial, and personal lines. The company's offerings span multiple product categories: Business & Commercial solutions (Bonds, Business Insurance, Construction, Farms & Ranches, Manufacturing, Public Entities, Transportation, and Tribal coverage); Workers' Compensation (Retrospective Rating Plans, Multi-State Policies, Group Discount Plans); Employee Benefits (Dental, Health, HRA-VEBA, Life, Vision, and TPA Services); and Personal Insurance (Automobile, Home, Rental, Recreational Vehicles, and Umbrella Policies). WHA operates as a licensed insurance brokerage representing over 300 carriers across all 50 states, with specialists trained in 14 specific industries serving both commercial and individual clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Surety Bonds (Contract, Commercial, Notary) Financial guarantee products including Contract Surety Bonds (Bid, Payment, Performance for construction), Commercial Surety Bonds (business bonds required by state law), and Notary Bonds (protecting the public from notary wrongdoing).
• Business Insurance (BOP, BAP, MOP) Business Owners Policies (BOP) bundling general liability and property for small/medium businesses; Business Auto Policies (BAP) for company vehicles; Manufacturers Output Policies (MOP) combining commercial property and inland marine coverages for manufacturers.
• Construction Insurance Insurance for contractors and construction companies including Builders Risk Insurance (property coverage for buildings under construction), Commercial Auto & Truck Insurance, and Construction Bonds (protecting against contractor default or financial loss).
• Farms & Ranches Insurance Coverage for farm and ranch owners with intertwined personal and business assets, including Crop Insurance (MPCI and Crop-Hail), Farm Equipment Insurance, Farm Liability Insurance, and Farm Auto Insurance.
• Manufacturing Insurance Coverage for manufacturing facilities including Manufacturers Output Coverage (all-risks property and inland marine), Product Liability Insurance, Equipment Breakdown Insurance, and Cyber Liability Insurance.
• Public Entity Risk Management Specialized coverage and consulting for public entities including Enterprise Risk Management, High Reliability Organization consulting, safety management system inspections, claims management, and contract management & training. Represents over 340 Public Entities throughout the Northwest.
• Transportation & Trucking Insurance Coverage for owner-operators and large trucking fleets including Commercial General & Auto Liability, Personal Injury Protection (PIP), Cargo Coverage, and Roadside Assistance. Recognized as a multiple-year True Blue Agency by Great West Casualty Company.
• Tribal Insurance Coverage for tribal governments, gaming operations, housing authorities, and tribal business operations including Tribal Casualty and Risk (general liability, auto liability, liquor liability, property damage, Tribal officials' E&O and fiduciary liability), Tribal Care (customizable health insurance with claims administration), and Tribal Housing Program (in partnership with Tribal First, backed by A-rated insurers).
• Workers' Compensation Insurance Workers' compensation coverage for employers including Retrospective Rating Plans (premiums adjusting based on actual losses), Multi-State Policies (for employees across state lines), and Group Discount Plans. Backed by claims management, safety committee support, and return to work assistance.
• Employee Benefits - Dental Insurance Dental insurance products including Dental PPO (contracted providers with limited out-of-network coverage), Dental HMO (prepaid in-network coverage), and Traditional Indemnity Dental (any dentist with reimbursement).
• Employee Benefits - Health Insurance Health insurance coverage for routine care to chronic illness treatment, available for individuals, families, and businesses.
• Employee Benefits - HRA-VEBA Health Reimbursement Arrangement where employers contribute to a Voluntary Employees' Beneficiary Association for tax-free medical expense payments.
• Employee Benefits - Life Insurance Life insurance options including Term Life (set duration with tax-free death benefit), Permanent Life (Whole Life and Universal Life options with lifelong protection and savings), and Group Life (employer-paid premiums for employees).
• Employee Benefits - TPA Services Third-Party Administration services including Claims Administration (processing and analysis with insurance companies), Premium Billing (billing and collection management for employers), and Consulting (working with all parties for optimal outcomes).
• Employee Benefits - Vision Insurance Vision insurance products including Vision PPO (select providers with higher out-of-network costs), Vision HMO (contracted doctors with no out-of-network coverage except emergencies), and Vision Indemnity (any provider with carrier reimbursement).
• Personal Insurance - Automobile Personal automobile coverage including Comprehensive Auto Insurance (accidents, fire, theft, third-party claims, with optional medical and car hire), Auto Liability Cover (third-party injury and property damage), and Personal Injury Protection (medical bills, lost wages, funeral costs regardless of fault).
• Personal Insurance - Home Homeowners insurance including Homeowners Insurance & Liability (residence losses and damages with liability coverage for home accidents), Mobile Home Insurance (manufactured and mobile homes), and Vacant/Under Construction Insurance (unoccupied homes and properties under construction).
• Personal Insurance - Rental/Contents Coverage for tenant personal property against fire, theft, vandalism, plumbing, and electrical malfunctions.
• Personal Insurance - Recreational Vehicles Coverage for recreational vehicles including Motorhome Insurance (accidents, injuries, unforeseen events), Off-Road Vehicle Insurance (snowmobiles, dirt bikes, golf carts, ATVs), and Marine Vehicle Insurance (boats, Jet Skis, Sea-Doos, WaveRunners).
• Personal Insurance - Umbrella Policies Extra personal liability protection in excess of regular homeowners, auto, or other personal insurance policies.

Quantifiable outcome

• Lowest loss ratios in the industry for workers' compensation clients

Named customers2 records

Segments9 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

13 partnerships are on record, tiered core.

• Tribal FirstcoreStrategic or Co-development PartnerIn partnership with Tribal First, WHA offers a comprehensive and flexible Tribal Housing Program backed by A-rated insurers, carefully designed to protect both legal sovereignty and physical/financial assets of tribal entities.
• SourcewellcoreChannel Partner/ Reseller/ DistributorWHA Insurance was awarded a contract through Sourcewell, a cooperative purchasing organization, allowing public entities to access WHA's insurance services through their cooperative purchasing program.
• SAIF CorporationcoreOthersWHA works with SAIF Corporation as a workers' compensation carrier partner.
• Great West Casualty CompanycoreOthersWHA has received multiple True Blue Agency recognitions from Great West Casualty Company, indicating a strong partnership in trucking insurance.
• Zurich InsurancecoreOthersWHA represents Zurich as a national insurance carrier partner.
• The HartfordcoreOthersWHA represents The Hartford as a national insurance carrier partner.
• Travelers InsurancecoreOthersWHA represents Travelers Insurance as a national carrier partner.
• Liberty NorthwestcoreOthersWHA represents Liberty Northwest as an insurance carrier partner.
• Alliant SpecialtycoreOthersWHA represents Alliant Specialty as a national carrier partner.
• SDAOcoreOthersWHA works with SDAO (Special Districts Association of Oregon) as a carrier partner for special districts.
• PACEcoreOthersWHA works with PACE as a carrier partner.
• Midwestern Insurance AlliancecoreOthersWHA represents Midwestern Insurance Alliance as a carrier partner.
• Empire PacificcoreOthersWHA represents Empire Pacific as a carrier partner.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown: Brown & Brown is a publicly traded insurance brokerage with diversified commercial, personal, and employee benefits practices. It represents an established, larger-scale competitor in many of the same niche verticals WHA serves, particularly in the Western U.S.
• Hub International: Hub International is a large, PE-backed insurance brokerage with broad multi-line capabilities across North America. It competes with WHA for mid-market commercial accounts and employee benefits business but at substantially greater scale and with deeper national carrier relationships.
• Acrisure: Acrisure is a fast-growing, PE-backed insurance brokerage that has consolidated hundreds of agencies and is investing heavily in technology and AI. Its roll-up strategy and aggressive M&A directly pressure independent regional brokers like WHA on both client wins and talent acquisition.
• Marsh McLennan: Marsh McLennan is the world's largest insurance brokerage and risk management firm, with extensive public entity, construction, and manufacturing practices. While far larger than WHA, it provides a top-tier benchmark for specialty brokerage economics and serves many of the same client categories.
• Arthur J. Gallagher & Co. Gallagher is one of the largest global insurance brokerages, with strong public entity, tribal, and commercial practices. It overlaps with WHA in several of the same niche verticals and represents a benchmark for what scaled-up specialty brokerage economics can look like.
• USI Insurance Services: USI is a large national insurance brokerage with deep expertise in commercial, employee benefits, and personal lines. Its specialty practice model and mid-market focus make it a relevant comparable for WHA's specialty positioning, though at significantly greater scale.

Direct peers

• The Partners Group: The Partners Group is a Pacific Northwest insurance and financial services brokerage of similar scale, focused on commercial, personal, and employee benefits lines. Its regional base in Oregon and Washington and comparable niche specializations make it a tight peer for assessing WHA's market position.
• Leavitt Group: Leavitt Group is a privately held, regionally anchored insurance brokerage with a comparable headcount and multi-state footprint. It shares WHA's model of operating through local offices with verticalized agents and represents many of the same regional and national carriers, making it one of the closest comparable brokerages in size and structure.
• Hylant: Hylant is a privately held, mid-size insurance brokerage with vertical specialization and multiple regional offices. Its commercial lines emphasis, employee benefits practice, and risk-management consulting capabilities closely mirror WHA's mix and operating model.
• PayneWest Insurance: PayneWest is a mid-size, privately held brokerage headquartered in the Pacific Northwest that serves commercial and personal clients across multiple states. Like WHA, it emphasizes vertical specialization, multi-carrier access, and employee benefits, making it a strong direct comparable for regional specialty brokerage economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights1 record

Customer concentration

• Xx.com/whainsurance
• Facebookfacebook.com/101723206560856
• LinkedInlinkedin.com/company/wha-insurance-risk-management

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 WHA Insurance