Morris & Garritano
Morris & Garritano is a California-based, privately held insurance brokerage founded in 1885, providing Property & Casualty, Employee Benefits, and Personal Lines coverage to mid-market commercial clients in construction, hospitality, manufacturing, residential care, and wine/agribusiness.
- Company typePrivate
- Founded1885
- HeadquartersSan Luis Obispo, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Morris & Garritano does
Morris & Garritano Insurance Agency, Inc. is a privately held insurance brokerage founded in 1885 and headquartered in San Luis Obispo, California, with a regional office in Irvine. The firm operates across three primary lines: Property & Casualty, Employee Benefits, and Personal Lines, serving mid-market and enterprise commercial clients in verticalized industries—construction, hospitality, manufacturing, residential care/social services, and wine/agribusiness—with a particularly deep concentration in California, supported by a hybrid workforce that spans 12 U.S. states.
The company makes money primarily through commissions paid by insurance carriers on premiums placed across multiple carrier appointments, with secondary revenue from securities distribution through a partnership with Cambridge Investment Research. Distribution is direct-to-client via licensed risk advisors and account managers, with product offerings covering commercial insurance, workers' compensation (including Xmod recalculation advocacy that has returned over $100,000 annually to clients), surety/bonding, employee benefits, and personal lines. There is no proprietary technology platform as a core differentiator; supporting tools include Employee Navigator for benefits administration, an Applied Pay payment portal, and a self-service client center, treated as operational utilities rather than strategic moats.
The firm has earned national recognition—#97 on Business Insurance's 2026 Top 100 U.S. Brokers, #95 on The Hales Report Top 100 U.S. Agents & Brokers, and Silver in Insurance Journal's 2025 Best Agencies to Work For—reflecting its scale within the independent agency channel and its emphasis on workplace culture. Leadership remains family-led (CEO Brendan Morris, COO Kerry Morris), with no disclosed private equity backing, venture investment, or acquisition activity, operating an organically grown book focused on California commercial accounts.
Morris & Garritano firmographics
Firmographics- Name
- Morris & Garritano
- Legal name
- Morris & Garritano Insurance Agency, Inc.
- Website
- https://morrisgarritano.com
- Company type
- Private
- Founded year
- 1885
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Morris & Garritano is a California-based, privately held insurance brokerage founded in 1885, providing Property & Casualty, Employee Benefits, and Personal Lines coverage to mid-market commercial clients in construction, hospitality, manufacturing, residential care, and wine/agribusiness.
- Ownership category
- akta.pro rank
Morris & Garritano industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
- akta.pro secondary industries
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)
Keywords
Where Morris & Garritano is headquartered
LocationHeadquarters
- HQ city
- San Luis Obispo
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Morris & Garritano business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Brokerage Commissions: Morris & Garritano generates revenue primarily through commissions paid by insurance carriers for placing business. As a licensed insurance broker, the company is appointed with multiple insurance carriers and earns commissions based on premium volumes placed. The company also offers securities through Cambridge Investment Research, indicating additional revenue from financial services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Insurance brokerage services - commission-based model |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Morris & Garritano product offering
Product offeringCore offering
Morris & Garritano is an independent insurance brokerage that places Property & Casualty, Employee Benefits, and Personal Lines coverage for businesses and individuals through appointments with multiple insurance carriers. The firm provides risk advisory, claims advocacy (including workers' compensation experience modification review), surety and bonding, benefits administration, and Medicare guidance, earning revenue primarily through carrier commissions.
Product overview
Morris & Garritano is an insurance brokerage firm providing Property & Casualty, Employee Benefits, and Personal Insurance services. The company operates as a multi-service insurance agency rather than a technology platform. Its core offerings include Property & Casualty insurance (with sub-services for safety & risk control, workers' compensation claims analysis, P&C claims advocacy, surety & bonding, and HR services), Employee Benefits (with compliance, benefits administration technology, employee advocacy, critical case management, and Medicare services), and Personal Insurance (including private client services). The company also provides online client self-service capabilities for payments and policy management.
Differentiator
Problem solved
Functional benefit
Products and services
- Property & Casualty Insurance
Quantifiable outcome
- Over $100,000 returned to clients each year from experience modification recalculations
- +1 more outcomes
Companies that use Morris & Garritano
Customer profileNamed customers3 records
Segments7 records
Ideal customer profiles6 records
Morris & Garritano technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Morris & Garritano partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights5 records
Morris & Garritano competitors and assessment
Company assessmentDirect peers
- Woodruff-Sawyer & Co. San Francisco Bay Area-based independent insurance brokerage founded in 1917. Comparable as a California-anchored, mid-sized independent brokerage offering commercial, personal, and employee benefits coverage with similar vertical expertise.
- Heffernan Insurance Brokers: Walnut Creek, CA-based independent insurance brokerage serving commercial and personal lines clients across the West Coast. Comparable in size, California concentration, and multi-line brokerage model.
- Keenan & Associates: California-based independent insurance brokerage and consulting firm with strong public-sector and commercial clients. Comparable as a regional California multi-line brokerage focused on employee benefits and risk management.
- George Petersen Insurance Agency: Santa Rosa, CA-based independent insurance agency serving Northern California businesses and individuals since 1935. Comparable as a long-standing California-rooted independent agency with multi-line offerings.
- Wraith, Scarlett & Randolph Insurance Brokers: Northern California-based independent insurance brokerage offering commercial, personal, and employee benefits services. Comparable as a similarly-sized, regionally focused California brokerage.
Broad incumbents
- Alliant Insurance Services: Large national insurance brokerage with strong California presence and broad specialty expertise. Comparable in product offering but operates at significantly greater scale with national footprint.
- Brown & Riding Insurance Services: Specialty wholesale insurance brokerage focused on excess & surplus lines and complex risk placements. Comparable in serving specialty commercial risks but operates as a wholesale broker rather than retail.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm. Comparable in product offering and target market but operates at vastly greater scale with international footprint.
- USI Insurance Services: Large national insurance brokerage serving commercial, personal, and employee benefits clients. Comparable in mid-market commercial focus and employee benefits practice but with much broader geographic reach.
Emerging players
- Next Insurance: Digital-first commercial insurance provider focused on small businesses including contractors. Comparable as an emerging competitor targeting the same construction and SMB verticals that M&G serves, but via a direct/digital model that bypasses traditional broker commissions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Morris & Garritano social profiles
Digital presenceMorris & Garritano financial estimates
Financial estimateRevenue estimate
Valuation estimate
Morris & Garritano leadership team
Management profileNumber of profiles
Profiles10 records
Morris & Garritano funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Morris & Garritano 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 Morris & Garritano
What does Morris & Garritano do?
Morris & Garritano is an independent insurance brokerage that places Property & Casualty, Employee Benefits, and Personal Lines coverage for businesses and individuals through appointments with multiple insurance carriers. The firm provides risk advisory, claims advocacy (including workers' compensation experience modification review), surety and bonding, benefits administration, and Medicare guidance, earning revenue primarily through carrier commissions.
Is Morris & Garritano a public or private company?
Morris & Garritano is a private company. It is classified as family owned and is currently operating.
When was Morris & Garritano founded?
Morris & Garritano was founded in 1885. It employs 101 to 250 people.
Where is Morris & Garritano based?
Morris & Garritano is headquartered in San Luis Obispo, United States, in the North America region.
How does Morris & Garritano make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Morris & Garritano's main competitors?
Direct peers on record are Woodruff-Sawyer & Co., Heffernan Insurance Brokers, Keenan & Associates, George Petersen Insurance Agency and Wraith, Scarlett & Randolph Insurance Brokers. Broad incumbents are Alliant Insurance Services, Brown & Riding Insurance Services, Arthur J. Gallagher & Co. and USI Insurance Services. Next Insurance is listed as an emerging player.
Does Morris & Garritano have an API?
No public API is recorded for Morris & Garritano.
What industry is Morris & Garritano in?
Morris & Garritano's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines), with a secondary code of FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 5242 and its SIC code is 6411.