What Atlas Insurance Agency does

Atlas Insurance Agency is a Hawaii-domiciled insurance brokerage and wholly-owned subsidiary of Marsh & McLennan Agency LLC, which itself is part of Marsh McLennan (NYSE: MMC). Founded in 1929-1930, Atlas operates as Hawaii's largest insurance agency, distributing commercial and personal insurance products through seven offices spanning Oahu, Maui County, the Big Island, and Kauai. Its product portfolio spans commercial auto, business owner's policies, commercial casualty (cyber, D&O, EPLI, E&O, general liability, workers' compensation), commercial property (including hurricane, flood, and builder's risk), surety bonds, employee benefits consulting (group health, dental, vision, life, self-funded plans), and personal lines (auto, homeowners with island-specific riders, umbrella, watercraft). The agency also serves 20+ industry verticals with specialized coverage and offers the MyATLAS Connection client portal for compliance, risk management, and HR administration.

The revenue model is commission-based: Atlas earns carrier commissions on placed policies across multiple carrier partnerships made accessible through its Marsh & McLennan Agency affiliation. Pricing is quote-based rather than publicly disclosed, with premiums driven by industry, exposure, location, and risk characteristics. Distribution is hybrid, combining field sales through local agents, inside sales via phone, self-service online quote requests, and an exclusive client portal — a multi-channel approach tailored to Hawaii's geographically dispersed island population and the local expertise required to underwrite island-specific perils (hurricane, flood, volcanic activity, earthquake). Geographic scope is intentionally limited to Hawaii.

Recent strategic activity centers on the 2025 acquisition by Marsh & McLennan Agency LLC, the launch of a dedicated Small Business Unit, expansion of self-funded benefits and risk/claims consulting services, and integration of the MyATLAS Connection ecosystem. Recognition includes Insurance Journal Top 100 P/C Agency, BBB Torch Award, and Best Places to Work. As a private subsidiary, Atlas does not publish standalone financials.

Name

Atlas Insurance Agency

Legal name

Atlas Insurance Agency, A Marsh & McLennan Agency LLC

Website

https://atlasinsurance.com

Company type

Private

Founded year

1930

Operating status

Operating

Headcount range

101–250 employees

Short description

Atlas Insurance Agency is Hawaii's largest insurance brokerage, distributing commercial and personal insurance through seven offices across Oahu, Maui, Big Island, and Kauai as a subsidiary of Marsh & McLennan Agency LLC.

Ownership category

akta.pro rank

Product category

Property & Casualty Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Umbrella Insurance (FSAJANAA)

akta.pro secondary industries

Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH), Personal Excess Liability (High-Net-Worth) (FSAJANAF), Vision Insurance (FSAIAHAB)

Keywords

• Commercial property insurance
• Personal auto insurance
• Employee benefits consulting
• Business owners policy
• Risk management services

Headquarters

HQ city

Honolulu

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Commissions: Atlas Insurance Agency earns commissions from insurance carriers for placing business and personal insurance policies. As a Marsh & McLennan Agency LLC company, they have access to multiple insurance carrier partnerships to match customers with appropriate coverage.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Atlas Insurance Agency distributes a broad portfolio of business and personal insurance products on behalf of multiple carrier partners across Hawaii, placing policies and earning commissions while delivering localized risk control and claims consulting. The firm serves small and mid-sized businesses with commercial auto, BOP, casualty, property, surety bonds, and employee benefits coverage, and serves individuals with auto, homeowners, umbrella, watercraft, and specialty riders.

Product overview

Atlas Insurance Agency, A Marsh & McLennan Agency LLC is Hawai'i's largest insurance agency with over 90 years of history, providing a comprehensive insurance platform with multiple product lines. The core offering includes Business Insurance (commercial auto, employee benefits consulting, BOP, casualty lines including cyber liability, D&O, EPLI, E&O, general liability, workers comp, commercial property, hurricane, flood, cargo, crime, business income, and surety bonds), Personal Insurance (auto, homeowners, private client, umbrella, watercraft), and Industry-Specific Coverage. The company also offers MyATLAS Connection, an exclusive client portal providing centralized tools for compliance, risk management, and HR administration.

Differentiator

Problem solved

Functional benefit

Products and services

• MyATLAS Connection Client Portal Exclusive client portal for Atlas Insurance customers providing centralized tools for compliance, risk management, HR functions, policy management, claims tracking, and workforce administration.
• Commercial Auto Insurance Coverage for business-use vehicles, including auto liability, no-fault, comprehensive, and collision coverage for cars, trucks, vans, and other commercial vehicles.
• Employee Benefits Consulting Advisory services helping organizations design and implement competitive employee benefits packages, drawing on 130+ years of combined consultant experience.
• Group Health, Dental & Vision Insurance Health, dental, and vision coverage for employer groups, including plans compliant with Hawaii's PrePaid Health Care Act and the Affordable Care Act.
• Group Life Insurance Term life insurance coverage for employee groups with no medical exam requirements and conversion options for departing employees.
• Self-Funded Insurance Self-insured health plans where employers pay claims directly from a dedicated fund, offering flexibility and potential cost savings for mid-sized and larger employers.
• Business Owner's Policy (BOP) Bundled insurance package for small to mid-sized businesses combining general liability, commercial property, and business interruption coverage into a single policy.
• Cyber Liability Insurance Protection against data breaches, ransomware attacks, social engineering losses, and malware incidents, covering litigation expenses, business interruption, and cyber extortion.
• Directors and Officers (D&O) Insurance Liability coverage protecting directors, officers, and senior leadership against personal losses from lawsuits alleging breach of fiduciary duty, mismanagement, or governance failures.
• Employment Practices Liability Insurance (EPLI) Coverage for claims alleging workplace rights violations including discrimination, harassment, wrongful termination, and emotional distress.
• Errors and Omissions (E&O) Insurance Professional liability protection for service-based businesses covering claims of negligence, inaccurate advice, misrepresentation, and breach of professional duty.
• General Liability Insurance Coverage protecting businesses against third-party claims for bodily injury, property damage, personal injury, advertising injury, and product-related liability.
• Workers' Compensation Insurance Mandatory coverage for workplace injuries and illnesses, paying medical expenses, replacing lost wages, and providing death benefits while protecting employers from related lawsuits.
• Commercial Property Insurance Coverage for physical business assets including buildings, inventory, furniture, equipment, and business records against losses from fire, windstorms, vandalism, and other covered perils.
• Builder's Risk Insurance Coverage protecting construction projects during construction or renovation, covering materials, fixtures, and equipment against fire, theft, vandalism, and other covered perils.
• Commercial Cargo Insurance Coverage for goods and freight in transit by land, sea, or air, protecting against losses from vehicular accidents, theft, weather events, and other perils.
• Commercial Crime Insurance Protection against financial losses from criminal acts including employee theft, embezzlement, forgery, computer fraud, robbery, and burglary.
• Commercial Flood Insurance Coverage for direct physical damage to buildings and contents caused by flooding, available through the National Flood Insurance Program and private insurers.
• Business Hurricane Insurance Coverage specifically for wind damage caused by hurricanes and tropical storms, filling gaps in standard commercial property policies that typically exclude hurricane wind damage.
• Business Income Insurance Coverage replacing lost revenue and paying continuing operating expenses when covered events force business operations to temporarily close, also known as business interruption insurance.
• Surety Bonds Contract guarantees between three parties ensuring work is completed as agreed, including license and permit bonds, contract bonds, and court bonds.
• Risk Control & Claims Management Consulting Advisory services helping businesses identify cost drivers, develop safety programs, manage insurance claims, and reduce total cost of risk through best practices and carrier coordination.
• Personal Insurance Individual and family insurance coverage including auto, homeowners with earthquake, flood, and hurricane riders, private client group, renters, umbrella, and watercraft insurance.
• Industry-Specific Insurance Programs Industry-specific insurance solutions tailored for more than 20 verticals including AOAO, architects & engineers, attorneys, auto dealers, construction, financial institutions, hospitality, manufacturing, medical, nonprofits, public officials, real estate, renewable energy, restaurants, retail, schools, technology, tour buses, and wholesalers.

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Marsh & McLennan Agency LLC (Parent Company)coreOthersAtlas Insurance Agency is a Marsh & McLennan Agency LLC company, providing access to national carrier relationships, resources, and the backing of a major global risk advisory firm while maintaining local Hawaii operations and expertise.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Insurance Associates, Inc. Hawaii-based independent insurance agency offering personal and commercial lines across the islands. Direct comparable to Atlas in Hawaii market presence and multi-line agency model.
• Aloha Insurance Services: Hawaii-located insurance agency serving individuals and businesses with property, casualty, and auto coverage. Comparable regional player with similar Hawaii-centric GTM.
• Dovetail Insurance: Independent insurance agency operating in Hawaii with multi-line personal and commercial offerings. Comparable mid-sized agency competing for similar local accounts.

Regional players

• Alexander & Baldwin: Hawaii-rooted diversified company with historical insurance operations. Comparable as a Hawaii-headquartered enterprise with insurance and risk-management adjacencies, though broader in scope.

Broad incumbents

• Brown & Riding Insurance Services: Large national wholesale insurance brokerage and specialty MGA. Comparable as a Marsh McLennan Agency peer with similar specialty/niche distribution focus.
• Hub International: Major North American insurance brokerage with broad personal, commercial, and employee benefits capabilities. Comparable as a large multi-line agency operating in similar product categories.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm ranked among the largest in the world. Comparable as a broad incumbent competing for Hawaii commercial and personal accounts.
• Lockton Companies: Largest independent insurance brokerage globally with strong commercial and employee benefits practices. Comparable broad incumbent with similar product breadth and benefits expertise.
• USI Insurance Services: Large national insurance brokerage serving middle-market clients with property/casualty, employee benefits, and retirement services. Comparable as a scaled mid-market-focused brokerage.

Emerging players

• Acrisure: Fast-growing insurance brokerage consolidator with significant Hawaii-relevant operations. Comparable as a multi-line agency employing aggressive M&A and carrier-relationship strategies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/atlasinsurancehawaii
• Facebookfacebook.com/atlashawaii
• LinkedInlinkedin.com/company/atlas-insurance-agency-inc-
• Instagraminstagram.com/atlasinsurancehawaii
• Xx.com/atlasinsurance1

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Atlas Insurance Agency