McClone

What McClone does

McClone is a privately held, family-owned insurance brokerage and risk advisory firm headquartered in Menasha, Wisconsin. Founded in 1949 and operating across five regional offices (Menasha, Madison, Milwaukee/Brookfield, Sheboygan, and Fond du Lac), the firm serves mid-to-large Wisconsin employer groups with a five-product portfolio: business insurance, employee benefits, personal insurance, HR outsourcing (delivered through the wholly owned McCloneHR Consulting subsidiary), and retirement plan services. Its underwriting and broker relationships span 21 countries through international partnerships, and its primary client base is mid-market and enterprise Wisconsin employers seeking integrated risk management, benefits administration, and HR consulting support rather than transactional coverage.

Revenue is generated primarily through insurance brokerage commissions on placed commercial and personal policies, ongoing McCloneHR Consulting service fees, and management/advisory fees on retirement plans, all delivered under multi-year, consultative contracts. The go-to-market is sales-led and relationship-driven, anchored by a diagnostic-first "Experience The McClone Model" sales process in which prospects engage in a 60-minute consultative conversation before any contractual commitment. The firm's stated differentiator is RiskMAP, a proprietary four-stage systematic risk management methodology (Identify Risk, Develop Strategy, Implement Solutions, Monitor Results) designed to translate fragmented client inputs into measured, ongoing outcomes; this framework is positioned in opposition to the industry "copy-quote-pray" status quo. Distribution is exclusively direct, through field sales advisors across the five Wisconsin offices, supported by a content-heavy marketing engine (Refreshing Insights blog, Learning Center library, industry-vertical content across twelve named verticals). McClone is ranked in the top 1% of U.S. insurance brokers and reports a 95% client retention rate.

Name

McClone

Legal name

McClone Agency, Inc.

Website

https://mcclone.com

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

101–250 employees

Short description

McClone is a privately held, family-owned insurance brokerage and risk advisory firm headquartered in Menasha, Wisconsin, serving mid-to-large employers with business insurance, employee benefits, HR outsourcing, retirement plans, and personal insurance through its proprietary RiskMAP methodology.

Ownership category

akta.pro rank

Headquarters

HQ city

Menasha

HQ country

United States

HQ region

North America

Offices5 records

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: As an insurance broker, McClone earns commissions from insurance carriers for placing business insurance, employee benefits, and personal insurance policies.
2. HR Consulting Services: McCloneHR Consulting provides outsourced HR services including payroll processing, benefits administration, compliance consulting, and strategic HR support. Revenue generated through service fees for ongoing consulting engagements.
3. Retirement Plan Services: Management and advisory fees for retirement plan administration and fiduciary services.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

McClone is an insurance brokerage and risk advisory firm that places business insurance, employee benefits, personal insurance, and retirement plans with carrier partners, while delivering outsourced HR consulting services. Its work is unified by RiskMAP, a proprietary four-stage risk management methodology that identifies exposures, develops strategy, implements solutions, and monitors results. The firm serves mid-to-large businesses, employer groups, and high-net-worth individuals across Wisconsin and internationally through 21-country partnerships.

Product overview

McClone is an insurance brokerage and risk advisory firm offering a unified portfolio of five core service products: Business Insurance, Employee Benefits, Personal Insurance, HR Outsourcing (via McCloneHR Consulting), and Retirement Plans. These services are unified under the McClone Model and supported by RiskMAP, a proprietary systematic risk management methodology that guides clients through four stages: Identify Risk, Develop Strategy, Implement Solutions, and Monitor Results. The company positions itself as a strategic partner delivering proactive, transparent, and measurable risk management outcomes rather than transactional insurance sales.

Differentiator

Problem solved

Functional benefit

Brands

• RiskMAP: A diagnostic-first risk management methodology that systematically identifies client exposures, develops targeted strategies, implements solutions, and monitors results.

Products and services

• Business Insurance Commercial insurance brokerage for mid-to-large organizations covering property, commercial auto, workers' compensation, general liability, umbrella, cyber liability, and business interruption, with proactive risk identification and ongoing monitoring.
• Employee Benefits Group benefits brokerage and consulting including health insurance, wellness programs, benefits communication strategies, and pharmacy/prescription cost management designed to control costs, ensure compliance, and improve employee outcomes.
• Personal Insurance Personal lines insurance for individuals and families, bundling home, auto, Medicare, and other personal asset protection products to safeguard lifestyle and future at every life stage.
• HR Outsourcing (McCloneHR Consulting) Outsourced HR services (McCloneHR Consulting) covering payroll processing, people management, compliance, recruiting, employee handbooks, policy development, wellness programs, and organizational development, delivered as ongoing managed engagements.
• Retirement Plans Retirement plan administration and fiduciary services for employers, including 401(k) and other retirement vehicles, with the goal of streamlining administration, reducing fiduciary risk, and improving employee retirement readiness.
• RiskMAP Risk Management Action Plan, a proprietary client-first methodology that systematically identifies exposures, develops targeted strategies, implements solutions, and continuously monitors results, used to underpin all of McClone's service lines.

Quantifiable outcome

• 31.9% healthcare cost reduction, 32.7% prescription spend reduction, 300% employee engagement increase
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Holmes Murphy: Holmes Murphy is a Midwest-based (Iowa) insurance brokerage offering commercial insurance, employee benefits, and risk management to mid-market employers. Comparable in size, multi-line offering, and consultative sales approach to McClone.
• M3 Insurance: M3 Insurance is a Wisconsin-based insurance brokerage and risk management firm with comparable scale, multi-service offerings (commercial insurance, benefits, HR consulting, retirement), and a similar mid-market client focus. It is the closest direct geographic and service-line peer to McClone in the Wisconsin market.
• Higginbotham: Higginbotham is a Texas-based multi-line insurance brokerage serving mid-market commercial clients across the central US with commercial insurance, employee benefits, and HR solutions. Comparable in size, mid-market focus, and consultative risk advisory positioning.
• Cottingham & Butler: Cottingham & Butler is a Midwest-focused insurance brokerage and risk management firm serving mid-market commercial clients with similar product breadth including commercial P&C, benefits, and risk advisory services. Comparable in scale and operating geography to McClone.

Broad incumbents

• Brown & Brown: Brown & Brown is a national insurance brokerage offering commercial P&C, employee benefits, and risk management across all 50 states. It competes with McClone for mid-market Wisconsin accounts and represents the scaled, publicly-traded peer McClone faces most directly.
• Aon: Aon is a global professional services firm offering insurance brokerage, reinsurance, risk management, and HR consulting to commercial clients. Comparable service breadth to McClone (especially via the Hewitt benefits practice) but vastly larger scale and international footprint.
• USI Insurance Services: USI is a national insurance brokerage and consulting firm offering commercial insurance, employee benefits, retirement, and risk management to mid-market and larger clients. Comparable in service breadth but operates at substantially greater scale than McClone.
• Marsh McLennan: Marsh McLennan is the world's largest insurance brokerage and risk advisory firm, serving commercial clients across all lines including P&C, employee benefits, and risk consulting. It is the upper-bound incumbent that competes with McClone for larger Wisconsin accounts.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management services firm with comprehensive commercial P&C, benefits, and consulting offerings. Competes with McClone for Wisconsin mid-market accounts while operating at vastly greater scale and geographic reach.
• AssuredPartners: AssuredPartners is a growing national insurance brokerage focused on middle-market commercial clients across P&C, employee benefits, and personal lines. Its roll-up strategy and target client profile position it as a direct competitor to McClone in the Wisconsin mid-market segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/McClone_Risk

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 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 McClone