What Coastline Risk does

Coastline Risk, Inc. is a privately held specialty insurance brokerage founded in 2017 and headquartered at 85 B East Central St, Suite A, Natick, Massachusetts (the site meta title references Needham, MA, but the disclosed office address is in Natick). The firm designs and places layered commercial insurance programs for businesses in four core verticals — construction, real estate, transportation, and hospitality — whose risk profiles (subcontractor liability, fleet and cargo exposure, liquor liability, environmental exclusions, contractual indemnity gaps) are typically underserved by off-the-shelf coverage. It also places standalone lines including workers' compensation, commercial auto, builders risk, general liability, personal homeowners and auto, and group health and benefits, with revenue earned via carrier commissions on placed policies under a transaction-fee model on an annual renewal cadence.

The offering is organized as a portfolio of industry-vertical programs supported by industry-specific quote intake forms on a Wix-hosted website. There is no proprietary technology platform, algorithm, or software product; the value proposition rests on broker expertise and carrier access rather than technology differentiation. Distribution is exclusively direct — industry-specific web forms, phone (617-500-1824), email, and one-on-one consultations, with a "Field Experience Program" used for experiential client engagement. The sales-led GTM is supplemented by a content marketing effort that in November 2025 released a four-part "Building Smarter" educational blog series targeting construction industry buyers, supported by an in-house marketing team of approximately 9 staff spanning content, web, video, and analytics.

The firm is led by two Managing Principals — CEO Art Catapang (30+ years industry experience) and President Jim Boynton — and operates with a team of approximately 18 named individuals. Coastline Risk holds state insurance producer licenses across 16-17 U.S. states (the homepage footer and About page list slightly different state sets, including AZ, CA, CO, CT, DE, FL, GA, MA, ME, MI, MN, NH, NJ, NY, OR, RI, TN, UT, VT across the two sources) and describes itself as a "Nationwide Brand" with primary East Coast commercial focus. Pricing is quote-based and not publicly disclosed; no funding rounds, acquisitions, partnerships, regulatory actions, or material corporate events are documented in the source material.

Name

Coastline Risk

Legal name

Coastline Risk, Inc.

Website

https://coastlinerisk.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Coastline Risk is a privately held specialty insurance brokerage that designs layered commercial insurance programs for construction, real estate, transportation, and hospitality firms, earning revenue through carrier commissions on placed policies.

Ownership category

akta.pro rank

Headquarters

HQ city

Natick

HQ country

United States

HQ region

North America

Offices1 record

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: Revenue earned via commissions from insurance carriers when policies are placed through Coastline Risk as a specialty brokerage. Recurring as policies renew annually; commission-based economics tied to premiums across commercial lines (general liability, workers' comp, builders risk, commercial auto, cyber, etc.).
2. Group Health and Benefits Commissions: Commission revenue from placing group employee benefits including life, disability, health, and dental insurance for business clients across the United States.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels7 records

Core offering

Coastline Risk is a specialty insurance brokerage that designs, places, and services commercial insurance programs for construction, real estate, transportation, and hospitality businesses, plus personal lines (homeowners and auto) and group health and benefits. The firm combines base policies (general liability, workers' compensation, commercial auto) with industry-specific layers (builders risk, inland marine, liquor liability, cyber, umbrella, environmental) and supports clients with contract review, prequalification, regulatory compliance guidance, and 24/7 claims advocacy.

Product overview

Coastline Risk is a specialty insurance brokerage (not a software platform) that operates as a portfolio of industry-vertical service lines plus supporting standalone insurance lines. The firm groups coverage into four primary industry practices: Construction Insurance (with Builders Risk, Bonds, Snowplow Liability, and Tools and Equipment), Real Estate Insurance, Transportation Insurance, and Hospitality Insurance (including the Restaurant & Bar specialty flow). Underpinning those verticals are standalone lines — Workers Compensation, Commercial Auto, Builders Risk, General Liability, Homeowners, Personal Auto, Lessor's Risk, and Snow Plow Contractors coverage — supported by Claims Support Services and a recruiting Field Experience Program. Rather than a single unified SaaS product, the offering is an integrated service portfolio where each vertical combines base policies (General Liability, Workers Comp, Commercial Auto) with industry-specific layers (e.g., Inland Marine for transportation, Liquor Liability for hospitality, Builders Risk for construction). The firm is licensed across multiple U.S. states (e.g., AZ, CA, CO, CT, DE, FL, GA, MA, ME, MI, NH, NJ, NY, OR, RI, VT per the About page) and operates from a Natick, MA office.

Differentiator

Problem solved

Functional benefit

Products and services

• Construction Insurance
• Real Estate Insurance
• Transportation Insurance
• Hospitality Insurance
• Workers Compensation Insurance
• Commercial Auto Insurance
• Builders Risk Insurance
• General Liability Insurance

Quantifiable outcome

• 50+ years of combined brokerage experience applied across client engagements
• +2 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Lockton Companies: Largest privately held insurance brokerage in the world with strong construction, real estate, hospitality, and transportation practices — broad incumbent competing for the same specialty commercial business.
• The Hartford: Major P&C carrier and commercial lines writer with a strong small/mid-market business insurance franchise in construction, hospitality, and transportation — competes as a direct carrier alternative rather than as a peer broker, but addresses the same buyers Coastline Risk targets.
• Acrisure: Global insurance brokerage and fintech aggregator offering commercial P&C, specialty, and benefits across all major verticals — competes for the same mid-market accounts with substantially greater capital and geographic reach.
• Marsh McLennan: Global insurance brokerage and risk advisory firm with deep specialty practices in construction, real estate, hospitality, and transportation — large-scale incumbent competing for the upper end of Coastline Risk's target market.

Direct peers

• Brown & Riding Insurance Services: Specialty insurance brokerage focused on complex and hard-to-place commercial risks across construction, real estate, hospitality, and transportation — directly comparable to Coastline Risk's vertical specialty positioning, though operating at substantially greater scale.
• RPS (Risk Placement Services): Specialty wholesale and retail brokerage placing complex commercial coverage into construction, hospitality, transportation, and real estate — overlaps Coastline Risk's vertical mix and layered-coverage architecture.
• Heffernan Insurance Brokers: Mid-market-focused commercial insurance brokerage with a vertical-specialty practice covering construction, real estate, hospitality, and transportation — a direct comparable in business model, size profile, and target segments.
• USI Insurance Services: Large middle-market insurance brokerage with dedicated specialty practices in construction, real estate, transportation, and hospitality — a scaled-up direct peer offering the same vertical specialty playbook Coastline Risk targets.
• Hub International: North American insurance brokerage aggregator with strong specialty practices in construction, transportation, real estate, and hospitality — competes for the same mid-market commercial accounts Coastline Risk serves.
• Burns & Wilcox: Specialty wholesale brokerage and managing general agent placing complex commercial risks including hospitality, transportation, and real estate — comparable in specialty focus and reliance on carrier partnerships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@CoastlineRisk
• Facebookfacebook.com/coastlinerisk
• LinkedInlinkedin.com/company/coastlinerisk
• Instagraminstagram.com/coastlinerisk
• Xx.com/CoastlineRisk

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Coastline Risk