Cavignac & Associates

What Cavignac & Associates does

Cavignac & Associates is a privately held insurance brokerage and risk management advisory firm founded in 1992 and headquartered in San Diego, California, with additional offices in Carlsbad and San Clemente. The firm serves business clients across eleven industry verticals, with primary depth in design professionals (architects, engineers, construction managers) and construction contractors, alongside secondary coverage of real estate, hospitality, manufacturing, non-profits, marine, government/defense, professional services, schools, and technology segments. Its core offering is organized around five integrated service lines: Commercial Insurance, Employee Benefits, Surety bonding, Private Client Insurance, and Risk Control, delivered through the proprietary TotalRISK Approach® methodology that combines insurance placement with proactive risk control and claims advocacy.

The firm's technology stack is built around the trademarked TotalRISK Approach® and SuretyPRO System® (web-based financial modeling and prequalification for surety bonds), supplemented by a CSR24 client portal for policy access and the AppliedPay online payment platform (3.5% credit card fee, $4 ACH fee). Third-party integrations include Zywave for HR risk tooling and KPA for safety, training, and COI management. The firm also holds CCPA-compliant privacy practices and is working toward WCAG 2.0 AA accessibility compliance.

Cavignac operates an advisor-led, consultative sales motion targeting enterprise and mid-market clients, supported by content marketing (blog, monthly webinars for design professionals, annual HR Law Review) and deep trade association participation (ACEC, AGC San Diego, AIA, NAIOP, Structural Engineers Association of San Diego). Revenue is generated primarily through insurance brokerage commissions as a percentage of premium placed with carriers, supplemented by transactional fees from the AppliedPay payment platform. Pricing is quote-based with multi-year contracts; specific rates are not publicly disclosed. The firm is privately owned, with no external investors or parent company identified, and operates exclusively in California.

Name

Cavignac & Associates

Legal name

Cavignac & Associates

Website

https://cavignac.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

51–100 employees

Short description

Cavignac & Associates is a privately held San Diego-based insurance brokerage and risk management advisory firm, founded in 1992, serving design professionals, contractors, and other commercial clients across Southern California through advisor-led sales and five integrated service lines.

Ownership category

akta.pro rank

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Cavignac earns commissions from insurance carriers for placing insurance coverage on behalf of clients. Commission rates are typically a percentage of premium.
2. Client Portal & Payment Processing: Online client portal for policy access and AppliedPay secure payment portal with 3.5% credit card fee and $4 ACH flat fee.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Cavignac & Associates is an independent insurance brokerage and risk management advisory firm that places commercial insurance, employee benefits, surety bonds, and private client insurance with multiple carriers, and supplements placement with proactive risk control and claims advocacy under its proprietary TotalRISK Approach methodology. The firm primarily serves businesses in vertical industries such as design professionals, construction, real estate, hospitality, manufacturing, non-profits, marine, government/defense contractors, professional services, schools, and technology across Southern California.

Product overview

Cavignac & Associates is a San Diego and Orange County-based insurance agency offering a unified portfolio of risk management solutions. The core offering consists of five integrated service lines: Commercial Insurance, Employee Benefits, Surety (bonding services), Private Client Insurance, and Risk Control. These are delivered through the proprietary TotalRISK Approach® methodology that combines insurance placement with proactive risk management and claims support. The firm serves diverse industries including design professionals (architecture, engineering, construction management), construction, real estate, hospitality, manufacturing, non-profits, marine, government/defense contractors, professional services, schools, and technology. Client-facing digital tools include a Client Portal for policy management and AppliedPay for invoice payments.

Differentiator

Problem solved

Functional benefit

Brands

• TotalRISK Approach©: The company's proprietary comprehensive risk management approach that helps clients navigate an uncertain world.

Products and services

• Commercial Insurance

Quantifiable outcome

• Trusted by architects, engineers, and construction managers for more than 30 years

Named customers4 records

Segments11 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature2 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• American Council of Engineering Companies (ACEC)coreStrategic or Co-development PartnerCavignac has worked with ACEC for decades to support consulting engineering and land surveying professionals in California.
• AGC San Diego ChaptercoreStrategic or Co-development PartnerLeading professional association for the construction industry providing advocacy, collaboration, education, networking, and member services.
• NAIOPcoreStrategic or Co-development PartnerNational Association for Industrial and Office Parks - commercial real estate development association providing advocacy, education and business opportunities.
• Structural Engineers Association of San DiegocoreStrategic or Co-development PartnerProfessional association advancing the science of structural engineering in the San Diego community.
• Associated Builders & ContractorsminorStrategic or Co-development PartnerABC helps develop people, win work and deliver work safely, ethically and profitably with 68 chapters across the US.
• Building Industry Association (BIA)minorStrategic or Co-development PartnerLeading voice of residential development in San Diego for over 85 years, advocating for housing at all levels.
• Independent Insurance Agents and Brokers of CaliforniaminorStrategic or Co-development PartnerWorks to promote, protect, and preserve independent insurance agents and brokers in California.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cavignacins

Compliance2 records

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 Cavignac & Associates