Noguchi & Associates

What Noguchi & Associates does

Noguchi & Associates, Inc. is an independent, family-led insurance agency headquartered in Honolulu, Hawaii, established in November 1982 by Hideo Noguchi. The firm operates six physical offices spanning Oahu (Honolulu), Maui (Kahului), Hawaii Island (Kamuela and Hilo), and Kauai (Lihue), plus an additional office in New York. It is recognized as one of Hawaii's largest and most respected independent insurance agencies and has been named to Insurance Journal's Top 100 Agency list. In 2022, the firm joined the Ori-gen Family of Companies, a portfolio of legacy-owned businesses, while retaining operational independence.

The firm offers eight integrated service modules: Policy Service, Surety Bonds (contract, license/permit, fidelity, judicial, and public officials bonds), Financing Premiums (premium payment financing for cash flow management), Risk Control (safety programs, on-site surveys, training), Claims Service (carrier representation and loss review), The Total Insurance Program (umbrella offering combining commercial property/casualty, personal lines, and financial services), Employee Benefits (group plans, wellness, HR support, COBRA, Medicare brokerage), and Retirement Plans & 401K (delivered in partnership with Ori-gen Retirement Plan Services and RetirementDNA). The technology footprint is modest: a Squarespace-hosted website and the Applied Systems Applied Pay platform for online invoice payment processing.

Noguchi operates on a sales-led, relationship-driven agency model, earning commission-based revenue from insurance carriers for policy placement, supplemented by premium financing transaction fees. Customers are segmented into Hawaii business community clients (commercial lines) and individual/personal lines clients, with no disclosed anchor enterprise customers. As of 2021, Mitchell Noguchi serves as President and Velma Tsuda as Vice President; Hideo Noguchi remains Chairman/CEO and Richard Nakayama serves as Vice Chairman.

Name

Noguchi & Associates

Legal name

Noguchi & Associates, Inc.

Website

https://nogins.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

Noguchi & Associates is a family-led independent insurance agency founded in 1982 in Honolulu, Hawaii, serving commercial and personal lines clients across six Hawaiian islands and New York through integrated brokerage, surety bonds, risk control, claims, premium financing, employee benefits, and retirement services.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage and Risk Management Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Business BOP (Main Street) (FSAJAFAA)

Keywords

• Commercial insurance brokerage
• Surety bond services
• Risk management consulting
• Employee benefits administration
• Retirement plan services

Headquarters

HQ city

Honolulu

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Commissions: Noguchi & Associates operates as an independent insurance agency earning commissions from insurance carriers for placing commercial and personal insurance policies. Services include policy service, surety bonds, risk control, claims service, employee benefits, and retirement plans.
2. Premium Financing: The company offers premium payment financing options to help clients manage cash flow. They have direct access to financing organizations that provide payment plans at competitive rates when insurance carriers cannot offer interest-free plans.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Noguchi & Associates is an independent insurance agency that places commercial and personal lines insurance policies with multiple insurance underwriters, delivers surety bonding, risk control services, claims handling support, premium financing, employee benefits administration, and retirement plan/401K services. The agency operates as a sales-led intermediary across six office locations in Hawaii and New York, serving Hawaii's business community as its primary market.

Product overview

Noguchi & Associates is an independent insurance agency offering a unified portfolio of insurance and financial services. The core offering consists of eight integrated service modules: Policy Service for insurance representation and document management, Surety Bonds for contract and license bonds, Financing Premiums for cash flow management, Risk Control for safety and exposure management, Claims Service for loss handling support, The Total Insurance Program as the comprehensive umbrella product combining property/casualty and financial services, Employee Benefits for workplace benefits administration, and Retirement Plans & 401K for retirement planning. These services work together to provide holistic risk management and insurance solutions for Hawaii businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Policy Service Insurance policy management service providing coverage representation, insurance binders, auto ID cards, and certificates of insurance for additional insureds and loss payees, for both commercial and personal clients.
• Surety Bonds Bond services including contract bonds, license and permit bonds, fidelity bonds, judicial bonds, and public officials bonds for both private and public sectors, supporting contractors and other bonding-required clients.
• Financing Premiums Premium financing services helping clients maximize cash flow through coverage evaluation, experience modification analysis, premium audit assistance, and competitive payment plans when insurance carriers cannot offer interest-free plans.
• Risk Control Risk management services offering administrative resources for safety programs, policies, and procedures, plus on-site surveys, inspections, and training to reduce exposures and insurance costs.
• Claims Service Claims handling department that represents clients with insurance carriers, works toward fair settlements, monitors reserves, and provides loss runs and claims review meetings.
• The Total Insurance Program Comprehensive insurance program offering business property and casualty insurance, personal lines coverage, and financial services including group insurance plans, life, disability, and retirement plans.
• Employee Benefits Employee benefits administration including strategic planning, account management, HR hotline, wellness programs, Medicare brokerage, technology solutions, and COBRA assistance for Hawaii employers.
• Retirement Plans & 401K Retirement planning services provided through partnership with Ori-gen Retirement Plan Services and RetirementDNA, offering fiduciary support, plan governance, investment analysis, and ERISA compliance.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and supporting.

• Ori-gen Family of CompaniescoreStrategic or Co-development Partner · 1 January 2022In 2022, Noguchi & Associates joined the Ori-gen Family of Companies, a portfolio of legacy-owned businesses committed to uplifting and sustaining the communities they serve. This affiliation provides Noguchi & Associates with additional resources and a broader network of services to better meet client needs.
• Ori-gen Retirement Plan Services / RetirementDNAcoreStrategic or Co-development PartnerOri-gen Retirement Plan Services was established to provide clients under the Ori-gen Family of Companies with retirement plan services and support. RetirementDNA provides fiduciary support, plan governance, investment analysis, ERISA compliance, and financial wellness services as trusted partners.
• Applied Systems, Inc. (Applied Pay)supportingTechnology or IntegrationApplied Systems, Inc. provides the Applied Pay platform for online payment processing. This technology enables secure one-time payment links for Noguchi & Associates invoices. Applied Pay applies convenience fees for credit/debit card and ACH transactions.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Marsh McLennan: Marsh is the world's largest insurance broker and risk advisor, serving large commercial accounts globally. It is the broad-incumbent benchmark for the risk management and commercial brokerage services Noguchi offers to Hawaii businesses.
• Lockton Companies: Lockton is a large independent insurance brokerage with risk management, surety, and employee benefits practices. Its surety and risk control capabilities overlap with Noguchi's Surety Bonds and Risk Control modules, representing a scaled independent-broker competitive model.
• Brown & Brown: Brown & Brown is one of the largest U.S. insurance brokerages with deep multi-line commercial, personal, and employee benefits capabilities. It represents the larger-scale national brokerage incumbent Noguchi competes against on larger Hawaii commercial accounts and benefits placements.
• Aon: Aon is a global professional services firm with a major insurance brokerage and risk consulting business. Aon represents the upper-tier broad incumbent against which a top-100 regional independent like Noguchi is benchmarked in commercial P&C and benefits placement.
• Hub International: Hub International is a major North American insurance brokerage offering commercial P&C, employee benefits, and personal lines — comparable to Noguchi in product breadth but operating at materially larger scale across multiple geographies.
• USI Insurance Services: USI is a national brokerage with strong property/casualty, employee benefits, and retirement plan practices. USI's benefits and retirement capabilities overlap directly with Noguchi's Employee Benefits and 401K/RetirementDNA service modules.

Direct peers

• OneDigital: OneDigital is an employee benefits-focused insurance and HR solutions brokerage. Its strong emphasis on benefits, retirement, and HR support aligns tightly with Noguchi's Employee Benefits, COBRA, wellness, and retirement plan service lines.
• Insurance Associates (INGUARDIAN): Insurance Associates is a Hawaii-headquartered multi-line independent agency providing commercial, personal, and life insurance with similar risk management and claims services — directly comparable to Noguchi's Hawaii-focused independent agency model.
• Atlas Insurance Agency: Atlas Insurance Agency is another large, long-established Hawaii-based independent insurance agency offering commercial and personal lines, employee benefits, and risk management — making it the closest like-for-like independent agency competitor in Noguchi's core Hawaiian market.

Regional players

• HEMIC (Hawaii Employers Mutual Insurance Company): HEMIC is a Hawaii-domiciled insurance company focused on workers' compensation for Hawaii employers. As a regional player in the Hawaii commercial insurance ecosystem, HEMIC is a comparable local-counterpart for the workers' comp and commercial lines that flow through Noguchi's agency.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/711774418944940

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 Noguchi & Associates