Clarion Pacific

What Clarion Pacific does

Clarion Pacific is an independent insurance agency headquartered in Santa Cruz, California, serving personal and commercial customers primarily in the regional Santa Cruz market. The firm distributes property and casualty insurance products through a multi-carrier model, placing business with Amwins, Arrowhead, Safeco, The Hartford, and Travelers to offer both consumer lines (home, auto) and commercial coverage to small businesses. The agency operates with 1–10 staff and continues the operating history of its predecessor entity, Bedell & Nelson / Harbert Insurance Agency.

The business runs a sales-led, relationship-driven model in which licensed producers and account managers originate and service policies directly with households and small-business owners. Lead generation is supported by a Zywave-powered content website that publishes insurance guides and blog posts intended to drive organic inbound inquiries, supplemented by a client referral program. There is no indication of proprietary technology, automation, or data infrastructure beyond the standard agency website platform.

Clarion Pacific earns revenue through standard insurance agency commission mechanics — carrier-paid commissions on bound personal and commercial policies — with no disclosed pricing model, fee structure, or revenue figures. The agency operates with a stable book of consumer and small-business accounts and has been in continuous operation for more than ten years, with the recent strategic activity limited to the rebrand, the Zywave website deployment, and the addition of commercial lines to the existing personal-lines practice.

Name

Clarion Pacific

Legal name

Clarion Pacific Ins Services

Website

https://clarionpacificinsurance.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Clarion Pacific is an independent insurance agency in Santa Cruz, California that places personal and commercial coverage with five carrier partners for households and small businesses, operating as a sales-led, relationship-driven practice with fewer than ten staff.

Ownership category

akta.pro rank

Headquarters

HQ city

Santa Cruz

HQ country

United States

HQ region

North America

Offices1 record

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 Agency Commissions: As an independent insurance agency, Clarion Pacific earns commissions from insurance carriers (Amwins, Arrowhead, Safeco, The Hartford, Travelers) for policies placed on behalf of customers. Revenue is generated through policy premiums collected by carriers, with agencies receiving a percentage commission.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Clarion Pacific is an independent insurance agency that places personal and commercial insurance policies on behalf of customers through partnerships with five major carriers (Amwins, Arrowhead, Safeco, The Hartford, and Travelers). Core products include Auto, Home, Business & Commercial, Workers' Compensation, Commercial Auto, and Life Insurance, with policies tailored through personalized one-on-one consultation. Revenue is generated via carrier commissions on premiums placed.

Product overview

Clarion Pacific Insurance Services is an independent insurance agency offering a comprehensive portfolio of insurance products for individuals and businesses. The core product lineup includes Personal Auto Insurance, Auto Insurance, Home Insurance, Business Insurance, Workers' Compensation Insurance, Commercial Auto Insurance, and Life Insurance. These core offerings are supplemented by specialized add-on coverages including General Liability Insurance, Professional Liability Insurance (E&O), Contractors Equipment Coverage, Builders Risk Insurance, Commercial Property Insurance, and Business Interruption Insurance. The agency operates as a traditional insurance broker, connecting customers with multiple insurance carriers (Amwins, Arrowhead, Safeco, The Hartford, and Travelers) to provide tailored coverage solutions for Santa Cruz, CA and surrounding California areas.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Auto insurance coverage for individual drivers, providing financial protection against accidents, theft, and unexpected damage to vehicles.
• Auto Insurance Comprehensive auto insurance coverage including liability, collision, comprehensive, and medical payments coverage for vehicle owners.
• Home Insurance Homeowners insurance covering dwelling, personal property, liability, and additional living expenses against covered perils like fire and storms.
• Business & Commercial Insurance Business insurance solutions including commercial property, general liability, business interruption, and package coverage tailored for businesses.
• Workers' Compensation Insurance Workers' compensation coverage required for California employers, covering medical expenses and lost wages for employees injured on the job.
• Commercial Auto Insurance Insurance coverage for business vehicles used for deliveries, client visits, or work sites, covering property damage and bodily injury liability.
• Life Insurance Life insurance policies including term life and permanent life options that provide financial support to beneficiaries after the policyholder's death.

Named customers5 records

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

Five partnerships are on record, tiered core.

• AmwinscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing commercial and personal insurance products. Amwins is a specialty insurance provider offering various commercial lines coverage options through the independent agency channel.
• ArrowheadcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options. Arrowhead is part of the insurance carrier network available to Clarion Pacific customers for various insurance needs.
• SafecocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner (a Liberty Mutual company) offering personal and commercial insurance products. Safeco provides auto, home, and business insurance options through independent agents.
• The HartfordcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner offering commercial and personal insurance products. The Hartford specializes in business insurance including workers compensation, as well as auto and home coverage.
• TravelerscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing comprehensive commercial and personal insurance products. Travelers is one of the largest insurers in the U.S., offering auto, home, business, and specialty coverage.

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Brown & Brown: Major U.S. insurance brokerage providing personal, commercial, and specialty coverage through a network of offices. Competes with independent agencies like Clarion Pacific for SMB and mid-market commercial accounts.
• Hub International: Large North American insurance brokerage with strong California presence. Provides comparable personal, commercial, and specialty coverage and competes for SMB commercial accounts that Clarion Pacific targets.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with extensive California operations. Overlaps in commercial and personal lines, and competes for mid-market and SMB clients in the same geographies.
• Leavitt Group: Large network of independent insurance agencies across the western U.S. Offers the same multi-line personal and commercial coverage as Clarion Pacific, but with significantly greater scale and geographic spread.

Direct peers

• Bolton & Company: California-based independent insurance and risk management firm serving individuals and businesses. Comparable in product mix and consultative agency model, with broader geographic reach within California.
• ABD Insurance & Financial Services: San Mateo, CA-based independent insurance brokerage serving individuals and businesses across personal and commercial lines. Closely comparable in California market, multi-carrier approach, and SMB focus.
• Heffernan Insurance Brokers: California-based independent insurance brokerage offering personal, commercial, and specialty lines including construction. Comparable in product breadth and independent agency model, though significantly larger in scale.
• Woodruff-Sawyer & Co. San Francisco-based independent insurance brokerage offering personal, commercial, and employee benefits coverage. Comparable independent agency model and California footprint, with stronger benefits practice.

Regional players

• Rogers & Gray Insurance: Massachusetts-based independent insurance agency with personal and commercial lines. Comparable independent agency structure and product mix, but operates in a different region.
• TrueNorth Companies: Midwest-based independent insurance and risk management firm serving individuals and businesses. Similar independent agency model and product breadth, but with a different geographic footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/clarion-pacific-insurance-services

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 Clarion Pacific