M. D. Manouel Insurance Agency, Inc.

What M. D. Manouel Insurance Agency, Inc. does

M.D. Manouel Insurance Agency, Inc. is an independent, founder-owned commercial insurance brokerage founded in 1974 by Michael Der Manouel Sr. in Fresno, California. The firm operates from two California locations (Fresno headquarters and Yuba City) and is structured around four specialty divisions: a Workers' Compensation Services Division (WCSD) focused on total-cost-of-risk reduction, a Private Client Services Division (PCSD) for high-net-worth individuals, a Construction Risk Division (CRD) for general contractors and subcontractors, and a Specialty Programs Division (SPD) serving agriculture, social service non-profits, and franchise/member groups. Adjacent service lines include claims management, risk management consulting, and value-added services such as COBRA administration and bilingual safety training.

The agency distributes commercial and personal insurance (auto, home, umbrella, life, disability), employee benefits (group medical, cafeteria plans, HSA/self-insurance), and financial services (asset protection, retirement plans) on behalf of multiple admitted and non-admitted insurance carriers. Its go-to-market is sales-led, executed by dedicated Account Executives and Sales Executives covering Property & Casualty and Life & Health Benefits, with relationship-based selling and industry specialization as the primary acquisition motion. Revenue is generated through insurance brokerage commissions on new policies and renewals, with no public pricing tiers disclosed; the firm reports an over-96% client retention rate and holds California insurance license #0549928. The firm is privately held with no institutional investor involvement identified, and leadership remains family-led with the founder serving as President & CEO alongside family members in operations and senior commercial lines roles.

Name

M. D. Manouel Insurance Agency, Inc.

Legal name

M.D. Manouel Insurance Agency, Inc.

Website

https://mdmig.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

11–50 employees

Short description

M.D. Manouel Insurance Agency, Inc. is an independent, founder-owned commercial insurance brokerage founded in 1974, operating from Fresno and Yuba City, California, serving construction, high-net-worth, agriculture, healthcare, and small business clients through four specialty divisions and multi-carrier brokerage commissions.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Contractors BOP / Artisan Package (FSAJAFAD), Healthcare Offices BOP (Medical/Dental/Vet Clinics) (FSAJAFAL), Nonprofit / Social Services BOP (FSAJAFAM), Co-Employment Risk Management & Insurance (Workers’ Comp, Liability) (BPACAGAH)

Keywords

• Commercial insurance brokerage
• Workers compensation services
• Construction risk insurance
• Private client insurance
• Employee benefits solutions

Headquarters

HQ city

Fresno

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: The agency generates revenue through commissions from insurance products placed with insurance carriers. As a broker, they earn commissions on new policies and renewals. The company represents and has access to many insurance companies, both admitted and non-admitted.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

M.D. Manouel Insurance Agency, Inc. is a California-licensed insurance brokerage firm that places commercial insurance, personal insurance, employee benefits, and financial services products for clients. Operating through four specialized divisions—Workers' Compensation Services, Construction Risk, Private Client Services, and Specialty Programs—the agency places coverage with admitted and non-admitted carriers and supplements placements with claims management, risk management consulting, and value-added services such as COBRA administration and bilingual loss control.

Product overview

M.D. Manouel Insurance Agency, Inc. is a full-service insurance brokerage firm founded in 1974, offering a portfolio of specialized insurance products and services through multiple divisions. The core offerings include Workers' Compensation Services Division (WCSD) for cost reduction, Private Client Services Division (PCSD) for high-net-worth individuals, Construction Risk Division (CRD) for contractors, and Specialty Programs Division (SPD) for agricultural and franchise businesses. The agency provides comprehensive commercial insurance (apartments, manufacturing, restaurants, trucking), personal insurance (auto, home, umbrella), employee benefits (group medical, life, disability), and financial services (asset protection, retirement plans), supported by claims management, risk management consulting, and value-added services like COBRA administration and safety training programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Workers' Compensation Services Division (WCSD) A specialized division offering workers' compensation program design, execution, placement, advanced data and modeling, claims management, and advocacy to help reduce total cost of risk for California employers.
• Private Client Services Division (PCSD) A division serving high-net-worth clients with comprehensive insurance consultation and risk management strategies, including personal property and liability insurance programs tailored to individual lifestyles.
• Construction Risk Division (CRD) A division helping construction firms assess risks and opportunities, offering subcontractor default insurance claims consulting, claims advocacy, contract surety, and project-specific risk alignment.
• Specialty Programs Division (SPD) A division providing sponsored insurance programs and coverage access for agricultural businesses, farm labor contractors, social service non-profits, food service companies, restaurants, and member groups and associations.
• Claims Management Customized claims management services and solutions across insurable and non-insurable risks, including claims advocacy, consulting, and loss quantification services to help reduce claims costs.
• Risk Management Strategic risk management services addressing property and casualty, loss control, cyber, safety, human resources, and other business risks using industry-leading data and analytics.
• Commercial Insurance Products Commercial insurance products covering apartments, charter schools, hotels, landscapers, manufacturing, medical offices, restaurants, trucking, workers compensation, and small business owner policies.
• Personal Insurance Products Personal insurance products including auto, home, life and disability, motorcycle, personal umbrella, recreational vehicles, watercraft, flood, and renters insurance.
• Employee Benefits Employee benefits including group life and disability, group medical, cafeteria plans, health care reform assistance, HSA and self-insurance, individual medical, and voluntary benefits.
• Financial Services Financial services including asset protection and retirement plans.
• Value-Added Services Additional services including COBRA administrative services, employee practices liability/HR advisor, industry-specific loss control and safety services in English and Spanish, and risk assessment.

Quantifiable outcome

• Over 96% client retention rate year in and year out
• +2 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Burns & Wilcox: Specialty wholesale brokerage and managing general agency with deep expertise in construction, hospitality, and small commercial — comparable to M.D. Manouel's specialty programs and affinity division.
• Brown & Riding Insurance Services: Specialty insurance brokerage focused on construction, trade contractors, and complex commercial risks — overlapping with M.D. Manouel's Construction Risk Division and similar mid-market contractor clientele.

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance broker and risk management firm with deep specialty practice groups in construction, agriculture, and workers' compensation — a broad incumbent whose specialty divisions compete head-to-head with M.D. Manouel's divisions.
• Alliant Insurance Services: One of the largest U.S. insurance brokerages, headquartered in California, with broad specialty divisions in construction, agribusiness, and workers' compensation — a scaled incumbent competing for the same mid-market accounts as M.D. Manouel.
• USI Insurance Services: National insurance brokerage with significant mid-market commercial, employee benefits, and personal lines practices — competing for the same regional and mid-sized commercial accounts that M.D. Manouel serves.
• Marsh McLennan: Global insurance brokerage and risk advisory firm with construction, agribusiness, and private client practices — a broad incumbent against whose larger specialty resources M.D. Manouel competes on local service and relationships.
• Hub International: Large North American insurance brokerage with a strong regional agency network and multi-line commercial brokerage model — comparable through its mix of acquired regional agencies serving mid-market commercial clients.

Direct peers

• Woodruff-Sawyer & Co. Independent, California-headquartered insurance brokerage with a comparable mix of commercial lines, construction, and private client services — overlapping target customer profile and California-centric geographic footprint.
• Lovitt & Touché: A long-standing, family-influenced independent insurance brokerage headquartered in the Western U.S. with similar mid-market commercial, construction, and workers' compensation specializations — directly comparable in size, regional scope, and division structure to M.D. Manouel.
• InterWest Insurance Services: California-based, employee-owned commercial insurance brokerage serving mid-market and small business clients across multiple industries — directly comparable to M.D. Manouel in regional focus, multi-line commercial brokerage, and relationship-led GTM.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/MDManouel
• LinkedInlinkedin.com/company-beta/3541214

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 M. D. Manouel Insurance Agency, Inc.