Clarke Marine Garvey Insurance Service

What Clarke Marine Garvey Insurance Service does

Clarke Marine Garvey Insurance Services is an independent insurance brokerage founded in 1949, headquartered at 245 Fischer Avenue, Suite D-8, Costa Mesa, California. The firm operates as a private, relationship-led agency licensed through California under license numbers 0B26477 and 0563274, with its President, Jim Reed, personally licensed in more than 60 markets across the United States, London, and Bermuda. Headcount is reported at 1–10 employees, and the company serves three primary customer segments: commercial organizations (business auto, workers compensation, property, general liability, professional liability, surety bonds, marine, environmental, cyber), high-net-worth individuals (homeowners, auto, boats/yachts, jewelry, art, collector vehicles, specialized collections, excess/umbrella), and employee benefits/HR buyers (medical, dental, vision, life, disability, voluntary benefits, and full plan administration including COBRA and 5500 preparation).

The company makes money on commissions paid by the insurance carriers it places business with across new policy placements and renewals. Pricing is quote-based and risk-driven, with annual billing cadence typical of insurance contracts. Go-to-market is sales-led, executed via direct phone (714.444.2679), email ([email protected]), and website contact forms (cmgis.com), with stated 24/7/365 availability for claims and inquiries; no self-serve digital motion is described. There is no proprietary technology platform disclosed and no mobile application.

Clarke Marine Garvey's primary differentiators are its 75-year operating history, alliances with stable and highly-rated underwriters, specialty expertise in marine and high-value personal lines, and a one-stop coverage model that lets commercial and personal policyholders consolidate business, employee benefits, and personal insurance through a single agency principal. The firm performs claims advocacy and consulting/risk management services on behalf of clients, and it extends its geographic reach for marine and specialty placements through its international licensing footprint. No external funding, M&A activity, or institutional investor involvement is evidenced in the public material.

Name

Clarke Marine Garvey Insurance Service

Legal name

Clarke Marine Garvey Insurance Services

Website

https://cmgis.com

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

1–10 employees

Short description

Clarke Marine Garvey Insurance Services is a Costa Mesa, California-based independent insurance brokerage founded in 1949, placing commercial, personal, and health/life coverage for businesses, high-net-worth individuals, and employers through alliances with highly-rated carriers.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAJ

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAJAHAB

Inland Marine Insurance (Transit, Equipment & Installation)

Financial & Insurance/Insurance — Motor, Property & Casualty/Marine & Aviation Insurance

SECONDARYFSAJAGAJ

Marine Specialty (Hull/P&I/Cargo)

Financial & Insurance/Insurance — Motor, Property & Casualty/Specialty & Excess/Surplus Lines (E&S)

SECONDARYFSAJAHAH

Protection & Indemnity (P&I) / Marine Liability Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Marine & Aviation Insurance

SECONDARYFSAIAEAL

Individual Health Insurance Brokerage & Distribution

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

Keywords

• Independent insurance brokerage
• Commercial insurance coverage
• Marine insurance services
• Personal insurance products
• Employee benefits administration

Headquarters

HQ city

Costa Mesa

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance agency, Clarke Marine Garvey earns commissions from insurance carriers for placing business. The company has alliances with stable, proven carriers offering competitive pricing from highly-rated underwriters. Revenue is generated through commissions on new policy placements and renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Clarke Marine Garvey Insurance Service is an independent insurance brokerage that places commercial, personal, and health/life insurance coverage on behalf of clients through alliances with stable, highly-rated underwriters. The firm's core offering centers on multi-line insurance brokerage—Commercial Insurance (business auto, property, workers compensation, marine, liability, surety bonds, environmental, cyber), Health & Life (medical, dental, vision, life, disability, voluntary benefits) with full employee benefits administration, and Personal Insurance (homeowners, auto, boats/yachts, jewelry, art, collector vehicles, specialized collections, umbrella). Services include claims advocacy, risk management consulting, and ongoing policy servicing through a relationship-driven sales model.

Product overview

Clarke Marine Garvey Insurance Service is an established insurance brokerage founded in 1949 offering a comprehensive suite of insurance products for businesses and individuals. The company provides three main product categories: Commercial Insurance (including Business Auto, Property, Workers Compensation, Ocean/Inland Marine, General Liability, Professional Liability, Cyber Liability, Environmental Services, Surety Bonds, and various marine coverages), Health & Life (including Medical/Dental/Vision, Life Insurance, Disability coverage, Voluntary Benefits, and Employee Benefits Administration services), and Personal Insurance (including Homeowners, Auto, Boats/Yachts, Collector Vehicles, Art, Jewelry, Specialized Collections, Earthquake, Flood, and Excess/Umbrella coverage). The company specializes in complex, high-value portfolios and serves both commercial and personal insurance needs, enabling clients to consolidate business and personal coverage with a single provider.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance Program Multi-line commercial coverage for businesses of any size, including business auto, property, workers compensation, general liability and umbrella excess, ocean marine, inland marine, financial and professional liability (including E&O, D&O, EPLI, fiduciary), cyber liability, environmental services (pollution and contractors pollution), surety bonds (construction and commercial), foreign travel risks, builders risk / course of construction, equipment floaters, crime/fidelity bonds, hull, protection & indemnity, marine general liability, cargo including stock, real estate lenders policy, and insurance verification services. Designed for commercial organizations needing comprehensive risk transfer.
• Claims Service & Advocacy Claims handling support and advocacy services to assist commercial clients through the claims process, with 24/7 availability.
• Consulting & Risk Management Solutions Expert guidance and risk assessment services helping businesses identify, mitigate, and manage insurance-related risks.
• Health & Life Insurance Program Group and individual health, dental, vision, life, short- and long-term disability, voluntary benefits, and international medical plans for employers and individuals, with ACA marketplace support.
• Employee Benefits Administration Full-service benefits administration including plan administration from enrollment to renewal, online enrollment, COBRA administration, legislative compliance, 5500 preparation, and customized employee communications.
• Personal Insurance Program Personal lines coverage for individuals including homeowners (with earthquake and flood), auto, boats/yachts, jewelry, art, collector vehicles, specialized collections, and excess/umbrella liability. Specializes in complex, high-value portfolios.
• Boats and Yachts Insurance Specialized marine and yacht coverage for personal watercraft, a specialty product for clients with high-value marine assets.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Stable, Proven Insurance CarrierscoreOthersClarke Marine Garvey maintains alliances with stable, proven insurance carriers offering competitive pricing, options and security from the highest-rated underwriters in the insurance industry. Specific carrier names are not disclosed on the website.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Woodruff Sawyer: Independent commercial insurance brokerage focused on mid-market and specialty commercial lines. Comparable multi-line independent brokerage model with similar client profile and carrier-partnered distribution.
• Robertson Ryan & Associates: Independent insurance agency offering commercial, personal, and benefits coverage with specialty expertise. Comparable independent multi-line agency model targeting similar SMB and HNW segments.
• Brown & Riding Insurance Services: Wholesale insurance brokerage and MGA specializing in property, casualty, marine, and other specialty lines. Directly comparable for marine and specialty wholesale/brokerage capabilities.
• Heffernan Insurance Brokers: Independent commercial and personal insurance brokerage serving mid-market and HNW clients across the US. Highly comparable as a multi-line independent agency with similar relationship-led GTM and specialty capabilities.

Broad incumbents

• RPS (Risk Placement Services): Wholesale broker and MGA with deep specialty expertise including marine and excess/surplus lines. Overlaps with Clarke Marine Garvey's marine and specialty placements but operates at much greater scale.
• USI Insurance Services: Large mid-market-focused insurance brokerage offering commercial, personal, and benefits lines. Comparable product breadth but at far greater scale; serves as the consolidator benchmark for small independents like Clarke Marine Garvey.
• Marsh McLennan: Global insurance brokerage and risk advisory giant offering marine, HNW private client, and commercial coverage. Sets the competitive ceiling for marine and specialty placements and a likely acquirer of specialty marine books.
• NFP (an Aon company): Large US insurance broker and benefits consultant serving mid-market, personal lines, and HNW clients. Comparable multi-line product set and a frequent acquirer of independent agencies in Clarke Marine Garvey's profile.

Emerging players

• Assurance: Top-50 US insurance brokerage with strong digital and SMB/employee-benefits orientation. Comparable brokerage services, particularly on the benefits side, but represents a more tech-enabled competitive threat.
• IAT Insurance Group: Specialty insurance carrier with marine and excess/surplus capabilities. Comparable on the marine specialty axis but operates as a carrier rather than a broker, useful for understanding the underwriting market Clarke Marine Garvey accesses.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/james-david-reed-insurance-company-dba-clarke-marine-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Clarke Marine Garvey Insurance Service