Eastern Underwriting Managers

What Eastern Underwriting Managers does

Eastern Underwriting Managers (EUM) is a privately held multiline Managing General Agent (MGA) and wholesale insurance broker founded in February 2015 in Knoxville, Tennessee, by Garland Byrd. The company grants appointed retail insurance agents access to multiple digital markets across the property and casualty (P&C) space, enabling instant online quote and bind, and offers a portfolio of approximately 30 P&C lines spanning core commercial products (Workers' Compensation, Commercial General Liability, Commercial Auto, Business Owner's Policies, Property, Professional Liability, Errors & Omissions, Excess/Umbrella) and specialty programs (Long Haul Trucking, Dump Truck, General and Artisan Contractors, Vacant Buildings/Land, Rental Dwellings, Lessor's Risk, Hotel/Motel, Entertainment, Non-Dealers Garage). The underlying distribution platform is a web-based agent portal (agents.easternunderwritingmanagers.com) supporting digital bind for in-appetite risks, with manual submission to underwriting for non-bindable classes, plus ePay and Xpress Pay payment integrations.

EUM operates a wholesale commission-based revenue model, earning carrier commissions on placed risks sourced through its network of appointed retail agents. There are no premium volume requirements or monthly fees to become appointed — an explicit differentiator versus wholesalers that gate access behind minimum commitments. Geographically, EUM's stated primary focus is the Southeast US, though markets are made available in most US states. Distribution relies on low-friction agent appointment, a digital portal for servicing, and industry event attendance including NAPSLO, Target Markets, and state Independent/Professional Insurance Agents conferences.

The company is founder-controlled and privately held with no disclosed external institutional investors, parent company, or funding rounds. Senior leadership sits with Garland Byrd (President), who brings over 25 years of insurance experience including prior roles as a retail producer, agency owner, and builder of a National Wholesaler in the Southeast that generated cumulative written premiums in excess of $400 million with a marketing distribution exceeding 30,000 retail agents during his prior career (a track record attributable to his previous role, not to EUM). EUM's stated headcount is 1-10 (firmographic), with roughly 14 named contacts across underwriting, marketing, accounting, and digital support — consistent with a boutique multiline wholesaler. No patents, awards, regulatory actions, M&A activity, or AI capabilities are disclosed.

Name

Eastern Underwriting Managers

Legal name

Eastern Underwriting Managers

Website

https://easternunderwritingmanagers.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Eastern Underwriting Managers is a private multiline MGA wholesale insurance broker in Knoxville, TN, founded in 2015 by Garland Byrd. It grants appointed retail agents no-fee access to digital markets for instant quote and bind across 30+ P&C lines and specialty programs.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Wholesale insurance brokerage
• Multiline MGA services
• Commercial property casualty insurance
• Specialty insurance programs
• Retail agent appointments

Headquarters

HQ city

Knoxville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Insurance Brokerage: Eastern Underwriting Managers generates revenue as a multiline MGA wholesaler by providing retail insurance agents access to their market relationships and digital binding platforms. They earn commissions from insurance carriers for underwriting and placing business.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Eastern Underwriting Managers is a multiline MGA wholesaler that appoints retail insurance agents and grants them access to numerous digital insurance markets for instant online quoting and binding across property & casualty and specialty lines. The company places business with multiple A-rated carriers on behalf of its appointed agents without requiring volume commitments or monthly fees.

Product overview

Eastern Underwriting Managers is a multiline MGA (Managing General Agent) wholesale insurance broker that operates as a single unified platform offering multiple insurance products and specialty programs. The core portfolio includes Workers' Compensation, Commercial General Liability, Commercial Auto, Property, and various other P&C lines. These are supplemented by specialized program offerings including Long Haul Trucking, Dump Truck Coverage, General and Artisan Contractors programs, Vacant Buildings and Land coverage, Rental Dwellings, Lessor's Risk, Hotel/Motel, Entertainment, and Non-Dealers Garage programs. The company grants appointed agents access to digital markets for instant online quoting and binding, without requiring volume commitments or fees.

Differentiator

Problem solved

Functional benefit

Products and services

• Workers' Compensation Workers' compensation insurance providing coverage for workplace injuries and illnesses, with access to multiple A-rated carriers, low minimum premiums, and individual account underwriting, made available to appointed retail insurance agents.
• Commercial General Liability Commercial general liability insurance providing protection against third-party bodily injury, property damage, and personal or advertising injury claims, placed for retail agents' small to medium commercial clients.
• Commercial Auto Commercial auto insurance coverage for business vehicles, including liability and physical damage protection, placed for retail agents through Eastern's carrier markets.
• Business Owner's Policies Combined business owner's package policies offering property, liability, and business interruption coverage for small to medium businesses, accessed by retail agents through Eastern.
• Flood Flood insurance coverage for properties located in flood-prone areas, placed through Eastern's carrier markets for retail agent clients.
• Property Property insurance coverage for commercial and residential buildings and contents against covered perils, accessed via Eastern's underwriting markets.
• Professional Liability Professional liability insurance covering errors and omissions, directors and officers, cyber liability, management liability, and employment practices liability for professional services firms placed through Eastern.
• Miscellaneous Errors & Omissions Miscellaneous E&O coverage for various professional service providers placed through Eastern's markets.
• Environmental/Pollution Coverage Environmental liability coverage including general liability, environmental contractors pollution liability, product pollution liability, and pollution legal liability for environmental exposures placed through Eastern's markets.
• Inland Marine Inland marine insurance covering installation floaters, contractor's equipment and tools, builder's risk, and various installation coverages placed through Eastern.
• Excess/Umbrella Excess liability and umbrella coverage providing additional protection above primary policy limits placed through Eastern's markets.
• Liquor Liability Liquor liability insurance for establishments serving or selling alcohol, covering assault and battery, defense costs outside limits, and licensed/unlicensed exposures, placed through Eastern's markets.
• Special Events Special event insurance coverage for temporary events and venues placed through Eastern's markets.
• Physical Damage/Cargo Cargo insurance coverage for goods in transit and physical damage coverage for vehicles placed through Eastern's markets.
• Truckers General Liability General liability coverage specifically designed for trucking operations, placed through Eastern's markets.
• Manufactured Homes Insurance coverage for manufactured homes and mobile homes placed through Eastern's markets.
• Dwelling Fire/Condos/Homeowner's Property coverage for residential dwellings including fire, condo unit, and homeowner's policies placed through Eastern's markets.
• Non Profits Insurance coverage tailored for non-profit organizations placed through Eastern's markets.
• Auto Servicing & Repair Garage and auto service/repair facility coverage including full garage liability and garagekeepers coverages placed through Eastern's markets.
• Long Haul Trucking Program Specialized trucking insurance program covering auto haulers, building materials transport, and intermodal operations with coverage including hired auto, non-owned auto, and UIIA endorsement, placed through Eastern's markets for retail agents.
• Dump Truck Coverage Dump truck insurance available in AL, AR, GA, KY, MS, NC, SC, TN, TX covering auto liability up to $1M CSL, physical damage, and cargo, placed through Eastern's markets.
• General Contractors Program General liability coverage for general contractors including paper contractors, commercial, demolition, remodeling, residential contractors, and swimming pool contractors, placed through Eastern's markets.
• Artisan Contractors Program General liability for artisan contractors including concrete, janitorial, masonry, roofing, and tree trimming with minimum premiums starting at $485, placed through Eastern's markets.
• Vacant Buildings Coverage for vacant buildings targeting commercial and residential properties with no length of vacancy restriction and property values up to $5 million, placed through Eastern's markets.
• Vacant Land Coverage for vacant land exposures up to 1,000 acres per location with GL limits up to $1M/$3M, placed through Eastern's markets.
• Rental Dwellings BOP or monoline GL coverage for rental dwellings with special cause of loss and replacement cost options, up to $1M TIV, placed through Eastern's markets.
• Lessor's Risk Program Lessor's risk coverage for properties up to 10,000 gross floor area, 2 stories, with property values up to $5 million, placed through Eastern's markets.
• Hotel/Motel Program All-lines package for hotels and motels with an A++ admitted market, covering franchised or non-franchised properties with pools, EPLI, and equipment breakdown, placed through Eastern's markets.
• Entertainment Program Commercial GL for entertainment venues including auditoriums, theaters, axe throwing, bowling alleys, escape rooms, gyms, and shooting ranges, with up to $5M capacity, placed through Eastern's markets.
• Non-Dealers Garage Program Full garage liability for non-dealer service and repair operations with garagekeepers coverage and minimum premiums starting at $1,500, placed through Eastern's markets.
• Retail Insurance Agent Appointment Program Agency appointment program that grants retail insurance agents access to multiple digital wholesale markets, the ability to quote and bind online instantly across P&C and specialty lines, with no premium volume requirements and no monthly fees charged to become appointed.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Brown & Riding: Specialty wholesale broker and program manager providing retail agents access to multiple markets across commercial and E&S lines. Directly comparable as a multiline specialty wholesaler serving the retail agent distribution channel.
• CRC Group: Large multiline wholesale broker and MGA operating across P&C lines, providing retail agents digital and traditional access to multiple carrier markets. Closely comparable operating model to Eastern's multiline MGA wholesaler structure.
• Burns & Wilcox: National specialty wholesale insurance broker and MGA granting appointed agents access to admitted, E&S, and personal lines markets. Comparable as a multiline wholesaler serving small/mid-market retail agents with no-fee appointment constructs.
• Risk Placement Services (RPS): Multiline wholesale broker and MGA offering retail agents online quote-and-bind across commercial and specialty lines. Overlaps directly with Eastern's digital-market, multiline MGA model, although operating at much larger scale.
• Heffernan Group: Wholesale and retail insurance brokerage with multiline capabilities across commercial lines. Comparable product mix and retail agent distribution orientation, though with deeper retail presence.
• K&B Underwriters: Wholesale broker/MGA providing small and mid-market retail agents digital access to commercial and specialty markets. Closely comparable no-commitment, multiline wholesaler positioning.
• McGowan Insurance: Multi-carrier wholesale broker and program manager offering retail agents access to commercial and specialty markets. Comparable in the multiline wholesaler niche focused on small/mid-market retail distribution.

Broad incumbents

• Amwins: Largest US specialty wholesaler with broad multiline MGA and binding authority capabilities. Comparable channel model (retail agents accessing carrier markets) but operating as a much larger, more diversified incumbent.

Regional players

• Western Security Surplus Insurance Brokers: Regional surplus lines and commercial wholesale broker/MGA serving retail agents with instant online binding capability. Comparable as a regional-focused multiline wholesaler offering digital market access.

Emerging players

• Minico Insurance Agency: Program manager/MGA focused on niche commercial segments with online binding for appointed agents. Comparable in the no-commitment wholesale/MGA positioning, though at smaller scale and with narrower niche focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/eastern-underwriting-managers-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Eastern Underwriting Managers