Health Agencies of the West

What Health Agencies of the West does

Health Agencies of the West operates commercially as Pearl Insurance, a U.S. specialty insurance intermediary and brokerage founded in 1940. Pearl Insurance distributes four core product lines on behalf of multiple top-rated carriers: Professional Liability (errors and omissions coverage for accountants, lawyers, engineers, orthodontists, real estate agents, garage owners, and similar professionals), Personal Insurance (auto, home, personal liability, and belongings), Commercial Insurance (SMB coverage tailored to business risk), and Associations & Unions programs (designed, administered, and marketed insurance solutions for organizations). The company is licensed to offer coverage in all 50 U.S. states and operates from a headquarters in Peoria Heights, Illinois, with a secondary office in Albany, New York.

The business model is a traditional commission-based brokerage: Pearl Insurance shops the insurance market across multiple top-rated carriers and earns commissions on policies placed, with pricing determined per quote based on profession, coverage type, and individual risk factors. Distribution combines direct-to-consumer acquisition via the pearlinsurance.com website (including a state-based coverage selector and a customer dashboard hosted at pearlone80.com) with a dedicated broker/agent channel for commercial and association business. Pearl Insurance operates as a division of Risk Strategies/One80 Intermediaries, giving it access to a larger national intermediary platform while retaining a specialized brand and customer-facing service model. Pearl Marketing Group, an associated entity, has won dozens of Professional Insurance Marketing Association (PIMA) awards, and the company holds SOC 2 Type II certification for data security and privacy. Headcount is reported at 11–50 employees, and revenue is not publicly disclosed.

Name

Health Agencies of the West

Legal name

Pearl Insurance

Website

https://healthagencies.com

Company type

Private

Founded year

1940

Operating status

Operating

Headcount range

11–50 employees

Short description

Pearl Insurance, a division of Risk Strategies/One80 Intermediaries, is a U.S. insurance brokerage distributing professional liability, personal, commercial, and association insurance programs across all 50 states to professionals, individuals, businesses, and organizations.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD)

Keywords

• Professional liability insurance
• Errors and omissions coverage
• Personal insurance brokerage
• Commercial insurance programs
• Association insurance administration

Headquarters

HQ city

Orange

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Distribution channels2 records

Marketing channels3 records

Core offering

Health Agencies of the West operates as an insurance intermediary through its association with Pearl Insurance, brokering four core product lines: professional liability (errors and omissions) insurance for professionals such as accountants, lawyers, engineers, orthodontists, real estate agents, and garage owners; personal insurance covering auto, home, belongings, and personal liability for individuals; commercial insurance tailored to small and mid-sized business risks; and custom-designed association and union insurance programs. The company shops multiple top-rated carriers on behalf of customers to deliver coverage suited to each segment.

Product overview

Pearl Insurance is a division of Risk Strategies/One80 Intermediaries offering a portfolio of four core insurance products: Professional Liability Insurance (errors and omissions coverage for professionals), Personal Insurance (coverage for cars, homes, belongings, and personal liability), Commercial Insurance (business coverage with access to multiple carriers), and Associations & Unions (tailored insurance programs for organizations). The company acts as an insurance broker, shopping the market with multiple top-rated carriers to find appropriate coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Liability Insurance Errors and omissions insurance that protects professionals against client lawsuits arising from mistakes in the course of their work. Coverage is offered to accountants, lawyers, engineers, orthodontists, real estate agents, garage owners, and similar professional occupations.
• Personal Insurance Comprehensive personal insurance for individuals, covering cars, homes, personal belongings, and personal liability with customizable coverage options.
• Commercial Insurance Business insurance coverage tailored to the risks faced daily by commercial customers, with the broker shopping multiple top-rated insurance carriers to identify appropriate coverage.
• Associations & Unions Insurance Programs Custom-tailored insurance programs designed, administered, and marketed for associations and unions, including technology, people, products, and services intended to help member organizations maintain a competitive edge.

Segments4 records

Ideal customer profiles4 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.

• Risk Strategies/One80 IntermediariescoreOthers

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Hub International: National insurance brokerage with strong middle-market and specialty practices including professional liability. Comparable in scale and product breadth across personal, commercial, and professional lines.
• Brown & Riding: Specialty wholesale broker focused on excess & surplus and professional liability for niche trades. Comparable in specialty-line expertise and reliance on multi-carrier placements.
• USI Insurance Services: Large U.S. retail broker offering commercial, personal, and professional insurance programs. Comparable in serving middle-market and association clients with multi-carrier placements.
• Risk Strategies: Parent organization of Pearl Insurance and one of the largest U.S. specialty insurance brokers. Directly comparable as a multi-line retail broker serving commercial, personal, and professional-liability clients through a network of specialty divisions.
• One80 Intermediaries: Co-parent of Pearl Insurance; a specialty intermediary platform offering professional liability, association, and program business. Comparable in product mix and target segments, especially for association and niche professional programs.
• Heffernan Insurance Brokers: Mid-size U.S. retail broker with professional liability, personal, and commercial practices, plus association programs. Comparable mid-market positioning and product mix.
• Hiscox: Specialty insurer/broker hybrid focused on small-business and professional liability for accountants, consultants, and other professionals. Directly competes with Pearl in the E&O-for-professionals niche, including digital distribution.

Broad incumbents

• Lockton: Largest privately held insurance broker in the U.S., with strong specialty and association practices. Comparable at the buyer-problem level though materially larger and more diversified than Pearl.
• Beazley: Specialty insurer with a market-leading professional liability / E&O franchise for professional services firms. Competes upstream as a carrier Pearl might place business with, and offers competing direct E&O products to the same professions.
• Arthur J. Gallagher: Global insurance broker and risk-management firm with substantial retail brokerage, professional-liability, and association-program capabilities. Broader and more diversified than Pearl but addresses overlapping buyer needs.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pearlinsurance2
• LinkedInlinkedin.com/company/health-agencies-of-the-west-inc.
• Instagraminstagram.com/pearlinsurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Health Agencies of the West