ZRM Brokerage
ZRM Brokerage is a privately held commercial insurance brokerage founded in 2017 in Thornwood, NY, serving middle-market businesses across 24 industries with five specialty practices (habitational, cyber, cannabis, construction, nonprofit) plus personal lines and high-net-worth private client services.
- Company typePrivate
- Founded2017
- HeadquartersThornwood, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What ZRM Brokerage does
ZRM Brokerage is a privately held commercial insurance brokerage founded in 2017 and headquartered at 980 Broadway in Thornwood, New York. The firm is licensed in eight states and serves middle-market businesses across the New York metro area with five dedicated specialty practices: habitational and multifamily, cyber risk, cannabis, construction, and nonprofit sectors. It also offers Personal Insurance and a Private Client service line targeting high-net-worth individuals and family offices. Daniel Guiney serves as President and is the principal figure leading client engagements.
The company operates four integrated service lines: Business Insurance (with 23 sub-product lines covering property, casualty, professional liability, and specialty classes including aviation, marine, environmental, and surety), Personal Insurance (home, auto, umbrella, flood, valuables, watercraft, and high-net-worth programs), Private Client (family office risk management, wealth advisory coordination, and index universal life), and Risk Management Services (claims advocacy, crisis planning, cyber risk management, fleet risk management, workplace safety, and risk management information systems). The technology footprint is minimal — a WordPress website with online quote intake forms, an ePayPolicy payment integration, and active Facebook, Instagram, and LinkedIn social profiles. No proprietary technology, no API, no mobile app, and no AI/ML capabilities are disclosed.
ZRM Brokerage earns revenue primarily through commissions from insurance carriers for placing coverage, with no disclosed fee-for-service or subscription pricing model. Its go-to-market is sales-led with principal-level attention on every account, a 30-minute introductory call offered at no cost, and inbound quote forms with a one-business-day response commitment. The company has no disclosed funding, no parent entity, no institutional investors, and no M&A activity in the source material. The firm was previously known as Zahra Risk Management.
ZRM Brokerage firmographics
Firmographics- Name
- ZRM Brokerage
- Legal name
- ZRM Brokerage, Inc.
- Website
- https://zrmbrokerage.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ZRM Brokerage is a privately held commercial insurance brokerage founded in 2017 in Thornwood, NY, serving middle-market businesses across 24 industries with five specialty practices (habitational, cyber, cannabis, construction, nonprofit) plus personal lines and high-net-worth private client services.
- Ownership category
- akta.pro rank
ZRM Brokerage industry classification
Industry- Product category
- Commercial Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
- akta.pro secondary industries
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)
Keywords
Where ZRM Brokerage is headquartered
LocationHeadquarters
- HQ city
- Thornwood
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ZRM Brokerage business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Brokerage Commissions: Earns commissions from insurance carriers for placing coverage. No explicit fee-for-service model described.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
ZRM Brokerage product offering
Product offeringCore offering
ZRM Brokerage is an independent commercial insurance brokerage that places business, personal, and high-net-worth insurance coverage with carriers on behalf of middle-market clients. Its core offering combines multi-line coverage placement (property, casualty, professional liability, cyber, D&O, workers' compensation, specialty lines, personal lines, and private-client coverage) with risk management advisory services across five specialty practices: habitational and multifamily, cyber risk, cannabis, construction, and nonprofit.
Product overview
ZRM Brokerage is a commercial insurance brokerage operating as a single, unified brokerage service rather than a software platform. The company offers four integrated service lines: Business Insurance (with 23 sub-products covering property, casualty, professional liability, and specialty lines), Personal Insurance (home, auto, umbrella, and valuables coverage), Private Client (high-net-worth family and wealth advisory services), and Risk Management Services (claims advocacy, crisis planning, and safety consulting). Five specialty practices provide deep expertise in habitational/multifamily, cyber risk, cannabis, construction, and nonprofit sectors. The company serves middle-market businesses across the New York metro area, licensed in eight states.
Differentiator
Problem solved
Functional benefit
Companies that use ZRM Brokerage
Customer profileSegments5 records
Ideal customer profiles4 records
ZRM Brokerage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ZRM Brokerage partnerships and signals
Strategic signalScale indicators4 records
Recent moves4 records
Expansion highlights5 records
ZRM Brokerage competitors and assessment
Company assessmentBroad incumbents
- Marsh McLennan: Global insurance brokerage and risk advisory leader offering commercial, specialty, and personal lines. Represents the large-incumbent competitive ceiling ZRM faces for larger middle-market prospects.
- Hub International: Large North American brokerage platform offering commercial, personal, and specialty coverage across many verticals, including habitational and nonprofit practices. A broader incumbent that competes for the same middle-market accounts ZRM targets.
- Acrisure: Large, fast-growing insurance brokerage platform with extensive middle-market and specialty practices plus HNW offerings. A consolidator that both competes with ZRM and represents a likely acquirer of niche specialty books.
Direct peers
- Heffernan Insurance Brokers: Independent commercial insurance brokerage serving mid-market businesses with specialty practices and personal lines for HNW clients. ZRM mirrors this model of vertical specialization and dual commercial/personal client approach.
- Amwins Group: Large specialty insurance wholesaler and brokerage with deep expertise in E&S lines and complex commercial placements. Compares to ZRM in its reliance on specialty carrier markets for hard-to-place middle-market risks.
- Brownyard Group: Specialty insurance brokerage focused on security, habitational, and related niche commercial lines with dedicated carrier programs. Highly comparable to ZRM's habitational and specialty vertical model serving middle-market accounts.
- RPS Insurance Group (Risk Placement Services): Specialty wholesale and retail brokerage placing hard-to-place commercial risks across niche verticals including habitational, construction, and excess & surplus lines — a direct comparable for ZRM's specialty placement model.
Others
- USLI (United States Liability Insurance): Specialty admitted and surplus lines insurer offering niche commercial products through a select broker network. Functions as a carrier partner / comparable party for niche middle-market placements that ZRM's specialty practices rely on.
Emerging players
- ThinkRisk Assurance / cannabis specialty brokers: Specialty brokerages focused specifically on cannabis and emerging-risk verticals, often operating at sub-scale with deep carrier relationships. Highly relevant as direct competition on ZRM's cannabis practice.
- ARC Excess & Surplus (RPS affiliate): Specialty E&S brokerage platform placing complex and niche commercial risks with retail agents. Comparable as a specialty-access point that competes for ZRM's hard-to-place business.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
ZRM Brokerage social profiles
Digital presenceZRM Brokerage financial estimates
Financial estimateRevenue estimate
Valuation estimate
ZRM Brokerage leadership team
Management profileNumber of profiles
Profiles1 record
ZRM Brokerage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ZRM Brokerage M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ZRM Brokerage
What does ZRM Brokerage do?
ZRM Brokerage is an independent commercial insurance brokerage that places business, personal, and high-net-worth insurance coverage with carriers on behalf of middle-market clients. Its core offering combines multi-line coverage placement (property, casualty, professional liability, cyber, D&O, workers' compensation, specialty lines, personal lines, and private-client coverage) with risk management advisory services across five specialty practices: habitational and multifamily, cyber risk, cannabis, construction, and nonprofit.
Is ZRM Brokerage a public or private company?
ZRM Brokerage is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ZRM Brokerage founded?
ZRM Brokerage was founded in 2017. It employs 1 to 10 people.
Where is ZRM Brokerage based?
ZRM Brokerage is headquartered in Thornwood, United States, in the North America region.
How does ZRM Brokerage make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are ZRM Brokerage's main competitors?
Broad incumbents on record are Marsh McLennan, Hub International and Acrisure. Direct peers are Heffernan Insurance Brokers, Amwins Group, Brownyard Group and RPS Insurance Group (Risk Placement Services). USLI (United States Liability Insurance) is listed as an others. Emerging players are ThinkRisk Assurance / cannabis specialty brokers and ARC Excess & Surplus (RPS affiliate).
Does ZRM Brokerage have an API?
No public API is recorded for ZRM Brokerage.
What industry is ZRM Brokerage in?
ZRM Brokerage's product category is Commercial Insurance Brokerage. Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines), with a secondary code of FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 5242 and its SIC code is 6411.