Smithwick and Mariners Insurance

What Smithwick and Mariners Insurance does

Smithwick and Mariners Insurance is a privately held, independent insurance agency founded in 1987 and headquartered in Falmouth, Massachusetts, United States. The firm is led by founders Stephen Smithwick and Howard Clarke and operates with a headcount in the 11-50 range, placing it firmly in the small-agency segment. Per its stated profile, the agency distributes personal, commercial, life, health, business, and marine insurance products — a broad-line offering that combines standard personal/commercial coverage with a marine specialty, consistent with the firm's Falmouth (coastal Massachusetts) location and the "Mariners" branding.

The business model is a traditional independent insurance agency model: Smithwick and Mariners acts as an intermediary between insurance carriers and clients, earning commissions on placed coverage and fees for advisory/service work. The multi-vertical scope (personal, commercial, life, health, business, marine) indicates a horizontal segmentation approach targeting both individual consumers and small/mid-market businesses. Pricing is quote-based and not publicly disclosed, which is standard for the brokerage channel.

The input data supplied alongside the firmographics contains extensive product, geographic, and corporate detail describing Brown & Brown (NYSE: BRO, founded 1939), a multi-billion-dollar national insurance brokerage. This material appears to be an aggregation artifact and is not a direct description of Smithwick and Mariners Insurance; the analysis above is therefore scoped to the verifiable firmographic, leadership, and short-description data for Smithwick and Mariners. Notably, the agency's core technology stack, proprietary platform, partnerships, named customers, awards, and recent strategic transactions are not disclosed in the input.

Name

Smithwick and Mariners Insurance

Legal name

Brown & Brown

Website

https://smithwick-ins.com

Company type

Public

Founded year

1939

Operating status

Operating

Headcount range

11–50 employees

Short description

Smithwick and Mariners Insurance is a privately held, independent insurance agency founded in 1987 in Falmouth, Massachusetts. The firm distributes personal, commercial, life, health, business, and marine insurance products to individuals and businesses through a traditional brokerage model.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Ocean Marine Insurance (Hull, Cargo & Freight) (FSAJAHAA)

akta.pro secondary industries

Marine Specialty (Hull/P&I/Cargo) (FSAJAGAJ), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB), Protection & Indemnity (P&I) / Marine Liability Insurance (FSAJAHAH)

Keywords

• Marine insurance
• Commercial insurance
• Personal insurance
• Life insurance
• Health insurance

Headquarters

HQ city

Falmouth

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, Others

Revenue model

1. Insurance Brokerage and Risk Management Services: Brown & Brown generates revenue through insurance brokerage services, providing risk management solutions, and employee benefits administration to businesses and individuals. The company operates as an intermediary between insurance carriers and clients, earning commissions and fees for placing insurance coverage and providing consulting services.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Smithwick and Mariners Insurance is an independent insurance agency that places personal, commercial, life, health, business, and marine insurance coverage for individuals and businesses. The firm operates as an intermediary between insurance carriers and clients, sourcing and servicing policies across multiple lines of coverage from its Falmouth office with a particular focus on marine-related risks.

Product overview

Brown & Brown is an insurance brokerage and risk management firm offering a comprehensive platform of insurance and risk solutions. The core offerings include Property & Casualty Insurance (covering workers' compensation, general liability, product recall, excess liability, auto liability, and casualty analytics), Employee Benefits Programs, Personal Lines Insurance (homeowners, auto, boats/yachts, flood, private client specialty, family office, and private collections), and Consulting Services (actuarial, healthcare claims audit, health/welfare, M&A, pharmacy, and retirement benefits). The company also provides specialized industry-specific solutions across sectors including Marine, Healthcare, Real Estate, Construction, Technology and Data Centers, Financial Services, Aviation, Agriculture, Education, Entertainment, Fine Art, Hospitality, Logistics/Transportation, Nonprofit, Private Equity, Public Sector, Tribal, and Wineries. Additional services include Risk Management Services (loss control, safety, risk analytics, claims advocacy, Pro Safety training), Captive Insurance, Cyber Insurance, Environmental Liability, Executive Liability, Financial and Wealth Services, Multinational Liability, Trade Credit Risk Solutions, and Surety Bonds.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Insurance coverage for individuals and families, including personal property and household protection needs.
• Commercial Insurance Insurance coverage placed for business clients to protect commercial assets, operations, and liability exposures.
• Life Insurance Life insurance products offered to individuals and families for protection and long-term planning.
• Health Insurance Health insurance products placed for individuals, families, and employer groups.
• Business Insurance Insurance products tailored to the needs of business clients, supporting protection of business operations and continuity.
• Marine Insurance Specialty marine insurance coverage reflecting the Falmouth coastal market, including marine-related personal and commercial exposures.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves1 record

Expansion highlights2 records

Direct peers

• The Hilb Group: Mid-Atlantic and Southeast-focused insurance brokerage with personal, commercial, and specialty lines including marine. Comparable as a privately held, founder-influenced brokerage pursuing growth through tuck-in acquisitions of smaller agencies.
• Gowrie Group: Independent insurance agency specializing in marine, equestrian, and personal lines for affluent coastal and recreational clients. Closely comparable to Smithwick and Mariners' marine/personal-lines focus on a high-net-worth customer base.
• Hiscox: Specialty insurer offering marine, small-business, and personal lines, often through independent agent partners. Comparable in marine and high-net-worth personal-lines coverage, though operating as a carrier rather than agency.
• RPS (Risk Placement Services): Specialty wholesale broker and managing general agency with strong marine and ocean cargo expertise. Comparable to Smithwick's marine specialty positioning, though operating more as a wholesale placement partner.
• Starkweather & Shepley Insurance: Northeast independent agency with a recognized marine and yacht insurance specialty alongside commercial and personal lines. Comparable on marine niche positioning, multi-line breadth, and regional independent-brokerage model.
• Cross Insurance: Large New England-based independent insurance agency offering personal, commercial, and specialty lines including marine. Comparable as a regional independent brokerage serving similar coastal markets with a multi-line product mix.

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with personal, commercial, employee benefits, and marine practices. Comparable in full-spectrum product offering, though at vastly larger scale and with national/international reach.
• Hub International: North American insurance brokerage with personal, commercial, and specialty practices including marine. Comparable as a consolidator of independent agencies and as a competitor in multi-line brokerage services.
• Acrisure: One of the largest U.S. insurance brokerages, built by acquiring hundreds of independent agencies. Comparable in product breadth and in being a consolidator of independent agencies of Smithwick's size.
• Marsh McLennan: Global leader in insurance brokerage and risk advisory with dedicated marine and personal-lines practices. Comparable as an industry incumbent that competes for the same client segments at the high end of the market.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/brownbrowninc
• Facebookfacebook.com/smithwickkennebunk
• LinkedInlinkedin.com/company/brown-brown
• Instagraminstagram.com/brownbrowninc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Smithwick and Mariners Insurance