American Risk Advisors

What American Risk Advisors does

American Risk Advisors is a private, for-profit insurance agency headquartered in Melville, United States, founded in 2018. The firm distributes commercial insurance programs concentrated in three lines: construction, commercial real estate, and business owner's policy. Its employee headcount is reported in the 11–50 range, placing it in the small-business segment of the U.S. insurance brokerage market.

The company's revenue model is not disclosed in the available data, but as a licensed insurance agency it would typically earn commissions on policies placed with carriers, supplemented by possible service or consulting fees on specialized commercial accounts. The firm operates a public-facing website at useara.com; however, the only retrievable content during data collection was a security/verification page ('One moment, please…'), and no product detail, technology stack, carrier panel, leadership roster, or pricing information was surfaced. No apps, APIs, proprietary platforms, or AI-driven underwriting tools were disclosed.

The investment-relevant evidence base is thin. The firm does not appear in third-party coverage within the provided input, and no funding rounds, M&A activity, partnerships, regulatory actions, awards, patents, or leadership changes were documented. As a result, American Risk Advisors should be evaluated as a small, privately held commercial-lines agency with limited observable signal beyond its stated service lines, headcount range, founding year, and U.S. domicile — a profile in which most analytical dimensions (technology depth, customer concentration, expansion velocity, AI capability) cannot be assessed from the data on hand.

Name

American Risk Advisors

Website

https://useara.com

Company type

Private

Founded year

2018

Headcount range

11–50 employees

Short description

American Risk Advisors is a privately held U.S. insurance agency founded in 2018 and based in Melville, distributing construction, commercial real estate, and business owner's insurance programs to commercial clients.

Ownership category

akta.pro rank

Headquarters

HQ city

Melville

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Core offering

American Risk Advisors is a private insurance agency that places and services commercial insurance programs tailored to construction, commercial real estate, and business owner clients. The firm operates as an intermediary connecting insureds with carrier offerings in these specialized commercial lines.

Differentiator

Problem solved

Functional benefit

Products and services

• Construction Insurance Program

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Broad incumbents

• Acrisure: Tech-enabled, fast-growing insurance brokerage that has aggregated hundreds of agencies. Relevant as both a large-scale competitor in commercial P&C and a consolidator that could acquire ARA-style specialty agencies.
• USI Insurance Services: Large US commercial insurance brokerage serving mid-market and larger commercial accounts, including construction and real estate. Comparable in target customer profile but materially larger and more diversified.
• Amwins: Specialty insurance wholesaler focused on placing complex commercial risks, including construction. Competes for the same specialty construction premium dollars via retail-agent relationships similar to those ARA cultivates.
• HUB International: Large North American insurance brokerage with deep commercial property, construction, and real estate practices. Competes with ARA for the same construction and CRE clients, but at much broader scale and with national carrier leverage.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with dedicated construction and real estate practices. Overlaps with ARA in target verticals and product set, but operates at vastly larger scale and with global carrier access.

Direct peers

• Brown & Riding: Specialty insurance brokerage with a strong construction and commercial property practice. Closely comparable to American Risk Advisors' construction and CRE insurance focus, though at significantly larger scale.
• RPS (Risk Placement Services): Wholesale/specialty insurance broker serving retail agents with hard-to-place commercial risks, including construction. Operates upstream of ARA's retail agency function but competes for the same specialty construction/CRE premium dollars.
• World Insurance Associates: Growing commercial and personal lines insurance agency with a footprint across the Northeast, including New York. Comparable as a regional commercial agency with M&A-driven growth and overlapping commercial product mix.
• Foundation Risk Partners: Mid-market commercial insurance agency built through roll-ups of specialty retail agencies. Closely comparable as a multi-vertical commercial P&C agency, with active acquirer behavior that represents both a peer and a potential exit path for ARA.
• Burns & Wilcox: Specialty insurance broker placing complex commercial and excess & surplus lines, including construction-related risks. Comparable in product mix (specialty commercial placement) and in serving similar mid-market construction and CRE accounts.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat2 records

Key risks5 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/american-risk-advisors-inc

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 American Risk Advisors