Matsukawa Insurance Agency

Name

Matsukawa Insurance Agency

Legal name

Matsukawa Insurance Agency, Inc.

Website

https://matsukawainsurance.com

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Personal insurance brokerage
• Commercial insurance brokerage
• Independent insurance agency
• Property casualty insurance
• Life insurance services

Headquarters

HQ city

Wahiawa

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, Technology or R&D

Revenue model

1. Insurance Commissions: Matsukawa Insurance Agency earns commissions from insurance carriers for policies placed. Commissions are typically a percentage of premium collected, creating recurring revenue as clients renew policies annually. Agency represents multiple insurance carriers (independent agency model) to offer diverse coverage options to clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Matsukawa Insurance Agency is an independent insurance brokerage that places personal and commercial insurance policies on behalf of clients through multiple carrier relationships. The agency earns commissions from these carriers for policies written and renewed, tailoring coverage packages to individuals, families, and small-to-medium Hawaii businesses across lines such as homeowners, auto, life, commercial property, general liability, and workers' compensation.

Product overview

Matsukawa Insurance Agency is a traditional insurance agency providing a comprehensive portfolio of personal and business insurance products. The agency offers 10 personal insurance products including Homeowners, Automobile, Condo Unit-Owners, Renters, Dwelling Fire, Personal Umbrella, Flood, Life, Critical Illness, and Long Term Care insurance. For business clients, the agency provides 10 business insurance products including Business Automobile, Business Loss of Income, General Liability, Umbrella Liability, Commercial Property, Temporary Disability Insurance, Workers' Compensation, Employment Practices Liability Insurance, Garage, and Bonds. The agency specializes in custom-tailoring complete insurance packages to meet precise individual or business needs, with a focus on personalized service and local expertise serving Hawaii since 1936.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Coverage protecting homeowners against property damage, loss, and liability related to their primary residence.
• Automobile Insurance Coverage protecting vehicle owners against accidents, theft, and liability arising from vehicle operation.
• Condo Unit-Owners Insurance Coverage tailored for condominium unit owners, protecting against property damage and liability within the unit.
• Renters Insurance Coverage protecting renters against loss of personal property and personal liability.
• Dwelling Fire Insurance Coverage protecting residential property owners against fire damage and related losses.
• Personal Umbrella Insurance Additional liability coverage extending beyond the limits of primary auto and homeowners policies.
• Flood Insurance Coverage protecting against flood-related property damage, typically offered as a separate policy or rider.
• Life Insurance Coverage providing financial protection to beneficiaries upon the policyholder's death.
• Critical Illness Insurance Coverage providing a lump-sum payment upon diagnosis of specified serious illnesses.
• Long Term Care Insurance Coverage helping cover costs of long-term care services such as nursing homes, assisted living, and in-home care.
• Business Automobile Insurance Coverage protecting business vehicles and operations against accidents, damage, and liability.
• Business Loss of Income Insurance Coverage compensating businesses for lost income following a covered peril or disaster.
• General Liability Insurance Coverage protecting businesses against third-party claims for bodily injury, property damage, and advertising injury.
• Umbrella Liability Insurance Additional liability coverage extending beyond the limits of underlying business policies.
• Commercial Property Insurance Coverage protecting business property including buildings, equipment, inventory, and furnishings against damage or loss.
• Temporary Disability Insurance Coverage providing benefits to employees unable to work due to non-work-related disabilities.
• Workers' Compensation Insurance Coverage providing medical and wage benefits to employees injured or ill due to work-related circumstances.
• Employment Practices Liability Insurance Coverage protecting businesses against claims from employees regarding discrimination, wrongful termination, and harassment.
• Garage Insurance Coverage for automotive dealers and garage operations, protecting against property damage, liability, and auto inventory losses.
• Bonds Surety bonds providing financial guarantees for contract fulfillment, license requirements, and other business obligations.

Named customers5 records

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 indicators2 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• GEICO: Direct-to-consumer auto insurer with strong Hawaii marketing presence. Represents the digital-first competitive threat to traditional agencies like Matsukawa.
• Allstate: Major national insurance carrier offering personal lines through captive and independent agents, including Hawaii operations where Matsukawa competes. Lauren Kurosu previously worked at Allstate.
• State Farm: Largest U.S. personal lines insurer with significant Hawaii presence through captive agents. Represents a primary competitor for Matsukawa's personal lines book of business.

Direct peers

• Island Insurance: Hawaii's largest locally managed insurance company, providing personal and commercial coverage through agents. Comparable in Hawaii market focus, multi-line offerings, and relationship-driven distribution.
• Queen City Agency: Independent insurance agency in Hawaii providing personal and business insurance solutions. Comparable in independent agency model and Hawaii market specialization.
• First Insurance Company of Hawaii: Hawaii-based property and casualty insurance carrier and agency serving families and businesses statewide. Comparable as a Hawaii-focused insurance intermediary with personal and commercial lines offerings.
• Atlas Insurance Agency: Independent insurance agency headquartered in Hawaii, offering personal and commercial insurance solutions across the islands. Directly comparable in independent agency model, multi-line product portfolio, and Hawaii market focus.
• DTRIC Insurance: Hawaii-based insurance underwriter offering personal and commercial lines through independent agents. Comparable in Hawaii market presence and product breadth across personal and commercial segments.

Emerging players

• Lemonade: InsurTech disruptor offering AI-driven direct-to-consumer insurance, including renters and home. Represents the structural digital threat to relationship-led independent agencies.

Regional players

• Aona Hawaii: Hawaii-based insurance and risk management agency serving businesses across the islands. Comparable in Hawaii market focus and commercial lines emphasis.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/matsukawa-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Matsukawa Insurance Agency