What ASZ International does

SterlingRisk (legal entity Sterling & Sterling LLC) is a privately held insurance brokerage and risk management services firm founded in 1932 and headquartered in Woodbury, New York. The firm employs more than 220 insurance professionals across offices in New York, New Jersey, Connecticut, Florida (Destin, functioning as the Aviation division hub), Georgia, California, and Indiana, serving regional, national, and international clients. SterlingRisk is ranked among the nation's Top 40 Privately Held Insurance Brokerages and is a Top 100 P&C Agency per Insurance Journal. The firm is family-owned, led by President David A. Sterling, with no disclosed private equity, venture capital, or external institutional ownership.

The firm's product portfolio spans commercial lines — Commercial Property & Casualty, Cyber Insurance, Employee Benefits, Captives, Surety Bonds, Trade Credit Insurance, International Insurance, Management Liability, Representations & Warranties Insurance, Data Center Insurance Solutions, and Financial Insurance Products — alongside personal lines targeted at high-net-worth individuals and families, including Private Client Solutions, Family Office, Life Insurance, Yacht Coverage, and umbrella coverage. Industry-specific practices include Construction, Aviation, Auto Services & Transportation, Real Estate, Hospitality, Environmental Services, Manufacturing, Healthcare, Education, Financial Services, Music/Sports/Entertainment, and Professional Services. Layered on top of placement is an integrated risk management consulting practice covering Claims Advocacy, Loss Control, Workers' Compensation Audit & Recovery, and Third-Party Claims Administration delivered through the wholly-owned ES&P subsidiary. SterlingRisk also acts as managing general agent for IncomeAssure, a supplemental unemployment insurance product, and launched Sterling New Age Cyber in 2020 through a partnership with Elpha Secure. The technology stack is largely conventional — Google Analytics, cookie/tracking tooling, and a BoldPenguin-powered SMB quote channel — with no proprietary AI/ML capability disclosed.

SterlingRisk operates a sales-led go-to-market with direct enterprise relationships managed by industry-dedicated account executives and claims professionals out of its national headquarters and regional offices, augmented by a small-business self-serve online quote channel through BoldPenguin. Revenue is generated primarily through insurance placement fees and commissions, with the potential for contingent payments and extra commissions from insurers tied to growth, retention, and loss experience — a structure typical of the brokerage industry. Pricing is quote-based and not publicly disclosed, with annual billing cadence on placed policies. The firm has been certified as a Great Place to Work, is SOC 2 Type II audited, and has been recognized by Business Insurance magazine as one of the nation's leading insurance brokers.

Name

ASZ International

Legal name

Sterling & Sterling LLC

Website

https://aszinternational.com

Company type

Private

Founded year

1932

Operating status

Operating

Headcount range

11–50 employees

Short description

SterlingRisk (Sterling & Sterling LLC) is a privately held U.S. insurance brokerage and risk management firm, founded 1932, with 220+ professionals across offices in seven states serving commercial enterprises and high-net-worth individuals through P&C, cyber, employee benefits, captives, and aviation/construction specialty practices.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

Insurance Due Diligence & Transaction Risk Advisory (M&A, W&I) (FSAEADAM), Trade Credit Insurance Brokerage (FSAEADAL)

Keywords

• Commercial insurance brokerage
• Property casualty insurance
• Risk management consulting
• Employee benefits consulting
• Private client insurance

Headquarters

HQ city

Valhalla

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Placement Fees and Commissions: Sterling & Sterling LLC DBA SterlingRisk receives fees and/or commissions directly for the placement of insurance coverages. They sometimes use other parties as intermediaries in the placement of insurance policies, and those third parties may also receive fees/commissions. They may also receive contingent payments or extra commissions from some insurers based on overall performance with respect to growth, retention, and loss experience.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

ASZ International operates as an insurance brokerage and risk management services firm that places commercial and personal insurance coverages with leading carriers and provides integrated risk consulting. The firm delivers a multi-line insurance portfolio across property and casualty, cyber, captives, surety, trade credit, employee benefits, and high-net-worth personal lines, complemented by claims advocacy, loss control, and workers' compensation audit services.

Product overview

SterlingRisk Insurance is a diversified insurance brokerage and risk management services firm offering a comprehensive portfolio of insurance products and consulting services. The company provides core insurance offerings including Commercial Property & Casualty, Employee Benefits, Cyber Insurance, Captives, and Personal Insurance (Private Client Solutions, Life Insurance, Yacht Coverage). These are complemented by specialized Risk Management Services including Claims Advocacy, Loss Control Consulting, Workers' Compensation Audit, and Third-Party Claims Administration through their ES&P subsidiary. The company also offers industry-specific solutions across sectors such as Construction, Aviation, Auto/Transportation, Real Estate, Healthcare, and Financial Services. Additionally, SterlingRisk manages IncomeAssure, a supplemental unemployment insurance product. The architecture is structured as a full-service insurance brokerage with risk management consulting integrated into their offerings.

Differentiator

Problem solved

Functional benefit

Brands

• IncomeAssure: Supplemental unemployment insurance product offered by SterlingRisk, providing up to 50% of former weekly salary when an individual is involuntarily unemployed
• Essential Service and Programs (ES&P)

Products and services

• Auto Services & Transportation Insurance Specialized insurance coverage for auto services companies and tow truck operators, including garage liability, garagekeepers insurance, commercial auto, on-hook towing, cargo, and pollution liability coverage.
• Commercial Property & Casualty Insurance Commercial property and casualty insurance products protecting businesses against property damage, liability, and operational risks.
• Employee Benefits Employee benefits consulting services including health insurance, retirement planning, and workforce benefit programs.
• Financial Insurance Products Insurance products designed for the financial services industry including professional liability and coverage for financial institutions.
• International Insurance International insurance solutions for businesses operating across multiple countries and jurisdictions.
• Small Business Insurance Insurance solutions tailored for small businesses including property, liability, and workers' compensation coverage.
• Cyber Insurance Coverage protecting businesses against cyber threats, data breaches, and technology-related liabilities.
• Captives Group captives division offering alternative risk transfer solutions to help control costs and generate profits.
• Trade Credit Insurance Protection against non-payment of commercial debt and credit risks in domestic and international trade.
• Surety Bonds Surety bond products for contractors and businesses requiring financial guarantees for contract performance.
• Data Center Insurance Solutions Specialized insurance coverage for data center operations including property, liability, and business interruption coverage.
• Representations & Warranties Insurance Insurance protecting against breaches of representations and warranties in business transactions and M&A deals.
• Management Liability Coverage for corporate executives and directors against claims related to management decisions and governance.
• Aviation Insurance Aviation insurance coverage for commercial and private aircraft operators, including coverage for aviation-related businesses and personnel.
• Construction Insurance Insurance solutions for construction companies including builders risk, general liability, and contractors' equipment coverage.
• Personal Insurance Personal insurance solutions including home, auto, umbrella, yacht, and life insurance for high-net-worth individuals and families.
• Private Client Solutions Concierge-level insurance services for high-net-worth clients including coverage for homes, fine art, jewelry, yachts, and aircraft.
• Family Office Comprehensive property and casualty solutions for wealthy families with complex risks, assets, and liabilities.
• Life Insurance & Estate Planning Life insurance and estate planning solutions for personal, family, and business affairs.
• Yacht Coverage Custom insurance programs for watercraft of all sizes from recreational boats to mega yachts.
• Risk Management Services Risk management consulting including claims advocacy, loss control consulting, workers' compensation audit services, and third-party claims administration.
• Claims Advocacy & Consulting Advocacy services during the claims process to ensure maximum benefits from insurance policies.
• Loss Control Consulting In-depth analysis of business exposures and development of practical solutions to manage operational risks.
• Workers' Compensation Audit & Recovery Audit services ensuring proper class codes, payrolls, rates, and experience modification rates to optimize workers' compensation premiums.
• Third-Party Claims Administration (ES&P) Essential Services and Programs (ES&P) provides third-party claims administration through their independent administrator, securing excellent results in claims handling with cost-effective resolutions.
• IncomeAssure Supplemental unemployment insurance providing up to 50% of former weekly salary when an individual is involuntarily unemployed.

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• Essential Services and Programs (ES&P)coreOthersES&P is SterlingRisk's independent third-party administrator that secures excellent results in claims handling while pressing for quick and cost-effective resolutions. Located at essentialsp.com.
• IncomeAssurecoreOthersSterlingRisk is the managing general agent for IncomeAssure, a supplemental unemployment insurance product that provides up to 50% of former weekly salary for involuntarily unemployed individuals.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Aon: Global professional services firm with major P&C brokerage and risk consulting operations. Comparable to SterlingRisk in core P&C and risk management offerings but with a far larger global platform and broader consulting footprint.
• Marsh McLennan: Global insurance and risk management services firm offering P&C brokerage, risk consulting, and specialty practices including aviation and construction. Comparable specialty vertical offerings to SterlingRisk but at enterprise/global scale.
• Arthur J. Gallagher & Co. Major publicly traded global insurance broker with broad P&C, employee benefits, and risk management capabilities. Comparable product breadth to SterlingRisk but operating at vastly larger scale and across global markets.

Direct peers

• Hilb Group: Mid-market insurance brokerage with regional and multi-state operations across commercial and personal lines. Comparable to SterlingRisk on multi-state presence, mid-market commercial/EB mix, and privately held ownership structure.
• Lockton Companies: Largest privately held insurance broker globally with strong specialty and mid-market commercial practice. Closely comparable to SterlingRisk on private ownership, specialty focus, and entrepreneur-led culture, but operating at significantly larger scale.
• Hub International: PE-backed insurance brokerage consolidator with multi-state presence and broad P&C plus employee benefits offerings. Comparable to SterlingRisk in P&C/EB mix, multi-state footprint, and middle-market customer segment, with material scale advantage.
• USI Insurance Services: Large, privately held national P&C and employee benefits broker with deep industry specialization in construction, real estate, aviation, and financial services. Closely comparable to SterlingRisk in product breadth, vertical specialization, private ownership, and mid- to large-market client focus.
• Brown & Brown: National insurance brokerage serving commercial, personal, and employee benefits lines with strong industry specialization including construction and hospitality. Public peer of comparable scale and product mix to SterlingRisk with similar specialty-vertical strategy.
• RPS Insurance Brokerage (Risk Placement Services): Specialty insurance brokerage with strong practice areas in construction, transportation, and other commercial verticals. Comparable to SterlingRisk in industry-specific specialty focus and mid-market commercial client profile.

Emerging players

• Acrisure: PE-backed insurance brokerage roll-up that has rapidly consolidated mid-market brokers across the U.S. Comparable to SterlingRisk in P&C and personal lines focus but distinguished by aggressive acquisition-led growth versus SterlingRisk's organic family-ownership model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ASZAssociates
• YouTubeyoutube.com/channel/UCMxkfe22ed_v2RNPH5nFNYg
• Facebookfacebook.com/SterlingRisk
• LinkedInlinkedin.com/company/asz-international-inc-
• Instagraminstagram.com/sterlingrisk

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 ASZ International