Clark Insurance Agency

What Clark Insurance Agency does

C3 Risk & Insurance Services is a privately held, multi-line commercial insurance brokerage founded in 2017 and headquartered in San Diego, California. The firm operates from six offices across California (San Diego, Folsom, Santa Barbara, Costa Mesa), North Carolina (Raleigh), and Missouri (Kansas City), and operates under the trading style 'C3 Insurance.' Its product portfolio spans Property & Casualty, Financial Services (life and wealth-linked products), Surety, Employee Benefits, and Personal Lines, supplemented by four specialty divisions: Construction, Transportation & Logistics (Trucking Proud), Cyber, and M&A/Private Equity Insurance Due Diligence. The firm describes a 'discovery-driven' advisory methodology in which producers and practice leaders perform deep operational risk assessments before placement, positioning C3 as a strategic advisor rather than a transactional broker.

The go-to-market is sales-led and relationship-driven, with a hybrid customer segmentation across Commercial Businesses (primary), Employee Benefits (primary), and high-net-worth Personal Lines clients. Distribution relies on a field sales team and dedicated client portals (AppliedPay for payments, Propeller.Insure for surety). Marketing is built around an annual 'State of the Market & Industry Insights Report,' recurring webinars on compliance and benefits topics, blog content, and presence on LinkedIn, Facebook, Instagram, and X. Revenue is generated primarily through insurance brokerage commissions on placed business, with annual billing cadences and quote-based pricing determined by risk profile and carrier underwriting criteria.

A material data inconsistency exists within the inputs: the firmographic header refers to a 'Clark Insurance Agency' (founded 2005, 16 employees, Raleigh, NC, goclarkinsurance.com), while all detailed corpus blocks describe C3 Risk & Insurance Services (founded 2017, San Diego HQ, six offices, 17+ named leadership/producer team, c3insurance.com). The substantive analysis below is drawn from the C3 corpus, which contains the overwhelming majority of verifiable detail (office locations, management team, products, customers, partnerships, and financial signals).

Name

Clark Insurance Agency

Legal name

C3 Risk & Insurance Services

Website

https://goclarkinsurance.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

C3 Risk & Insurance Services is a privately held multi-line insurance brokerage serving commercial, employee benefits, personal lines, and specialty clients across construction, transportation, cyber, and M&A/PE verticals from six U.S. offices.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance brokerage
• Commercial insurance
• Employee benefits consulting
• Personal lines insurance
• Surety bonding services

Headquarters

HQ city

Raleigh, NC

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: C3 Risk & Insurance Services generates revenue as an insurance brokerage, earning commissions from insurance carriers for placing business. The company offers multiple insurance products including Property & Casualty, Employee Benefits, Personal Lines, Surety, and specialty divisions covering Construction, Transportation & Logistics, Cyber, and M&A/Private Equity Insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Clark Insurance Agency operates as an insurance brokerage firm placing commercial and personal insurance coverage on behalf of clients. Core offerings include Property & Casualty, Financial Services, Surety, Employee Benefits, and Personal Lines, supplemented by specialty divisions covering Construction, Transportation & Logistics, Cyber, and M&A/Private Equity transactions. The firm earns commissions from insurance carriers by matching clients to appropriate coverage and providing ongoing risk management, claims advocacy, and advisory services.

Product overview

C3 Risk & Insurance Services is a multi-line insurance brokerage offering an integrated portfolio of commercial and personal insurance products. The core offerings include Property & Casualty, Financial Services, Surety, Employee Benefits, and Personal Lines. Specialty divisions provide specialized coverage for Construction, Transportation & Logistics (via Trucking Proud), Cyber, and M&A/Private Equity transactions. The firm also publishes annual market insights through the C3 State of the Market Report and provides client portal access for policy management and payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Property & Casualty Commercial property and casualty insurance coverage including general liability, auto liability, excess liability, and workers' compensation for businesses.
• Financial Services Life and financial services including life insurance products with investment features, living benefits, and financial security planning.
• Construction Specialty Division Specialized insurance solutions for construction industry including contractors, project-specific programs, and controlled insurance programs (CIPs).
• Transportation & Logistics Specialty Division Transportation insurance solutions including commercial auto, fleet insurance, and logistics coverage through Trucking Proud division.
• Cyber Specialty Division Cyber insurance and risk management including coverage for ransomware, data breaches, and cyber liability.
• M&A and Private Equity Insurance Due Diligence Insurance solutions and due diligence services for mergers, acquisitions, and private equity transactions.
• Surety Surety bonds and bonding services for construction and commercial clients.
• Employee Benefits Group health benefits, compliance consulting, HRAs, FSAs, HSAs, and employee benefit plan administration.
• Personal Lines Personal insurance coverage including home, auto, and high-net-worth client protections.
• C3 Client Portals Online client portal for policy management, payments, and claims access.

Quantifiable outcome

• 611+ registrations for Open Enrollment webinar event
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Two partnerships are on record, tiered minor.

• Lightship NeuroscienceminorStrategic or Co-development PartnerPartnership with Lightship Neuroscience to provide brain-based driver training for transportation clients through their Trucking Proud division. The program uses gamified neuroscience tools to help drivers recognize and retrain cognitive habits like distraction, fatigue, and delayed reaction times.
• Assurex GlobalminorChannel Partner/ Reseller/ DistributorC3 hosts webinars through Assurex Global's Zoom platform for regulatory and compliance topics including open enrollment, HSA/FSA/HRA education, and ERISA fiduciary duties.

Scale indicators2 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• USI Insurance Services: Large US insurance brokerage serving mid-market and commercial clients across P&C, employee benefits, and specialty lines. Comparable to C3's discovery-driven advisory approach and integrated service model.
• Brown & Brown, Inc. Large national insurance brokerage with a roll-up acquisition strategy and broad commercial and personal lines offerings. Directly comparable to C3's multi-line brokerage model and aggressive growth posture across multiple US regions.
• Marsh McLennan: Global insurance brokerage and risk advisory powerhouse with comprehensive commercial, benefits, and specialty offerings. Sets the competitive bar for C3's enterprise and specialty clients but does not target C3's mid-market niche.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with deep commercial, employee benefits, and specialty practices. Overlaps with C3 across P&C, EB, surety, and specialty divisions but operates at vastly larger scale and global footprint.
• Hub International Limited: North American insurance brokerage serving mid-market and commercial clients across P&C, benefits, and personal lines. Comparable to C3's multi-state, multi-line brokerage with specialty practices.

Others

• Assurex Global: International network of independent insurance brokerages that C3 partners with for carrier access and joint webinars. Network peer providing infrastructure that enables mid-market brokers like C3 to compete for larger, multinational accounts.

Direct peers

• Acrisure: Fast-growing, tech-enabled insurance brokerage that has scaled rapidly through roll-up acquisitions. Comparable to C3 in growth velocity and multi-line brokerage, but with substantially larger scale and proprietary technology investments.
• Woodruff Sawyer: West Coast-focused insurance brokerage serving mid-market and emerging-company clients across commercial, cyber, and management liability lines. Directly comparable to C3's California-centric, discovery-driven mid-market approach.
• Risk Strategies Company: Specialty-focused national insurance brokerage with deep practices in construction, transportation, cyber, and private equity/M&A — direct competitor to C3's specialty division strategy with similar mid-market and enterprise client focus.

Emerging players

• Burns & Wilcox: Specialty insurance wholesaler and brokerage focused on excess & surplus lines and specialty commercial risks. Comparable to C3's specialty divisions (Construction, Transportation, Cyber) in serving complex, hard-to-place risks for mid-market clients.

Market position

Strengths5 records

Weaknesses1 record

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/c3insured
• Facebookfacebook.com/C3insured
• LinkedInlinkedin.com/company/clark-insurance-agency
• Instagraminstagram.com/c3insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 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 Clark Insurance Agency