Islanders Insurance

What Islanders Insurance does

Islanders Insurance operates as Safe Harbor Insurance Agency, an independent insurance brokerage founded in 1980 in Friday Harbor, Washington, serving the San Juan Islands and Pacific Northwest. The agency is legally organized as Whitfield's United Insurance Agencies, Inc. and is co-owned by Tanasha Webb and Juan Unpingco. It offers personal lines (home, auto, boat, life, motorcycle, RV, flood, earthquake, Medicare) and commercial lines (general liability, commercial property, commercial auto, cyber liability, professional liability, bonds, workers compensation), plus industry-specific programs for construction, marine, logging, restaurants, manufacturing, and technology.

The agency's technology backbone is delivered through its 2019 affiliation with Leavitt Group Northwest, a large regional insurance services network. This provides access to multi-carrier platforms (InsurLink Portal for client self-service, Leavitt Risk Management Center for loss control, online quoting and payments) and licensing across 12+ states. However, the agency itself operates as a traditional local brokerage relying on licensed insurance producers and direct client relationships rather than proprietary technology.

The business model is a standard independent agency commission structure: the agency earns roughly 12.5% in commission on premiums placed with carriers such as AIG, Allianz, CHUBB, CNA, Liberty Mutual, Nationwide, and Travelers, plus potential contingent commissions based on volume and loss experience. Go-to-market is sales-led and relationship-driven, with top-of-funnel awareness via community engagement and referral networks, and bottom-of-funnel conversion through licensed local advisors. Reporting lines indicate a small operating team of 6-11 staff, and the agency is reported as a continuing operation under Leavitt Group Northwest with no external funding or institutional investment.

Name

Islanders Insurance

Legal name

Whitfield's United Insurance Agencies, Inc.

Website

https://islandersinsurance.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

1–10 employees

Short description

Islanders Insurance (Safe Harbor Insurance Agency) is an independent insurance brokerage in Friday Harbor, Washington, serving San Juan Islands residents and businesses with personal, commercial, and specialty insurance since 1980, affiliated with Leavitt Group Northwest.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance brokerage
• Employee benefits consulting
• Insurance risk management

Headquarters

HQ city

Friday Harbor, Washington

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, Infrastructure

Revenue model

1. Insurance Commissions: Earn commissions from insurance carriers for placing policies. Standard independent agency model working with multiple insurance companies to find best coverage options for clients.
2. Contingent Commissions: Annual contingent commissions based on volume and loss experience with insurers. Agency average commission rate approximately 12.5% of total premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Islanders Insurance operates an independent insurance brokerage selling personal lines (home, auto, life, boat, motorcycle, RV, Medicare, flood, earthquake, identity theft), commercial lines (general liability, commercial property, commercial auto, umbrella, cyber, professional liability, surety, inland marine), industry-specific programs (construction, logging, marine, restaurant, manufacturing, trucking, healthcare, technology), and employee benefits (group health, HR support, wellness, voluntary products). The agency places coverage with multiple national and regional carriers, leveraging its 2019 affiliation with Leavitt Group Northwest for broader product and pricing access.

Product overview

Safe Harbor Insurance Agency is a locally-owned independent insurance agency in Friday Harbor, Washington, serving the San Juan Islands and Pacific Northwest since 1980. As part of Leavitt Group Northwest, it operates as a multi-product insurance broker offering personal insurance (home, auto, life, boat, motorcycle, RV, Medicare), business insurance (commercial property, liability, auto, umbrella, cyber, professional liability), and employee benefits (group health, HR support, wellness). The agency serves various industries including construction, logging, marine, manufacturing, restaurants, trucking, and technology. As an independent agency, it works with multiple trusted carriers to provide competitive coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal lines coverage for individuals and families in the San Juan Islands and Pacific Northwest, including home & condo, car, life, boat, motorcycle, ATV, RV, flood, earthquake, identity theft, health, Medicare supplement, long-term care, and private client/high-net-worth coverage. Delivered through multiple trusted Washington carriers with personalized in-person advisory.
• Business Insurance Commercial lines coverage for local businesses including general liability, commercial property, commercial auto, workers compensation, commercial umbrella/excess, flood & earthquake, inland marine, professional liability, executive liability, cyber liability, and bonds/surety. Sold to small and mid-sized Pacific Northwest businesses through dedicated commercial producers.
• Employee Benefits Employer-sponsored benefits packages including group health insurance, small group plans (typically 2-50 employees), HR support services, wellness programs, voluntary products (dental, vision, supplemental), and plan development/design services. Targeted at small group employers in the Pacific Northwest.
• Industry-Specific Insurance Programs Specialty insurance programs tailored to specific Pacific Northwest industries, including construction, logging, commercial marine, restaurant, grocery store, manufacturing, trucking, warehouse/logistics/transportation, HVAC/plumber/electrician, habitational, healthcare practices, attorneys, water well drilling, technology practices, and fly fishing lodge & resort coverage. Designed for businesses with industry-specific risk profiles.
• Loss Control and Safety / Risk Management Services Risk management and loss prevention services for business policyholders, including safety program development and workplace safety support, delivered via the Leavitt Risk Management Center web-based toolset.
• Claims Management Claims handling and management services to assist business and personal policyholders through the claims process, supported by the InsurLink client portal for digital claims and request submission.

Quantifiable outcome

• Serving San Juan Islands since 1980 - over 40 years of community service

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

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• Leavitt Group NorthwestcoreStrategic or Co-development Partner · 1 January 2019Safe Harbor Insurance joined Leavitt Group Northwest in 2019, gaining greater access to insurance resources and carrier options while maintaining local service identity. This affiliation expanded their ability to serve customers across Washington and eleven other states.
• Insurance Carriers (AIG, Allianz, AmTrust, CHUBB, CNA, Liberty Mutual, Nationwide, Travelers, etc.)coreChannel Partner/ Reseller/ DistributorAs an independent insurance agency, Safe Harbor works with multiple insurance carriers to provide customers with diverse coverage options and competitive pricing. Represents top national and regional insurance companies.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Burns & Wilcox: Specialty insurance wholesaler and brokerage placing complex commercial and personal risks with multiple carriers; comparable in independent multi-carrier distribution approach, particularly for specialty lines like marine and construction that Islanders emphasizes.
• Leavitt Group Northwest: The parent network of independent insurance agencies that Islanders Insurance is affiliated with; operates the same independent agency brokerage model across multiple Pacific Northwest locations with shared carrier access and back-office resources.
• Shelter Insurance: Regional mutual insurance carrier with a captive-style agent model selling personal and commercial lines through local offices; comparable in physical-local-office, multi-line independent distribution serving small communities.
• RPS (Risk Placement Services): Independent insurance wholesale broker distributing specialty commercial and personal coverage across multiple carriers; comparable in multi-carrier brokerage model and specialty line focus such as marine and habitational risk.
• Frankenmuth Insurance: Regional insurance carrier distributing through an independent agent network across the Midwest and beyond; comparable independent-agency distribution model and emphasis on relationship-based local service.

Regional players

• PEMCO Insurance: Seattle-headquartered Pacific Northwest insurer and agency operation with strong personal lines focus; a comparable regional carrier-distributor operating in the same Washington market with overlapping customer base and similar agency partnerships.
• The Mutual Group (formerly Mutual of Enumclaw): Pacific Northwest-based mutual insurance company and agency network serving Washington and Oregon with personal and commercial lines; directly comparable given overlapping geography, similar independent distribution model, and comparable community-focused positioning.

Broad incumbents

• HUB International: Large North American insurance brokerage with significant Pacific Northwest operations; offers overlapping personal and commercial brokerage capabilities but at far greater scale, including multi-state and specialty lines.
• Aon: Global insurance and reinsurance brokerage offering personal, commercial, and employee benefits placement; comparable in offering the full multi-line spectrum that Islanders provides, but at vastly larger scale and enterprise focus.
• Marsh McLennan: Global insurance brokerage and risk management firm with broad personal, commercial, and benefits capabilities; comparable product breadth but serves primarily enterprise clients rather than Islanders' SMB and consumer focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/getsafeharbor
• LinkedInlinkedin.com/company/islanders-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Islanders Insurance