Western States Insurance

Insurance Brokerage Servicesmmanorthwest.com

Marsh McLennan Agency Northwest (MMA Northwest) is a regional insurance brokerage and risk management agency serving personal and commercial clients across Idaho, Montana, Oregon, and Washington through 25+ offices and 750+ colleagues, operating as a subsidiary of global professional services firm Marsh & McLennan.

Company typePrivate
Founded-
HeadquartersHelena, United States
Headcount101–250
GTM typeB2B and B2C
OfferingServices

What Western States Insurance does

Western States Insurance operates as Marsh McLennan Agency Northwest (MMA Northwest), a regional insurance brokerage and risk management agency that is a subsidiary of Marsh & McLennan Agency LLC, itself part of global professional services conglomerate Marsh & McLennan. The company serves both personal and commercial insurance customers across four U.S. Northwest states — Idaho, Montana, Oregon, and Washington — through a network of 25+ offices staffed by 750+ colleagues, with executive leadership distributed across Helena, Spokane, and Missoula. The agency claims 50 years of operating history and is recognized as a Top Workplace, combining locally embedded agents with the global resources of its parent.

The product portfolio is structured as a full-service insurance agency rather than a unified software platform. Core offerings split into Personal Insurance (auto, home, renters, life, health, plus specialty lines including pet, RV, travel, umbrella, watercraft, and wedding) and Business Insurance spanning small business, construction, cybersecurity, agriculture, energy, healthcare, financial institutions, transportation, surety bonds, trade associations, and alternative risk (captive and self-insurance). A standalone Employee Health and Benefits practice handles group health and benefits administration. The most notable proprietary technology is the Risk Management Center, a secure web-based platform that consolidates certificate-of-insurance tracking, incident reporting, OSHA compliance, safety data sheet management, online employee training, behavior-based safety program building, job description creation, and HR program implementation for multi-location clients. Distribution is multi-channel: dedicated field agents across regional offices, an online quote and service portal with claims filing and payment processing, and channel partnerships (notably with Continental Owner Operators Ltd. for transportation and Bindable, LLC for online quoting).

The revenue model is commission-based and structurally traditional for the brokerage industry. The agency earns (a) commission income as a percentage of premium set by insurance carriers on each policy placed, (b) incentive payments from insurers based on volume and profitability of business placed, (c) client fees negotiated under separate written agreements, and (d) interest income on premiums collected from clients and forwarded to insurers via bank accounts. Pricing is quote-based, individually risk-assessed by carrier, not publicly disclosed, and billed monthly. The go-to-market is sales-led, with field agents as the primary acquisition and servicing motion for both personal and commercial clients, supplemented by self-serve digital quoting. Marketing channels include a content blog (e.g., 2026 Employee Benefits Market Outlook, severe weather guidance), organic social (Facebook, Instagram, Twitter, LinkedIn, YouTube), community programs (MMA Gives), and internal culture events (MMA Voices, allyship workshops).

Western States Insurance firmographics

Firmographics

Name: Western States Insurance
Legal name: Marsh & McLennan Agency LLC
Website: https://mmanorthwest.com
Company type: Private
Operating status: Operating
Headcount range: 101–250 employees
Short description: Marsh McLennan Agency Northwest (MMA Northwest) is a regional insurance brokerage and risk management agency serving personal and commercial clients across Idaho, Montana, Oregon, and Washington through 25+ offices and 750+ colleagues, operating as a subsidiary of global professional services firm Marsh & McLennan.
Ownership category
akta.pro rank

Western States Insurance industry classification

Industry

Product category: Insurance Brokerage Services
NAICS: 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), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

Insurance brokerage services
Commercial insurance solutions
Personal insurance coverage
Employee benefits administration
Risk management consulting

Where Western States Insurance is headquartered

Location

Headquarters

HQ city: Helena
HQ country: United States
HQ region: North America

Offices20 records

Markets served

Western States Insurance business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

Commission Income: Compensated for the sale of insurance products on a commission basis by insurance companies. Commission amount is a percentage of premium set by the insurance company.
Incentive Payments: Additional compensation from insurers based on the volume and profitability of their insurance products sold.
Client Fees: Fees charged to clients in addition to or in lieu of commission income, subject to separately negotiated written agreements.
Interest Income: Interest earned on premiums received from clients and forwarded to insurers through bank accounts, as well as premium finance fees.

Pricing tiers

Model	Billing	Price
Other	Monthly	Insurance products are priced based on individual risk assessment and carrier pricing

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Western States Insurance product offering

Product offering

Core offering

Western States Insurance operates as Marsh McLennan Agency Northwest, a regional insurance brokerage placing personal and commercial insurance policies on behalf of multiple carriers across Idaho, Montana, Oregon, and Washington. The agency sells home, auto, life, health, and specialty personal lines, alongside commercial coverages including construction, agriculture, healthcare, energy, cybersecurity, financial institutions, transportation, surety bonds, and employee health and benefits. It supplements brokerage with a proprietary web-based Risk Management Center platform for client safety, compliance, and certificate tracking.

Product overview

Marsh McLennan Agency Northwest operates as an insurance agency offering a portfolio of personal and commercial insurance products. The core offerings include Personal Insurance (auto, home, renters, life, health, pet, RV, travel, umbrella, watercraft, and wedding insurance) and Business Insurance (small business, construction, cybersecurity, agriculture, energy, healthcare, financial institutions, transportation, surety bonds, trade associations, and alternative risk coverage). Additional services include Employee Health and Benefits administration. The company also provides a proprietary Risk Management Center platform for clients to manage workplace safety, compliance tracking, certificate of insurance management, and incident reporting. The product portfolio is structured as a comprehensive insurance agency with multiple product lines rather than a unified software platform.

Differentiator

Problem solved

Functional benefit

Products and services

Personal Insurance Customized personal insurance plans covering home, auto, renters, life, health, pet, RV, travel, umbrella, watercraft, and wedding coverage for individuals and families across the Northwest US.
Business Insurance Commercial insurance programs for businesses including small business, construction, cybersecurity, agriculture, energy, healthcare, financial institutions, transportation, surety bonds, trade associations, and alternative risk coverage.
Employee Health and Benefits Employee benefits programs including group health insurance, wellness plans, and benefits administration services for employers.
Surety Bonds Surety bond services for businesses including contract bonds, commercial bonds, and court bonds.
Risk Management Center Comprehensive web-based platform for insurance risk management, workplace safety, compliance tracking, certificate of insurance management, incident reporting, safety data sheets, OSHA compliance, and HR program implementation for multi-location businesses.
Claims Services Claims filing and management assistance for policyholders to report and track insurance claims across personal and commercial lines.

Companies that use Western States Insurance

Customer profile

Named customers1 record

Segments7 records

Ideal customer profiles3 records

Western States Insurance technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature1 record

Western States Insurance partnerships and signals

Strategic signal

Partnerships

Two partnerships are on record, tiered minor and core.

COOL (Continental Owner Operators Ltd.)minorChannel Partner/ Reseller/ DistributorPartnership providing insurance solutions for owner operators in the transportation industry through COOL Members program.
Insurance Carriers (Multiple)coreChannel Partner/ Reseller/ DistributorStrong relationships with many of the nation's top insurance carriers enabling competitive coverage options. Marsh McLennan Agency is a legally appointed agent of multiple insurance companies.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Western States Insurance competitors and assessment

Company assessment

Direct peers

Leavitt Group: Leavitt Group is one of the largest privately-held regional insurance brokerages in the Western United States, with dense office coverage in the Pacific Northwest and Mountain West. It competes head-to-head with MMA Northwest for commercial and personal accounts across overlapping geographies.
Acrisure: Acrisure is a fast-growing, technology-enabled global insurance brokerage that competes with MMA Northwest in personal, commercial, and specialty lines. Its roll-up model and digital investments make it a relevant comparator for both regional growth and tech-enabled distribution.
Alliant Insurance Services: Alliant is a national commercial insurance brokerage offering specialty coverage across construction, energy, healthcare, financial institutions, and surety. It overlaps directly with MMA Northwest's industry-vertical commercial book and employee benefits practice.
PayneWest Insurance: PayneWest is a Northwest-focused commercial insurance brokerage serving Idaho, Montana, Oregon, and Washington with multiple offices across the region. It mirrors MMA Northwest's regional commercial focus, industry-vertical emphasis (construction, agriculture), and employee benefits practice.
Woodruff-Sawyer & Co. Woodruff-Sawyer is a West Coast-focused commercial insurance brokerage with expertise in construction, healthcare, real estate, and executive benefits. It is a comparable regional/specialty competitor to MMA Northwest in the Pacific Northwest commercial market.
Heffernan Insurance Brokers: Heffernan Insurance Brokers is a West Coast insurance brokerage serving commercial and personal lines clients with strong construction, technology, and nonprofit practices. Comparable to MMA Northwest's regional footprint and industry-vertical commercial emphasis.
Hub International: Hub International is a large North American insurance brokerage with significant Northwest US presence across personal, commercial, and employee benefits lines. It competes with MMA Northwest for mid-market commercial accounts and offers similar multi-line brokerage and risk advisory services.
Brown & Riding: Brown & Riding is a specialty insurance brokerage and risk management firm with expertise in commercial and complex lines including construction, surety, and energy. It is comparable to MMA Northwest's specialty commercial practice and alternative risk offerings.

Broad incumbents

Arthur J. Gallagher & Co. Gallagher is a Fortune 500 global insurance brokerage and risk management firm with deep Northwest presence. It competes with MMA Northwest across personal, commercial, employee benefits, and specialty lines, including surety, agriculture, and construction.
USI Insurance Services: USI is one of the largest U.S. insurance brokerages, serving mid-market and large commercial clients with property/casualty, employee benefits, and risk management consulting. Comparable to MMA Northwest in commercial brokerage, employee benefits, and risk advisory capabilities.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Western States Insurance financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Western States Insurance leadership team

Management profile

Number of profiles

Profiles7 records

Western States Insurance funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Western States Insurance M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Western States Insurance

What does Western States Insurance do?

Is Western States Insurance a public or private company?

Western States Insurance is a private company. It is classified as corporate owned and is currently operating.

When was Western States Insurance founded?

Western States Insurance was founded in -1. It employs 101 to 250 people.

Where is Western States Insurance based?

Western States Insurance is headquartered in Helena, United States, in the North America region.

How does Western States Insurance make money?

Four revenue lines are on record. Commission Income is the primary driver. The others are incentive Payments, client Fees and interest Income.

Who are Western States Insurance's main competitors?

Direct peers on record are Leavitt Group, Acrisure, Alliant Insurance Services, PayneWest Insurance, Woodruff-Sawyer & Co., Heffernan Insurance Brokers, Hub International and Brown & Riding. Broad incumbents are Arthur J. Gallagher & Co. and USI Insurance Services.

Does Western States Insurance have an API?

No public API is recorded for Western States Insurance.

What industry is Western States Insurance in?

Western States Insurance's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAEADAB, Commercial Lines Insurance Brokerage, with a secondary code of FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines). Its NAICS code is 52421 and its SIC code is 6411.