W.F. Clayton & Associates, LLC

What W.F. Clayton & Associates, LLC does

W.F. Clayton & Associates, LLC is a managing general agency (MGA) that underwrites and distributes specialty insurance exclusively for public passenger transportation operators in the United States. The company is organized as an LLC and operates as a subsidiary of The Hilb Group, headquartered at One International Blvd., Suite 405 in Mahwah, New Jersey, with a disclosed headcount of six employees. Its product portfolio is built around four core commercial coverages — Commercial Auto, General Liability, Umbrella, and Workers' Compensation — supplemented by Loss Control Services, and packaged into five specialty transportation programs: Charter Bus, School Bus, Limousine, Taxi, and Para-Transit/Social Service.

The company's go-to-market is B2B-only: it does not sell directly to operators but works exclusively through an independent network of retail insurance agents across the country who submit business on behalf of transportation clients. New business submissions flow through a dedicated marketing contact and require standardized documentation including ACORD applications, supplemental applications, loss runs, and motor vehicle reports. Coverage is quote-based and customized per risk, with limits, deductibles, and forms (including proprietary forms alongside standard market offerings) tailored to each insured's exposure profile.

The business model is commission-based MGA economics: revenue is generated through the underwriting and distribution of insurance premiums to retail agents, who then serve the end-policyholders. Differentiators cited include decades of underwriting experience in classes (e.g., paratransit and social service transportation) that mainstream carriers typically decline, relationships with multiple industry-leading loss control service providers, and capacity for excess limits via established market relationships. The company has been recognized via the parent Hilb Group on the Inc5000 list of America's fastest-growing private companies and the Insurance Journal Top 100 P/C Agency ranking. No technology platform, mobile application, API, AI/ML capabilities, or public revenue disclosures were identified in the source material.

Name

W.F. Clayton & Associates, LLC

Legal name

W.F. Clayton & Associates, LLC

Website

https://wfclayton.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

W.F. Clayton & Associates is a six-employee managing general agency and subsidiary of The Hilb Group that underwrites and distributes specialty insurance exclusively to U.S. public passenger transportation operators via an independent retail agent network.

Ownership category

akta.pro rank

Product category

Transportation Insurance

NAICS

Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industries

Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Transportation insurance
• Commercial auto coverage
• Managing general agency
• Public transportation programs
• Commercial liability insurance

Headquarters

HQ city

Mahwah

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Premium Distribution: As a managing general agency, W.F. Clayton earns revenue by underwriting and distributing insurance products (commercial auto, general liability, umbrella, workers compensation) to retail agents who serve public transportation operators. Revenue is generated through insurance premiums collected from policyholders.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

W.F. Clayton & Associates is a managing general agency (MGA) that distributes specialized transportation insurance products (commercial auto, general liability, umbrella, and workers' compensation) to retail insurance agents nationwide. The company provides customized insurance coverage for public passenger transportation operators including charter bus, taxi, school bus, limousine, and paratransit operators, under both standard and proprietary insurance forms. Revenue is generated through insurance premiums and underwriting margins on policies placed through its independent retail agent network.

Product overview

W.F. Clayton & Associates is a managing general agency specializing in transportation insurance, offering a comprehensive portfolio of insurance products and services. The core offerings include Commercial Auto, General Liability, Umbrella, and Worker's Compensation insurance products, supplemented by Loss Control Services. Their specialty products focus on public passenger transportation segments including Charter Bus, Taxi, School Bus, Limousine, and Para Transit insurance programs. The company operates as an insurance wholesaler working with an independent network of retail agents across the country to provide insurance solutions to transportation operators.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Auto Insurance Customizable auto coverage for public passenger transportation insurance, offering auto liability, physical damage, and statutory coverages tailored to each risk profile.
• General Liability Insurance Commercial general liability policy protecting insureds against bodily injury and property damage arising from operations, premises, products, and completed operations.
• Umbrella Insurance Umbrella and excess policies providing coverage for claims in excess of primary commercial automobile, general liability, and workers' compensation policy limits.
• Workers' Compensation Insurance Workers' compensation coverage addressing medical, disability, rehabilitation, funeral, and death benefits as mandated by state laws for work-related injuries or illnesses.
• Loss Control Services Access to industry-leading loss control service providers and resources to help insureds manage and mitigate transportation industry risks.
• Charter Bus Insurance Full range of insurance solutions for motor coach, commuter/sightseeing, and transit bus industries, covering operations from a single bus to large fleets.
• Taxi Insurance Specialized taxi insurance addressing the unique insurance exposures that taxi operators face in both large cities and suburban towns.
• School Bus Insurance Insurance for privately owned school bus operators covering traditional school operations, field trips, sports work, and mixed fleets with school and charter exposure.
• Limousine Insurance Competitive insurance products for classic stretch limousines, luxury SUVs, sedans, and limo buses, with fleet and individual coverage options.
• Para Transit and Social Service Insurance Specialized insurance for paratransit and social service transportation operators, addressing risks unique to this class of business that many carriers avoid.

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• The Hilb GroupcoreOthersW.F. Clayton & Associates is a subsidiary/brand of The Hilb Group, a national insurance agency. The company operates as part of the Hilb Group network, utilizing shared resources including marketing platforms, corporate news, and safety newsletter infrastructure.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Lancer Insurance Company: Lancer Insurance is a specialty carrier/MGA focused on the passenger transportation industry (taxi, livery, limousine, bus), offering commercial auto, general liability, and physical damage coverages through agents. Direct competitor to W.F. Clayton in the same niche classes and the same retail-agent distribution model.
• RLI Corp: RLI is a specialty P&C insurer with niche commercial auto and small-fleet capabilities written through agents. Comparable to W.F. Clayton on agent-distributed specialty underwriting and risk-acceptance for non-standard transportation accounts.
• National Interstate Insurance Company: National Interstate is a specialty insurance group with deep concentration in passenger transportation, charter bus, limousine, and paratransit risks. Highly comparable to W.F. Clayton on underwriting niche, product mix (commercial auto, GL, workers' comp), and agent-driven distribution.

Broad incumbents

• Progressive Commercial: Progressive is one of the largest U.S. commercial auto insurers, writing fleet, for-hire, and specialty transportation business via agents and direct channels. Comparable on commercial auto underwriting but competes primarily in commoditized segments, not the deep paratransit/limo niches W.F. Clayton serves.
• Acuity Insurance: Acuity is a regional P&C carrier with a meaningful commercial auto and fleet transportation book written through independent agents. Comparable on commercial auto underwriting and agent channel but operates at significantly larger scale across multiple lines.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage that places transportation and fleet risks with carriers, sometimes operating MGA-style program administration. Comparable on insurance intermediation and transportation risk placement but at much larger scale across all commercial lines.
• Liberty Mutual Insurance (Commercial Lines): Liberty Mutual is a major U.S. P&C carrier with a national commercial auto and fleet business distributed through agents. Overlaps with W.F. Clayton on commercial auto product and agent distribution but at vastly larger scale and broader portfolio.
• Great American Insurance Group (Specialty Transportation): Great American operates specialty transportation and excess & surplus divisions serving bus, limousine, and fleet operators through agents. Comparable to W.F. Clayton on product line and distribution but operates as a much larger diversified carrier with broader portfolio risk.

Others

• The Hilb Group: The Hilb Group is W.F. Clayton's parent company and a national retail insurance agency recognized on the Inc. 5000 and Insurance Journal Top 100 P/C Agency rankings. Relevant as parent/sister-brand context rather than a market competitor.

Emerging players

• Slice Insurance Technologies: Slice operates an InsurTech platform that enables niche carriers and MGAs (including commercial auto and specialty lines) to bind digitally and bypass legacy agent submission friction. Emerging competitive threat to W.F. Clayton's manual agent-submission MGA model if transportation insureds migrate toward digital placement.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/w.f.-clayton-&-associates-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 W.F. Clayton & Associates, LLC