life insurance ethos Co

What life insurance ethos Co does

Ethos Insurance Partners, Inc. (DBA: Ethos Insurance) is a private wholesale insurance brokerage specializing in healthcare professional liability (HPL) and medical malpractice coverage. Founded in 2004 by Jonathan Waterman (COO) and David Huss (CPO), the firm is headquartered in Duvall, Washington and has operated on a remote-first basis since 2020. It serves retail insurance agents across the United States who place HPL risks on behalf of healthcare clients, functioning as the intermediary between those retail agents and specialty healthcare liability carriers.

The company's core offering is organized around five specialized practice areas: Providers & Facilities, Aging Services, Life Sciences, Social Services, and Managed Care. Ethos Insurance earns revenue through commissions paid by carriers when retail agents place HPL risks through its wholesale desk, with the firm promoting a "Fast-Easy-Right" operational philosophy for quote turnaround and placement. It supplements this core brokerage service with educational content (articles, guides, videos) targeted at retail agents to support inbound demand and category positioning.

Ethos Insurance operates with a headcount in the 11-50 range using a standard SaaS technology stack — Salesforce for CRM, Conga for document automation, and HubSpot for marketing — with no disclosed proprietary platform, AI/ML capabilities, or external funding rounds. Carrier relationships with multiple major healthcare liability insurers underpin its ability to quote and place risk across the five service lines, and the firm's nationwide remote operating model allows it to serve retail agents in any U.S. state.

Name

life insurance ethos Co

Legal name

Ethos Insurance Partners, Inc.

Website

https://ethosinsurance.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Ethos Insurance Partners is a privately held wholesale insurance brokerage specializing in healthcare professional liability and medical malpractice coverage, serving U.S. retail insurance agents across five specialized service lines since 2004.

Ownership category

akta.pro rank

Product category

Healthcare Professional Liability Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

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

akta.pro secondary industry

Professional Liability (E&O) (FSAJAGAC)

Keywords

• Wholesale insurance brokerage
• Healthcare professional liability
• Medical malpractice insurance
• Insurance placement services
• Retail agent partnerships

Headquarters

HQ city

Seattle

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Broker Commissions: Ethos operates as a wholesale insurance broker earning commissions from carrier partners when retail agent submissions are successfully placed. Commissions are split fairly with retail agents, with Ethos disclosing all commission information upfront. The company does not charge retail agents or insured clients directly for their services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Ethos Insurance Partners is a wholesale insurance brokerage that exclusively places healthcare professional liability (medical malpractice) insurance on behalf of retail insurance agents. The firm connects retail agents with vetted carrier partners across five specialized service lines (Providers & Facilities, Aging Services, Life Sciences, Social Services, and Managed Care), and earns commissions from carriers when placements are completed. Agents submit business through the company's Fast-Easy-Right process, and Ethos markets to its carrier network on behalf of the agent.

Product overview

Ethos Insurance Partners operates as a healthcare professional liability wholesaler, exclusively focused on placing complex HPL (Healthcare Professional Liability) insurance risks. Rather than offering a unified software product, they provide wholesale brokerage services where they act as intermediaries between retail insurance agents and insurance carriers. Their core service is the placement of medical malpractice/healthcare professional liability insurance across five specialized service lines: Providers & Facilities, Aging Services, Life Sciences, Social Services, and Managed Care. The company complements their placement services with educational tools including the Healthcare Professional Liability Timeline, Wholesaler Scorecard, HPL Glossary, and various sell sheets for D&O and EPL coverage. They emphasize their Fast-Easy-Right process methodology, assigning dedicated expert teams to each submission with guaranteed response timelines.

Differentiator

Problem solved

Functional benefit

Products and services

• Healthcare Professional Liability (HPL) / Medical Malpractice Insurance Brokerage Wholesale brokerage placement services for healthcare professional liability (medical malpractice) insurance, covering claims arising from errors, mistakes, or negligence in the delivery of professional healthcare services. Exclusively serves retail insurance agents in the U.S.
• Providers & Facilities Insurance Brokerage Wholesale brokerage placement of professional liability coverage for healthcare providers including physicians, hospitals, outpatient facilities, ambulatory surgery centers, and medical practices.
• Aging Services Insurance Brokerage Wholesale brokerage placement of professional liability coverage for nursing homes, assisted living facilities, skilled nursing facilities, senior day care centers, and companion care services.
• Life Sciences Insurance Brokerage Wholesale brokerage placement of coverage for clinical research organizations, biotech companies, and pharmaceutical companies engaged in healthcare-related activities, including clinical trials and research-related medical professional liability and E&O exposures.
• Social Services Insurance Brokerage Wholesale brokerage placement of professional liability coverage for social service agencies that provide healthcare services, including mental health agencies, substance abuse facilities, and services for the developmentally disabled.
• Managed Care Insurance Brokerage Wholesale brokerage placement of Errors & Omissions coverage for health insurance plans, utilization review services, and peer review services within managed care organizations.

Quantifiable outcome

• Marketing summaries delivered within 2 business days of completed submission
• +2 more outcomes

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Healthcare Liability CarrierscoreChannel Partner/ Reseller/ Distributor · 1 January 2004Ethos works with all key carriers specialized in the healthcare liability marketplace. The company maintains relationships with carriers to place complex HPL risks on behalf of retail agents. Carriers vetted for capability and appetite for healthcare accounts. New carriers are carefully vetted before being added.
• The Doctors Company / TDC Specialty Insurance CompanycoreChannel Partner/ Reseller/ DistributorMajor medical malpractice carrier; former PULIC renamed TDC Specialty Insurance Company in 2014. Ethos maintains ongoing relationship with this key carrier partner in the healthcare liability space.
• CapSpecialtycoreChannel Partner/ Reseller/ DistributorCapSpecialty launched human and social services product in 2015 available through limited access wholesale-only distribution channels. Ethos maintains partnership for social services placements.
• CFC UnderwritingcoreChannel Partner/ Reseller/ DistributorSpecialty Lloyd's MGA that launched healthcare-specific cyber liability product in 2015. Ethos works with CFC for cyber liability coverage placements for healthcare clients.
• MAGMutualcoreChannel Partner/ Reseller/ DistributorMajor healthcare liability insurer that acquired MDAdvantage in 2022-2023 and merged with West Virginia Mutual. Ethos maintains carrier relationship for placements.
• ProAssurancecoreChannel Partner/ Reseller/ DistributorMajor medical malpractice insurer that acquired NORCAL in 2021, becoming the third-largest med-mal insurer. Ethos maintains ongoing carrier relationship for placements.
• Cooperative of American Physicians (CAP)minorChannel Partner/ Reseller/ DistributorCAP partnered with Professional Security Insurance Company (PSIC), a member of MAGMutual Group, in 2020. Ethos maintains relationship through MAGMutual partnership.

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• CRC Group: CRC Group is a wholesale brokerage with a healthcare and professional liability specialty practice that places complex risks for retail agents. It is comparable to Ethos as a specialist wholesale partner, though larger and with broader lines of business.
• Burns & Wilcox: Burns & Wilcox is a specialty wholesale brokerage with healthcare and professional liability practices serving retail agents nationwide. It competes with Ethos for healthcare professional liability submissions and offers comparable wholesale placement services to retail agent partners.
• Cottingham & Butler: Cottingham & Butler is a national insurance brokerage with healthcare and professional liability expertise that serves retail agents and insureds. It is comparable to Ethos as a healthcare-focused broker placing professional liability risks through carrier partners.
• Brown & Riding: Brown & Riding is a specialty wholesale brokerage with healthcare and professional liability expertise serving retail agents. It competes with Ethos for HPL submissions and shares the wholesale-only go-to-market model.
• RPS (Risk Placement Services): RPS is one of the largest U.S. wholesale insurance brokerages and operates a dedicated Healthcare Professional Liability practice that places complex med-mal risks on behalf of retail agents. It is the most direct competitor to Ethos in the HPL wholesale segment, with broader scale but a less exclusively HPL-focused identity.

Broad incumbents

• ProAssurance: ProAssurance is a major medical malpractice carrier (and acquired NORCAL in 2021, making it the third-largest med-mal insurer). It is both a carrier partner of Ethos and an indirect competitor as a direct writer of healthcare professional liability.
• Coverys: Coverys is a medical professional liability carrier providing malpractice and healthcare liability coverage to hospitals, physicians, and allied health providers. It is comparable to the carrier partners Ethos places business with and operates in the same healthcare liability space.
• MAGMutual: MAGMutual is a leading healthcare liability insurer that acquired MDAdvantage in 2022-23 and merged with West Virginia Mutual. It is a key carrier partner of Ethos and a direct med-mal writer with overlapping healthcare liability appetite.
• The Doctors Company: The Doctors Company is the largest physician-owned medical malpractice carrier in the U.S. and a core carrier partner of Ethos. As a direct writer it competes with the retail-agent/wholesaler model by offering direct channels, but also depends on wholesalers like Ethos to place complex HPL risks.
• Amwins Brokerage: Amwins is one of the largest U.S. wholesale brokerages and MGAs, with healthcare and professional liability capabilities as part of a much broader specialty portfolio. It overlaps with Ethos on HPL placement but competes from a much larger, diversified platform.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ethos-insurance-partners-inc

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 life insurance ethos Co