What Underwriting Company does

Arrowhead General Insurance Agency, Inc. is a private national program administrator and managing general agency (MGA) that designs, underwrites, and administers insurance programs on behalf of 30 top-rated carrier partners. Headquartered at 701 B Street, Suite 2100, San Diego, California (License #0699809), the company operates 7 offices nationwide with 730 employees and reaches end customers exclusively through a channel of 11,100 independent insurance agency locations — Arrowhead does not sell directly to consumers.

The company administers 30+ insurance products spanning three categories: Commercial (Workers' Compensation, Core Commercial, Automotive Aftermarket, Mile High Markets, Auto Rental Programs), Personal (Personal Property including E&S, Personal Umbrella, Residential Earthquake), and Specialty (All Risk E&S Commercial Property, Commercial Earthquake, Forestry, Manufactured Housing, Railroad, Auto Recyclers, Small Business Commercial Earthquake, Towing, Tribal). Its core technology is the Arrowhead Exchange portal, a 24/7 self-service platform where producers can rate, quote, bind, and manage policies, and policyholders can pay bills online. Specialized workflow tools such as Quick Quote (Workers' Compensation, which removed 180+ class-specific questions) and the Daily Rental Program for auto dealer loaner vehicles illustrate Arrowhead's emphasis on streamlining underwriting and policy administration.

Arrowhead's business model is commission- and fee-based: it earns underwriting commissions, policy administration fees, and claims management fees from its carrier partners for the programs it administers. Aggregate written premium volume administered across all carrier programs exceeds $1.8 billion. Distribution is entirely channel-driven through independent insurance producers, with no direct-to-consumer motion. Strategic carrier relationships include Zurich Insurance Group (Automotive Aftermarket since 2012) and QBE Insurance (small commercial product, scaled to all 50 states within 18 months). Revenue, headcount growth, ownership, and M&A history are not disclosed in the available data.

Name

Underwriting Company

Legal name

Arrowhead General Insurance Agency, Inc.

Website

https://onpointunderwriting.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Arrowhead General Insurance Agency is a national program administrator and managing general agency that administers 30+ insurance products on behalf of 30 top-rated carriers, distributed exclusively through 11,100 independent insurance agencies across the United States.

Ownership category

akta.pro rank

Product category

Insurance Program Administration

NAICS

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

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance program administration
• Managing general agency
• Commercial insurance programs
• Specialty insurance underwriting
• Insurance exchange platform

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Program Administration: As a national program administrator and managing general agency, Arrowhead generates revenue by administering insurance programs on behalf of top-rated carriers. The company receives commissions and fees from carriers for underwriting, policy administration, and claims management services across commercial, personal, and specialty insurance lines.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Arrowhead General Insurance Agency is a national program administrator and managing general agency that designs, underwrites, and administers 30+ specialized insurance programs across Commercial, Personal, and Specialty lines on behalf of 30 top-rated carriers. Its offerings reach end customers through a network of 11,100 independent insurance agency locations, with the Arrowhead Exchange online portal serving as the primary platform for rating, quoting, binding, and managing policies.

Product overview

Arrowhead General Insurance Agency is a national program administrator and managing general agency offering a comprehensive portfolio of insurance products across three main categories: Commercial (Arrowhead Auto Rental Programs, Automotive Aftermarket, Core Commercial, Mile High Markets, Workers' Compensation), Personal (Personal Property, Personal Property – E&S, Personal Umbrella, Residential Earthquake), and Specialty (All Risk – E&S Commercial Property, Commercial Earthquake, Forestry, Manufactured Housing, Railroad, Auto Recyclers, Small Business Commercial Earthquake, Towing, Tribal). The company operates through Arrowhead Exchange, a self-service online portal enabling 24/7 policy management, rating, quoting, and binding capabilities for producers and bill payment for policyholders. With over 30 products, partnerships with 30 top-rated carriers, and $1.8+ billion in written premium, Arrowhead serves 11,100 agency locations nationwide through 730 employees in 7 offices.

Differentiator

Problem solved

Functional benefit

Brands

• Arrowhead Programs: National programs platform operated by Arrowhead offering various insurance program products.
• Arrowhead Exchange

Products and services

• Arrowhead Auto Rental Programs (Daily Rental Program)

Quantifiable outcome

• Forms filed in all 50 states within 18 months for QBE small commercial product
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Zurich Insurance GroupcoreStrategic or Co-development Partner · 1 January 2012Zurich challenged Arrowhead to grow their Automotive Aftermarket program starting in 2012. Arrowhead assumed management of the program and expanded it by offering a wider range of market opportunities for producers.
• QBE InsurancecoreStrategic or Co-development PartnerArrowhead took over management of QBE's small commercial product and quickly grew it with their support teams and systems. In less than 18 months, forms were filed in all 50 states and 8 lines of business were offered on a new platform.

Scale indicators5 records

Recent moves6 records

Expansion highlights2 records

Direct peers

• Burns & Wilcox: Burns & Wilcox is a national wholesale insurance broker and MGA operating across commercial and personal specialty lines, providing direct comparability on producer-servicing model and carrier-appointed underwriting authority.
• Risk Placement Services (RPS): RPS is a national wholesale broker and managing general underwriter offering specialty programs and binding authority across personal and commercial lines, directly competing for carrier delegated authority mandates and producer relationships.
• Jencap Group: Jencap is a national wholesale brokerage and MGA specializing in commercial and specialty lines, operating with a similar delegated-authority and producer-driven distribution approach as Arrowhead.
• Worldwide Facilities: Worldwide Facilities is a national wholesale insurance broker and MGA focused on commercial and specialty lines, comparable in size and operating model to Arrowhead's program administration activities.
• Amwins: Amwins is the largest U.S. wholesale insurance broker and MGA with multi-billion written premium volume and broad specialty program administration capabilities across personal and commercial lines, making it the closest scale comparable to Arrowhead's program administration business.
• Brown & Riding: Brown & Riding is a wholesale insurance broker and program administrator providing specialty and excess & surplus lines placement, comparable to Arrowhead in delegated authority programs and producer service model.
• CRC Insurance Group: CRC is a major wholesale broker and MGA platform offering specialty programs and delegated underwriting across commercial and personal lines, with a similar producer-distributed, multi-carrier model.

Broad incumbents

• Hub International: Hub International is a large national insurance brokerage with MGA and program administration capabilities embedded within a much broader retail brokerage platform, representing the incumbent end of the distribution spectrum.

Emerging players

• Insurance Office of America: IOA is a large independent insurance agency and program administrator with multiple carrier appointments and producer-driven distribution, operating with a similar multi-product, multi-carrier structure as Arrowhead.
• Skyward Specialty Insurance Group: Skyward Specialty is a specialty insurance carrier and program partner that works closely with MGAs like Arrowhead, providing a counterparty comparison for how delegated underwriting authority is structured in specialty lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/arrowhead-general-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

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 Underwriting Company