M.J. Hall & Company Insurance Brokers

What M.J. Hall & Company Insurance Brokers does

M.J. Hall & Company, Inc. is a wholesale insurance brokerage and managing general agent (MGA) founded in 1973 by Michael J. Hall in Stockton, California. The firm specializes in the Excess and Surplus Lines market, serving retail insurance agents and brokers who bring difficult-to-place commercial and professional liability risks that standard admitted carriers decline. It operates from seven offices across California (Stockton, Napa, Fresno, Ontario, Pleasant Hill), Nevada (Incline Village), and Alaska (Wasilla), reaching retail agents nationwide. The company represents over 100 insurance carriers, holds 8 binding authority markets and 150+ brokerage markets, and serves as a Lloyd's of London Correspondent for complex placements.

The product portfolio is structured into Commercial Lines and Professional Lines, with dedicated sub-categories for cannabis, transportation, security guards, bars and restaurants, contractors, DIC/earthquake/flood, garage liability, and professional liability (EPL, D&O, E&O, cyber, surety bonds). M.J. Hall holds California Insurance License #6003572 and Alaska Insurance License #3001852278. Underwriting and placement operations rely on carrier market relationships and binding authority agreements rather than disclosed proprietary technology; the firm has launched an Instant Quote online tool targeting transportation risks with sub-24-hour turnaround and a 15% commission structure.

Revenue is generated through commissions from carriers for placing and managing business, including contingent profit participation from binding authority arrangements. Distribution is exclusively B2B, intermediated through retail agents and brokers; M.J. Hall does not transact directly with end insureds. The firm is privately held and family-owned, with founder Michael J. Hall's daughter Suzie Hall-Reynolds serving as Broker VP managing the Napa office. It has been recognized as a 5-Star Wholesale Broker and MGA by Insurance Business America in both 2023 and 2024.

Name

M.J. Hall & Company Insurance Brokers

Legal name

M.J. Hall & Company, Inc.

Website

https://mjhall.com

Company type

Private

Operating status

Operating

Short description

M.J. Hall & Company is a wholesale insurance brokerage and MGA founded in 1973, specializing in Excess and Surplus Lines. It serves retail insurance agents across three states, providing access to over 100 carriers and Lloyd's of London correspondent status.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage (Excess and Surplus Lines)

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industries

Insurance Program Administration & MGA/MGU Services (FSAEADAK), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Wholesale insurance brokerage
• Surplus lines coverage
• Managing general agent
• Commercial liability insurance
• Professional liability lines

Headquarters

HQ city

Stockton

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: M.J. Hall & Company operates as a wholesale insurance broker and MGA, earning commissions from insurance carriers for placing and managing business. They have binding authority agreements with carriers and place risks through their brokerage market relationships.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

M.J. Hall & Company Insurance Brokers is a wholesale insurance brokerage and managing general agent (MGA) that places hard-to-place risks for retail insurance agents and brokers through Excess and Surplus Lines markets. The company represents over 100 insurance carriers across 8 binding authority markets and 150+ brokerage markets, delivering commercial lines, professional lines, personal lines, and workers' compensation coverage—including specialty industry programs for cannabis, transportation, security guards, bars and restaurants, contractors, garage, and DIC/earthquake/flood. As a Lloyd's of London correspondent, it provides retail partners access to non-admitted markets and underwriting expertise for risks that standard carriers decline.

Product overview

M.J. Hall & Company Insurance Brokers is a wholesale brokerage and managing general agent specializing in the Excess and Surplus Lines space. The company operates as a unified platform offering Commercial Lines and Professional Lines insurance products, supplemented by specialized sub-categories including Cannabis Coverage, Transportation Insurance, Security Guards Coverage, Bars and Restaurants Coverage, Contractors Coverage, DIC/Earthquake/Flood Coverage, and Garage Liability Coverage. The company represents over 100 insurance carriers and offers 8 binding authority markets and 150+ brokerage markets to cover risks from small Main Street America shops to complex multi-layered accounts. They are a Lloyd's of London correspondent and have been in business for 50 years.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Lines Wholesale commercial insurance coverage for businesses whose risks cannot be placed in standard admitted markets, spanning bars/restaurants, cannabis, contractors, earthquake/DIC/flood, garage, security professionals, transportation, vacant buildings, and other non-standard commercial accounts. Sold to retail insurance agents and brokers who bring accounts to M.J. Hall for placement across its carrier panel.
• Professional Lines Wholesale professional liability coverage for professional service firms, including Employment Practices Liability (EPL), Management Liability/D&O, Professional Liability/E&O, crime/fidelity, cyber liability, and surety bonds. Distributed to retail agents placing accounts of professional services firms on M.J. Hall's carrier panel.
• Cannabis Coverage Specialized surplus lines insurance program for licensed cannabis operations, covering cultivation, processing, manufacturing, wholesale distribution, retail dispensaries, security guards, and testing labs. Distributed to retail agents whose insureds operate in the cannabis industry.
• Transportation Insurance Wholesale trucking and transportation risk coverage, including auto liability, auto physical damage, general liability, excess liability, motor truck cargo, non-trucking liability, and warehouseman's legal liability. Eligible for the Instant Quote online tool with under-24-hour turnaround and 15% commission. Sold through retail insurance agents to motor carriers and commercial fleet operators.
• Security Guards Coverage Wholesale liability coverage for the security services industry, covering armed and unarmed guards, armored car services, alarm installation contractors, private investigators, and cannabis secure transport operators. Distributed to retail agents placing risks for security service businesses.
• Bars and Restaurants Coverage Specialized surplus lines program for bar and restaurant owners covering liquor liability, property insurance, business interruption, excess liability, equipment breakdown, and earthquake coverage. Distributed through retail agents to hospitality insureds whose risks exceed standard admitted appetite.
• Contractors Coverage Wholesale coverage for general contractors, specialty contractors, and artisan contractors, including owners interest, OCP, wrap-up/OCIP, cyber liability, professional liability, and pollution coverage. Placed for retail agents whose contractor clients need non-admitted markets or higher limits.
• DIC / Earthquake / Flood Coverage Wholesale Difference in Conditions (DIC), earthquake, and flood coverage with approximately $500M+ in capacity, written on both admitted and non-admitted paper, with quick-turnaround quotes for retail agents placing catastrophe-exposed accounts.
• Garage Liability Coverage Wholesale legal liability coverage for auto dealers and service operations, covering bodily injury and property damage claims arising from selling and servicing autos, including garagekeepers coverage and dealers physical damage. Placed for retail agents with auto-dealer insureds.
• Personal Lines Placement of personal lines insurance risks through M.J. Hall's wholesale carrier relationships, complementing the firm's primary commercial and professional liability focus. Distributed to retail agents for hard-to-place personal lines accounts.
• Workers' Compensation Placement of workers' compensation insurance risks through M.J. Hall's surplus lines market access for hard-to-place workers' comp accounts. Distributed to retail agents whose employer insureds cannot obtain coverage in the standard admitted market.

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Lloyd's of LondoncoreChannel Partner/ Reseller/ DistributorM.J. Hall & Company serves as a Lloyd's Correspondent, enabling them to place complex surplus lines risks with Lloyd's of London markets. This correspondent relationship is a key component of their market access and is displayed prominently on their website.
• 100+ Insurance CarrierscoreOthersM.J. Hall represents over 100 insurance carriers including 8 binding authority markets and 150+ brokerage markets, providing comprehensive coverage solutions for typical to unique risks.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• RPS Group (Risk Placement Services): One of the largest U.S. wholesale insurance brokerages and MGAs, operating across E&S lines with multi-state offices and broad binding authority—directly comparable to M.J. Hall's wholesale brokerage and MGA model.
• Burns & Wilcox: Major wholesale brokerage and MGA specializing in surplus lines across commercial and professional lines; comparable specialty focus and retailer-serving model.
• Victor Insurance Managers: Specialty managing general agent and program administrator with binding authority—overlaps with M.J. Hall's MGA activity and specialty class focus.
• Brown & Riding Insurance Services: Specialty wholesale broker focused on excess and surplus lines for difficult commercial risks—a comparable specialty brokerage serving retail agents.
• Amwins: Largest U.S. wholesale broker and MGA with extensive binding authority, specialty practices, and Lloyd's access—a direct competitor in the wholesale E&S placement value chain.
• USG Insurance Services: Wholesale brokerage and MGA with multi-line E&S expertise and binding authority—closely mirrors M.J. Hall's model of placing surplus lines on behalf of retailers.
• CRC Group: Wholesale broker and MGA operating across specialty commercial and professional E&S lines; directly comparable in serving retail agents with hard-to-place risks.
• Crump Life Insurance Services: Wholesale distribution firm in life, disability, and specialty lines with similar intermediary role between retailers and carriers, including access to specialty carriers.
• Westrope Insurance Brokers: Independent wholesale brokerage and MGA serving retail agents with specialty commercial lines—similar mid-size wholesaler profile with binding authority.

Broad incumbents

• Skyward Specialty Insurance Group: Specialty insurance carrier and MGU operating across E&S classes, overlapping with M.J. Hall's specialty class placements (cannabis, transportation, professional lines) but as a carrier-side participant.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

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 M.J. Hall & Company Insurance Brokers