MKC Insurance Services, Inc.

What MKC Insurance Services, Inc. does

MKC Insurance Services, Inc. is an independent property and casualty insurance brokerage headquartered at 24307 Magic Mountain Pkwy, Suite 70, Santa Clarita, California, licensed in California under License #0G66701. Founded in 2009 by Mike Chan, the firm represents more than 20 insurance carriers — including Travelers, Chubb, Hartford, Berkshire Hathaway, Liberty Mutual, CNA, AmTrust, BerkleyNet, ICW Group, California State Fund, and RLI Surety — to place business and personal lines for clients throughout California, with emphasis on Los Angeles, San Fernando Valley, Santa Clarita Valley, Ventura County, Riverside County, and Orange County. The company's vertical focus is on contractors, real estate developers, condo buildings, equipment rental businesses, and manufacturers, alongside a personal lines book covering home, auto, umbrella, earthquake, and vacant home coverage.

The product catalog spans more than 25 line items across business insurance (workers' compensation, general liability, commercial property, business auto, EPLI, cyber liability, environmental, commercial earthquake, E&O, D&O, business owners, flood, crime, builders risk, surety bonds, inland marine), industry specialties (contractor, real estate developer, condo building, equipment rental, manufacturer, engineer), and personal insurance. Technology consists of a standard brokerage website with quote request forms, a 24/7 client center portal for claims, certificates, auto ID cards, bill payment, and policy changes, plus LinkedIn and email newsletter channels; no proprietary technology, AI capabilities, or third-party platform integrations are disclosed.

The business model is commission-based brokerage: MKC earns carrier commissions on policy placement, servicing, and renewal activity, with quote-based pricing on annual billing cycles across both business and personal lines. Distribution is direct, led by licensed insurance advisors handling phone, email, and web quote requests, supplemented by client referrals and word-of-mouth. The team is small (1–10 employees per the headcount signal) and founder-led, with Mike Chan holding CPCU, CIC, and CRIS professional designations earned between 2007 and 2011.

Name

MKC Insurance Services, Inc.

Legal name

MKC Insurance Services, Inc.

Website

https://mkcinsurance.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

MKC Insurance Services is an independent property and casualty insurance brokerage based in Santa Clarita, California, representing more than 20 carriers to place business and personal coverage for contractors, real estate developers, condo buildings, manufacturers, and California families.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage (Property and Casualty)

NAICS

Insurance Agencies and Brokerages (52421)

SIC

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

akta.pro primary industry

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

Keywords

• Independent insurance brokerage
• Property casualty insurance
• Commercial insurance solutions
• Personal insurance coverage
• Business insurance broker

Headquarters

HQ city

Santa Clarita

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: MKC Insurance Services operates as an independent insurance brokerage, earning commissions from multiple insurance carriers for placing business insurance and personal insurance policies. The firm represents various A-rated insurance companies and receives compensation for policy placement, servicing, and claims assistance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

MKC Insurance Services is an independent insurance brokerage that places business and personal property and casualty insurance policies on behalf of California clients. The firm represents multiple A-rated insurance carriers and delivers customized coverage packages spanning workers' compensation, general liability, commercial property, business auto, industry-specific packages for contractors, real estate developers, condo buildings, equipment rental businesses, and manufacturers, as well as personal lines such as home, auto, umbrella, and earthquake insurance. Ongoing services include policy reviews, claims assistance, certificate requests, and policy management through a 24/7 client center.

Product overview

MKC Insurance Services is an independent insurance brokerage providing property and casualty insurance solutions throughout California. The company operates as a broker model offering multiple insurance products across three main categories: Business Insurance (including workers' compensation, general liability, commercial property, business auto, and specialty coverages like cyber liability and environmental insurance), Industry Specialties (contractor insurance, real estate developer insurance, condo building insurance, equipment rental insurance, manufacturer insurance, and engineer insurance), and Personal Insurance (home, auto, umbrella, earthquake, and vacant home insurance). As an independent brokerage, MKC represents multiple insurance companies including American Modern, AmTrust Financial, BerkleyNet, Berkshire Hathaway, Chubb, CNA, Hartford, Liberty Mutual, Travelers, and others to provide competitive pricing and customized coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Workers' Compensation Insurance Covers employees injured on the job or in auto accidents while on business, as well as work-related illnesses. Protects employers from expensive lawsuits and is required by law in most states. For California employers.
• General Liability Insurance Provides broad coverage for bodily injury to people outside of the business and physical damage to their property. Protects against claims of damage or injury caused on site or to visitors.
• Commercial Property Insurance Protects business assets in the event of theft, damage, or destruction from fire or natural disasters. Covers buildings, commercial vehicles, equipment, and associated losses including lost income.
• Business Auto Insurance Provides coverage for vehicles owned or leased by a business, including bodily injury, property damage, and comprehensive and collision coverage. Protects business and personal assets from commercial vehicle exposures.
• Employment Practice Liability Insurance Covers risks of lawsuits over wrongful termination, harassment, discrimination, ADA discrimination, and other workplace conditions. Protects businesses and individual directors from employment-related claims.
• Cyber Liability Insurance Protects businesses against expenses associated with data breaches, including coverage for unauthorized access, virus spreading, computer theft, extortion, and breach-related expenses.
• Builders Risk Insurance Covers structures, materials, and equipment during construction until completion. Protects against fire, wind, theft, and vandalism during the building phase.
• Surety Bonds Guarantees that a large investment in a project is not lost if work is not completed. Common in construction industry and for government contracts. Includes contract bonds and commercial surety through partners such as Liberty Mutual Surety and RLI Surety.
• Contractor Insurance Specialized coverage package for contractors including general liability, workers' comp, equipment coverage, and business auto. Covers general contractors, plumbers, electricians, HVAC, landscapers, and additional trades.
• Real Estate Developer Insurance Comprehensive coverage for real estate developers from land purchase through building and selling. Includes builders risk, professional liability, and owner-controlled insurance programs.
• Condo Building Insurance Specialty insurance recognizing different risk types for condo buildings. Covers association master policies, bare walls, single entity, and modified single entity coverage options.
• Equipment Rental Insurance Coverage for businesses that rent out equipment including commercial property, general liability, inland marine, and customer liability protection.
• Manufacturer Insurance Comprehensive coverage for manufacturers including product recall, business interruption, commercial property, general liability, and cargo insurance.
• Engineer Insurance Specialized coverage for engineers including professional liability, general liability, business property, workers' comp, and cyber liability protection.
• Home Insurance Coverage protecting homeowners from risks including fire, personal property damage, additional living expenses, valuable possessions, medical expenses, personal liability, and flood coverage.
• Auto Insurance Coverage for vehicles including bodily injury liability, property damage, medical payments, uninsured motorist, physical damage, and rental coverage.
• Umbrella Insurance Extra liability policy providing additional coverage beyond standard homeowners and auto policies. Covers property damage liability, bodily injury liability, lawsuits, and watercraft liability.
• Earthquake Insurance Specialty policy covering damage or destruction caused by earthquakes. Bridges the gap in coverage since most homeowners policies exclude earthquake damage.
• Vacant Home Insurance Coverage for homes unoccupied for 30 days or more. Protects against fire, flooding, wind, hail, theft, and liability when standard home insurance may reject coverage.

Named customers9 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

20 partnerships are on record, tiered core and minor.

• American ModerncoreChannel Partner/ Reseller/ DistributorInsurance company partner providing specialty insurance products. MKC represents American Modern to offer coverage options to their clients.
• AmTrust FinancialcoreChannel Partner/ Reseller/ DistributorInsurance company partner providing commercial and specialty insurance products. MKC places business insurance with AmTrust.
• BerkleyNetcoreChannel Partner/ Reseller/ DistributorInsurance company partner providing commercial insurance solutions through online platforms.
• Berkshire HathawaycoreChannel Partner/ Reseller/ DistributorMajor insurance conglomerate providing comprehensive insurance products. MKC represents Berkshire Hathaway insurance subsidiaries.
• California Fair PlancoreChannel Partner/ Reseller/ DistributorCalifornia state-chartered insurance pool providing basic property insurance in California's FAIR Plan. Important for California-focused coverage.
• ChubbcoreChannel Partner/ Reseller/ DistributorGlobal leader in insurance products including personal and commercial lines. MKC offers Chubb products for high-value coverage needs.
• CNAcoreChannel Partner/ Reseller/ DistributorCommercial insurance carrier providing business insurance solutions including property, casualty, and specialty coverages.
• GeoveracoreChannel Partner/ Reseller/ DistributorSpecialty insurer providing earthquake and homeowners insurance products for California properties.
• Guard Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance company providing commercial insurance products including workers' compensation and business insurance.
• HartfordcoreChannel Partner/ Reseller/ DistributorMajor commercial and personal insurance carrier providing comprehensive coverage options through independent agents.
• ICW GroupcoreChannel Partner/ Reseller/ DistributorCalifornia-based insurance company specializing in workers' compensation and commercial insurance for California businesses.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor insurance provider offering commercial and personal insurance products including business owners policies and auto coverage.
• Liberty Mutual SuretycoreChannel Partner/ Reseller/ DistributorSurety bond provider under Liberty Mutual, offering contract bonds and commercial surety solutions.
• MexipassminorChannel Partner/ Reseller/ DistributorInsurance provider offering products tailored for the Mexican market and cross-border coverage needs.
• Pacific SpecialtycoreChannel Partner/ Reseller/ DistributorSpecialty insurance company providing niche coverage solutions for various business and personal lines.
• Personal UmbrellaminorChannel Partner/ Reseller/ DistributorSpecialty insurer focused on personal umbrella insurance products for high-net-worth individuals.
• RLI SuretycoreChannel Partner/ Reseller/ DistributorSurety bond specialist providing contract bonds, commercial bonds, and fidelity bonds for contractors and businesses.
• Seneca Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance company providing commercial property and liability coverage for small to mid-size businesses.
• State FundcoreChannel Partner/ Reseller/ DistributorCalifornia State Compensation Insurance Fund, California's largest workers' compensation insurance provider, serving as an alternative to private carriers.
• TravelerscoreChannel Partner/ Reseller/ DistributorOne of the largest insurance companies in the U.S. providing commercial and personal insurance products including business, auto, home, and workers' compensation coverage.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Heffernan Insurance Brokers: Independent insurance brokerage also focused on commercial P&C with deep specialty expertise for contractors, real estate, and construction — directly comparable business model, product mix, and target customer segments.
• Brown & Riding Insurance Services: Specialty insurance brokerage focused on construction, real estate, and commercial P&C risks — closely aligned specialty expertise and broker model.
• Woodruff-Sawyer & Co. Independent commercial insurance brokerage serving mid-market and SMB clients across multiple verticals with a similar broker-of-record model and emphasis on specialty commercial lines.

Emerging players

• SmartFinancial: Online insurance comparison and brokerage platform for commercial and personal lines — overlapping customer base in personal lines (home/auto) and emerging commercial distribution model.
• Simply Business: Digital brokerage platform focused on small commercial insurance including contractors and trades — competes for the same SMB customer segment as MKC with a tech-led, lower-touch model.
• CoverWallet (an Aon company): Digital-first commercial insurance platform serving SMBs across multiple verticals including construction and real estate — competes with traditional brokers via online quoting and instant binding.
• Biberk: Berkshire Hathaway-affiliated digital commercial insurance platform targeting small businesses with direct online binding — an emerging competitive threat to traditional independent brokers serving the same SMB contractors and small business segment.

Broad incumbents

• The Hartford: Established commercial carrier with strong small-business and contractor insurance programs distributed through independent agents — comparable target customer segments but operates as a carrier rather than independent broker.
• USI Insurance Services: Large national insurance brokerage serving commercial clients across all major industries including construction and real estate — broader geographic reach and deeper specialty practices than MKC.
• HUB International: Major North American brokerage offering commercial P&C, personal lines, and specialty coverages including construction and real estate — comparable product set but at vastly larger scale and geographic footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/one-earth-insurance-services

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 MKC Insurance Services, Inc.