ARROWHEAD GENERAL INSURANCE
Spearheading innovation in program underwriting and specialty insurance distribution.
Overview
Arrowhead General Insurance Agency, Inc. is one of the largest program underwriting and managing general agency (MGA) operations in the United States, headquartered in San Diego, California. Founded in 1983, Arrowhead has built a national footprint across commercial, personal, and specialty lines through proprietary program development and delegated underwriting authority from top-rated insurance carriers.
Acquired by Brown & Brown, Inc. (NYSE: BRO) in 2011, Arrowhead operates as a key component of Brown & Brown's program distribution strategy. In 2025, the operation was consolidated under the Arrowhead Intermediaries umbrella alongside Bridge Specialty Group, Arrowhead Programs, and Arrowhead Specialty -- positioning the combined entity as one of the largest delegated underwriters in the world.
Arrowhead distributes 30+ insurance products through a national network of more than 11,000 producer offices. The agency combines actuarial, compliance, information systems, and marketing operations under one roof, and operates the proprietary Arrowhead Exchange technology platform to support agent quoting and policy issuance.
Products & Services
Core Commercial
Standard business owner policy (BOP), general liability, and commercial auto for small and mid-size businesses.
Target Users: Small to mid-size commercial accounts via appointed retail agents and brokers
Distribution: Retail agents, national producer network (11,000+ offices)
Auto Rental Programs
Insurance programs for vehicle rental operations including short-term rental fleets.
Target Users: Car rental companies, fleet operators
Distribution: Wholesale and retail channels
Automotive Aftermarket
Specialty coverage for the automotive aftermarket sector including parts manufacturers, distributors, and service operations.
Target Users: Automotive aftermarket businesses
Distribution: Retail agents and wholesalers
Workers Compensation
Workers comp program operating in Arizona, California, and Nevada with Everest Insurance as carrier partner (A+ (XV) AM Best). Features Pay-Go billing and portal-based quoting within 5 minutes for eligible accounts.
Key Features
- Pay-Go (zero down) billing
- Bilingual claims support via ACM
- Dedicated adjuster teams
- Medical Provider Network (MPN)
Target Users: Agriculture, construction, auto service/repair, food services, manufacturing, transportation, janitorial
Distribution: Retail agents via ArrowheadExchange.com
Personal Property & Residential Earthquake
Homeowners coverage including E&S placement for difficult-to-insure risks, plus residential earthquake for California homeowners -- a program Arrowhead pioneered after major carriers exited following the 1994 Northridge Earthquake.
Target Users: Individual homeowners, including non-standard/E&S risks
Distribution: Retail agents
Personal Umbrella
Excess liability coverage for individuals.
Target Users: Individual policyholders
Distribution: Retail agents
Specialty Programs
A suite of niche programs including:
Key Features
- All Risk E&S Commercial Property (headquartered in Alpharetta, GA)
- Commercial and Small Business Earthquake
- Forestry
- Manufactured Housing
- Railroad
- Auto Recyclers
- Towing
- Tribal Programs (including Tribal Nonprofit Program)
- Mile High Markets
Target Users: Specialized commercial, industrial, and tribal enterprise risk segments
Distribution: Wholesale and retail channels