Business Details
50+ Years
experience
Your Trusted Insurance Partner for Comprehensive Coverage Solutions
Founded in 1910, Moreton & Company & Company has built a legacy of delivering innovative insurance and risk management solutions. With over 115 years of experience, we serve clients across all 50 states, combining the personalized service of a local agency with the resources of a national firm. Our team of 290 dedicated professionals operates from three strategic locations in Salt Lake City, UT; Boise, ID; and Denver, CO. We specialize in commercial insurance, employee benefits, surety bonds, captives, cyber risk, and executive risk solutions, tailored to meet the unique needs of businesses, public entities, and individuals.As the largest independent insurance brokerage in the Intermountain West, we maintain VIP status with top carriers and are the only Utah member of Assurex Global, a network spanning 70+ countries. Our commitment to client-centric service, industry expertise, and forward-thinking strategies ensures we deliver value-driven solutions that protect and empower organizations for generations.
Services
Commercial Insurance
Employee Benefits
Surety Bonds
Captives
Cyber Risk
Executive Risk
Wellness Programs
Voluntary Benefits
Personal Lines
Risk Management
Details
- Year established: 1910
Highlights and features
- We offer over 115 years of experience in commercial insurance and risk management.
- Our team provides access to international resources through Assurex Global partnerships.
- We specialize in customized employee benefits programs with cost-containment strategies.
- Our local agency approach ensures personalized service while rivaling national firms.
- We maintain VIP status with top-tier insurance carriers for competitive pricing.
Services
Commercial Insurance
Protect your business assets with tailored commercial insurance solutions. Our policies cover property damage, liability, cyber risks, and operational disruptions. We leverage 115+ years of expertise to design programs that reduce risk exposure while ensuring compliance. Clients benefit from specialized departments in property & casualty, risk management, and claims advocacy.
Employee Benefits
Create competitive employee benefits packages with medical, dental, vision, and voluntary benefits. Our team specializes in self-funded plans, wellness programs, and compliance support. We help employers control costs through captive solutions and pharmacy benefit management. With dedicated account managers, we simplify enrollment and ongoing administration for businesses of all sizes.
Surety Bonds
Secure contract and commercial surety bonds to protect your projects and licensing requirements. Our specialized team manages bid, performance, and payment bonds for construction and regulated industries. We maintain relationships with top underwriters to provide competitive rates and streamlined bond acquisition for businesses nationwide.
Captives
Join industry-specific captives to reduce insurance costs and gain underwriting control. We administer Utah-based employee benefits and property & casualty captives, allowing members to recapture premium dollars. Our services include feasibility analysis, program design, and regulatory compliance for organizations seeking innovative risk financing solutions.
Cyber Risk
Mitigate cyber threats with comprehensive liability coverage for data breaches and ransomware attacks. Our solutions include forensic support, notification costs, and business interruption protection. We provide risk assessment tools and incident response planning to help businesses proactively defend against evolving digital threats while maintaining regulatory compliance.
People
Todd Smith
President
Todd Smith leads Moreton & Company & Company with a focus on innovation and client-centric service. With decades of industry experience, he drives strategic growth while maintaining the firm's founding commitment to personalized insurance solutions.
Jonathan Fulton
Chief Operations Officer
Jonathan Fulton oversees daily operations, ensuring efficient delivery of insurance and risk management services. His leadership emphasizes technological advancement and process optimization to enhance client experiences across all business lines.
Bill Tingey
Chief Financial Officer
Bill Tingey manages financial strategy and resource allocation for Moreton & Company & Company. With expertise in insurance finance, he ensures fiscal stability while supporting the firm's expansion and service diversification initiatives.
Carolyn Cox
SVP, Compliance Counsel
Carolyn Cox specializes in regulatory compliance and employee benefits consulting. She advises clients on healthcare reform, ERISA compliance, and risk mitigation strategies, ensuring alignment with evolving legal standards.
Winston Waltman
General Counsel
Winston Waltman provides legal oversight for Moreton & Company & Company's operations and client engagements. His expertise in insurance law and corporate governance strengthens the firm's risk management and contractual compliance frameworks.
Questions
What industries does Moreton & Company & Company & Company specialize in?
We serve diverse sectors including construction, healthcare, energy, public entities, real estate, and manufacturing. Our 115+ years of experience allow us to tailor solutions for unique industry risks.
How does Moreton & Company & Company & Company differ from national insurance firms?
We combine local agency responsiveness with national resources. As Utah's largest independent broker, we offer personalized service while maintaining partnerships with top-tier carriers and Assurex Global.
Can small businesses benefit from your services?
Yes. We provide scalable solutions for small groups, including medical pools, level-funded plans, and customized surety bonds. Our Business Development Center specializes in affordable commercial insurance for emerging companies.
How do you handle claims assistance?
Our team advocates for clients during claims filing, offering guidance on documentation and dispute resolution. We maintain direct relationships with carriers to expedite processing and ensure fair settlements.
What risk management tools are available?
We provide safety audits, loss control programs, and digital analytics tools. Clients access proprietary platforms for risk identification, claims tracking, and compliance monitoring to proactively manage exposures.
Do you offer wellness programs for employees?
Yes. Our in-house wellness team designs customizable programs focusing on physical health, mental well-being, and chronic disease management. These initiatives help reduce healthcare costs and improve workforce productivity.
