Matterhorn exists to make it easier for brokers to build and deliver insurance programs that actually fit their clients. We streamline the messy stuff—applications, markets, tech—so you can focus on selling and servicing. With one submission, you get access to curated specialty markets, custom program design, and the option to plug in tech that makes delivery seamless. Whether you need help building a new product or just want to simplify the one you already have, we’re here to make it happen. Fast, flexible, and built for brokers.
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Why MTRHRN exists
Your Digital MGU in Specialty Insurance
Transportation + Sports
Specialty Accounts
We work hand-in-hand with brokers to underwrite and build custom insurance solutions for complex or high-value accounts. These cases often require more than just access to markets — they demand:
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Deep underwriting expertise across sports, transportation, and travel
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Creative program design and risk structuring
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Technology development to streamline policy delivery or client management
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Whether you're navigating large schedules, tough-to-place risks, or clients who require custom UX/UI — we build it with you.
At Matterhorn Insurance Group, we’re built to help brokers thrive — whether you’re tackling complex accounts or scaling through proven programs.
We operate with one focus: make you more valuable to your clients through better insurance design, delivery, and support.
How we help
Program Business
We offer pre-built, industry-leading insurance programs that are ready to go — with full automation from quote to bind. As a broker, you gain instant access to:
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Digitally managed application and policy workflows
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Pre-approved underwriting guidelines and rapid turnaround
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White-labeled portals or storefronts to serve your clients These programs are perfect for brokers looking to grow in niche sectors with a repeatable, scalable model.
Transportation
We design and manage insurance programs for the people and businesses moving freight across North America.
Our focus includes:
Independent Contractors
Motor Carriers
Freight Brokers
We understand the nuances of the transportation ecosystem and support brokers with integrated solutions that simplify quoting, policy management, and compliance.
At Matterhorn Insurance Group, we specialize in delivering tailored insurance and technology solutions across two core sectors: Transportation and Sports.
Our team combines deep market expertise, underwriting precision, and purpose-built technology to help brokers win and service clients with confidence.
What we do
Sports
We provide complete protection and program design for sports organizations of all types and sizes.
Our specialty includes:
Youth, Amateur, and Professional Levels
Associations
Leagues and Organizations
Presidents, Directors, Organizers
Participants, Coaches, Volunteers
Events, Tournaments, Acadamies, Camps
Whether your client is a national league, a tournament operator, or a facility owner, we deliver coverage backed by A-rated carriers — and tech that makes it easy to manage.
Technology
At Matterhorn, we go beyond underwriting. We provide technology-powered services that help brokers grow faster, operate smarter, and deliver a better experience to their clients.
Our focus includes:
Digitial Product Management
Automation and AI
API Driven Solutions
We specialize in digital product management, enabling brokers to deliver and manage insurance with ease through automation, smart AI tools, and flexible API integrations — all designed to optimize speed, accuracy, and scale.
Specialty
At Matterhorn Insurance Group, we specialize in two high-impact sectors where risk is dynamic, complex, and constantly evolving: Transportation and Sports.
These industries require more than off-the-shelf coverage — they demand tailored underwriting, deep sector expertise, and technology-driven delivery that works in the real world. That’s where we come in.
Transportation
Sports
Easy access to Transportation applications and materials
Easy access to Sports applications and materials
Exclusivity with Intention
We work with a limited number of brokers in each sector to maintain focus, drive quality, and ensure our resources are aligned with those who are aligned with us.
Custom-Built Client Solutions
From underwriting strategy to delivery, we co-develop programs and solutions tailored to your clients — including tech builds, product design, and compliance tools.
Access to Technology
Brokers get access to our digital ecosystem — including automation workflows, CRM integration, product dashboards, and API-powered services — to run their operations and serve clients more efficiently.
Workflow Automation
We design and manage end-to-end submission and policy workflows using Monday.com, JOSHU, and embedded tech. Your team and ours work in real time to get deals done faster — with transparency and support built into every step.
At Matterhorn, we don’t just appoint brokers — we partner with a select group of specialists to build something exceptional together.
Our model is built on collaboration. When you work with us, you're not just gaining access to markets — you're gaining a dedicated team, smart technology, and a process designed to make your brokerage more powerful.
Team work
Let's Build Together
When you work with Matterhorn, you gain more than a market or a tech tool — you gain a strategic partner.
We work side-by-side with you to build, launch, and scale solutions that set your brokerage apart.
Let’s grow together — with purpose, performance, and partnership.
Meet the Team
It's an absolute pleasure to meet you!
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John Warren, CLU, ChFs
Managing Partner
jwarren@matterhornprotects.com
John is a seasoned Chief Revenue and Strategy leader specializing in driving profitability and competitive advantage. With a track record of launching industry-changing products across various sectors including Insurtech, Cyber, Life, Annuities, Accident, Health, and Voluntary Employee Benefits, he excels in enhancing client engagement and reducing acquisition costs through strategic marketing programs. With expertise in identifying unique value propositions, John devises and implements multi-channel GTM strategies to optimize market penetration and business growth. His extensive executive experience includes roles at AIG, Kanawha, Symetra Financial, and Prudential Financial. Over the past 7 years, he has provided consulting services in the Insurtech space for companies like Revolution Insurance Technologies, Munich Re, Surance, Covu, and Invive. John resides in Shelby Township, MI, with his wife of 37 years and their 4 Siberian Huskies.
Wayne Gutridge
Managing Partner
wgutridge@matterhornprotects.com
Wayne excels in new business development and alternative distribution strategies, leveraging his extensive experience in integrating products across various business units. With leadership roles at American International Group/Starr, Zurich North America, and Transamerica, he specializes in formulating core strategies for marketing, sales, product development, and operational support in corporate markets. Wayne's accomplishments include developing A&H programs for notable organizations like Wells Fargo, AMA, Citigroup, and the U.S. Olympic Committee. As a former AIG Executive Vice President, he's recognized as a Global A&H Business Knowledge Expert, having secured substantial funding and launched profitable A&H profit centers at AIG and Zurich NA. Wayne has also spearheaded workplace and affinity strategies globally and led Transamerica's Financial Wellness Strategy. He resides in Maryland with his wife of 32 years and their three daughters.
Stephen Mueller
Managing Partner
smueller@matterhornprotects.com
Stephen boasts a diverse career in the insurance industry, spanning Life, Accident & Health, and Property & Casualty segments. With top-level positions at Unum, Zurich, and Intact Insurance (formerly OneBeacon), he has excelled in sales, including his role as the Global Head of Sales for Zurich in Switzerland, marketing, and underwriting within the employee benefits, transportation, and affinity sectors. Stephen's expertise lies in building high-growth businesses with impressive returns, including two successful Accident & Health insurance ventures. As a published author, he has contributed extensively to industry literature on topics ranging from travel assistance and identity management services to emerging benefit and risk management trends. Outside of work, Stephen is the Founder and
Chairman Emeritus of Ridge Youth Sports, a non-profit organization, and he actively serves on the Board of Directors for the Boomer Esiason Foundation to raise awareness and funds for the fight against Cystic Fibrosis. Married for 35+ years, he has three children and one grandchild.
Isaac Allen
Managing Partner
Isaac Allen is a Managing Partner at Matterhorn Insurance Group, where he leads innovation and technology-driven insurance solutions. As the Founder of Spark Agency, a consultancy specializing in digital transformation, Isaac brings advanced tech enhancements to Matterhorn, optimizing operations and client engagement.
Previously, Isaac served as Chief Innovation Officer at Intact Insurance, leading strategic technology initiatives in specialty insurance. He also founded The Northman Company, a digital MGA specializing in adventure and sports insurance, and Canada Captives, where he built digital platforms for captive cell management.
Isaac is a father of three, a basketball and hockey coach, and enjoys trail running with his dog, Archie.
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