Acentria Insurance

What Acentria Insurance does

Acentria Insurance is an independent property and casualty insurance agency founded in 2010 in Destin, Florida, by CEO Kevin Mason and the late Chairman Kendall McEachern. The agency operates as a DBA of Foundation Risk Partners, Corp., and delivers a full-spectrum insurance brokerage across personal lines, commercial lines, health and life, employee benefits, and specialty practices. It serves individuals, families, small and mid-market businesses, multi-family/real estate operators, high-net-worth households (via the Acentria Elite sub-brand), and Florida public entities (via the Acentria Public Risk division).

The agency's product surface spans auto, homeowners, flood, condo, manufactured home, recreational vehicle, watercraft, and personal collections insurance; commercial coverage for agriculture, hospitality, transportation, real estate, marine, cyber, professional liability, surety bonds, and workers' compensation; plus health, life, disability, Medicare, and employee benefits. Service is delivered through 50+ physical branch offices across Florida, Georgia, South Carolina, North Carolina, Louisiana, and Mississippi, supported by a 24/7 client portal, an iOS/Android mobile app, an HR resource center for benefits clients (AcentriaHR), and a workplace-safety mobile app (Work Safe Pays). The benefits administration stack integrates with Employee Navigator and the firm uses HubSpot for CRM and Cloudflare for web delivery.

Acentria generates revenue primarily as commissions on insurance premiums placed with multiple carrier partners (independent agency model), including AIG, Chubb, Cincinnati, Nationwide, PURE, and regional carriers, augmented by contingency/profit-share commissions typical of the model. The firm reports 700+ employees, 31,011+ to 127,500+ clients, $22B+ in insured property values, and 500,000+ multi-family units under management. Strategic growth is executed through organic hiring, the addition of agencies under the Acentria brand, wholly-owned subsidiaries (AmeriFlood, Key West Insurance), and a structural affiliation with Foundation Risk Partners that provides platform and capital resources.

Name

Acentria Insurance

Legal name

Foundation Risk Partners, Corp.

Website

https://acentria.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Acentria Insurance is an independent insurance agency offering personal, commercial, health, life, and employee benefits coverage through 50+ branches across the Southeast US, serving individuals, businesses, public entities, and high-net-worth households as a DBA of Foundation Risk Partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB)

Keywords

• Independent insurance agency
• Property casualty insurance
• Commercial insurance brokerage
• Personal insurance lines
• Employee benefits administration

Headquarters

HQ city

Destin

HQ country

United States

HQ region

North America

Offices51 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: Acentria operates as an independent insurance agency earning commissions from multiple insurance carrier partnerships. The agency offers personal, business, health, life, and specialty insurance products. Revenue is generated through commissions on policy premiums placed with their carrier partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Acentria Insurance is a full-service independent insurance agency that places personal, business, health, and life insurance coverage with multiple carrier partners on behalf of its clients. The agency operates 50+ physical locations across Florida and the Southeast US, is licensed to write coverage in all 50 states, and serves more than 31,011 clients through dedicated agents, an online client portal, and a mobile application. Revenue is generated primarily through commissions on policy premiums placed with carrier partners including AIG, Chubb, Cincinnati Insurance, Nationwide Private Client, and PURE Insurance.

Product overview

Acentria Insurance is a full-service independent insurance agency providing a comprehensive portfolio of personal, business, health, and life insurance products across 50+ locations in Florida and the Southeast United States. The company's offering consists of multiple product categories: Personal Lines Insurance (auto, homeowners, flood, condo, manufactured homes, umbrella, recreational vehicles, watercraft, and personal collections); Business Insurance (agriculture, apartment/multi-family, surety bonds, business flood, business vehicle, business umbrella, condos/community associations, cyber liability, general liability, hospitality, marine, professional liability, property, public risk, real estate, transportation, and workers' compensation); Health & Life Insurance (employee benefits, individual health, Medicare, life, and disability); plus specialized sub-brands including Acentria Elite (high-net-worth insurance) and subsidiaries AmeriFlood and Key West Insurance. The company operates a digital platform through its Acentria 24/7 Mobile App (iOS/Android) and online client portal, while leveraging Employee Navigator for benefits administration. Founded in 2010 and headquartered in Destin, FL, Acentria is a Foundation Risk Partners company.

Differentiator

Problem solved

Functional benefit

Brands

• Acentria Elite: High-net-worth insurance program designed specifically for high-value homes, personal collections, and luxury lifestyle protection
• Acentria Public Risk

Products and services

• Acentria 24/7 Mobile App Mobile application for iOS and Android enabling clients to access their insurance accounts, view policies, make payments, and manage coverage on-the-go.
• Personal Lines Insurance Comprehensive personal insurance coverage including auto, homeowners, flood, condo, manufactured homes, umbrella, recreational vehicles, watercraft, and personal collections for individual consumers and families.
• Business Insurance Commercial insurance solutions covering agriculture, apartments, surety bonds, business flood, business vehicles, business umbrella, condos/community associations, cyber liability, general liability, hospitality, marine, professional liability, property, public risk, real estate, transportation, and workers' compensation for business clients ranging from small enterprises to large corporations.
• Health & Life Insurance Health and life insurance offerings including employee benefits, individual health, Medicare, life insurance, and disability coverage for individuals, families, and employer groups.
• Acentria Elite High-net-worth insurance program providing customized coverage for luxury homes, personal collections, fine art, jewelry, antiques, aviation, marine, equine insurance, and other high-value assets through carrier partnerships with AIG Private Client Services, Chubb, Cincinnati Insurance, Nationwide Private Client, and PURE Insurance.
• Personal Automotive Insurance Auto insurance coverage protecting owned or leased vehicles from theft or damage, with liability coverage for drivers, passengers, and third parties. Includes compulsory and recommended coverages such as bodily injury, property damage, PIP, medical payments, collision, comprehensive, substitute transportation, and towing.
• Homeowners Insurance Home insurance coverage providing protection for the dwelling structure, personal property, detached structures, personal liability, and loss of use, including replacement cost value coverage.
• Personal Flood Insurance Flood insurance coverage for residential properties protecting against structural damage, water heater/AC/furnace damage, flood debris clean-up, floor surfaces, and valuable contents, complementing standard homeowners policies which exclude flood damage.
• Condominium Insurance HO6 condo unit owner insurance covering interior structural items (additions and alterations), personal property, personal liability, medical expenses, and loss assessment, complementing condo association master policies.
• Manufactured Homes Insurance Insurance coverage specifically designed for manufactured and mobile homes, covering structures, flood/weather perils, loss of use, personal property, and accidental damage.
• Personal Umbrella Insurance
• Personal Collections Insurance
• Recreational Vehicle Insurance
• Watercraft Insurance
• Agriculture Insurance
• Apartment and Multi-Family Insurance
• Surety Bonds
• Business Flood Insurance
• Business Vehicle Insurance
• Business Umbrella Coverage
• Condominiums & Community Associations Insurance
• Cyber Liability Insurance
• Employee Benefits Solutions
• General Liability Insurance
• Hospitality Insurance
• Marine Insurance
• Professional Liability Insurance
• Business Property Insurance
• Acentria Public Risk
• Real Estate Insurance
• Transportation Insurance
• Workers' Compensation
• Disability Insurance
• Individual Health Insurance
• Life Insurance
• Medicare Coverage
• AmeriFlood
• Key West Insurance

Quantifiable outcome

• 31,011+ clients served
• +3 more outcomes

Named customers15 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

23 partnerships are on record, tiered core and minor.

• Foundation Risk PartnerscoreOthersAcentria Insurance is a dba of Foundation Risk Partners, Corp. Foundation Risk Partners is one of the fastest-growing insurance brokerage and consulting firms in the United States, comprised of a network of highly respected insurance agencies. FRP provides the platform and resources for Acentria's operations.
• AIG Private Client ServicescoreChannel Partner/ Reseller/ DistributorHigh-net-worth insurance carrier partner for Acentria Elite program, providing coverage for high-value homes and estates
• Chubb Masterpiece SolutionscoreChannel Partner/ Reseller/ DistributorHigh-net-worth insurance carrier partner for Acentria Elite program specializing in luxury home coverage
• Cincinnati Insurance CompaniescoreChannel Partner/ Reseller/ DistributorCarrier partner providing various commercial and personal insurance products
• Nationwide Private ClientcoreChannel Partner/ Reseller/ DistributorHigh-net-worth insurance carrier partner for premium personal lines coverage
• PURE InsurancecoreChannel Partner/ Reseller/ DistributorHigh-net-worth insurance carrier partner serving members with luxury homes and assets
• National General InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner for various personal and commercial lines
• VaultminorChannel Partner/ Reseller/ DistributorHigh-net-worth insurance carrier partner for specialty coverage
• Florida Municipal Insurance Trust (FMIT)coreStrategic or Co-development PartnerStrategic partnership with FMIT for serving Florida municipal clients with specialized public entity coverage options
• Florida Association of Counties TrustcoreStrategic or Co-development PartnerStrategic partnership providing insurance solutions for Florida county governments through the trust program
• Florida School Board Insurance TrustcoreStrategic or Co-development PartnerStrategic partnership offering insurance programs specifically designed for Florida school districts
• Independent Benefit AdvisorsminorChannel Partner/ Reseller/ DistributorPartnered agency with offices in Apex, NC and Hilton Head Island, SC providing employee benefits and insurance services
• Santa Cruz Insurance GroupminorChannel Partner/ Reseller/ DistributorPartnered agency in Bay St. Louis, MS operating under the Acentria brand
• Legacy Insurance AssociatesminorChannel Partner/ Reseller/ DistributorPartnered agency in Boca Raton, FL providing insurance services under the Acentria brand
• Coastal InsuranceminorChannel Partner/ Reseller/ DistributorPartnered agency in Miramar Beach, FL specializing in coastal insurance coverage
• Albritton Insurance ServicesminorChannel Partner/ Reseller/ DistributorPartnered agency in Perry, FL providing insurance services under the Acentria brand
• Pat Thomas & AssociatesminorChannel Partner/ Reseller/ DistributorPartnered agency in Quincy, FL operating under the Acentria brand
• GreenRoad InsuranceminorChannel Partner/ Reseller/ DistributorPartnered agency in Lakeland, FL providing insurance services under the Acentria brand
• Comp360minorChannel Partner/ Reseller/ DistributorPartnered agency in Lakeland, FL operating under the Acentria brand for workers compensation and related coverage
• WorkComp SolutionsminorChannel Partner/ Reseller/ DistributorPartnered agency in Lakeland, FL specializing in workers compensation solutions under the Acentria brand
• AmeriFloodcoreChannel Partner/ Reseller/ DistributorSubsidiary of Acentria Insurance specializing in flood insurance coverage, located in West Palm Beach, FL
• Key West InsurancecoreChannel Partner/ Reseller/ DistributorSubsidiary of Acentria Insurance specializing in Keys-area insurance coverage, located in Key West, FL
• Independent Insurance Agents & Brokers of AmericacoreStrategic or Co-development PartnerAcentria is a member of the Independent Insurance Agents & Brokers of America, the leading coalition for independent agencies, providing access to industry resources and network support

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Lockton Companies: Largest independent (non-public) insurance brokerage globally. Comparable as a non-carrier-affiliated broker with broad product offerings across commercial, personal, and benefits lines.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with substantial US retail brokerage operations across commercial, personal, and benefits. Comparable in product breadth and multi-carrier placement, though far larger and more diversified.
• Marsh McLennan: Global insurance brokerage and risk advisory leader with significant US middle-market and personal lines presence. Overlaps with Acentria in commercial brokerage and risk advisory, particularly for mid-market and public-sector clients.

Direct peers

• Hub International: Large North American insurance brokerage offering personal, commercial, and employee benefits through a network of regional offices. Comparable as a multi-line, multi-carrier independent agency with distributed office model.
• Foundation Risk Partners: Acentria's parent company and a fast-growing US insurance brokerage platform. Directly comparable as a multi-carrier independent agency consolidator operating in overlapping personal, commercial, and benefits lines.
• USI Insurance Services: Large US insurance brokerage serving middle-market and commercial clients across property/casualty, employee benefits, and personal lines. Comparable in multi-line product mix and mid-market commercial expertise.
• Alliant Insurance Services: US-focused specialty insurance brokerage offering commercial, personal, and employee benefits solutions. Comparable in product breadth and middle-market commercial focus.
• Brown & Brown Insurance: One of the largest independent insurance brokerages in the US, headquartered in Daytona Beach, FL. Highly comparable to Acentria as a Florida-rooted, multi-line independent agency with national reach and deep Southeast US presence.
• Acrisure: Fast-growing US insurance brokerage platform built through aggressive M&A of regional agencies. Comparable as a roll-up acquirer of independent agencies with Southeast US presence and full-service personal/commercial/benefits lines.
• The Hilb Group: Mid-Atlantic and Southeast US-focused insurance brokerage with personal, commercial, and benefits offerings. Comparable regional independent agency operating through distributed offices with a multi-carrier placement model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/acentriaagent
• Facebookfacebook.com/acentriainsurance
• LinkedInlinkedin.com/company/acentria
• Instagraminstagram.com/acentriainsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries3 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 Acentria Insurance