Responsive Insurance

What Responsive Insurance does

Responsive Insurance is an independent insurance agency founded in January 2013 by Matt Nance, headquartered in Naples, Florida, with a secondary office in Estero and operations serving the Southwest Florida region. The agency represents more than 15 A-rated insurance carriers, including Progressive, Travelers, SafeCo, Hagerty, and numerous Florida-domestic insurers such as Tower Hill, Citizens Property Insurance, and FedNat, allowing it to compare coverage and pricing across carriers for each client rather than selling a single carrier's products. The firm offers a broad 26+ product portfolio split between personal lines (auto, home, condo, renters, flood, hurricane, landlord, secondary home, umbrella, life, disability, long-term care, motorcycle, boat, classic car, RV) and commercial lines (business owners policy, general liability, commercial property, commercial auto, cyber liability, EPLI, workers' compensation, landscaper, commercial umbrella).

The business model is a traditional independent agency commission model: revenue is generated by commissions earned from carriers on policy placement and ongoing servicing, with no public pricing disclosed and all quotes handled individually. The agency has grown to serve over 2,500 active clients through a 1-10 person team headquartered in Naples and supplemented by remote virtual assistants handling quoting and back-office operations. Go-to-market is direct-to-consumer via website, phone (239-596-3177), in-person consultations at both offices, Google reviews, and a BNI referral network. The client base is a long-tail of individuals and small-to-medium businesses in Southwest Florida, with no enterprise customers or institutional clients identified. Notable recognition includes 2025 Big 'I' Best Practices Agency status and BBB accreditation.

The technology footprint is minimal: the agency uses the third-party Glovebox client portal (agencyId=1570) and a downloadable mobile app, but the input data references no proprietary technology, no AI/ML capabilities, no integrations, and no patents or trademarks. Operating geographies are restricted to Southwest Florida, with no global footprint or geographic expansion claims.

Name

Responsive Insurance

Legal name

Responsive Insurance, Inc.

Website

https://responsiveinsurance.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Responsive Insurance is an independent Naples, Florida insurance agency serving over 2,500 individual and small-business clients across Southwest Florida with personal and commercial coverage from multiple A-rated carriers.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Workers’ Compensation for Small Business & Pay-As-You-Go Programs (FSAJAEAG)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Traditional Long-Term Care (LTC) Insurance (FSAIAJAA), Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC)

Keywords

• Personal insurance
• Commercial insurance
• Independent insurance agency
• Auto and home insurance
• Florida insurance broker

Headquarters

HQ city

Naples

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, Responsive Insurance earns commissions from insurance carriers when they sell and service insurance policies on behalf of those carriers. The agency represents multiple A-rated insurance companies and receives compensation for policy placement and ongoing client service.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Responsive Insurance is an independent insurance agency that places personal and commercial insurance coverage for Southwest Florida residents and small businesses by comparing policies across multiple A-rated insurance carriers. The agency sells and services policies such as auto, home, flood, hurricane, life, disability, umbrella, business owners, general liability, commercial auto, cyber liability, EPLI, and workers' compensation on behalf of carriers including Progressive, Travelers, Hagerty, Bankers, Citizens, and others.

Product overview

Responsive Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. Their personal insurance offerings include vehicle coverage (auto, motorcycle, boat, classic car, RV), property coverage (home, condo, renters, flood, landlord, hurricane, secondary home), and personal protection (umbrella, life, disability, long-term disability, long-term care). Their commercial insurance suite covers business owners policies, general liability, commercial property, commercial auto, cyber liability, employment practices liability, landscaper insurance, workers' compensation, and commercial umbrella coverage. As an independent agency representing multiple A-rated insurance companies, they compare coverage and prices to match client needs across all product lines.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance
• Motorcycle Insurance
• Boat Insurance
• Classic & Antique Car Insurance
• RV & Motorhome Insurance
• Home Insurance
• Condo Insurance
• Renters Insurance
• Flood Insurance
• Landlord Insurance
• Hurricane Insurance
• Secondary Home Insurance
• Personal Umbrella Insurance
• Life Insurance
• Disability Insurance
• Long Term Disability Insurance
• Long Term Care Insurance
• Business Owners Insurance (BOP)
• Commercial Auto Insurance
• Commercial Property Insurance
• Cyber Liability Insurance
• General Liability Insurance
• Employment Practices Liability Insurance (EPLI)
• Landscaper Insurance
• Workers' Compensation Insurance
• Commercial Umbrella Insurance

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Multiple A-Rated Insurance CompaniescoreOthersAs an independent insurance agency, Responsive Insurance represents multiple A-rated insurance carriers including but not limited to: Hagerty, Progressive, SafeCo, Travelers, American Integrity, Bankers Insurance Group, Citizens Property Insurance, Cypress Property & Casualty, FedNat, Heritage Property & Casualty, Prepared Insurance Company, SafePoint Insurance, St. John's Insurance Company, Tower Hill, United Property & Casualty, Universal Insurance Company of North America, and Universal Property & Casualty. These carriers provide the actual insurance products while Responsive Insurance assists in placing coverage and servicing clients.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown, Inc. Large publicly traded insurance brokerage headquartered in Daytona Beach, Florida, with deep P&C and commercial-lines expertise across the U.S. Comparable as a Florida-rooted multi-carrier brokerage, though at vastly larger scale than Responsive Insurance.
• Allstate: National personal-lines carrier that uses captive agents. Founder Matt Nance began his career at an Allstate agency, and Allstate is a primary competitor for Southwest Florida personal-lines customers; a multi-carrier independent agency like Responsive is the structural alternative.
• Hub International: Major North American insurance brokerage offering personal and commercial lines across multiple carrier partners. Comparable multi-carrier distribution model serving SMB and individual segments, with the scale Responsive Insurance could aspire to via roll-up.
• Progressive: Direct-to-consumer auto insurer and one of Responsive Insurance's represented carrier partners. Comparable as a major auto-insurance brand, though Progressive sells direct while Responsive distributes via agency channel.
• State Farm: Largest U.S. personal-lines insurer, primarily via captive agents. Competes for the same auto/home/flood customers in Southwest Florida that Responsive targets, and is a frequent comparison point for independent agency switching pitches.

Emerging players

• Hippo Insurance: Insurtech focused on homeowners insurance with smart-home data integration. Targets the same homeowners segment that Responsive Insurance serves in hurricane-exposed Florida.
• Lemonade: Insurtech direct-to-consumer carrier using AI-driven underwriting for renters, homeowners, and pet. Competes for the same Southwest Florida personal-lines customer, especially younger demographics, and represents the digital-channel threat to traditional agencies.

Regional players

• Florida Peninsula Insurance Company: Florida-only homeowners property carrier. As one of Responsive Insurance's represented carriers and a regional specialty underwriter, it shares the same Florida catastrophe-insurance niche.

Direct peers

• Frank H. Furman Insurance: Long-standing independent Florida insurance agency offering personal and commercial lines across multiple carriers. Closest structural comp to Responsive Insurance in terms of independent agency model, multi-carrier distribution, and Florida focus.
• Wallace, Welch & Willoughby: Independent insurance agency serving Southwest Florida with personal and commercial lines via multiple carriers. Directly comparable in geography (Naples/Fort Myers), customer base (SW Florida residents and SMBs), and product mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/responsiveinsurance
• Xx.com/respinsurance
• LinkedInlinkedin.com/company/responsive-insurance-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Responsive Insurance