Insurance Programs of America

What Insurance Programs of America does

Insurance Programs of America is a privately held insurance brokerage firm headquartered in Maitland, United States, founded in 2007. The firm operates as a specialty commercial-lines agency, arranging insurance coverage for clients in four defined verticals: restaurants, hotels, senior living facilities, and national property accounts. Its stated focus on these hospitality and care-related industries indicates a vertical-specialist positioning rather than a generalist retail brokerage model.

The firm has a small operating footprint of 11-50 employees, consistent with a niche agency that relies on specialized underwriting expertise, carrier relationships, and accumulated book-of-business renewal economics rather than scale. No technology stack, proprietary platform, or product features are disclosed in the available data, suggesting a conventional brokerage operating model dependent on agent-of-record relationships and carrier appointments.

The business model is that of a traditional US insurance agency, where revenue is generated through commissions on placed coverage and contingent/profit-share arrangements with carriers. No pricing models, publicly disclosed commission schedules, distribution channels, or customer logos are documented in the input, limiting visibility into revenue mix, segment concentration, or go-to-motion. The firm maintains a web presence at ipoausa.com.

Name

Insurance Programs of America

Website

https://ipoausa.com

Company type

Private

Founded year

2007

Headcount range

11–50 employees

Short description

Insurance Programs of America is a privately held specialty insurance brokerage founded in 2007 and based in Maitland, United States, arranging coverage for restaurants, hotels, senior living facilities, and national property accounts.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Commercial Property Insurance (FSAJACAE), Large Commercial Package (National Accounts) (FSAJAFAC), Public Liability (Premises/Operations) (FSAJADAD)

Keywords

• Commercial insurance brokerage
• Hospitality insurance coverage
• Senior living insurance
• Property insurance programs
• Restaurant insurance brokerage

Headquarters

HQ city

Maitland

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Core offering

Insurance Programs of America is a commercial insurance brokerage firm that places coverage for businesses operating in the restaurant, hotel, senior living, and national property account segments. The firm acts as an intermediary between these commercial clients and insurance carriers, arranging specialized policies tailored to each industry's risk profile.

Differentiator

Problem solved

Functional benefit

Products and services

• Restaurant insurance coverage Commercial insurance brokerage services placing property, general liability, workers' compensation, and related coverages for restaurant operators.
• Hotel insurance coverage Commercial insurance brokerage services placing property, general liability, umbrella, and related coverages for hotel owners, operators, and management companies.
• Senior living insurance coverage Commercial insurance brokerage services placing professional liability, abuse and neglect coverage, property, and workers' compensation for senior living and long-term care operators.
• National property account coverage Commercial insurance brokerage services placing master property programs, inland marine, equipment breakdown, and related coverages for national, multi-location commercial property accounts.

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Direct peers

• Heffernan Insurance Brokers: Mid-market commercial insurance brokerage serving hospitality, real estate, and nonprofit verticals. Comparable as a regional specialty broker with similar account sizes and vertical focus to IPOA.
• Bolton & Company: Independent insurance brokerage that has historically specialized in hospitality, restaurants, and entertainment risks. Comparable as a mid-sized specialty broker with deep hospitality vertical expertise competing for similar accounts.
• Ames & Gough: Specialty insurance brokerage serving hospitality, real estate, and construction risks. Comparable as a mid-sized independent broker with similar vertical focus and account profile to IPOA.
• Hilb Group: Middle-market commercial insurance brokerage with strong hospitality and senior living practice groups. Comparable as a growing specialty brokerage that aggregates niche vertical expertise through acquisition.
• Brown & Riding Insurance Services: Specialty insurance broker with expertise in hospitality, real estate, and commercial property. Comparable as a privately held specialty broker competing for similar mid-market and large-line accounts.
• RPS Insurance (Risk Placement Services): Specialty wholesale and retail broker with strong hospitality, restaurant, and senior living practices. Comparable in vertical specialization and in the placement of national property programs for multi-location operators.
• Woodruff Sawyer & Company: Independent commercial insurance brokerage focused on mid-market property and casualty risks, including hospitality and real estate exposures. Comparable as a privately held specialty broker serving similar account profiles.

Broad incumbents

• Marsh McLennan: Global insurance and risk advisory leader with dedicated hospitality and senior living teams. Comparable as a broad incumbent that increasingly targets mid-market specialty accounts and large property programs.
• Aon: Global insurance brokerage with significant hospitality and commercial property capabilities. Comparable as a large-scale incumbent whose scale and technology investments pressure smaller specialty brokerages.
• Arthur J. Gallagher & Co. One of the largest global insurance brokerages with extensive hospitality, senior living, and national property practices. Comparable as the incumbent that IPOA competes against for mid-market and large commercial accounts.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks4 records

Key highlights4 records

Customer concentration

• Xx.com/IPOAUSA
• Facebookfacebook.com/InsuranceProgramsOfAmerica

Revenue estimate

Valuation estimate

Number of profiles

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 Insurance Programs of America