What GTE Insurance does

GTE Insurance is an independent, locally-owned insurance agency headquartered at 711 E. Henderson Avenue in Tampa, Florida, licensed to serve the entire state. The agency operates as a multi-carrier brokerage, representing over 50 insurance carriers — including Allstate, Liberty Mutual, Safeco, Travelers, Progressive, and numerous Florida-focused specialty insurers — to source personal and commercial coverage for clients. Its product portfolio spans personal lines (auto, home, condo, renters, life, flood, umbrella, motorcycle, RV, watercraft, yacht, classic car, wedding, and high-net-worth) and commercial lines (business auto, business owners policy, commercial umbrella, general liability, commercial property, cyber liability, workers compensation), plus industry-specific programs for trucking, landscaping, contractors, restaurants, non-profits, and 80+ additional verticals.

The agency's operating model is built around human advisory service rather than proprietary technology. Its website and digital service center are powered by Agency Revolution, a third-party insurance marketing platform, while customer interactions are conducted primarily by phone (813-414-6787), email, and online quote request forms. The physical office operates by appointment only, and the agency supports bilingual English/Spanish service. Technology is therefore a thin enabler rather than a differentiator, and there is no evidence of in-house software development, proprietary algorithms, or AI/ML capabilities.

Revenue is generated exclusively through commissions and fees earned on policies placed and renewed across the carrier portfolio, with annual billing cycles and custom per-policy pricing. Go-to-market is sales-led and referral-driven: the agency maintains a formal "Refer Us" program, draws significant customer flow from its affiliated GTE Financial credit union partner, and relies on direct outreach and digital quote requests rather than paid marketing. The customer base is a long-tail of individuals, families, and small-to-medium businesses, with documented tenure exceeding 40 years for multiple accounts.

Name

GTE Insurance

Legal name

GTE Insurance

Website

https://gteinsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

GTE Insurance is an independent Tampa, Florida insurance agency representing over 50 carriers to provide personal and commercial coverage — including industry-specific programs — to Florida individuals, families, and small-to-medium businesses through a sales-led, referral-driven model.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

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

SIC

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

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Commercial General Liability (CGL) (FSAJADAA), Personal Umbrella Insurance (FSAJANAA)

Keywords

• Independent insurance agency
• Personal insurance solutions
• Commercial insurance coverage
• Multi-carrier insurance brokerage
• Industry-specific business insurance

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: GTE Insurance generates revenue through commissions earned from selling insurance policies from multiple carrier partners including Allstate, Liberty Mutual, and over 50 other insurance companies. As an independent insurance agency, they earn commissions and fees when customers purchase or renew insurance policies through their agency.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

GTE Insurance is an independent insurance agency that researches rates and coverage from 50+ insurance carrier partners to provide personal insurance (auto, home, condo, renters, life, flood, umbrella, specialty) and business insurance (business auto, business owners, commercial umbrella, general liability, commercial property, cyber liability, workers compensation) to Florida customers. As an independent agency, it earns commissions by matching customers with carrier policies rather than selling its own products.

Product overview

GTE Insurance is an independent insurance agency offering a comprehensive portfolio of personal and business insurance products. The personal insurance offerings include auto, home, condo, renters, life, flood, high net worth, motorcycle, RV, umbrella, watercraft, wedding, classic car, and yacht insurance. Business insurance solutions encompass business auto, business owners policies (combining property and liability), commercial umbrella, general liability, commercial property, cyber liability, environmental, ocean marine, risk management, workers compensation, and various specialty coverages. Industry-specific programs cover trucking (with specialized coverages including garagekeepers, bobtail, cargo, and physical damage), landscaping services, contractors, and restaurants. The agency operates as an independent agency representing multiple insurance carriers including Allstate and Liberty Mutual.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Quantifiable outcome

• Some customers report saving over $300 per month on insurance premiums compared to previous providers
• +1 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• AllstatecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner represented by GTE Insurance. Allstate provides personal and commercial insurance products through the independent agency channel. GTE offers Allstate products to customers as part of their multi-carrier portfolio.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner represented by GTE Insurance. Liberty Mutual provides personal and commercial insurance products through the independent agency channel. Featured prominently on GTE Insurance website as a key carrier partner.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by GTE Insurance. Safeco, part of Liberty Mutual, provides personal insurance products. Listed as a key partner on the About page.
• Trusted ChoicecoreStrategic or Co-development PartnerTrusted Choice is an independent insurance agency network that GTE Insurance is affiliated with. The network provides branding, marketing support, and industry resources for independent insurance agents.
• 50+ Insurance CarrierscoreChannel Partner/ Reseller/ DistributorGTE Insurance represents over 50 insurance carrier partners including Allstate, Liberty Mutual, Safeco, American Bankers Flood, American Integrity, American Modern, Bankers Insurance, Bristol West, Chubb, Citizens Property, Cowbell Cyber, Dairyland Insurance, Edison, Florida Peninsula, Frank Winston Crum, Frontline, GeoVera, Hagerty, Hiscox, Homeowners Choice, Infinity/Kemper, Jewelers Mutual, Markel, Mercury Insurance, Monarch National, Nationwide, Neptune Flood, Olympus Insurance, Orchid, Peoples Trust Insurance, Philadelphia Insurance Companies, Progressive, Safe Point Insurance, Security First Insurance, Southern Oak, Spinnaker Insurance, The General, The Hartford, Travelers, Universal Property, US Assure, USLI, VYRD Insurance, Wright Flood, and many others.
• GTE FinancialcoreChannel Partner/ Reseller/ DistributorGTE Insurance is affiliated with GTE Financial, a credit union. GTE Financial refers members to GTE Insurance for insurance services. Many customer reviews mention being referred by GTE Financial staff. The insurance division leverages the credit union's member base for customer acquisition.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Hilb Group: Mid-sized U.S. insurance brokerage that aggregates independent agencies, operating with a similar multi-carrier, multi-line personal and commercial model. Closest structural comparison to GTE in terms of agency-led, multi-state independent brokerage operations.
• Frank Winston Crum Insurance:
• Acrisure: Tech-enabled insurance brokerage built by acquiring independent agencies. Competes head-to-head with GTE in personal and commercial lines while layering digital tools and data — representing both a direct competitor and a potential roll-up acquirer of small independents.
• Bankers Insurance Group: Florida-headquartered insurance carrier and agency group focused on personal property, flood, and specialty Florida risks. Closely comparable to GTE's Florida-centric book and its reliance on Florida-specific carrier partners.

Broad incumbents

• Marsh McLennan Agency: Mid-market division of Marsh focused on U.S. commercial and personal lines brokerage. Competes with GTE for commercial property, casualty, and umbrella placements with broader carrier relationships and risk consulting capabilities.
• Brown & Brown, Inc. Large U.S. insurance brokerage headquartered in Florida with deep presence across personal and commercial lines. Operates in the same independent agency channel and represents many of the same carriers, but at a vastly larger scale and national footprint.
• Lockton Companies: Largest independent insurance brokerage in the U.S. with significant personal and commercial lines practice. Similar independent, non-captive model with multi-carrier placement, but global scale and broader specialty practices.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm. Competes with GTE for commercial and personal accounts, with particular strength in commercial lines, risk management, and industry-specific programs — overlapping with GTE's industry-specific offerings.
• HUB International: Major North American insurance brokerage offering personal, commercial, and specialty coverage across multiple carrier appointments. Overlaps directly with GTE's multi-carrier independent agency model but at national scale with deeper specialty resources.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/gte-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 GTE Insurance