O'Quinn Insurance Agency

What O'Quinn Insurance Agency does

O'Quinn Insurance Agency (legal entity O'Quinn Insurance Services LLC) is a privately held independent insurance agency founded in 1974, operating two physical offices in Ormond Beach and Palm Coast, Florida, and serving individual consumers and small commercial accounts across Volusia and Flagler counties. The agency represents more than 60 insurance carriers, including A-rated Florida property writers (Citizens, Tower Hill, Universal P&C, Florida Peninsula, Heritage), national auto and home carriers (Progressive, Liberty Mutual, Safeco, Travelers), specialty motorcycle and classic-car underwriters (Hagerty, National General), and private flood options (Neptune Flood) in addition to NFIP-sourced flood coverage. Core product lines are home, auto, motorcycle, boat, and flood insurance, supplemented by life insurance (term and whole/permanent) and umbrella liability coverage.

Revenue is generated entirely on a commission-recurring basis: the agency earns carrier-paid commissions on policies bound and renewed through it, with pricing determined by individual underwriting at each carrier and no public pricing tiers. The go-to-market is a consultative, sales-led model - free quote comparison across the 60+ carrier panel, supported by a website (floridasinsuranceagency.com) with online quote forms, an educational insurance blog, and active social channels on Facebook, LinkedIn, Instagram, and YouTube. Post-sale service is delivered through a third-party Insurance Agent App (IA App) deployed as a client portal and iOS/Android mobile app for policy documents, ID cards, change requests, and bill pay reminders. The firm employs 1-10 staff, has no parent company, no external funding, and no disclosed M&A activity. The agency has received 15 consecutive years of community-voted "Best of the Best" recognition in the Daytona Community's Choice Awards across Best Insurance Agency, Best Insurance Agent, Top Employer, and Best Boss categories.

Name

O'Quinn Insurance Agency

Legal name

O'Quinn Insurance Services LLC

Website

https://floridasinsuranceagency.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

1–10 employees

Short description

O'Quinn Insurance Agency is a privately held independent insurance agency founded in 1974, representing 60+ carriers from offices in Ormond Beach and Palm Coast, Florida, and selling home, auto, motorcycle, boat, flood, life, and umbrella insurance to individual consumers and small accounts across Volusia and Flagler counties on a commission basis.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJANAE

Standalone Umbrella Liability

Financial & Insurance/Insurance — Motor, Property & Casualty/Umbrella Insurance

SECONDARYFSAJAMAK

Umbrella Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

Keywords

• Independent insurance agency
• Home insurance
• Auto insurance
• Flood insurance
• Boat insurance

Headquarters

HQ city

Ormond Beach

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commission Revenue: O'Quinn Insurance Services operates as an independent insurance agency representing over 60 insurance carriers. Revenue is generated through commissions paid by insurance carriers on policies sold and renewed. Agents earn commission based on premium volume placed with each carrier.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

O'Quinn Insurance Services is an independent insurance agency representing over 60 insurance carriers, selling personal lines insurance products (home, auto, motorcycle, boat, flood, life, and umbrella) directly to consumers in Volusia and Flagler counties, Florida. The agency shops and compares rates across multiple carriers to match each customer with optimal coverage and pricing, operating from two physical offices in Ormond Beach and Palm Coast while providing a client portal and mobile app for policy management.

Product overview

O'Quinn Insurance Services operates as an independent insurance agency representing over 60 insurance carriers in Florida. Their core product portfolio includes Home Insurance, Car/Auto Insurance, Boat Insurance, Flood Insurance, and Motorcycle Insurance. Additional offerings include Life Insurance (term and whole/permanent policies) and Umbrella Insurance for extended liability protection. The agency provides a Client Portal and Mobile App for digital policy management. They differentiate through their independent agency model, allowing them to compare rates across multiple carriers to find optimal coverage and pricing for each customer's needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Homeowners insurance coverage protecting against property damage, structural damage, and personal belongings for Florida homeowners.
• Car/Auto Insurance Vehicle insurance coverage including liability, collision, comprehensive, and uninsured/underinsured motorist protection for Florida drivers.
• Boat Insurance Marine insurance coverage for boats of all sizes, protecting against water damage, theft, and liability on Florida waterways.
• Flood Insurance Separate flood insurance coverage through NFIP or private carriers, protecting against rising water damage from storms and hurricanes.
• Motorcycle Insurance Specialized motorcycle coverage including liability, comprehensive, collision, accessory coverage, and uninsured motorist protection for Florida riders.
• Life Insurance Term and whole/permanent life insurance policies providing financial protection for loved ones upon death, including income replacement and debt coverage.
• Umbrella Insurance Additional liability coverage extending limits on existing auto or home policies, typically starting at $1 million in additional protection.

Quantifiable outcome

• Save customers up to $500 on car insurance switching
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core.

• American IntegritycoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by O'Quinn Insurance. Customer claims contact: 866-277-9871.
• American TraditionscoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by O'Quinn Insurance. Customer claims contact: 866-270-8430.
• Citizens Property InsurancecoreChannel Partner/ Reseller/ DistributorFlorida's largest insurer and Citizens of Florida. Carrier represented for flood and property coverage. Customer claims contact: 866-411-2742.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national auto and motorcycle insurer. Carrier referenced for motorcycle insurance products. Customer claims contact: 800-776-4737.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorNational insurance carrier represented for auto and home coverage. Customer claims contact: 800-295-2723.
• HagertycoreChannel Partner/ Reseller/ DistributorClassic car and collector vehicle insurance specialist. Customer claims contact: 800-385-0274.
• National General (Intact)coreChannel Partner/ Reseller/ DistributorInsurance carrier for motorcycle coverage options. Customer claims contact: 800-468-3466.
• Safeco (Liberty Mutual)coreChannel Partner/ Reseller/ DistributorPersonal insurance products carrier. Customer claims contact: 800-332-3226.
• Tower HillcoreChannel Partner/ Reseller/ DistributorFlorida-based insurance carrier. Customer claims contact: 800-342-3407.
• TravelerscoreChannel Partner/ Reseller/ DistributorNational carrier including Standard Fire coverage. Customer claims contact: 800-252-4633.
• Neptune FloodcoreChannel Partner/ Reseller/ DistributorPrivate flood insurance carrier offering alternative to NFIP. Customer claims contact: 727-202-4815.
• Additional Carrier PartnerscoreChannel Partner/ Reseller/ DistributorAdditional represented carriers including: ASI, Aspera, Bankers, Bristol West, Cabrillo, Centauri, Cypress P&C, Edison, Florida Family, Florida Peninsula, Foremost, Frontline, Heritage, Homeowners Choice, Infinity/Kemper, Loggerhead, Mercury, Monarch, Olympus, Ovation, People's Trust, SafePoint, SageSure, Security First, Slide, Southern Oak, Swyfft, Unique Insurance, Universal North America, Universal Property & Casualty, Wright Flood. Total carrier network exceeds 60 companies.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Brightway Insurance: Jacksonville, Florida-based independent insurance agency franchise representing multiple carriers for home, auto, and other personal lines. Operates the same multi-carrier independent agency model as O'Quinn with a stronger franchise and geographic footprint across the Southeast.
• Goosehead Insurance: Publicly traded independent insurance agency that represents multiple carriers across home, auto, and other personal lines using a franchise-like model. Directly comparable in that it shops coverage across many carriers on behalf of consumers, though at significantly greater scale.

Broad incumbents

• Progressive: Major auto and motorcycle carrier that O'Quinn represents while also operating a large direct-to-consumer online and phone sales channel. Represents the dual threat/opportunity of a carrier partner that competes for the same auto and motorcycle customers O'Quinn serves.
• State Farm: Largest U.S. personal lines insurer, operating through a captive exclusive agent model with deep local office presence. Closest large-incumbent competitor for the same Volusia/Flagler homeowner and auto insurance customers.
• Allstate: Large national insurance carrier with a captive exclusive agent network selling home and auto primarily through its own branded agents. Competes for the same Florida homeowner and auto customers O'Quinn serves, but with a single-carrier model.
• GEICO: Direct-to-consumer auto insurer owned by Berkshire Hathaway that bypasses independent agents entirely. Represents the primary disintermediation threat to O'Quinn's auto commission revenue.
• Liberty Mutual: National P&C carrier that O'Quinn actually represents in its 60+ carrier portfolio, while also selling directly to consumers and through its own agents. Overlaps as both a carrier partner and an alternative distribution channel competing for the same customers.

Emerging players

• Lemonade: Digital-native insurance company using AI and mobile app distribution for homeowners and renters. Emerging disruptor targeting younger consumers who might otherwise have used a local independent agent.

Others

• Trusted Choice: Network brand and marketing organization for independent insurance agents in the U.S. Not a competitor but a peer ecosystem that O'Quinn could plausibly affiliate with for consumer referral traffic and brand positioning.

Regional players

• Florida Peninsula Insurance Company: Florida-focused homeowners insurance carrier that O'Quinn represents among its 60+ partners. Comparable in regional specialization but operates as a carrier rather than an agent, and is concentrated in the same coastal Florida risk pool.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCkXEjokR9lkiTDilne7_6CQ
• Facebookfacebook.com/OQuinnInsuranceServices
• LinkedInlinkedin.com/company/oquinninsuranceservices/about
• Instagraminstagram.com/oquinninsuranceservices
• Xx.com/oquinninsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 O'Quinn Insurance Agency