Insurance & Benefit Partners
- Company typePrivate
- Founded-
- HeadquartersJupiter, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Insurance & Benefit Partners does
Insurance & Benefit Partners is an independently owned and locally operated insurance agency headquartered in Jupiter, Florida, serving individual, family, and commercial clients across the state of Florida. The agency functions as a multi-line independent agent, placing business with 35+ insurance carriers spanning auto, home, boat, life, health, and a broad set of specialty personal and commercial lines. Its technology footprint is conventional for an independent agency: a website with online quote-request forms, phone-based and in-person consultation channels, social media presence (Facebook, LinkedIn), a content blog, and a customer referral program. There is no proprietary underwriting, distribution, or AI-driven platform disclosed; competitive differentiation is rooted in carrier breadth, local Florida expertise, and personalized service rather than technology.
The agency generates revenue exclusively through commissions paid by the carriers it represents for placing and servicing policies across its product portfolio. Personal lines include auto, homeowner, boat, motorcycle, RV, classic car, condo, renters, flood, landlord, umbrella, and off-road vehicle coverage. Commercial lines span business, contractor, restaurant, commercial auto, commercial property, commercial umbrella, general liability, cyber liability, and inland marine. In July 2024 the company expanded into Individual and Group Benefits (health, dental, vision, life, ancillary products) and added Payroll and Workman's Comp services through a PEO arrangement, forming a new Health Division led by Alexandria Bubla. The operating model remains sales-led and relationship-driven, with a small staff of 9 (1 owner/agent, 5 licensed agents, 3 agency management) supporting the full Florida footprint from a single Jupiter office. No external funding, parent company, or institutional ownership is referenced; the business is privately held by owner Nicole Bates and operates with no public revenue disclosures.
Insurance & Benefit Partners firmographics
Firmographics- Name
- Insurance & Benefit Partners
- Legal name
- Insurance & Benefit Partners
- Website
- https://insurancebp.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Insurance & Benefit Partners industry classification
Industry- Product category
- Independent Insurance Agency
- 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
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
- akta.pro secondary industries
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), International Benefits Administration & Global Benefits Brokerage (BPACAHAG), Group AD&D (Standalone or Bundled with Life) (FSAIADAG)
Keywords
Where Insurance & Benefit Partners is headquartered
LocationHeadquarters
- HQ city
- Jupiter
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Insurance & Benefit Partners business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commissions: Revenue generated through commissions from insurance carriers for placing personal and commercial insurance policies including auto, home, life, business, and specialty insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Personal Insurance Products |
| Other | Pay-as-you-go | Commercial Insurance Products |
| Other | Pay-as-you-go | Health & Benefits |
| Other | Pay-as-you-go | Payroll Services |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Insurance & Benefit Partners product offering
Product offeringCore offering
Insurance & Benefit Partners is an independently owned insurance agency that matches Florida customers with coverage from 35+ carriers. The agency sells personal insurance (auto, home, boat, life, umbrella, renters, flood, etc.), commercial insurance (general liability, commercial auto, property, cyber, contractor, restaurant), and life/health insurance. In July 2024 the agency expanded into Individual and Group Benefits plus payroll/PEO services under a new Health Division.
Product overview
Insurance & Benefit Partners is an independently owned and locally operated independent insurance agency headquartered in Jupiter, Florida, serving clients across Florida. The company operates as a portfolio of insurance products organized into three main categories: Personal Insurance (including Auto, Homeowner, Boat, Classic Car, Condo, Flood, Landlord, Motorcycle, Off-Road Vehicle, RV, Renters, and Umbrella coverage), Business Insurance (including Commercial Auto, Commercial Liability, Commercial Property, Commercial Umbrella, Contractor, Cyber Liability, Inland Marine, and Restaurant coverage), and Life & Health Insurance. The agency also expanded in July 2024 to offer Individual and Group Benefits including Health, Dental, Vision, Life, and ancillary products, along with Payroll/PEO services. The company represents over 35 insurance carriers including Aetna, GEICO, Progressive, Travelers, and UnitedHealthcare, offering free quotes and comparing coverage options from multiple providers.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Coverage for personal vehicles including liability, collision, comprehensive, and additional protection options, sold to Florida individuals and families.
- Homeowner Insurance Protection for residential properties against covered perils, damage, and loss, sold to Florida homeowners.
- Boat Insurance Coverage for boats and watercraft against damage, theft, and liability on the water, sold to Florida boat owners.
- Life Insurance Financial protection for beneficiaries upon the policyholder's death, sold to Florida individuals and families.
- Business Insurance Comprehensive coverage options for businesses including liability, property, and specialized business protections, sold to Florida businesses.
- Contractor Insurance Specialized coverage for contractors including liability, tools, equipment, and business property protection, sold to Florida contractors.
- Restaurant Insurance Tailored coverage for restaurants including property, liability, liquor liability, and business interruption, sold to Florida restaurant owners.
- Cyber Liability Insurance Protection against costs associated with cyber events including data breaches, ransomware, regulatory fines, and reputational management, sold to Florida businesses.
- Umbrella Insurance Additional personal liability protection providing at least $1,000,000 in coverage beyond underlying policy limits for home, auto, and other policies, sold to Florida individuals and families.
- Renters Insurance Coverage for personal belongings, liability, and additional living expenses for renters in Florida.
- RV Insurance Protection for recreational vehicles including motorhomes and travel trailers against accidents, theft, vandalism, and natural disasters, sold to Florida RV owners.
- Off-Road Vehicle Insurance Coverage for golf carts, ATVs, dirt bikes, dune buggies, snowmobiles, and other motorsports vehicles, sold to Florida owners.
- Motorcycle Insurance Coverage for motorcycles from street cycles to dirt bikes including liability, custom parts, roadside assistance, and medical coverage, sold to Florida motorcycle owners.
- Landlord Insurance Protection for residential rental properties, structures, landlord liability, wrongful eviction, and personal property on premises, sold to Florida landlords.
- Inland Marine Insurance Coverage for movable assets and property while in transit or temporarily stored at various locations, sold to Florida businesses.
Companies that use Insurance & Benefit Partners
Customer profileSegments3 records
Ideal customer profiles3 records
Insurance & Benefit Partners technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Insurance & Benefit Partners partnerships and signals
Strategic signalPartnerships
35 partnerships are on record, tiered core.
- AetnacoreHealth insurance carrier represented by Insurance & Benefit Partners offering individual and group health plans
- American IntegritycoreProperty insurance carrier represented offering home insurance products in Florida
- Bristol WestcoreAuto insurance carrier represented offering vehicle coverage
- Cabrillo CoastalcoreCoastal property insurance carrier represented offering specialized coverage
- Centauri InsurancecoreInsurance carrier represented offering property coverage
- CignacoreHealth insurance carrier represented offering dental, vision, and health insurance
- EdisoncoreFlorida-based property insurance carrier represented
- Florida PeninsulacoreFlorida-focused property insurance carrier represented
- GEICOcoreMajor auto and home insurance carrier represented
- GeoVera InsurancecoreFlood insurance specialist represented
- HagertycoreClassic car insurance specialist represented
- Heritage InsurancecoreFlorida property insurance carrier represented
- Homeowners ChoicecoreFlorida-focused home insurance carrier represented
- HumanacoreHealth insurance carrier represented offering Medicare and individual plans
- Liberty MutualcoreMajor national insurance carrier represented offering auto, home, and business coverage
- Monarch NationalcoreNational flood insurance carrier represented
- National General InsurancecoreInsurance carrier represented offering multiple coverage types
- Neptune FloodcoreFlood insurance specialist represented
- OlympuscoreInsurance carrier represented offering property coverage
- Ovation Home Insurance ExchangecoreHome insurance exchange represented offering policy options
- People's TrustcoreFlorida property insurance carrier represented
- ProgressivecoreMajor auto insurance carrier represented with multiple coverage options
- Security FirstcoreFlorida-focused property insurance carrier represented
- SlidecoreInsurance carrier represented offering coverage options
- Southern OakcoreFlorida property insurance carrier represented
- SwyfftcoreInsurance carrier represented offering property coverage
- TailrowcoreInsurance exchange represented offering coverage options
- Tower HillcoreMajor Florida insurance carrier represented offering property coverage
- TravelerscoreMajor national insurance carrier represented offering comprehensive coverage
- TypTapcoreInsurance carrier represented offering coverage options
- United AmericancoreInsurance carrier represented offering multiple coverage types
- UnitedHealthcarecoreMajor health insurance carrier represented offering comprehensive health plans
- Universal Property & Casualty InsurancecoreFlorida-focused property insurance carrier represented
- VYRDcoreInsurance carrier represented offering coverage options
- Wright FloodcoreFlood insurance specialist represented offering NFIP and excess flood coverage
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Insurance & Benefit Partners competitors and assessment
Company assessmentBroad incumbents
- Brown & Brown, Inc. Large Florida-headquartered insurance brokerage and agency; directly comparable as a multi-line independent agency/brokerage model, but operates nationally at vastly greater scale than Insurance & Benefit Partners.
- Hub International: Major North American insurance brokerage with strong personal and commercial lines; comparable as a multi-carrier intermediary, though much larger and geographically diversified beyond Florida.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm; comparable as a multi-line agency competing for commercial and personal accounts, though at enterprise scale and with broader specialty capabilities.
- Allstate (captive agent channel): National carrier with a captive-agent distribution model that competes head-to-head with independent agencies for personal auto and home buyers in the same Florida geography.
- State Farm: Largest U.S. personal-lines insurer with a captive-agent force; primary substitute channel for the agency's personal auto, home, and life customers in Florida.
Direct peers
- The Ryan Insurance Group: Florida-based independent insurance agency; appears operationally connected (agency management staff email is hosted at theryaninsurancegroup.com). Most directly comparable independent agency peer in the same Florida market.
Emerging players
- Hiscox: Specialty insurer with a digital small-business focus (including cyber liability, a product the agency offers); competes for the same Florida SMB commercial accounts via a more direct, tech-enabled distribution model.
- NEXT Insurance: Digital commercial-lines insurtech targeting contractors, restaurants, and small businesses — the same SMB verticals the agency serves; increasingly competing for small-commercial accounts that flow through independent agencies.
- Lemonade: Direct-to-consumer insurtech selling homeowners and renters insurance with no intermediary; a structural threat to the agency's personal-lines book, particularly for younger Florida renters and condo owners.
- Insureon: Online commercial insurance marketplace for small businesses (BOP, general liability, workers' comp); competes with the agency for digital-first SMB buyers before they reach a local broker.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Insurance & Benefit Partners social profiles
Digital presenceInsurance & Benefit Partners financial estimates
Financial estimateRevenue estimate
Valuation estimate
Insurance & Benefit Partners leadership team
Management profileNumber of profiles
Profiles9 records
Insurance & Benefit Partners funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Insurance & Benefit Partners M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Insurance & Benefit Partners
What does Insurance & Benefit Partners do?
Insurance & Benefit Partners is an independently owned insurance agency that matches Florida customers with coverage from 35+ carriers. The agency sells personal insurance (auto, home, boat, life, umbrella, renters, flood, etc.), commercial insurance (general liability, commercial auto, property, cyber, contractor, restaurant), and life/health insurance. In July 2024 the agency expanded into Individual and Group Benefits plus payroll/PEO services under a new Health Division.
Is Insurance & Benefit Partners a public or private company?
Insurance & Benefit Partners is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Insurance & Benefit Partners founded?
Insurance & Benefit Partners was founded in -1. It employs 1 to 10 people.
Where is Insurance & Benefit Partners based?
Insurance & Benefit Partners is headquartered in Jupiter, United States, in the North America region.
How does Insurance & Benefit Partners make money?
One revenue line is on record: insurance Commissions.
Who are Insurance & Benefit Partners's main competitors?
Broad incumbents on record are Brown & Brown, Inc., Hub International, Arthur J. Gallagher & Co., Allstate (captive agent channel) and State Farm. The Ryan Insurance Group is listed as a direct peer. Emerging players are Hiscox, NEXT Insurance, Lemonade and Insureon.
Does Insurance & Benefit Partners have an API?
No public API is recorded for Insurance & Benefit Partners.
What industry is Insurance & Benefit Partners in?
Insurance & Benefit Partners's product category is Independent Insurance Agency. Its primary akta.pro industry code is FSAIAFAD, Small Group Health Insurance (2–50/100), with a secondary code of FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident). Its NAICS code is 5242 and its SIC code is 6411.