Stahl & Associates Insurance

What Stahl & Associates Insurance does

Stahl & Associates Insurance is a privately held insurance brokerage and risk management advisory headquartered in St. Petersburg, Florida, founded in 1983 by Robert L. Stahl. The firm operates four offices across Florida (St. Petersburg, Lakeland, Oldsmar, Longwood) serving a national client base, and is structured as a Higginbotham Partner within one of the largest independent insurance, financial, and HR services platforms in the United States. With 140+ associates, it is described as the largest privately held insurance agency in Florida.

The firm delivers four core product lines: (1) Commercial Insurance & Risk Management spanning risk evaluation, program placement, claims advocacy, data analytics, and the proprietary People Safe Solutions™ behavioral-based safety program built around Root Cause Analysis, OSHA training, fleet safety, accident investigation, and Return-to-Work programs, integrated with SafetyPlusWeb™ cloud-based safety management software; (2) Employee Benefits covering health, dental, vision, life, disability, 401(k), ESOP, compliance support, wellness programming, and benefits administration technology; (3) Private Client Services for high-net-worth households including homeowners, auto, yacht/marine, flood, private aviation, collections, and excess liability; and (4) Personal Health Insurance for individuals and families, including ACA marketplace plans and travel medical. The technology stack is conventional brokerage tooling — a Vertafore-hosted client portal, SafetyPlusWeb™ integration, and internal claims analytics — with no AI/ML layer disclosed.

Revenue is generated through traditional insurance agency commissions on premium placed with carrier partners across commercial, employee benefits, private client, and personal lines, with annual billing cadence and pricing determined per engagement based on client risk profile, coverage requirements, and market conditions. Go-to-market is sales-led B2B and B2C, executed through dedicated account executives and branch managers, inside sales for inbound quote and certificate of insurance requests, a self-service client portal on Vertafore, and referral-driven relationship selling supported by webinars, industry events, and organic social media presence. Customer segments span mid-market and enterprise commercial clients across banking, construction, healthcare, hospitality, manufacturing, nonprofits, technology, and transportation, alongside high-net-worth individuals and individual/family health consumers.

Name

Stahl & Associates Insurance

Legal name

Stahl & Associates Insurance, Inc.

Website

https://stahlinsurance.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

101–250 employees

Short description

Stahl & Associates Insurance is a privately held Florida-based insurance brokerage and risk management advisory serving commercial, employee benefits, private client, and personal health customers nationwide through four offices and a Higginbotham partnership.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Commercial insurance brokerage
• Employee benefits consulting
• Risk management services
• Personal lines insurance
• Insurance agency services

Headquarters

HQ city

St. Petersburg

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: Traditional insurance agency model generating revenue through commissions from insurance carriers on placed coverage for commercial insurance, employee benefits, personal lines, and private client services. Commissions earned as percentage of premium volumes placed with insurance partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Stahl & Associates Insurance is a full-service insurance brokerage that places commercial insurance, employee benefits, private client (personal lines) coverage, and individual/family health insurance for businesses and individuals across Florida and the United States. Its commercial practice combines risk analysis, program placement, claims management, and the proprietary People Safe Solutions™ behavioral-based safety and loss control program. The firm operates as a Higginbotham Partner, giving clients access to all major insurance markets and carriers while delivering service through four Florida offices and a client self-service portal.

Product overview

Stahl & Associates Insurance is part of Higginbotham and operates as a regional insurance agency with a multi-product portfolio. The company offers four core product lines: (1) Commercial Insurance & Risk Management with four integrated service components (Risk Management Consulting, Data Analytics & Reporting, Claims Management, Coverage Advisory & Placement) plus the proprietary People Safe Solutions safety program; (2) Employee Benefits with six service modules (Financial Management & Cost Containment, Compliance, HR Support, Technology Solutions, Wellness, Communication) plus Life Insurance Planning and Retirement Plans; (3) Private Client Services with seven specialized coverage areas (Homeowners, Automobile, Yacht/Marine, Flood, Aviation, Collections, Excess Liability); and (4) Personal Health Insurance covering individual health, dental/vision, accident, and travel medical. The company has four Florida offices and serves clients nationally across industries including banking, construction, healthcare, hospitality, manufacturing, nonprofits, technology, and transportation.

Differentiator

Problem solved

Functional benefit

Brands

• People Safe Solutions™: Proprietary behavioral-based safety and loss control program led by the company's in-house Vice President of Safety and Loss Control Team, including OSHA training, fleet safety, and accident investigation.

Products and services

• Commercial Insurance & Risk Management Comprehensive commercial insurance programs combining risk analysis, program placement, education, compliance, claims management, and risk management for mid-market and enterprise commercial clients across multiple industries.
• People Safe Solutions™ Proprietary behavioral-based safety and loss control program led by an in-house Vice President of Safety, providing OSHA training and compliance, fleet safety and driver training, accident investigation, return-to-work programs, and ongoing safety management for commercial clients.
• Employee Benefits Comprehensive employee benefits offering including group health, retirement plans (401(k), deferred compensation, ESOP, 403(b)), life and disability insurance, wellness programs, compliance support, HR support, and benefits administration technology for employer clients.
• Private Client Services Comprehensive personal insurance solutions for high-net-worth individuals and families with complex portfolios, including homeowners, auto, umbrella/excess liability, yacht and marine, flood, private aviation, jewelry/fine art collections, and annual comprehensive risk analysis.
• Personal Health Insurance Individual and family health insurance including ACA/Obamacare marketplace plans, dental, vision, accident coverage, HSA/FSA options, and travel medical insurance, with access to multiple providers and tailored plan design.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• HigginbothamcoreStrategic or Co-development PartnerStahl & Associates Insurance is a Higginbotham Partner, part of one of the nation's largest independent insurance, financial and HR services firms. This partnership provides expanded resources and capabilities while maintaining the personal service that distinguishes the firm. Stahl operates as a regional office within the Higginbotham network with global capabilities.
• SafetyPlusWeb™coreTechnology or IntegrationStrategic partnership with SafetyPlusWeb™ providing cloud-based safety management software to clients. The platform enables safety training, training tracking, inspection logging, incident management, employee signature capture, and trend analysis. Built by safety experts with over 30 years of industry experience.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Higginbotham: Higginbotham is the parent partner organization of Stahl & Associates Insurance and operates as one of the largest independent insurance, financial, and HR services firms in the U.S. Stahl functions as a regional office within Higginbotham's network, sharing the multi-line brokerage and benefits model.
• Brown & Riding Insurance Services: Brown & Riding is a mid-to-large specialty insurance brokerage offering commercial, personal, and employee benefits solutions across the U.S. Its multi-line, relationship-driven model and specialty expertise make it closely comparable to Stahl's commercial and private client platform.
• Holmes Murphy: Holmes Murphy is a privately held, multi-line insurance brokerage offering commercial insurance, employee benefits, and personal lines primarily in the Midwest. Comparable to Stahl in operating as a privately held, multi-product brokerage serving regional mid-market and enterprise clients.
• Hylant: Hylant is a privately held insurance brokerage serving commercial, personal, and employee benefits clients across the Midwest and Southeast. Its multi-line model and emphasis on risk management and client advisory services parallel Stahl's offerings.

Broad incumbents

• AssuredPartners: AssuredPartners is one of the largest U.S. insurance brokerages, formed through aggressive regional roll-ups, with strong Florida presence. It is comparable to Stahl as a multi-line commercial and personal lines broker operating across the same Florida market.
• Hub International: Hub International is a large North American insurance brokerage offering commercial, personal, employee benefits, and risk management services. Comparable to Stahl across product lines, but at significantly greater scale and national footprint.
• USI Insurance Services: USI is a top-10 U.S. insurance brokerage delivering commercial, personal, and employee benefits solutions through a nationwide network. It competes with Stahl in the same mid-market and enterprise commercial segment, especially in Florida.
• Lockton Companies: Lockton is the world's largest privately held insurance brokerage, providing commercial, benefits, and personal lines globally. Comparable to Stahl as a privately held, multi-line broker with a relationship-driven culture serving commercial clients.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm serving commercial, benefits, and personal lines clients. Comparable as a broad incumbent offering the same product mix as Stahl across Florida and nationally.
• Marsh McLennan Agency: Marsh McLennan Agency is the middle-market arm of Marsh, providing commercial insurance, employee benefits, and private client services. Comparable to Stahl in the multi-line mid-market segment and benefits advisory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/StahlInsurance
• LinkedInlinkedin.com/company/stahl-&-associates-insurance
• Instagraminstagram.com/stahlinsurance/?hl=en

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Stahl & Associates Insurance