M & M Insurance Agency

What M & M Insurance Agency does

M & M Insurance Agency Inc. is a privately held, full-service independent insurance agency founded in 1999 and headquartered at 6076 Okeechobee Blvd, Suite 41, West Palm Beach, Florida. The agency operates under the leadership of founder Marvin and has been serving the Palm Beach County market for over 25 years, distributing personal and commercial insurance products through carrier partnerships with Progressive and Bristol West. It does not underwrite or issue policies itself; rather, it acts as an intermediary that shops multiple top-rated carriers on behalf of customers to source coverage.

The agency's product portfolio spans fourteen personal lines — auto, homeowners, life, boat, motorcycle, RV, watercraft, golf cart, condo, contents, travel trailer, umbrella, bond, and general liability insurance — plus two commercial lines (commercial auto and commercial property). It uses no proprietary technology, relying instead on standard insurance industry platforms to generate quotes and process coverage through its partner carriers. Revenue is earned as transaction-fee commissions paid by carriers on policies sold, with no publicly disclosed pricing tiers and free quote-based engagement as the customer entry point.

The go-to-market is sales-led and direct: customers contact the agency via phone (561-296-2825), email ([email protected]), or online forms; receive personalized quotes; compare carrier options; and finalize coverage. Service is concentrated in Palm Beach County and Southeast Florida sub-markets including Boynton Beach, Green Acres, Lake Worth, Lake Worth Beach, Lantana, Royal Palm Beach, and West Palm Beach. The supporting marketing footprint consists of a content website (mminsuranceinc.com) and an active Facebook page, with no mobile app, no public API, no disclosed integrations, and no parent company, funding rounds, or M&A activity in the record.

Name

M & M Insurance Agency

Legal name

M & M Insurance Agency Inc.

Website

https://mminsuranceinc.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

M & M Insurance Agency Inc. is a privately held independent insurance agency in West Palm Beach, Florida, distributing personal and commercial insurance products through carrier partnerships with Progressive and Bristol West to households and small businesses across Palm Beach County.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

General Liability Insurance (FSAJAMAE)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance solutions
• Insurance brokerage services
• Multi-carrier insurance quotes

Headquarters

HQ city

West Palm Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, M & M Insurance earns revenue through commissions paid by insurance carriers (such as Progressive and Bristol West) on policies sold to customers. The agency acts as an intermediary connecting customers seeking coverage with insurance providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

M & M Insurance Agency is a full-service independent insurance agency based in West Palm Beach, Florida that acts as an intermediary connecting customers with top-rated insurance carriers such as Progressive and Bristol West. The agency sells a broad portfolio of personal lines (auto, homeowners, life, boat, motorcycle, RV, condo, contents, umbrella, watercraft, golf cart, travel trailer, bond, and general liability) and commercial lines (commercial auto and property), offering free personalized quotes from multiple providers to match coverage to customer budgets and needs.

Product overview

M & M Insurance Agency is a full-service independent insurance agency offering a comprehensive portfolio of insurance products. Their personal insurance offerings include Auto Insurance, Homeowners Insurance, Life Insurance, Motorcycle Insurance, Boat Insurance, Watercraft Insurance, Golf Cart Insurance, RV Insurance, Travel Trailer Insurance, Condo Insurance, Contents Insurance, Bond Insurance, General Liability Insurance, and Umbrella Insurance. Their commercial insurance offerings include Commercial Auto Insurance and Property Insurance. The agency acts as an intermediary connecting customers with insurance providers like Progressive and Bristol West to offer tailored coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Quantifiable outcome

• More than 99% customer satisfaction rate

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• ProgressivecoreOthersProgressive is one of the top insurance providers partnered with M & M Insurance Agency. The agency offers Progressive insurance products as part of their portfolio of coverage options, providing customers with access to competitive rates and reliable coverage from this well-known insurance carrier.
• Bristol WestcoreOthersBristol West is a top-rated insurance provider partnered with M & M Insurance Agency. As part of their network of insurance partners, Bristol West products are offered to customers seeking auto and related insurance coverage at affordable rates.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Emerging players

• Lemonade: Direct-to-consumer digital insurer using AI-driven underwriting. Represents a structural competitive threat to traditional independent agencies like M & M in personal lines, particularly among younger consumers.
• Simply Insurance: Online insurance agency offering quotes across multiple carriers through a digital-first experience. Comparable as a multi-carrier distribution competitor targeting the same consumer insurance shopping behavior.
• The Zebra: Online insurance comparison marketplace that aggregates quotes from multiple carriers. Represents a direct alternative to the in-person/phone agency model that M & M relies on.

Broad incumbents

• Progressive: Direct-to-consumer insurance carrier and one of M & M's named carrier partners. Comparable as a competitor in the auto insurance market (captive direct channel) and as a partner in the independent agency channel.
• Brown & Brown, Inc. Florida-headquartered insurance brokerage and agency that has grown through aggressive acquisition of independent agencies. Directly comparable as a peer in the Florida insurance distribution market, though far larger in scale.
• Hub International: Large North American insurance brokerage that acquires independent agencies. Comparable as an aggregator of independent agencies with multi-carrier distribution, though operating at far greater scale.
• Acrisure: Global insurance brokerage and fintech that has rapidly consolidated independent agencies. Comparable as a roll-up acquirer of independent agencies like M & M.
• GEICO: Direct-to-consumer auto insurance carrier owned by Berkshire Hathaway. Comparable as a competing distribution channel for the same personal lines customers M & M serves.

Direct peers

• Insurance Office of America: Florida-based independent insurance agency offering personal and commercial lines through multiple carrier partnerships. Directly comparable in product breadth, Florida focus, and independent agency model.
• Goosehead Insurance: Independent insurance agency franchise distributing personal and commercial lines through multiple carriers. Comparable in operating model (independent agency, multi-carrier) and in selling across personal and commercial lines.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/mminsuranceagencyinc

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 M & M Insurance Agency