Gil and Associates Insurance Consultants

What Gil and Associates Insurance Consultants does

Gil & Associates Insurance Consultants, Inc. is a privately held, independent insurance agency founded in 2009 and headquartered in a single office at 9485 SW 72nd Street, Suite A120, Miami, Florida. The firm serves individual consumers and small-to-medium businesses across Miami-Dade and the broader state of Florida. It operates with a small team (1-10 employees) and generates revenue exclusively from carrier commissions on policies placed and renewed, with no disclosed proprietary technology platform.

The agency's product portfolio is unusually broad for its size, spanning 28+ personal lines (auto, homeowners, life, health, Medicare, flood, boat, motorcycle, RV, umbrella, landlord, condo, renters, mobile home, ATV, classic car, SR22, earthquake, windstorm, short-term rental) and commercial lines (business owners packages, general liability, commercial auto, commercial real estate, commercial property, workers compensation, contractor, commercial truck, cyber). As an independent brokerage it distributes these through a panel of 12+ insurance carriers including Progressive, Travelers, MetLife, Zurich, Mercury, Florida Peninsula, Bankers, Cypress, Olympus Insurance, Universal Property, and Peoples Trust, allowing competitive rate comparison within a single agency relationship.

The go-to-market is primarily inside-sales driven via phone (305-279-7665) and online quote request forms, supplemented by Google Search/Ads, social media, customer referrals, and a monthly email newsletter. Customer service is delivered through dedicated agents, with payments processed via an Epolicy Pay integration and claims/evidence-of-insurance requests handled directly or routed to carrier portals. The business model carries no AI/ML capability, no public pricing tiers, and no outside capital backing; economics are entirely commission-based on policy placement and renewal.

Name

Gil and Associates Insurance Consultants

Legal name

Gil & Associates Insurance Consultants, Inc.

Website

https://gilinsurance.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Gil & Associates Insurance Consultants is a privately held, independent insurance agency in Miami, Florida, offering 28+ personal and commercial insurance products through 12+ carrier partnerships to individual consumers and small businesses across Florida.

Ownership category

akta.pro rank

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, Gil & Associates Insurance Consultants earns commissions from multiple insurance carriers (including Bankers Insurance, Cypress, Florida Peninsula, Mercury, Metlife, Olympus Insurance, Progressive, Travelers, Universal Property, Zurich) for policies placed and renewed. Revenue is generated from commissions on personal insurance products (auto, home, life, health, motorcycle, boat, flood) and commercial insurance products (business owners packages, general liability, commercial auto, contractors insurance, workers compensation).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Gil and Associates Insurance Consultants, Inc. is an independent insurance agency that sells personal and commercial insurance policies on behalf of 12+ carrier partners (Progressive, Travelers, MetLife, Mercury, Florida Peninsula, Universal Property, Zurich, Bankers, Cypress, Olympus, Peoples Trust, and others) to individuals, families, and small-to-mid-sized businesses in Miami, FL and throughout the state of Florida. The agency earns commissions on policies placed and renewed, offering auto, homeowners, life, health, Medicare, flood, boat, motorcycle, RV, umbrella, and other personal lines alongside commercial lines such as business owners packages, general liability, commercial auto, contractors, workers compensation, and commercial truck insurance.

Product overview

Gil and Associates Insurance Consultants is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. Their personal insurance offerings include auto, homeowners, life, health, Medicare, flood, boat & PWC, motorcycle, ATV, classic car, RV, umbrella, landlord, condo, renters, mobile home, earthquake, windstorm, SR22, and short-term rental insurance. Their commercial insurance portfolio includes business, contractor, commercial auto, commercial real estate, general liability, commercial property, workers compensation, and commercial truck insurance. As an independent agency, they work with multiple carrier partners (including Bankers Insurance, Cypress, Florida Peninsula, Mercury, Metlife, Olympus Insurance, Progressive, Travelers, Universal Property, and Zurich) to provide tailored coverage options for clients in Miami, FL and throughout Florida.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for vehicles including accidents, liability, weather damage, collision, comprehensive, uninsured motorist, and medical payments. Offered to individual consumers and families in Florida.
• Homeowners Insurance
• Business Insurance
• Life Insurance
• Health Insurance
• Medicare Insurance
• Flood Insurance
• Boat & PWC Insurance
• Motorcycle Insurance
• Contractor Insurance
• Commercial Auto Insurance
• Commercial Real Estate Insurance
• General Liability Insurance
• Commercial Property Insurance
• Workers Compensation Insurance
• Umbrella Insurance
• Landlord Insurance
• Condo Insurance
• Renters Insurance
• Mobile Home Insurance
• ATV Insurance
• Classic Car Insurance
• RV Insurance
• SR22 Insurance
• Earthquake Insurance
• Windstorm Insurance
• Short Term Rental Insurance
• Commercial Truck Insurance

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

Eleven partnerships are on record, tiered core and supporting.

• Bankers InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing property and casualty insurance products. Customers can make payments online at bankersinsurance.net or by calling 800-765-9700. Claims processed through bankersinsurance.com.
• CypresscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Payments accepted online at cypressig.com or by phone at 954-771-0300. Claims reporting through cypressig.com/ReportClaim.
• Epolicy PaysupportingTechnology or IntegrationThird-party payment processing platform integrated for customer payments. Agency-branded payment portal at gilinsurance.epaypolicy.com.
• Florida PeninsulacoreChannel Partner/ Reseller/ DistributorRegional insurance carrier specializing in Florida homeowners and property insurance. Payments and claims through floridapeninsula.com.
• Mercury InsurancecoreChannel Partner/ Reseller/ DistributorNational insurance carrier partner providing auto and homeowners insurance. Payments through mercuryinsurance.com. Claims at 800-503-3724.
• MetLifecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing auto, home, and other insurance products. Payments through online.metlife.com. Claims at 800-854-6011.
• Olympus InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims reporting through olympusinsurance.com. Customer service at 866-281-2242.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner providing auto insurance. Payments and claims through progressive.com. Agent referral program available.
• Travelers InsurancecoreChannel Partner/ Reseller/ DistributorNational commercial and personal lines insurance carrier. Payments through travelers.com. Claims at 800-252-4633.
• Universal PropertycoreChannel Partner/ Reseller/ DistributorProperty insurance carrier specializing in Florida market. Payments and claims at universalproperty.com.
• Zurich InsurancecoreChannel Partner/ Reseller/ DistributorGlobal insurance carrier partner providing commercial and personal lines. Payments at secure4.billerweb.com/zur. Claims at 800-987-3373.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown, Inc. Florida-headquartered national insurance broker and agency operator with retail and wholesale operations. Overlaps directly in personal and commercial lines brokerage in Florida but at vastly larger scale and broader geographic footprint.
• AssuredPartners: National insurance brokerage with a strong Florida presence providing personal and commercial coverage through multiple carriers. Directly comparable in distribution model and customer segments, but at much greater scale.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a substantial U.S. retail brokerage arm. Comparable multi-carrier independent agency economics, with significantly broader product, geographic and segment coverage.
• Higginbotham: Independent insurance and financial services firm offering personal, commercial and benefits products through multiple carrier partners. Comparable independent-agency model and multi-line approach, but at larger scale and with multi-state reach.
• HUB International: Large North American insurance brokerage offering personal, commercial and specialty lines across many states. Comparable as a multi-carrier independent broker model, though operates at significantly greater scale and geographic breadth.

Direct peers

• NSI Insurance Group: Miami-area independent insurance agency placing personal and commercial coverage through multiple carrier partners. Closely comparable in geography, customer segments (personal + small commercial) and independent-agency distribution model.
• Insurance Office of America (IOA): Large Florida-based independent insurance agency offering personal, commercial and benefits products across multiple carrier partners. Directly comparable business model as a multi-line independent agency in the same Florida market.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Gil and Associates Insurance Consultants