The Cambridge Insurance Agency

What The Cambridge Insurance Agency does

The Cambridge Insurance Agency is an independent personal lines insurance brokerage headquartered in Tampa, Florida, founded in 2008 by Clayton Heitler and Howard Flamm. The agency distributes six core insurance products — homeowners, condos, rental properties, flood, auto, and life insurance — to Florida residents by shopping policies across multiple carriers on behalf of the customer to identify competitive pricing and coverage. Its only physical location is at 1000 N Ashley Dr. #1020 in Tampa, and its entire operating geography is the state of Florida.

The firm operates on a commission-based revenue model, earning affiliate/referral commissions from insurance carriers for policies placed. The technology stack is non-proprietary: a standard website (thecambridgeagency.com) with service information, contact details, and a quote request form, supplemented by direct phone and email intake during standard business hours (Monday–Friday, 8:30 AM to 5:00 PM). There is no API, no mobile app, no disclosed integrations, and no AI or machine-learning capabilities. Coverage cannot be bound or changed via the online system — all policy actions require agent-mediated contact.

The agency is privately held and founder-owned, with Heitler separately operating American Mortgage Services (formerly Affordable Home Mortgage), creating a referral channel between mortgage and insurance customers. The team consists of approximately 8 individuals including owner Clayton Heitler, partner Howard Flamm, Operations Manager Shannon Robinson, and 6 licensed agents/financial representatives. The customer base consists entirely of individual Florida consumers; there are no named enterprise accounts, no disclosed partnerships with carriers or other institutions, no funding rounds, no M&A activity, and no geographic expansion beyond Florida.

Name

The Cambridge Insurance Agency

Legal name

The Cambridge Insurance Agency

Website

https://thecambridgeagency.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

The Cambridge Insurance Agency is an independent personal lines insurance brokerage in Tampa, Florida, founded in 2008. It offers homeowners, condo, rental property, flood, auto, and life insurance to Florida consumers by shopping policies across multiple carriers for best pricing.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

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

Keywords

• Personal lines insurance
• Independent insurance brokerage
• Homeowners insurance
• Auto insurance
• Flood insurance

Headquarters

HQ city

Tampa

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance brokerage, The Cambridge Insurance Agency earns commissions from multiple insurance carriers for policies placed. The company is described as offering personal lines insurance at the best value for cost, shopping policies with multiple carriers on behalf of customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

The Cambridge Insurance Agency is an independent personal lines insurance brokerage that shops policies with multiple insurance carriers to provide homeowners, condo, rental property, flood, auto, and life insurance to Florida residents. The agency earns commissions from carriers for policies placed on behalf of individual consumers, offering free estimates and direct customer service via phone, email, and online quote requests.

Product overview

The Cambridge Insurance Agency is an independent personal lines insurance brokerage operating in Florida since 2008. The agency offers six core insurance products: Homeowners, Condos, Rental Properties, Flood, Auto, and Life insurance. By maintaining access to multiple insurance carriers, the agency provides customers with competitive pricing and policy options tailored to individual needs. The portfolio functions as a unified brokerage service through which agents help clients navigate the Florida insurance market, compare coverage options, and identify applicable discounts across all product lines.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights2 records

Direct peers

• Brightway Insurance: Brightway is a Florida-headquartered, franchise-model independent insurance agency that offers homeowners, auto, flood, condo, and life coverage through multiple carriers. It is the closest direct peer in terms of Florida focus, independent multi-carrier model, and personal-lines product mix.
• Insurance Office of America: Insurance Office of America is a Longwood, Florida-based independent insurance brokerage offering personal and commercial lines through multiple carriers. Comparable to Cambridge as a Florida-based independent brokerage, though larger and broader in scope including commercial and benefits.

Others

• Allstate: Allstate is a national personal-lines insurer with a large captive agent network selling auto, homeowners, and life insurance directly to consumers. Comparable to Cambridge as a competing distribution channel for Florida personal-lines customers, but operates as a carrier-direct model rather than an independent multi-carrier broker.

Broad incumbents

• State Farm: State Farm is the largest US personal-lines insurer, distributing auto, homeowners, life, and more through captive agents. It competes with Cambridge for the same Florida households but is exclusive to a single carrier and at far greater scale.
• GEICO: GEICO is a major direct-to-consumer auto insurer and a Berkshire Hathaway subsidiary. It competes directly with Cambridge's auto insurance offering on price and convenience but does not bundle homeowners, condo, or flood coverage in the same way an independent broker can.
• Brown & Brown Insurance: Brown & Brown is a Fortune-500 Florida-based insurance brokerage and one of the largest independent brokerages in the US. It is comparable to Cambridge as an independent brokerage serving Florida and beyond, but operates at vastly greater scale across personal, commercial, and benefits lines.
• HUB International: HUB International is a large global insurance brokerage with a strong Florida presence and independent multi-carrier distribution. Comparable to Cambridge in business model and Florida footprint, but operates at enterprise scale across commercial and personal lines.

Regional players

• Frank Winston Crum Insurance: FrankWinstonCrum is a Florida-based insurance agency founded in 1979 offering personal and commercial coverage. It is comparable to Cambridge in its long-standing Florida presence and multi-line independent agency model, though it has expanded into commercial and employee benefits.

Emerging players

• Lemonade: Lemonade is a digitally-native insurance carrier offering renters, homeowners, pet, and life insurance through a mobile app. It is an emerging direct-to-consumer competitor that bypasses traditional brokers like Cambridge by offering instant online binding.
• Hippo Insurance: Hippo is an insurtech focused on modernizing homeowners insurance with a digital-first, data-driven underwriting model. It competes with Cambridge for Florida homeowners, especially tech-savvy consumers, but does not yet match Cambridge's local presence and flood/NFIP expertise.

Market position

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/CambridgeInsur

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 The Cambridge Insurance Agency