Dunham Insurance

What Dunham Insurance does

Dunham Insurance Services is a privately held independent insurance agency headquartered at 605 Belvedere Rd Ste 5 in West Palm Beach, Florida. Founded in 1997, the agency operates as a traditional broker representing multiple insurance carriers — including Progressive, Travelers, Nationwide, American Strategic Insurance (ASI), TypTap, and University Property — which enables it to shop coverage and pricing across providers for clients. It is a member of Renaissance Alliance, an insurance agency network that provides carrier access and operational support to independent agencies.

The agency offers a broad portfolio spanning Residential (Homeowners, Flood, Wind, Rental/Dwelling Fire, Renters), Personal Lines (Umbrella, Wedding), Business/Commercial (General Liability, Commercial Property, Workers Compensation, Professional Liability, Business Owners Policy, Contractors, EPLI, Excess Liability, Liquor Liability, Special Event, Habitational, Condominium Association, Builders Risk), and Auto/Marine (Personal Auto, Commercial Auto, Boat/Yacht, Motorcycle/ATV, Personal Watercraft), plus niche products such as Esthetician Liability, Retail Business Insurance, Food Vendor Insurance, Home Daycare Insurance, and Gap Insurance. Customers are primarily Florida-based individual consumers, homeowners, landlords, and small-to-medium businesses, with stated national reach facilitated through carrier partnerships.

Revenue is generated through commissions paid by carrier partners on policies sold, with a sales-led go-to-market approach combining phone consultations (954-564-7772), website quote request forms, and in-person meetings at the West Palm Beach office. The agency has no proprietary technology platform; its operations rely on standard insurance distribution tools, an active content marketing blog (with recent posts in 2024 covering niche verticals), and a social media presence across Facebook, LinkedIn, Instagram, and YouTube to drive top-of-funnel awareness.

Name

Dunham Insurance

Legal name

Dunham Insurance Services

Website

https://dunhamins.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Dunham Insurance Services is a privately held independent insurance agency based in West Palm Beach, Florida, founded in 1997. It brokers residential, commercial, auto/marine, and personal insurance policies through multiple carrier partnerships for Florida consumers and small businesses.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Yacht & Pleasure Craft Insurance (FSAJAHAI)

akta.pro secondary industries

Personal Excess Liability (High-Net-Worth) (FSAJANAF), Motor Truck Cargo & Inland Marine (Goods-in-Transit) (TLABANAD)

Keywords

• Independent insurance agency
• Commercial insurance coverage
• Personal lines insurance
• Auto and marine insurance
• Property and casualty insurance

Headquarters

HQ city

Fort Lauderdale

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, Infrastructure

Revenue model

1. Insurance Commission Revenue: Dunham Insurance operates as an independent insurance agency that earns revenue through commissions paid by insurance carrier partners (such as Progressive, Travelers, Nationwide, ASI, TypTap, and University Property) on policies sold to customers. Commissions are typically a percentage of the policy premium and represent the primary revenue stream for the agency.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Dunham Insurance Services is an independent insurance agency that matches clients with personal, commercial, and auto/marine insurance policies from a network of carriers including Progressive, Travelers, Nationwide, ASI, TypTap, and University Property. The agency distributes residential coverages (homeowners, flood, wind, renters, dwelling fire), commercial coverages (general liability, BOP, workers compensation, contractors, professional liability, commercial property), and auto/marine coverages (personal auto, commercial auto, boat/yacht, motorcycle/ATV, personal watercraft) to individuals and small-to-medium businesses across Florida and other U.S. states.

Product overview

Dunham Insurance Services is an independent insurance agency offering a comprehensive portfolio of insurance products throughout Florida and the rest of the United States. The company operates as a single integrated agency platform providing multiple insurance product categories including Residential (Homeowners, Flood, Wind, Rental/Dwelling Fire, Renters), Personal (Umbrella, Wedding), Business/Commercial (Builders Risk, Commercial Property, Contractors, Employment Practices Liability, Excess Liability, General Liability, Habitational, Liquor Liability, Professional Liability, Special Event, Workers Compensation, Condominium Association, Business Owners Policy), and Auto/Marine (Personal Auto, Commercial Auto, Boat/Yacht, Motorcycle/ATV, Personal Watercraft). The agency acts as an independent broker, connecting clients with insurance carriers including Progressive, Travelers, Nationwide, ASI, Typtap, and University Property to deliver tailored coverage at competitive prices.

Differentiator

Problem solved

Functional benefit

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• ProgressivecoreOthersProgressive Insurance is a major insurance carrier partner that provides auto, home, and other insurance products. Dunham Insurance offers Progressive products as part of their independent agency portfolio.
• TravelerscoreOthersTravelers is a leading insurance carrier providing commercial and personal insurance products. Dunham Insurance offers Travelers products through their independent agency.
• NationwidecoreOthersNationwide is an insurance carrier offering a broad range of insurance and financial products. Dunham Insurance includes Nationwide in their carrier network.
• American Strategic Insurance (ASI)coreOthersAmerican Strategic Insurance specializes in personal lines insurance products. Dunham Insurance offers ASI products as part of their carrier partnerships.
• TypTapcoreOthersTypTap is an insurance technology company offering innovative insurance products. Dunham Insurance includes TypTap in their portfolio of carrier partners.
• University PropertyminorOthersUniversity Property is an insurance carrier, likely specializing in habitational or landlord insurance products. Included in Dunham Insurance's carrier network.
• Renaissance AllianceminorOthersRenaissance Alliance is an insurance agency membership organization providing support, resources, and carrier access to independent insurance agencies. Dunham Insurance is a proud member of Renaissance Alliance.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Brown & Brown: One of the largest U.S. insurance brokerages, headquartered in Daytona Beach, FL. Comparable as a Florida-rooted multi-line brokerage serving personal and commercial clients, but at vastly greater scale and broader geographic footprint.
• Burns & Wilcox: National specialty insurance wholesaler/brokerage with strong Florida presence. Comparable as a multi-carrier distribution intermediary, but focused on specialty/excess lines rather than mass-market personal and small commercial.
• Hub International: Large North American insurance brokerage with personal and commercial lines including Florida operations. Comparable business model as a multi-carrier intermediary, but operates nationally and at far greater scale.

Direct peers

• Jack L. Marcus Insurance Agency: Independent Florida insurance agency offering personal, commercial, and marine coverage. Comparable as a long-standing FL independent agency with similar carrier-partner distribution model.
• Foundation Insurance of Florida: Independent Florida insurance agency offering personal and commercial coverage through carrier partnerships. Directly comparable in model (independent, multi-carrier, FL-focused) and SMB/consumer target market.
• Insurance Office of America: Florida-based independent insurance agency offering personal, commercial, and specialty coverage through carrier partnerships. Comparable multi-line independent agency with FL concentration and similar product breadth.
• Brightway Insurance: Florida-headquartered independent insurance agency franchise network offering multi-line personal and commercial coverage through carrier partnerships. Directly comparable as a Florida-focused independent agency model serving consumers and small businesses.
• AssurePartners: Florida-based private insurance brokerage acquired by Brown & Brown. Comparable multi-line independent agency model serving personal, commercial, and specialty lines through carrier partnerships.

Emerging players

• NS Insurance Group: Independent insurance agency offering personal, commercial, and specialty coverage. Comparable as a smaller multi-carrier independent agency with similar product breadth.
• AHI Group (American Heritage Insurance): Florida-focused independent insurance agency group. Comparable in independent-agency model serving personal and commercial Florida clients.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC4yuCnb9ReZDRkEvbRo2H8Q
• Facebookfacebook.com/DunhamInsurance
• LinkedInlinkedin.com/company/dunham-insurance
• Instagraminstagram.com/dunhaminsurance.fl

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 Dunham Insurance