All Risk Insurance Group

What All Risk Insurance Group does

All Risk Insurance Group, Inc. is a privately held, woman-operated independent insurance agency founded in 2006 and headquartered at 101 Plaza Real S in Boca Raton, Florida. The agency distributes personal and commercial insurance products on behalf of over 25 carrier partners (more than 10 personal lines carriers and more than 15 commercial lines carriers), earning commissions on policies placed and renewed. Personal lines include homeowners, auto, flood, windstorm, condo (HO-6), boat, umbrella, renters, and pet insurance (through partner The Prudent Choice); commercial lines span BOP, general liability, workers compensation, commercial auto, commercial property, commercial flood, cyber, E&O, D&O, builders risk, and specialty CBD/medical marijuana coverage. The firm differentiates through multi-carrier comparison shopping, deep expertise in South Florida catastrophic perils (hurricane, flood, windstorm), and a consultative, sales-led go-to-market executed via phone, website contact form, and in-person visits.

The business operates on a commission-based revenue model with no proprietary technology platform; its primary digital tools are a content-marketing blog covering Florida-specific insurance topics, a Google Maps business listing, social media profiles, and a TrustedChoice.com referral profile. Pricing is fully quote-based, varying by coverage type, risk profile, location, and carrier underwriting, with multi-policy bundling discounts serving as the principal retention mechanism. The agency's geographic footprint covers Palm Beach, Broward, Lee, Martin, and Collier counties, with named service-area presences in Boca Raton (headquarters), Deerfield Beach, Delray Beach, and Stuart. Growth signals include continued carrier roster expansion, geographic extension into Martin County, and product diversification into specialty lines such as CBD/medical marijuana and SR-22/FR-44 certificates.

The company is BBB A+ rated, has no disclosed institutional investors, parent entities, or M&A activity, and operates with an estimated 11-50 employees (no specific headcount is publicly stated). The owner/agency principal is Lisa Pacillo, with named agent Candice supporting flood and commercial lines expertise. The agency has no app, no API, no disclosed AI/ML capabilities, and no patents or trademarks, positioning it as a traditional relationship-driven intermediary whose competitive position rests on carrier breadth, local reputation, and specialized Florida peril knowledge rather than on technology differentiation.

Name

All Risk Insurance Group

Legal name

All Risk Insurance Group, Inc.

Website

https://allriskinsurancegroup.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

All Risk Insurance Group is a woman-operated independent insurance agency founded in 2006 in Boca Raton, Florida, distributing personal and commercial insurance across South Florida on behalf of over 25 carrier partners.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Commercial Property Insurance (FSAJACAE), Homeowners Insurance (FSAJACAA), Public Liability (Premises/Operations) (FSAJADAD), Standalone Umbrella Liability (FSAJANAE)

Keywords

• Independent insurance agency
• Personal lines coverage
• Commercial lines coverage
• Property casualty insurance
• Insurance brokerage services

Headquarters

HQ city

Boca Raton

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, Others

Revenue model

1. Insurance Agency Commissions: All Risk Insurance Group operates as an independent insurance agency earning commissions from multiple insurance carrier relationships. They represent over 10 insurance companies for personal lines and over 15 for commercial lines. Revenue is generated through commissions paid by insurers on each policy sold and renewed. The agency also offers free consultations, with revenue derived from policy premiums placed with their carrier partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

All Risk Insurance Group is an independent insurance agency founded in 2006 in Boca Raton, Florida, that sells personal lines (home, auto, flood, windstorm, boat, condo, umbrella, pet) and commercial lines (BOP, general liability, workers comp, commercial property/auto/flood, cyber, E&O, D&O, CBD/medical marijuana business) coverage. As an independent agency representing over 10 personal and over 15 commercial insurance carriers, the firm acts as an intermediary, comparing carrier options and binding coverage on behalf of clients across South Florida.

Product overview

All Risk Insurance Group is a woman-operated, independent insurance agency founded in 2006, offering a comprehensive portfolio of personal and commercial insurance products. Their personal lines include home, auto, flood, windstorm, boat, condo (HO-6), renters, and pet insurance through The Prudent Choice. Their commercial offerings encompass general liability, workers compensation, commercial property, commercial vehicle, commercial flood, BOP (Business Owners Policy), professional liability, cyber insurance, directors & officers, builders risk, and specialty CBD/medical marijuana business insurance. They serve as an independent agency representing over 15 insurance carriers to provide competitive rates across Palm Beach, Broward, Lee, Martin, and Collier counties in Florida.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Comprehensive personal insurance coverage for individuals and families in South Florida including homeowners, auto, flood, windstorm, boat, condo (HO-6), renters, umbrella, and pet insurance placed with multiple carrier partners.
• Commercial Insurance Business insurance products covering general liability, workers compensation, commercial property, commercial auto, commercial flood, BOP, professional liability, cyber insurance, D&O, and builders risk for businesses throughout South Florida.
• Auto Insurance Vehicle insurance coverage including liability, collision, comprehensive, Personal Injury Protection (PIP), uninsured motorist, and medical payments coverage for drivers in South Florida.
• Flood Insurance Personal flood insurance coverage protecting against property loss from flooding, including National Flood Insurance Program policies and private market options for coastal South Florida properties.
• Windstorm Insurance Specialized windstorm and hurricane insurance providing additional protection beyond standard homeowners and commercial policies, covering hurricanes, hail, tropical storms, and tornado damage.
• HO-6 Condo Insurance Walls-in insurance coverage for South Florida condominiums protecting unit interiors, personal property, personal liability, and share of common property expenses.
• Workers Compensation Insurance Workers comp coverage helping employers cover medical costs, rehabilitation, and lost wages for employees injured on the job, required by Florida law.
• Business Owners Policy (BOP) Combined package policy for small-to-medium businesses including property insurance, general liability, and business interruption coverage at affordable rates.
• CBD / Medical Marijuana Business Insurance Specialized insurance coverage for CBD, hemp, and medical marijuana businesses in Florida including distribution, manufacturing, labs, retail, wholesale, and technology companies.
• Dwelling Insurance Homeowners insurance component covering repair or rebuilding of homes and unattached structures including exterior damage from fire, lightning, windstorms, vandalism, theft, and falling objects.
• Condo Insurance Condominium insurance covering losses and damages from fires, water, theft, and vandalism for Florida condo owners, with higher coverage limits up to 50%.
• Recreational Vehicle Insurance RV insurance coverage for motorhomes, travel trailers, and recreational vehicles with options for full-time, recreational, and trailer coverage including liability, medical payments, and uninsured motorist protection.
• SR-22/FR-44 Insurance High-risk driver insurance certificates including SR-22 and FR-44 forms required by Florida courts for DUI convictions and other driving violations.
• Boat/Marine Insurance Marine insurance coverage for boats, yachts, and personal watercraft including liability, damage, uninsured boater, and towing coverage for South Florida waterways.
• Commercial Vehicle Insurance Business vehicle insurance for trucks, vans, and cars used for commercial purposes with higher liability limits, coverage for employees, trailers, and equipment.
• Commercial Property Insurance Insurance coverage for businesses protecting against losses from vandalism, hurricanes, natural disasters, fire, theft, and other uncontrollable accidents.
• Commercial Flood Insurance

Quantifiable outcome

• Over a decade of committed client service and exceptional customer service delivery
• +2 more outcomes

Named customers7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

27 partnerships are on record, tiered minor.

• Patriot UnderwritersminorOthersInsurance carrier represented by All Risk Insurance Group, shown in the carrier logos section of the website footer.
• TravellersminorOthersInsurance carrier (Travelers Insurance) represented by All Risk Insurance Group.
• Lloyd's of LondonminorOthersGlobal insurance market / carrier represented by All Risk Insurance Group for specialty lines coverage.
• ChubbminorOthersMajor property and casualty insurance carrier represented by All Risk Insurance Group, shown in carrier logos.
• Progressive CorporationminorOthersInsurance carrier represented by All Risk Insurance Group for auto and related coverage.
• American Strategic Insurance (ASI)minorOthersInsurance carrier represented by All Risk Insurance Group for homeowners and related personal lines coverage in Florida.
• Foremost Insurance GroupminorOthersInsurance carrier (part of Farmers Insurance Group) represented by All Risk Insurance Group for specialty personal lines.
• Florida Peninsula Insurance CompanyminorOthersFlorida-focused homeowners insurance carrier represented by All Risk Insurance Group, serving the Florida market.
• Edison Insurance CompanyminorOthersInsurance carrier represented by All Risk Insurance Group for Florida property coverage.
• Safe Harbor Insurance CompanyminorOthersInsurance carrier represented by All Risk Insurance Group for Florida property coverage.
• QBE Insurance CompanyminorOthersGlobal insurance carrier represented by All Risk Insurance Group, shown in carrier logos.
• AmTrust FinancialminorOthersInsurance carrier represented by All Risk Insurance Group for commercial and specialty lines, including direct appointment for commercial vehicle coverage.
• Ascendant Insurance SolutionsminorOthersInsurance carrier/solutions provider with direct appointment with All Risk Insurance Group for commercial vehicle and related coverage.
• Infinity InsuranceminorOthersAuto insurance carrier represented by All Risk Insurance Group for non-standard auto coverage.
• Homeowners ChoiceminorOthersFlorida-focused homeowners insurance carrier (HCI) represented by All Risk Insurance Group.
• Mercury Auto InsuranceminorOthersAuto insurance carrier represented by All Risk Insurance Group for competitive auto rates, mentioned specifically on the auto insurance page.
• Gainsco InsuranceminorOthersAuto insurance carrier represented by All Risk Insurance Group for competitive auto rates.
• Sage Sure Insurance CompanyminorOthersInsurance carrier represented by All Risk Insurance Group for Florida property coverage.
• Heritage InsuranceminorOthersFlorida-focused property insurance carrier represented by All Risk Insurance Group.
• National General (Allstate)minorOthersInsurance carrier represented by All Risk Insurance Group, shown in carrier logos.
• GeoVeraminorOthersSpecialty flood and property insurance carrier represented by All Risk Insurance Group.
• MarkelminorOthersInsurance carrier (specialty and commercial lines) represented by All Risk Insurance Group, shown in carrier logos.
• Safeco Insurance (Liberty Mutual)minorOthersPersonal lines insurance carrier represented by All Risk Insurance Group, shown in carrier logos.
• U.S. CoastalminorOthersCoastal and hurricane-focused property insurance carrier represented by All Risk Insurance Group.
• HiscoxminorOthersInsurance carrier represented by All Risk Insurance Group for specialty commercial and professional liability coverage.
• TrustedChoice.comminorChannel Partner/ Reseller/ DistributorTrustedChoice.com is an independent insurance agent marketplace where All Risk Insurance Group maintains a profile with 5-star reviews, driving inbound referrals from consumers searching for local insurance agents. The agency links to its TrustedChoice profile in its website footer and reviews section.
• 10Buds.comminorChannel Partner/ Reseller/ Distributor10Buds.com featured All Risk Insurance Group as a 'top marijuana industry insurer' for CBD/hemp/medical marijuana business insurance coverage in Florida.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Hub International: Large global insurance brokerage with significant Florida presence offering personal, commercial, and specialty lines through multiple carriers. Comparable in independent-broker positioning and product breadth, though national/global in scale.
• AssuredPartners: PE-backed insurance brokerage that has aggressively acquired independent agencies across the U.S., including Florida. Comparable independent-agency business model and acquisition appetite, though operates at much larger consolidated scale.
• USI Insurance Services: Large insurance brokerage with Florida offices offering property, casualty, and specialty coverage to middle-market and commercial clients. Comparable multi-carrier distribution model, though substantially larger and PE-backed.
• Higginbotham: Multi-state insurance and financial services firm with growing Florida footprint providing personal, commercial, and employee benefits coverage. Comparable independent-agent model and Southeast U.S. geographic orientation.
• Insurance Office of America (IOA): Large Florida-headquartered independent insurance agency offering personal, commercial, and specialty lines across multiple states. Comparable as an independent agency serving Florida with a multi-carrier model, though materially larger in scale and footprint.
• Brown & Brown, Inc. Major publicly traded insurance broker with deep Florida operations across personal and commercial lines. Comparable product breadth and carrier-agnostic distribution, though vastly larger and national in scope.

Emerging players

• RPS (Risk Placement Services): Specialty insurance placement and wholesale broker providing hard-to-place coverage across personal and commercial lines. Comparable specialty/excess-and-surplus expertise relevant to All Risk's windstorm, flood, and non-standard auto offerings.

Direct peers

• Lykes Insurance: Florida-based independent insurance agency serving individuals and businesses across personal and commercial lines. Closely comparable as a regional independent agency with multi-carrier relationships serving the Florida market.
• BKS Partners: Independently owned Florida insurance agency headquartered in Boca Raton offering personal and commercial lines through multiple carriers. Closely comparable in geography, scale, customer mix, and independent broker model.

Others

• TrustedChoice.com: Independent insurance agent marketplace and referral platform where All Risk maintains a 5-star profile. Comparable as a digital distribution channel for independent agents rather than a direct competitor, but shapes customer acquisition dynamics.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/all__risks
• Facebookfacebook.com/AllRiskInsuranceGroupInc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 All Risk Insurance Group