Continental Property & Casualty

What Continental Property & Casualty does

Continental Property & Casualty Inc. is a privately held, Florida-based independent insurance agency founded circa 2010 and headquartered at 12955 SW 42nd Street, Suite 11, Miami, with a second office in Coral Gables (5200 SW 8th Street, Suite 250). The firm positions itself as a boutique, service-oriented agency built by principals with 35+ years of combined industry experience, and serves individuals and small-to-mid-sized businesses in Miami and across Florida. Its core offering is multi-carrier insurance placement — the agency is appointed with 18+ insurance carriers (including Progressive, MAPFRE, Mercury, Hagerty, Heritage, Universal Property & Casualty, Florida Peninsula, Wright Flood, Sawgrass Mutual, and Selective) across personal lines (homeowners, auto, life, flood, motorcycle, boat/watercraft, RV, renters) and commercial lines (Business Owners Package, General Liability, Commercial Auto, Workers Compensation, Commercial Building Property, Cyber Liability, EPLI, D&O, E&O, Medical Professional Liability, Liquor Liability, Ocean Marine, Boiler & Machinery, Wind).

The agency's underlying technology is standard for the segment: a WordPress-based website (continentalpac.com) with product pages per line and online quote-request forms, supplemented by a phone-led sales motion via dedicated agent teams. There is no disclosed proprietary technology, AI/ML capability, API, or mobile app. Revenue mechanics are commission-based: the agency earns carrier commissions on policies placed, with quotes generated on request via phone or web form and monthly billing/payment cycles on the customer side. Go-to-market is sales-led and relationship-driven, with a hybrid segmentation across personal and commercial customers and a documented focus on Florida-specific risks (NFIP flood, coastal/high-risk property, hurricane wind). Distribution is direct (agency sales plus self-serve online quote) and through carrier network partnerships. The agency has no disclosed parent company, no subsidiaries, no funding rounds, no M&A activity, no public recognition awards, and no regulatory actions.

Name

Continental Property & Casualty

Legal name

Continental Property & Casualty Inc.

Website

https://continentalpac.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Continental Property & Casualty is an independent insurance agency in Miami and Coral Gables, Florida, placing personal and commercial policies through 18+ carrier partners for individuals and small-to-mid-sized businesses across the state.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Commercial Property Insurance (FSAJACAE)

akta.pro secondary industries

Property Insurance (Homeowners, Renters & Commercial Property) (FSAJAMAD), Protection & Indemnity (P&I) / Marine Liability Insurance (FSAJAHAH), Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)

Keywords

• Independent insurance agency
• Personal property insurance
• Commercial business insurance
• Flood insurance coverage
• Florida insurance broker

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, Continental Property & Casualty earns commissions from multiple insurance carriers (Imperial Fire and Casualty, Florida Peninsula, Wright Flood, Windhaven, American Collectors Insurance, Bankers Insurance Group, Progressive, Federated National, Hagerty, Heritage Insurance, Infinity Auto Insurance, UAIC, Clutch Insurance, MAPFRE, Mercury Insurance, Sawgrass Mutual, Selective, Universal Property and Casualty) for placing personal and commercial insurance policies with clients in Florida.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Continental Property & Casualty is an independent insurance agency that places personal and commercial insurance policies on behalf of clients in Florida through 18 carrier partners (e.g., Progressive, MAPFRE, Mercury, Hagerty, Heritage, Federated National). It offers personal lines (Homeowners, Auto, Life, Flood, Motorcycle, Boat & Watercraft, Recreational Vehicle, Renters) and commercial lines (BOP, General Liability, Commercial Auto, Workers Compensation, Commercial Building Property, EPLI, Cyber Liability, D&O, E&O, Business Umbrella, Medical Professional Liability, Liquor Liability, Boiler Machinery, Ocean Marine, Wind Insurance), earning commissions on every policy placed.

Product overview

Continental Property & Casualty is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through multiple carrier partnerships. Personal insurance products include Homeowners Insurance (with HO1-HO8 policy forms), Auto Insurance, Life Insurance (whole life/permanent and term), Flood Insurance, Motorcycle Insurance, Boat & Watercraft Insurance, Renters Insurance, and Recreational Vehicle Insurance. Commercial insurance offerings include Business Owners Packages (BOP), General Liability, Commercial Auto, Workers Compensation, Commercial Building Property, Business Umbrella Policies, EPLI, Cyber Liability, Medical Professional Liability, Directors & Officers, Errors & Omissions, Liquor Liability, Boiler Machinery, Ocean Marine, and Wind coverage. The company serves as a one-stop shop for insurance needs, connecting clients with multiple carrier partners including Progressive, Federated National, Hagerty, Mercury, MAPFRE, and others. The agency provides online quote request capabilities and operates primarily in Florida.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Personal property and liability coverage for homeowners, condo owners, and renters, with multiple policy forms (HO1, HO2, HO3, HO4, HO5, HO6, HO8). Distributed through Progressive, Heritage, Universal P&C, Sawgrass Mutual, Federated National, and other carrier partners to Florida residents.
• Auto Insurance Coverage for personal autos, motorcycles, recreational vehicles, and boats/watercraft, including collision, comprehensive, medical payments, PIP, uninsured/underinsured motorist, and liability. Placed through Progressive, Mercury, Infinity, UAIC, MAPFRE, Windhaven, Clutch, and Hagerty for collector vehicles.
• Life Insurance Whole life, permanent life, and term life coverage offering death benefits and cash value accumulation for individuals, families, and businesses.
• Flood Insurance NFIP-backed flood damage coverage for homes and properties in flood-prone South Florida coastal areas, placed through Wright Flood as the agency's flood carrier partner.
• Business Owners Package (BOP) Bundled commercial insurance combining property, liability, and casualty coverage for Florida small and mid-sized business owners across contractors, retail, hospitality, and professional services.
• General Liability Insurance Commercial liability coverage protecting Florida businesses against third-party accidents or injuries occurring on business premises. Quotes available via dedicated online liability quote form.
• Commercial Auto Insurance Vehicle coverage for Florida business-owned automobiles and commercial fleets, including trucking operators.
• Workers Compensation Statutory coverage for employee injuries and illnesses sustained in the course of employment for Florida businesses.
• Commercial Building Property Insurance Coverage for Florida commercial buildings and structures against physical damage and loss, including hurricane/wind exposure.
• Cyber Liability Insurance Coverage for Florida businesses against data breaches, cyberattacks, and related liability exposures.
• Business Umbrella Policies Additional excess liability coverage extending beyond standard commercial policy limits for Florida businesses.
• Professional and Specialty Liability Coverage Bundle of specialty coverages including Errors & Omissions / Professional Liability, Directors & Officers, EPLI (Employment Practices Liability), Medical Professional Liability, and Liquor Liability for Florida healthcare providers, professional offices, hospitality operators, and executives.
• Boiler and Machinery Insurance Coverage for mechanical breakdowns of boilers and pressure vessels for Florida commercial operations.
• Ocean Marine Insurance Coverage for marine cargo, vessels, and maritime business operations serving Florida coastal commercial clients.
• Wind Insurance Coverage for wind-related damage to Florida commercial properties in hurricane-prone regions.

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

18 partnerships are on record, tiered minor and core.

• Imperial Fire and CasualtyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner offering fire and casualty products through Continental's independent agency network in Florida.
• Florida PeninsulaminorChannel Partner/ Reseller/ DistributorRegional insurance carrier partner providing homeowners and related insurance products in Florida.
• Wright FloodminorChannel Partner/ Reseller/ DistributorFlood insurance carrier specializing in NFIP flood coverage for South Florida properties.
• WindhavenminorChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and related insurance products.
• American Collectors Insurance (ACI)minorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for collector vehicles and related coverage.
• Bankers Insurance GroupminorChannel Partner/ Reseller/ DistributorInsurance carrier group providing various property and casualty products.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national auto insurance carrier offering standard, preferred, and high-risk auto coverage.
• Federated NationalminorChannel Partner/ Reseller/ DistributorFlorida-based insurance carrier providing property and casualty products.
• HagertyminorChannel Partner/ Reseller/ DistributorSpecialty insurance carrier for classic cars, boats, and recreational vehicles.
• Heritage InsuranceminorChannel Partner/ Reseller/ DistributorRegional insurance carrier providing property coverage in Florida.
• Infinity Auto InsuranceminorChannel Partner/ Reseller/ DistributorNon-standard and high-risk auto insurance carrier.
• UAIC (United Automobile Insurance Company)minorChannel Partner/ Reseller/ DistributorAuto insurance carrier providing coverage for various risk profiles.
• Clutch InsuranceminorChannel Partner/ Reseller/ DistributorDigital-focused auto insurance carrier partner.
• MAPFREcoreChannel Partner/ Reseller/ DistributorMajor international insurance carrier providing auto, home, and commercial products.
• Mercury InsurancecoreChannel Partner/ Reseller/ DistributorMajor auto and property insurance carrier known for competitive pricing.
• Sawgrass MutualminorChannel Partner/ Reseller/ DistributorFlorida-based mutual insurance company providing property coverage.
• Selective InsuranceminorChannel Partner/ Reseller/ DistributorCommercial and personal lines insurance carrier.
• Universal Property and Casualty (UPC)coreChannel Partner/ Reseller/ DistributorFlorida-focused property insurance carrier, particularly for coastal and high-risk properties.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown Insurance: Large national insurance brokerage and agency with a strong Florida presence offering the same independent agency model across personal and commercial P&C lines — represents scale competition.
• Hylant: Large independent insurance brokerage with multi-carrier placement and personal/commercial P&C offerings — comparable independent agency economics at greater scale.
• Higginbotham: Large independent insurance brokerage firm offering personal and commercial P&C products through multi-carrier partnerships — comparable in independent agency economics but at greater scale.
• AssuredPartners: National insurance brokerage aggregating independent agencies with multi-carrier P&C placement — relevant comparable for the independent agency model at scale.

Direct peers

• Acentria Insurance: Florida-headquartered independent insurance agency offering personal, commercial, and specialty coverage through carrier partnerships — similar scale and Southeast market focus.
• NSI Insurance Group: Independent insurance agency operating in Florida with multi-carrier placement for personal and commercial lines — direct competitor in the regional agency channel.
• Insurance Office of America (IOA): Independent insurance agency headquartered in Florida offering personal and commercial P&C products through multiple carrier partnerships — directly comparable in business model and Florida market focus, though larger in scale.
• AssureSouth Insurance Agencies: Regional independent insurance agency operating across the Southeast with multi-carrier placement for personal and commercial risks — comparable boutique distribution approach.
• Heacock Insurance Group: Florida-based independent insurance agency providing personal, commercial, and specialty lines through multiple carriers — closely mirrors Continental's multi-carrier boutique distribution model.

Regional players

• The Buckner Company: Independent insurance agency offering personal and commercial coverage through multiple carriers — comparable business model though operating in different geographies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Continentalpac
• Facebookfacebook.com/ContinentalPropertyCasualty

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 Continental Property & Casualty