Fuller Insurance

What Fuller Insurance does

Fuller Insurance LLC is an independent insurance agency headquartered at 4821 US Highway 98 W, Suite #103, Santa Rosa Beach, Florida, founded in 2007. The agency represents multiple insurance carriers rather than acting as a captive agent, distributing personal lines (home, auto, condo, watercraft, flood, motorcycle, umbrella, classic car, RV, short-term rental), life and health insurance (individual/child life, Florida Blue health plans, Medicare Advantage/Supplement, Part D, ACA, dental/vision/hearing), and commercial lines (business auto, BOP, general liability, workers' compensation, commercial property, cyber liability, commercial hurricane, commercial umbrella) along with industry-specific programs for contractors, churches, landlords, property managers, restaurants, and landscapers. The agency holds producer licenses in Florida, Alabama, and Georgia, with primary service area in Walton, Okaloosa, and Bay Counties in Northwest Florida, and maintains a particular specialization in coastal Florida risks (hurricane, wind, flood, coastal construction).

Name

Fuller Insurance

Legal name

Fuller Insurance LLC

Website

https://fuller.insure

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Fuller Insurance is an independent insurance agency in Santa Rosa Beach, Florida, distributing personal, commercial, life, and health insurance products through multiple carrier partnerships to individuals, families, and small businesses in coastal Northwest Florida.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro industry

PRIMARYFSAJAAAF

Full-Coverage Personal Auto Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Personal Auto Insurance

SECONDARYFSAIAFAD

Small Group Health Insurance (2–50/100)

Financial & Insurance/Insurance — Life & Health/Group Health Insurance (Employer-Sponsored)

SECONDARYFSAIAKAD

Group/Employer-Sponsored Critical Illness & Hospital Indemnity

Financial & Insurance/Insurance — Life & Health/Critical Illness & Hospital Indemnity Insurance

SECONDARYFSAIAEAD

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident)

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

Keywords

• Independent insurance agency
• Personal insurance broker
• Commercial insurance broker
• Coastal Florida insurance
• Medicare health insurance

Headquarters

HQ city

Santa Rosa Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance commissions: Fuller Insurance operates as an independent insurance agency earning commissions from insurance carriers for policies placed. They represent multiple insurance companies including Auto-Owners, Safeco, Florida Blue, and numerous other admitted and specialty carriers. The agency provides insurance advisory services and shops coverage across carriers to find optimal solutions for customers.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Fuller Insurance LLC is an independent insurance agency that shops and places coverage across multiple carrier partners on behalf of customers. The agency offers personal insurance (home, auto, condo, watercraft, flood, umbrella, life, and health/Medicare), commercial insurance (business auto, BOP, general liability, workers' compensation, commercial property, cyber liability), and industry-specific coverage for contractors, churches, landlords, property managers, restaurants, and landscaping businesses. The agency is licensed in Florida, Alabama, and Georgia, and earns commissions from carriers such as Auto-Owners, Safeco, Florida Blue, Frontline, Olympus, Centauri, and American Integrity.

Product overview

Fuller Insurance is an independent insurance agency offering a comprehensive portfolio of personal, business, and life and health insurance products through multiple carrier partnerships. The agency operates as a localized insurance intermediary rather than a technology product platform. Personal insurance offerings include home (HO3), auto, condo (HO6), watercraft, and specialty coverages like short-term rental (DP3), flood, motorcycle, umbrella, classic car, and RV insurance. Business insurance encompasses business auto, business owners policies (BOP), general liability, workers' compensation, commercial property, cyber liability, commercial umbrella, and industry-specific coverages for contractors, churches, landlords, property managers, restaurants, and landscaping services. Life and health insurance includes individual and child life insurance (term, whole, universal), individual health plans through Florida Blue (with BlueOptions, BlueSelect, BlueCare, and myBlue networks), Medicare Advantage and Supplement plans, dental/vision/hearing supplemental coverage, Part D prescription plans, ACA marketplace plans, short-term medical, final expense, and hospital indemnity policies. The agency is licensed in Florida, Alabama, and Georgia and represents multiple insurance carriers including Florida Blue, Auto-Owners, Safeco, Frontline, Olympus, Centauri, and others. The company's service model centers on personalized advice through licensed agents (Garrett Fuller, Chris Jayne, Trista Cordell) rather than digital-first or API-enabled product delivery.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance HO3 homeowners coverage for coastal Florida homes covering dwelling, other structures, personal property, loss of use, personal liability, and medical payments; serves coastal Florida homeowners in Walton, Okaloosa, and Bay Counties.
• Auto Insurance Personal auto coverage including bodily injury liability, property damage liability, medical payments, uninsured/underinsured motorist, collision, and comprehensive physical damage; serves individuals and families in the Florida Panhandle.
• Condo Insurance (HO6) HO6 policy for condo unit owners covering interior build-out, personal property, loss of use, personal liability, medical payments, and loss assessment; serves condo owners in coastal Florida developments.
• Watercraft Insurance Coverage for boats and watercraft including physical damage, liability, towing and assistance, plus optional personal property and pollution liability; serves boat owners in coastal Florida.
• Flood Insurance Separate flood policies through Neptune, NFIP, and private carriers for coastal homes not covered under standard homeowners policies; serves Florida Panhandle homeowners facing flood exposure.
• Short-Term Rental Insurance DP3 dwelling-fire policy for short-term rental properties covering the rental dwelling and loss of rents; serves owners of vacation rental homes on the Florida Panhandle coast.
• Personal Umbrella Insurance Personal umbrella or excess liability policy that increases liability limits above underlying boat or auto policies; serves individuals with higher-than-average liability exposure.
• Individual Life Insurance Term, whole, and universal life insurance policies that secure the financial future of loved ones; serves individuals and families across Florida, Alabama, and Georgia.
• Individual Health Insurance Florida Blue individual health plans across BlueOptions, BlueSelect, BlueCare, and myBlue networks; serves Walton County and 30A area residents seeking individual/family health coverage.
• Medicare Advantage Plans Medicare Part C plans that replace Original Medicare with private plans including extras such as dental, vision, and prescription coverage; serves adults age 65+ in Walton, Okaloosa, and Bay Counties.
• Medicare Supplement Plans Medicare Supplement (Medigap) plans paired with Original Medicare plus standalone Part D drug plans; serves adults age 65+ seeking to fill Original Medicare coverage gaps.
• Business Auto Insurance Coverage for vehicles owned by businesses including bodily injury, collisions, named perils, and property damage with higher liability limits; serves small to medium businesses in Northwest Florida.
• Business Owners Insurance (BOP) Combined business property and business liability policy protecting business assets, income, and operations; serves small to medium businesses seeking a bundled commercial package.
• General Liability Insurance Coverage for bodily injury to people outside the business and physical damage to their property; serves small to medium businesses across industries including contractors, landlords, and restaurants.
• Workers' Compensation Insurance Coverage for employees injured at work, required by Florida law for construction businesses with even one employee; serves contractors and other Florida employers.
• Commercial Property Insurance Coverage for business-owned or leased property including equipment, inventory, furniture, and fixtures; serves small to medium businesses in Northwest Florida.
• Cyber Liability Insurance Coverage for unauthorized access to electronic data, viruses, computer theft, extortion, and employee errors; serves small to medium businesses handling customer or financial data.
• Commercial Umbrella Insurance High-limit excess liability coverage typically between $2,000,000 and $10,000,000 over general liability, workers' compensation, and auto policies; serves businesses with elevated liability exposure.
• Contractor Insurance Coverage for contractors including general liability, workers' compensation, builder's risk, commercial auto, and inland marine for tools and equipment; serves artisan contractors, trade contractors, builders, and developers working on the Emerald Coast and 30A corridor.
• Landlord and Rental Property Insurance Coverage for rental properties including rental dwelling, lost rental income, landlord liability, eviction costs, and natural disaster protection; serves landlords renting single-family homes, duplexes, condos, and apartments in the coastal Florida market.
• Church Insurance Coverage for houses of worship including stained glass, abuse and molestation liability, directors and officers, and religious freedom protection; serves churches and religious organizations in the Florida Panhandle.
• Property Manager Insurance Coverage for property management firms including errors and omissions, general liability, crime, cyber liability, and tenant discrimination; serves property managers handling residential communities, HOAs, and commercial properties in the 30A and Emerald Coast area.
• Restaurant Insurance Industry-specific coverage for restaurants including general liability, property, workers' compensation, and liquor liability; serves restaurants and food-service businesses on the Emerald Coast.

Quantifiable outcome

• Customer saved $600 per year on insurance by working with Fuller Insurance

Named customers3 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

20 partnerships are on record, tiered core and minor.

• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorAuto-Owners Insurance is one of the primary insurance carriers represented by Fuller Insurance. The company offers personal and business insurance products through the independent agency channel.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorSafeco Insurance is highlighted as a key carrier partner in Fuller Insurance's branding and marketing materials, representing their ability to offer multiple options to customers.
• Florida BluecoreChannel Partner/ Reseller/ DistributorFlorida Blue is a major health insurance partner. Fuller Insurance offers individual and group health insurance plans from Florida Blue, including ACA marketplace plans, off-exchange plans, short-term coverage, dental, and supplemental coverage.
• American IntegritycoreChannel Partner/ Reseller/ DistributorAmerican Integrity is one of the coastal-admitted Florida carriers that Fuller Insurance uses for homeowners coverage in the 30A and Walton County market.
• Centauri InsurancecoreChannel Partner/ Reseller/ DistributorCentauri Insurance is a coastal-admitted Florida carrier represented by Fuller Insurance for homeowners coverage in the 30A area.
• Frontline InsurancecoreChannel Partner/ Reseller/ DistributorFrontline Insurance is an admitted market carrier used by Fuller Insurance for coastal Florida homeowners and condo coverage.
• Olympus InsurancecoreChannel Partner/ Reseller/ DistributorOlympus Insurance is one of the coastal-admitted Florida carriers represented by Fuller Insurance for homeowners coverage.
• Citizens Property InsuranceminorChannel Partner/ Reseller/ DistributorCitizens Property Insurance is Florida's insurer of last resort. Fuller Insurance uses Citizens when the private market cannot write a coastal home and it genuinely fits the customer's situation.
• US AssurecoreChannel Partner/ Reseller/ DistributorUS Assure provides builders risk insurance through an admitted, A-rated Zurich plan with Florida windstorm coverage within 1,000 feet of tidal water, for projects up to $5 million.
• Victor InsurancecoreChannel Partner/ Reseller/ DistributorVictor Insurance provides builders risk coverage on A++-rated Berkshire Hathaway Specialty paper with capacity up to $8 million on frame construction and $15 million on non-combustible construction.
• Alchemy (Insurance)coreChannel Partner/ Reseller/ DistributorAlchemy provides Florida builders risk projects that can be structured with wind coverage, excluded wind, or named-storm exclusion depending on project economics.
• Utica First InsurancecoreChannel Partner/ Reseller/ DistributorUtica First Insurance allows small artisan and trade contractors (up to 10 employees) to be rated on headcount instead of payroll, with no annual audit. They also quote new and seasonal trade accounts.
• Frank Winston CrumcoreChannel Partner/ Reseller/ DistributorFrank Winston Crum provides contractor general liability insurance across 77 class codes with no limitation on new residential construction, offering additional-insured forms at little or no charge.
• Berkshire Hathaway HomestatecoreChannel Partner/ Reseller/ DistributorBerkshire Hathaway Homestate treats contractor commercial auto as a top class, with many risks binding instantly rather than coming back as an indication.
• FCBI (Florida Construction Brokerage, Inc.)coreChannel Partner/ Reseller/ DistributorFCBI is a Florida group self-insurance fund organized specifically for construction employers and artisan contractors for workers compensation coverage.
• Florida Association of Insurance AgentsminorOthersIndustry association membership supporting the agency in delivering top insurance products and services.
• Independent Insurance Agents & Brokers of AmericaminorOthersNational industry association membership providing access to resources, carrier relationships, and professional development.
• Strategic Independent Agents AllianceminorOthersAlliance membership supporting independent agency operations and carrier access.
• Trusted ChoiceminorOthersTrusted Choice is a brand and network for independent insurance agents, with Fuller Insurance having taken the Trusted Choice Pledge.
• North Florida Agents NetworkminorOthersRegional network of independent insurance agents in North Florida for peer support and carrier relationships.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• RPS Insurance: Mid-sized national insurance brokerage with a strong specialty and coastal property practice. Comparable as an independent agency that distributes personal, commercial, and specialty lines through multiple carrier partners.
• IMA Financial Group: Employee-owned independent insurance brokerage offering commercial, personal, life, and benefits products. Directly comparable multi-line independent agency model at a larger scale.
• Higginbotham: Texas-based independent insurance and financial services firm of similar scale and structure to Fuller Insurance — multi-line personal, commercial, life, and health products distributed through a regional agency network.
• Heffernan Insurance Brokers: Mid-sized independent insurance brokerage serving personal, commercial, life, and benefits clients across the U.S. Comparable structure as a multi-line, multi-carrier independent agency with a similar mix of coastal/SMB risk placements.
• One80 Insurance Group: National middle-market insurance brokerage built by aggregating independent agencies. Comparable as a multi-carrier personal/commercial brokerage serving SMB and affluent personal clients.

Broad incumbents

• Foundation Risk Partners: Florida-based, rapidly growing national insurance brokerage built through roll-ups of independent agencies. Fuller Insurance is the type of profitable, multi-line, specialty-experienced agency that Foundation actively acquires to densify its Florida footprint.
• Acrisure: Fast-growing global insurance brokerage and fintech platform. Operates a large retail agency network similar in business model to Fuller Insurance but at vastly greater scale and geographic scope.
• Brown & Brown: Daytona Beach, FL-headquartered national insurance brokerage and ranked among the largest independent insurance intermediaries in the U.S. Operates a retail agency model very similar to Fuller Insurance's — shopping multiple carriers for personal, commercial, and specialty risks — but at vastly greater scale and geographic reach.
• USI Insurance Services: Large national insurance brokerage with significant property & casualty, personal lines, and employee benefits capabilities. Comparable business model as a multi-carrier independent agency with broad product offerings.
• AssuredPartners: Large national insurance brokerage owned by Arthur J. Gallagher, with strong Southeast U.S. retail agency operations. Directly comparable business model — multi-carrier personal, commercial, and benefits brokerage serving SMB and individual clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/FullerInsurance
• LinkedInlinkedin.com/company/fuller-insurance
• Instagraminstagram.com/fuller.insurance.sowal
• Xx.com/fullerins

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Fuller Insurance