Pineapple Insurance
Pineapple Insurance is a privately held independent insurance agency in Tampa, Florida that represents 30+ carriers to sell personal and commercial lines — including homeowners, auto, flood, umbrella, and cyber liability — to Florida consumers, landlords, and small businesses via licensed agents and online quote channels.
- Company typePrivate
- Founded2021
- HeadquartersTampa, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Pineapple Insurance does
Pineapple Insurance is a privately held, Florida-focused independent insurance agency headquartered at 3907 Henderson Blvd in Tampa, FL, operating without external venture or private equity backing. The agency represents more than 30 insurance carriers — including national players (Liberty Mutual, Progressive, Travelers) and Florida-specialty carriers (Citizens, Tower Hill, Southern Oak, Security First, Wright Flood, Neptune Flood, Slide, Mangrove) — and distributes a full portfolio of personal and commercial lines. Personal lines offerings include homeowners, condo/townhome, renters, flood, auto, umbrella, jewelry, motorcycle, RV, and watercraft insurance; commercial lines include general liability, business owners, commercial auto, rental property/landlord, cyber liability, and workers' compensation coverage accessed via carrier partners.
The agency's value proposition centers on cross-carrier comparison shopping on behalf of Florida consumers and small businesses navigating a complex market shaped by hurricane, flood, and coastal risk exposure. Distribution is sales-led: customers reach the agency through phone, secure online quote forms, Calendly-scheduled appointments with named agents, or word-of-mouth via a formal 'Refer a Friend' program. The team of approximately 8 staff — including a CEO with CPCU/CLU/ChFC credentials and prior Progressive and AAA Auto Club South executive experience, an Owner & Principal with prior Dell Technologies experience, an Agency Manager with 30+ years of insurance tenure, four licensed agents, an executive assistant, and a customer service representative — generates revenue exclusively through carrier commissions on policies sold and renewed. No proprietary technology platforms, AI systems, or developer-facing APIs are disclosed; operations rely on standard agency website tooling and direct agent-led sales.
Pineapple Insurance firmographics
Firmographics- Name
- Pineapple Insurance
- Legal name
- Pineapple Insurance
- Website
- https://pineappleinsure.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Pineapple Insurance is a privately held independent insurance agency in Tampa, Florida that represents 30+ carriers to sell personal and commercial lines — including homeowners, auto, flood, umbrella, and cyber liability — to Florida consumers, landlords, and small businesses via licensed agents and online quote channels.
- Ownership category
- akta.pro rank
Pineapple Insurance industry classification
Industry- Product category
- Independent Insurance Agency
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Personal Umbrella Insurance (FSAJANAA)
- akta.pro secondary industries
- Commercial General Liability (CGL) (FSAJADAA), Commercial Umbrella Insurance (FSAJANAB)
Keywords
Where Pineapple Insurance is headquartered
LocationHeadquarters
- HQ city
- Tampa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Pineapple Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commission Revenue: Pineapple Insurance operates as an independent insurance agency earning commissions from insurance carriers for policies sold. As an independent agency, they represent multiple insurance companies and earn commissions when customers purchase policies through them. Revenue is generated through commissions on personal lines insurance products including homeowners, auto, flood, umbrella, boat, RV, and other personal insurance policies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personalized insurance quotes based on individual customer needs and risk profiles |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Pineapple Insurance product offering
Product offeringCore offering
Pineapple Insurance is a full-service independent insurance agency that sells personal and commercial insurance policies on behalf of 36+ carrier partners to Florida residents and small businesses. The agency earns commissions by shopping its carrier network to match customers with tailored coverage across homeowners, auto, flood, recreational vehicles, umbrella, and commercial lines (general liability, commercial auto, cyber, rental property), rather than underwriting risk directly.
Product overview
Pineapple Insurance is a full-service independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. As an independent agency, they represent multiple insurance carriers to provide tailored coverage solutions. The product portfolio includes personal lines products (homeowners, condominium/townhome, builders risk, renters, flood, auto, jewelry, RV/boat, motorcycle, watercraft/boat, and umbrella insurance) and commercial lines products (business insurance, general liability, rental property, commercial auto, cyber liability, and umbrella insurance). All products are offered as individual standalone policies that customers can purchase based on their specific insurance needs, with the agency's value proposition centered on comparing coverage options across their carrier network to find the right fit at competitive pricing.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowners Insurance Standard homeowners insurance policy that insures the home itself and personal belongings inside, providing financial protection against covered losses and liability for injuries or property damage caused to others. Targeted at Florida homeowners.
- Condominium & Townhome Insurance HO-6 policy that covers what a condo or townhome owners association's master policy won't, including personal belongings and injuries inside the unit. For condo and townhome owners in Florida.
- Builders Risk Insurance Specialized coverage for buildings under construction, also called course of construction insurance, providing protection for materials, equipment, and structures being built. For property owners and contractors during construction projects.
- Renters Insurance Insurance providing protection against property loss and liability coverage for renters, covering personal belongings against damage from fire, smoke, lightning, vandalism, theft, and water damage. For Florida renters.
- Flood Insurance Insurance coverage through the National Flood Insurance Program (NFIP) that protects against flood damage, including structure insurance and contents coverage for possessions. Particularly relevant for Florida hurricane and coastal exposures.
- Auto Insurance Auto insurance policies providing protection against property damage, liability, and medical costs following accidents, including collision, comprehensive, liability, MedPay, uninsured/underinsured motorist, and PIP coverage. For Florida drivers.
- Jewelry Insurance Coverage protecting jewelry against losses from fire, theft, or household accidents, including repair coverage and total replacement cost for stolen or damaged items. For owners of valuable jewelry.
- RV & Boat Insurance Recreational vehicle insurance covering boats, motorcycles, RVs, ATVs, travel trailers, and snowmobiles, providing liability and property damage protection. For owners of recreational vehicles.
- Motorcycle Insurance Insurance coverage for motorcycles including liability protections, uninsured/underinsured motorist coverage, property damage, vandalism, fire, theft, roadside assistance, and towing. For motorcycle owners.
- Watercraft & Boat Insurance Boat insurance providing liability coverage, medical payments coverage, property coverage for theft or vandalism, and uninsured watercraft coverage. For boat and watercraft owners.
- Umbrella Insurance Extra liability coverage beyond existing policy limits for both commercial and personal lines, covering bodily injuries, property damage, lawsuits, and other liability situations. For personal and commercial customers seeking excess liability protection.
- Business Insurance Commercial insurance coverage designed for businesses including general liability, business property, business interruption, commercial auto, professional liability, and workers' compensation insurance. For Florida small business owners.
- General Liability Insurance Commercial general liability insurance covering third-party property damage, bodily injury, personal and advertising injury, including associated legal fees. For Florida small business owners.
- Rental Property Insurance Landlord insurance covering property structure damage, landlord's personal belongings, liability protection for tenant injuries, and loss of rental income. For landlords and residential rental property investors.
- Commercial Auto Insurance Insurance for business vehicles covering liability, collision, medical payments, comprehensive, and uninsured/underinsured motorist coverage for company fleets. For Florida small business owners with company vehicles.
- Cyber Liability Insurance Cyber insurance covering financial losses from data breaches and cyber attacks, including privacy lawsuits, lost income, regulatory fines, and ransomware response. For Florida small businesses with cyber exposure.
Companies that use Pineapple Insurance
Customer profileSegments3 records
Ideal customer profiles3 records
Pineapple Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Pineapple Insurance partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core.
- American IntegritycoreInsurance carrier partner offering home and property insurance products through Pineapple Insurance agency. Provides claims, billing, and policy services to customers.
- Appalachian UnderwriterscoreInsurance carrier partner providing coverage options through the independent agency channel.
- AttunecoreInsurance carrier partner offering coverage through Pineapple Insurance.
- Bankers InsurancecoreInsurance carrier partner providing property and casualty coverage options.
- Bass UnderwriterscoreInsurance carrier partner operating in the Florida market.
- Citizens Property InsurancecoreFlorida's state-chartered insurance company providing property coverage, particularly important in high-risk coastal areas.
- HagertycoreSpecialty insurance carrier for classic cars, boats, and collectible vehicles.
- Liberty MutualcoreMajor national insurance carrier providing auto, home, and commercial coverage through independent agents.
- ProgressivecoreLarge national auto and property insurance carrier available through independent agency distribution.
- TravelerscoreMajor commercial and personal lines insurance carrier with broad product offerings.
- Wright FloodcoreSpecialized flood insurance carrier providing NFIP and excess flood coverage, essential for Florida properties.
- Neptune FloodcoreDigital flood insurance carrier offering NFIP and private flood coverage options.
- Tower HillcoreFlorida-focused property insurance carrier known for homeowners coverage in the Florida market.
- Southern OakcoreFlorida-based property insurer offering homeowners and related coverage.
- Security FirstcoreFlorida property insurance carrier focused on homeowners coverage.
- Jewelers MutualcoreSpecialized jewelry insurance carrier providing coverage for valuable jewelry items.
- Cowbell CybercoreCyber insurance carrier providing coverage for business cyber liability exposures.
Scale indicators1 record
Recent moves5 records
Expansion highlights5 records
Pineapple Insurance competitors and assessment
Company assessmentEmerging players
- Lemonade: Digital-first InsurTech carrier (NYSE: LMND) selling homeowners, renters, auto, and pet insurance directly to consumers via mobile app. Represents the direct-to-consumer model that is structurally threatening to traditional independent agencies like Pineapple, even though it currently focuses on different geographies.
Direct peers
- Higginbotham Insurance Agency: Mid-size independent insurance agency offering personal, commercial, and employee benefits coverage through a network of carrier partnerships. Similar independent-agency model to Pineapple, with comparable product breadth and a multi-location footprint that provides a template for growth.
- Hilb Group: Mid-size insurance brokerage offering personal, commercial, and specialty lines through carrier partnerships. Operates on the same independent-agency model as Pineapple and provides an example of growth through acquisition that an investor could view as a possible scaling pathway.
- Brown & Brown, Inc. Daytona Beach, FL-headquartered insurance brokerage (NYSE: BRO) operating as an independent agency and broker across personal and commercial lines. Same fundamental independent-agency business model as Pineapple, though materially larger scale and broader geographic footprint.
- Insurance Office of America (IOA): Florida-headquartered independent insurance agency offering personal and commercial lines through multiple carrier partnerships. Closely comparable to Pineapple in business model, geographic focus, and product breadth, though significantly larger in scale.
- Frank Winston Crum Insurance: Florida-based insurance agency offering personal and commercial coverage with deep Florida market expertise. Closely comparable to Pineapple in geography and customer base, though it has historically had a stronger workers' compensation focus.
Broad incumbents
- Acrisure: Large and rapidly growing insurance brokerage with a significant Florida footprint. Offers overlapping personal and commercial lines but operates nationally and has invested heavily in proprietary technology — a different scale and tech profile than Pineapple.
- Marsh McLennan: World's largest insurance broker and risk advisor (NYSE: MMC), with a significant Florida presence. Primarily competes for mid-market and enterprise commercial accounts but also serves high-net-worth personal lines — adjacent rather than directly competitive with Pineapple's SMB/consumer focus.
- HUB International: Large North American insurance brokerage with significant Florida presence, offering personal, commercial, and specialty lines. Overlaps with Pineapple's core offerings but operates at a much larger scale and is part of a much broader portfolio of services.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm (NYSE: AJG) with substantial Florida operations across personal and commercial lines. A much larger incumbent that competes for the same customer base as Pineapple, particularly in the commercial segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Pineapple Insurance social profiles
Digital presencePineapple Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pineapple Insurance leadership team
Management profileNumber of profiles
Profiles8 records
Pineapple Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pineapple Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pineapple Insurance
What does Pineapple Insurance do?
Pineapple Insurance is a full-service independent insurance agency that sells personal and commercial insurance policies on behalf of 36+ carrier partners to Florida residents and small businesses. The agency earns commissions by shopping its carrier network to match customers with tailored coverage across homeowners, auto, flood, recreational vehicles, umbrella, and commercial lines (general liability, commercial auto, cyber, rental property), rather than underwriting risk directly.
Is Pineapple Insurance a public or private company?
Pineapple Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pineapple Insurance founded?
Pineapple Insurance was founded in 2021. It employs 1 to 10 people.
Where is Pineapple Insurance based?
Pineapple Insurance is headquartered in Tampa, United States, in the North America region.
How does Pineapple Insurance make money?
One revenue line is on record: insurance Commission Revenue.
Who are Pineapple Insurance's main competitors?
Lemonade is listed as an emerging player. Direct peers are Higginbotham Insurance Agency, Hilb Group, Brown & Brown, Inc., Insurance Office of America (IOA) and Frank Winston Crum Insurance. Broad incumbents are Acrisure, Marsh McLennan, HUB International and Arthur J. Gallagher & Co..
Does Pineapple Insurance have an API?
No public API is recorded for Pineapple Insurance.
What industry is Pineapple Insurance in?
Pineapple Insurance's product category is Independent Insurance Agency. Its primary akta.pro industry code is FSAJANAA, Personal Umbrella Insurance, with a secondary code of FSAJADAA, Commercial General Liability (CGL). Its NAICS code is 52421 and its SIC code is 6411.