Carpenter Insurance

What Carpenter Insurance does

Carpenter Insurance Inc is a privately held, 100% independent insurance agency headquartered at 2200 FL-87 in Navarre, Florida. The agency serves individuals and businesses across the Florida Panhandle, distributing personal lines products (homeowners, auto, boat, motorcycle) and a range of commercial and specialty coverages (general liability, workers compensation, professional liability, contractors, restaurant, church, builders risk, bonds, and flood). Its operating model is consultative and commission-based: the agency shops across multiple insurance carriers on behalf of each client and recommends coverage, with revenue earned as a percentage of premium from carrier partners. Specific carrier names are not disclosed.

The agency's technology stack is built on third-party platforms rather than proprietary infrastructure. Online quoting for auto is delivered through ConsumerRateQuotes.com, flood quotes through Selective Flood's portal, and premium payments through SEPPay. The website serves as the primary digital acquisition channel, supported by Google Business Profile visibility and local reviews. There is no proprietary model, app, or AI/ML capability disclosed; all sales require direct agency confirmation, and no online policy binding is offered. The 'technology-focused' positioning on the website refers to workflow efficiency and digital intake rather than advanced technical capabilities.

Commercially, Carpenter Insurance competes against captive agents and direct-to-consumer insurance brands by emphasizing its independence and ability to compare multiple carrier options. Customer acquisition is primarily local and digital, with no evidence of expansion beyond the Florida market, no disclosed funding events, no M&A activity, and no leadership changes. The agency appears to be founder/operator owned, with a single physical location and a headcount in the 11-50 employee range. No revenue figures are disclosed, and there are no growth signals such as hiring trends or new market entries in the source data to assess trajectory.

Name

Carpenter Insurance

Legal name

Carpenter Insurance Inc

Website

https://carpenterinsuranceinc.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Carpenter Insurance is a privately held, 100% independent insurance agency in Navarre, Florida, serving individuals and businesses across the Florida Panhandle with personal, commercial, and specialty insurance products sourced from multiple carriers on a commission basis.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Public Liability (Premises/Operations) (FSAJADAD), Builders Risk / Course of Construction Insurance (FSAJACAF), Yacht & Pleasure Craft Insurance (FSAJAHAI)

Keywords

• Personal insurance
• Commercial insurance
• Specialty insurance
• Independent insurance agency
• Multi-carrier insurance comparison

Headquarters

HQ city

Navarre

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, Technology or R&D, Operations

Revenue model

1. Insurance Commissions: As an independent insurance agency, Carpenter Insurance earns commissions from insurance carriers for policies sold. The agency represents multiple insurance companies and receives a percentage of premiums paid by customers. Revenue is generated when customers bind coverage through any of the carriers the agency represents.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Carpenter Insurance is a 100% independent insurance agency that shops multiple insurance carriers on behalf of clients to find the best combination of cost and coverage. It sells personal insurance (homeowners, auto, boat, motorcycle), commercial business insurance (contractors, restaurants, churches, general liability, workers compensation, professional liability, builders risk), and specialty insurance, earning commissions from carrier partners. The agency serves individual consumers and business owners in Navarre, Florida and surrounding areas.

Product overview

Carpenter Insurance is a 100% independent insurance agency offering a comprehensive portfolio of insurance products across personal, business, and specialty categories. The agency operates as a comparison shopping service, connecting customers with multiple insurance carriers to find optimal combinations of cost and coverage. Their personal insurance offerings include homeowners, auto, boat, and motorcycle coverage. Their business insurance portfolio includes general liability, workers compensation, professional liability, and industry-specific coverages such as contractors insurance, restaurant insurance, church insurance, and builders risk insurance. They also offer bonds and flood insurance as specialty products. The agency differentiates through technology-focused service delivery with fast quoting capabilities and personalized claims advocacy.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal lines insurance coverage for individuals and families, including homeowners, auto, boat, and motorcycle policies tailored to each client's unique risk profile and needs. Sourced through multiple insurance carriers via the independent agency.
• Business Insurance Commercial insurance coverage for businesses of all shapes and sizes, providing protection for various business risks and liabilities, sourced from multiple carriers via the independent agency.
• Specialty Insurance Complex insurance solutions for unique or specialized coverage needs that require expertise beyond standard personal or commercial policies.
• Contractors Insurance Insurance coverage designed for contractors, protecting against risks associated with construction and contracting work.
• General Liability Insurance Coverage protecting businesses against third-party claims for bodily injury, property damage, and personal injury.
• Bonds Surety bonds providing financial guarantees for various contractual and legal obligations.
• Builders Risk Insurance Coverage for buildings under construction or renovation, protecting against damage to the structure and materials during the build.
• Church Insurance Specialized coverage for churches and religious organizations, addressing their unique operational and liability risks.
• Professional Liability Insurance Coverage protecting professionals against claims of negligence, errors, or omissions in their services.
• Restaurant Insurance Comprehensive coverage for restaurants addressing food service industry-specific risks including property, liability, and business interruption.
• Workers Compensation Insurance Coverage for employers against costs related to employee injuries or illnesses sustained while working.
• Flood Insurance Quote Flood insurance quotes through Selective Flood Insurance, providing coverage for flood-related property damage.
• Auto Insurance Quote Online auto insurance quote service connecting customers with competitive rates through the ConsumerRateQuotes platform as part of the agency's multi-carrier comparison process.

Quantifiable outcome

• Customers routinely save hundreds of dollars compared to major national carriers

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ConsumerRateQuotes.comcoreTechnology or IntegrationThird-party auto insurance quoting platform integrated into the Carpenter Insurance website. Customers are directed to ConsumerRateQuotes.com (ConsumerV2 platform) to obtain auto insurance quotes as part of the agency's multi-carrier comparison process.
• Selective Flood InsurancecoreTechnology or IntegrationFlood insurance quoting portal (selectiveflood.getflood.com) used by the agency to provide flood insurance quotes to customers as part of their comprehensive insurance offerings. Operates as a carrier portal for flood coverage.
• SEPPayminorChannel Partner/ Reseller/ DistributorPayment processing platform (seppay.com) used for customer bill payment and premium collection. Customers can make insurance payments through this platform linked on the agency website.
• Multiple Insurance CarrierscoreChannel Partner/ Reseller/ DistributorAs a 100% independent insurance agency, Carpenter Insurance represents multiple insurance carriers. The specific carrier names are not disclosed on the website, but the agency actively shops among these carrier partners to find the best combination of cost and coverage for each customer.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• HUB International: Large global insurance brokerage offering personal, commercial, and specialty coverage across many geographies. Operates the same multi-carrier brokerage model as Carpenter Insurance but at vastly greater scale.
• Brown & Brown Insurance: Publicly traded national insurance brokerage headquartered in Florida with strong regional presence. Comparable multi-line independent broker model, but with significantly deeper resources and carrier relationships.

Direct peers

• Burns & Wilcox: Specialty insurance brokerage placing complex and non-standard risks with multiple carriers. Comparable to Carpenter's specialty insurance segment (church, restaurant, contractors, builders risk).
• Brightway Insurance: Franchise-based independent insurance agency offering home, auto, and commercial coverage through multiple carrier partners. Same agency-as-intermediary model with carrier shopping.
• Insurance Office of America: Florida-headquartered independent insurance agency offering personal, commercial, and specialty lines. Strong geographic and product overlap with Carpenter Insurance's Florida Panhandle footprint.
• Goosehead Insurance: Independent insurance agency franchise and platform that compares policies across multiple carriers for personal and commercial clients. Same independent-agency / multi-carrier comparison model as Carpenter Insurance.
• SmartFinancial Insurance: Publicly traded independent insurance agency that shops multiple carriers across personal and commercial lines. Highly comparable business model to Carpenter Insurance, though operating at significantly greater national scale.

Emerging players

• The Zebra: Insurtech comparison platform letting consumers compare auto and home insurance quotes from multiple carriers online. Overlaps with Carpenter's multi-carrier comparison value proposition but is pure-direct, while Carpenter adds a consultative agent layer.
• Lemonade: Direct-to-consumer digital insurance carrier using AI-driven underwriting for home, auto, pet, and life. Represents the structural threat to small independent agencies competing for personal-lines customers.

Regional players

• Frank Winston Insurance: Regional independent insurance agency based in Florida. Comparable independent-agent model and product mix (home, auto, commercial) to Carpenter Insurance, but operating in a different Florida region.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/carpenterins
• Facebookfacebook.com/carpenterinsuranceinc
• LinkedInlinkedin.com/company/carpenter-insurance-inc-

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 Carpenter Insurance