Rolfs Insurance Services

What Rolfs Insurance Services does

Rolfs Insurance Services is a privately held, founder- and family-owned independent insurance agency founded in 1997 and headquartered at 10011 Pines Blvd, Suite #201, Pembroke Pines, Florida. The agency operates as a general-lines broker across personal and commercial coverages — homeowners, auto, flood, life, health, group, umbrella, specialty floaters, and commercial property/liability/workers comp — plus niche verticals in equine insurance and Amazon-seller liability. It sells through dedicated in-house agents and an eight-person off-premise producer network serving Broward, Dade, and Palm Beach Counties across South Florida.

The agency has no proprietary technology platform; operations run on standard insurance-industry practices for policy placement, claims handling, and CRM, with commodity integrations for payment processing (Xpress-Pay), flood quoting (Floodsol.com), Google Analytics, and Google AdSense. Its competitive positioning rests on multi-carrier access (independent agency structure), a 'Risk Navigator' risk-identification methodology, full-service claims advocacy, and curated water-restoration partner referrals rather than on technology differentiation.

Rolfs earns revenue exclusively through commissions paid by insurance carriers for placed coverage (a recurring, policy-renewal-driven stream). Distribution is sales-led and relationship-driven via phone (954-251-3312), email, website quote requests, and in-office consultations. The agency markets through an educational blog, multi-platform social media, and an email newsletter. It has been designated a Big I Best Practices Agency by IIABA/Reagan Consulting for 8 study years (2016-2020, 2022-2024), and is a member of Trusted Choice and the Florida Association of Insurance Agents.

Name

Rolfs Insurance Services

Legal name

Rolfs Insurance Services

Website

https://rolfsinsurance.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Rolfs Insurance Services is a privately held, family-owned independent insurance agency in Pembroke Pines, Florida, offering personal and commercial lines (home, auto, flood, life/health, commercial) plus equine and Amazon-seller niches across South Florida via a producer network.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

Specialty/Unique Item Coverage (Fine Art, Antiques, Pianos, Safes) (HSAKANAE), Personal Umbrella Insurance (FSAJANAA), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

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

Headquarters

HQ city

Pembroke Pines

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, Infrastructure

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, Rolfs Insurance Services earns revenue through commissions paid by insurance carriers for placing policy coverage. Agents shop various policies to find the best coverage for clients, receiving commissions from the insurers whose products they sell.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Rolfs Insurance Services is an independent insurance agency that places personal and commercial insurance coverage for clients across South Florida. The firm accesses multiple insurance carriers to shop and recommend policies, including homeowners, auto, flood, commercial property/liability, workers compensation, life and health, group, equine, and specialty lines. Agents provide risk identification, policy placement, claims advocacy, certificate of insurance management, and ongoing policy servicing.

Product overview

Rolfs Insurance Services operates as a general lines independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products paired with professional services. Their personal lines include homeowners, auto, flood, life/health, group, and specialty coverages such as umbrella liability, jewelry floaters, boat/yacht, and motorcycle insurance. Their commercial lines encompass property, general liability, professional liability, business auto, workers compensation, business interruption, and BOE insurance. The agency distinguishes itself as a relationship-driven broker offering risk analysis, insurance marketplace guidance, claims handling, and certificate management services. Founded in 1997 and headquartered in Pembroke Pines, Florida, the agency serves Broward, Dade, and Palm Beach Counties.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Insurance coverage protecting residential properties against damage from covered perils such as fire, theft, vandalism, and natural disasters; targeted at South Florida homeowners.
• Auto Insurance Vehicle coverage including liability, uninsured/underinsured motorist, personal injury protection, medical payments, comprehensive, and collision sections for individual vehicle owners.
• Commercial Insurance Business coverage including commercial property, general liability, professional liability, business auto, and workers compensation for commercial enterprises (for-profit and non-profit).
• Flood Insurance Coverage for flood damage, sourced through the National Flood Insurance Program (NFIP) and private market options, including a third-party Floodsol.com routing channel.
• Equine Insurance Specialized coverage for horse owners, trainers, breeders, and farm operators including equine mortality, major medical, personal liability, professional liability, and farm/ranch liability.
• Life and Health Insurance Individual and family coverage including life insurance for death benefits and health insurance through fee-for-service, HMO, or PPO plans.
• Group Insurance Employer-sponsored health insurance plans, typically more affordable than individual coverage, offered as fee-for-service, HMO, or PPO options.
• Amazon Seller Liability Insurance Liability coverage for Amazon sellers required to maintain insurance per Amazon's Business Solutions Agreement, with access to AM Best-rated carriers.
• Claims Handling Services Insurance claims reporting and processing assistance with agents acting as intermediaries between insured and insurer throughout the claims process.
• Risk Analysis Services Professional guidance identifying potential financial risks and recommending mitigation strategies through appropriate insurance coverage.
• Certificate of Insurance Management Production and management of insurance certificates evidencing coverage for business operations and contractor requirements.

Quantifiable outcome

• Agency retained Best Practices status for 8 consecutive years (2016-2020, 2022-2024)

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Trusted ChoicecoreChannel Partner/ Reseller/ DistributorTrusted Choice is an independent insurance agency network. Rolfs Insurance Services is a member of Trusted Choice, which provides access to resources, branding, and industry support for independent insurance agencies.
• Florida Association of Insurance Agents (FAIA)coreOthersFAIA is the state association for insurance agents in Florida. Rolfs Insurance Services is a member and references FAIA resources including information on claim definitions and industry statistics.
• Progressive InsuranceminorOthersInsurance carrier partner. Progressive is listed among insurance company customer support service centers on Rolfs Insurance Services website. Personal lines: 1-800-776-4737, Commercial lines: 1-888-240-9839.
• Mercury InsuranceminorOthersInsurance carrier partner listed among insurance company customer support service centers. Mercury: 1-800-503-3724.
• Restoration Claims ServicesminorOthersWater restoration services partner. Restoration Claims Services: (954) 926-6500. Provided as resource for clients dealing with water damage claims.
• Joe Taylor RestorationminorOthersWater restoration services partner. Joe Taylor Restoration: (888) 814-1455. Provided as resource for clients dealing with water damage claims.
• ServiceMaster by ReedminorOthersWater restoration services partner with multiple Florida locations. Fort Lauderdale: (954) 922-2020, Miami: (305) 625-0060, Panama City: (866) 944-0505.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Acrisure: Fast-growing insurance brokerage consolidator with major Florida operations. Comparable in independent agency placement model; differs by aggressive acquisition strategy and national footprint.
• HUB International: Major North American insurance brokerage with extensive Florida operations. Comparable in independent multi-carrier placement model and personal/commercial line focus, but operates at enterprise scale across many states.
• Brown & Brown, Inc. One of the largest independent insurance brokerages in the U.S. with deep Florida roots and a personal/commercial lines franchise. Directly comparable as an independent agency model, though vastly larger in scale and geography.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm with significant Florida presence. Comparable as an independent brokerage placing personal and commercial lines, though operating globally with institutional risk-management capabilities.

Direct peers

• Goosehead Insurance: Independent personal-lines insurance agency with franchise/branch model serving individuals across multiple states. Directly comparable as an independent personal-lines agency, though with a national franchise structure and different growth model.
• World Insurance Associates: Independent insurance agency that has rapidly grown through acquisitions of regional personal/commercial agencies, including Florida. Highly comparable in product mix and independent agency structure, but at much larger acquired scale.
• Hiscox Inc. Specialist insurer and broker focused on small commercial and professional liability lines. Comparable in commercial lines expertise (professional liability, small business) and direct digital distribution approach.

Others

• Trusted Choice: National network of independent insurance agents of which Rolfs is a member. Provides branding, lead generation, and resources to member independents - functionally a peer network and ecosystem partner rather than a direct competitor.
• Florida Association of Insurance Agents (FAIA): State-level association representing independent insurance agents in Florida, of which Rolfs is a member. Industry association rather than competitor, but relevant as the trade body that supports Rolfs' competitive positioning.

Emerging players

• Lemonade Inc. Digital-first insurance carrier using AI-driven underwriting for homeowners and renters. Adjacent competitor in personal lines, with growing Florida presence; competes for the same consumer segment but via direct-to-consumer digital model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/RolfsInsurance
• YouTubeyoutube.com/channel/UCJL1ZSxpIgjD5-zTVh_gbgw
• Facebookfacebook.com/rolfsinsurance
• LinkedInlinkedin.com/company/rolfs-insurance-services
• Instagraminstagram.com/rolfsinsuranceservices

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Rolfs Insurance Services