Morrow Insurance Group
Morrow Insurance Group is an independent insurance agency founded in 1905 and headquartered in Lutz, Florida, serving over 2,500 individuals, families, and businesses in the Tampa Bay area with personal, commercial, and specialty insurance products from 19+ carriers.
- Company typePrivate
- Founded1905
- HeadquartersLutz, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Morrow Insurance Group does
Morrow Insurance Group is an independent insurance agency established in 1905 and headquartered in Lutz, Florida, serving the Tampa Bay area including Tampa, Lutz, Land O'Lakes, Wesley Chapel, Odessa, and Carrollwood. The company operates through 14 full-time insurance agents and a multi-channel distribution model that includes online quote forms, phone sales, and in-person consultations at its sole office location. Its customer base spans over 1,500 individuals and families and over 1,000 businesses in Hillsborough County, distributed across personal lines (auto, homeowners, flood, renters, motorcycle, health, life), commercial lines (general liability, workers compensation, commercial auto, business owners policies, construction, trucking, church), and financial products (annuities, life insurance, and life and health employee benefits). The agency also offers tax preparation services and an online payment portal supporting credit card and ACH payments.
The agency earns revenue almost exclusively through insurance commissions from the 19+ carriers it represents, including Travelers, Safeco, Progressive, Liberty Mutual, Chubb, CNA, Nationwide, Zurich, Builders Mutual, Farmers, and Citizens Property Insurance Corporation, among others. Its primary technology is a computerized rating system that instantly compares rates across competing carriers for the same coverage, enabling agents to recommend the most competitive option to customers. The agency's go-to-market is sales-led, emphasizing personalized service, a "Trusted Choice Pledge of Performance," no-cost no-obligation reviews, and a structured refer-a-friend program. The firm is privately held with no disclosed institutional investment, no parent company, and no M&A activity in the provided data.
Morrow Insurance Group firmographics
Firmographics- Name
- Morrow Insurance Group
- Legal name
- Morrow Insurance Group
- Website
- https://morrowinsurance.net
- Company type
- Private
- Founded year
- 1905
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Morrow Insurance Group is an independent insurance agency founded in 1905 and headquartered in Lutz, Florida, serving over 2,500 individuals, families, and businesses in the Tampa Bay area with personal, commercial, and specialty insurance products from 19+ carriers.
- Ownership category
- akta.pro rank
Morrow Insurance Group industry classification
Industry- Product category
- Insurance Brokerage Services
- 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)
- akta.pro primary industry
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
- akta.pro secondary industries
- Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM), Long-Term Disability (LTD) Insurance (FSAIAIAD), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Directors & Officers (D&O) Liability (FSAJADAF)
Keywords
Where Morrow Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Lutz
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Morrow Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commissions: As an independent insurance agency, Morrow Insurance Group earns commissions from insurance carriers for policies sold and serviced. The agency represents multiple insurance companies, earning a percentage of premiums as commissions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Quote-based pricing tailored to individual customer needs |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Morrow Insurance Group product offering
Product offeringCore offering
Morrow Insurance Group is an independent insurance agency distributing personal, commercial, and specialty insurance products on behalf of 19+ insurance carriers. The agency employs 14 full-time agents who use a computerized rating system to instantly compare rates across competing insurers for the same coverage, helping customers secure the best available rates. Its offerings span personal lines (auto, homeowners, flood, renters, motorcycle, windstorm), commercial lines (general liability, workers compensation, commercial auto, construction, trucking, bonds), specialty lines (church insurance), life and health coverage, annuities, and tax preparation services.
Product overview
Morrow Insurance Group is an independent insurance agency established in 1905, serving the Tampa Bay area with a staff of 14 full-time agents. The company operates as a multi-product insurance agency rather than a single unified software platform. Their offering consists of three main categories: Personal Insurance (automobile, homeowners, renters, motorcycle, flood, windstorm, and umbrella coverage), Commercial Insurance (business & commercial, construction, contractors, church, trucking, workers compensation, bonds, and general liability), and Financial Products (annuities, life insurance, and life & health employee benefits). Additionally, they provide Tax Services, an online payment portal, and a web-based quote forms platform for quote requests and policy management. The agency utilizes a computerized rating system to compare rates across competing insurance carriers.
Differentiator
Problem solved
Functional benefit
Products and services
- Bonds Surety and bond insurance products including contractor license bonds, court bonds, ERISA bonds, license and permit bonds, miscellaneous bonds, notary bonds, and official bonds.
- Workers Compensation Workers compensation insurance covering medical expenses and lost wages for employees injured on the job, as required by state law.
- Motorcycle Insurance Motorcycle coverage including liability, comprehensive, and collision protection with options for various deductible amounts and coverage levels.
- Renters Insurance Coverage for personal contents against fire, theft, vandalism, and water damage, plus liability protection and additional living expense coverage for renters.
- Church Insurance Specialized coverage for religious organizations including property, liability, sexual misconduct, employment practice, and onsite day care operations, with 20 years of experience as a risk manager for a statewide religious insurance program.
- Contractors Insurance Insurance for independent contractors covering bodily injury, property damage, professional liability, commercial vehicles, builder's risk, and workers compensation.
- Business & Commercial Insurance Comprehensive commercial coverage including general liability, workers compensation, commercial auto, business owners policies (BOP), builders risk, and liquor liability for businesses.
- Construction Insurance Specialized insurance for construction professionals including general liability, professional liability, commercial vehicle, loss of income, builder's risk, and workers compensation coverage.
- Flood Insurance NFIP flood insurance coverage protecting properties against flood damage, which is excluded from standard homeowners and commercial property policies.
- Windstorm Insurance Additional wind coverage for properties in high-wind prone areas, covering damages from hurricanes, tornadoes, and cyclones beyond standard policy limits.
- Trucking Insurance Commercial trucking coverage including liability, cargo insurance, bobtail insurance, physical damage, and environmental liability for commercial truck owners and operators.
- Automobile Insurance Auto insurance coverage providing property, liability, and medical coverage including collision, comprehensive, bodily injury, property damage, and uninsured motorist protection for personal vehicles.
- Homeowners Insurance Package policy covering damage to home and personal possessions against disasters like fire, theft, and windstorms, plus liability protection and additional living expense coverage.
- Health Insurance Health coverage options including fee-for-service and managed care plans (HMOs, PPOs, POS), disability insurance (short-term and long-term), individual health, and long-term care insurance.
- Life Insurance Term and permanent life insurance products providing death benefit protection, with term insurance for temporary needs and permanent insurance with cash value accumulation for lifelong coverage.
- Annuities Long-term investment products including fixed annuities, equity index annuities, and variable annuities that provide tax-deferred growth and income stream options for retirement planning, with investment amounts ranging from $5,000 to over $100,000.
- Life & Health Employee Benefits Group employee benefits including medical plans (fully insured, level-funded, self-funded), dental, vision, life insurance, disability, and ancillary coverage with HR technology solutions.
- Tax Services Tax preparation services for individuals including filing status assistance, dependent management, and state residency guidance.
Companies that use Morrow Insurance Group
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles5 records
Morrow Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Morrow Insurance Group partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core, major and minor.
- TravelerscoreMajor national insurance carrier providing property and casualty insurance products. Listed as a key carrier partner on the agency's website links page.
- Safeco (Liberty Mutual)corePart of Liberty Mutual, provides personal and business insurance products through independent agents.
- ProgressivecoreMajor auto and personal lines insurer with online and agent-based distribution. Also provides payment processing link on agency's website.
- Liberty MutualcoreNational insurance carrier providing auto, home, and business coverage through independent agents.
- ChubbmajorPremium commercial and personal property/casualty insurance carrier known for high-net-worth client coverage.
- CNAmajorMajor commercial lines insurance carrier providing business insurance products including management liability, professional liability, and property coverage.
- Nationwide InsurancemajorLarge national mutual insurance company providing auto, home, life, and business insurance through independent agents.
- ZurichmajorGlobal insurance carrier providing commercial and personal lines. Also provides payment processing link on agency's website.
- Builders MutualcoreRegional insurance carrier specializing in construction and builder's risk coverage for the building industry.
- Builders Insurance GroupcoreInsurance group providing coverage for building professionals and contractors.
- AmerisafeminorInsurance carrier specializing in workers compensation and property/casualty coverage for small to medium businesses.
- Farmers InsurancemajorMajor insurance carrier providing auto, home, life, and business coverage through independent agents.
- Bankers InsuranceminorRegional insurance carrier providing property and casualty coverage in Florida and other states.
- United Property and Casualty Insurance CompanyminorFlorida-based insurance carrier providing homeowners and related property coverage.
- Universal Property and Casualty Insurance CompanyminorFlorida-focused insurance carrier providing homeowners insurance and related property coverage.
- Citizens Property Insurance CorporationmajorFlorida's state-sponsored insurer of last resort providing property insurance in high-risk coastal areas. Important carrier for Florida homeowners needing coverage when private market cannot provide it.
- Mercury InsuranceminorInsurance carrier known for competitive auto and homeowners coverage in multiple states.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Morrow Insurance Group competitors and assessment
Company assessmentBroad incumbents
- Brown & Brown, Inc. One of the largest US insurance brokerages, also Florida-headquartered (Daytona Beach). Operates an independent-agent model with multi-carrier access across personal and commercial lines, directly comparable to Morrow's business model but at vastly greater scale and geographic reach.
- Arthur J. Gallagher & Co. Global insurance broker and risk management firm serving commercial and personal clients with multi-carrier access. Comparable as a scaled-up multi-line insurance intermediary, particularly in commercial and employee benefits.
- Hub International: Large North American insurance brokerage with deep independent-agent roots and multi-carrier distribution across personal, commercial, and employee benefits. Comparable as a multi-line independent intermediary that consolidates smaller agency books of business.
- Allstate: Large national personal-lines insurer with exclusive agent distribution. Competes directly with Morrow in auto and homeowners, though Allstate uses a captive-agent model rather than an independent multi-carrier approach.
- State Farm: Largest US personal lines insurer operating through captive agent network. Comparable as a multi-line (auto, home, life, health) insurance provider; competes with Morrow for the same personal-lines customers in the Tampa Bay market.
- Lockton Companies: Largest independent insurance brokerage in the US, with multi-carrier distribution and specialty practices. Comparable as a high-growth independent brokerage model, illustrating scale outcomes for an agency with Morrow's multi-line, multi-carrier approach.
- Marsh McLennan: Global insurance brokerage and risk advisory firm. Comparable as a multi-carrier insurance intermediary serving both personal and commercial clients, with much broader geographic and product scope.
- GEICO: Direct-to-consumer auto and homeowners insurer that competes aggressively with independent agencies on price in commoditized personal lines. Comparable as a competing distribution model for the auto and home coverage that anchors Morrow's book.
Regional players
- Bankers Insurance Group: Florida-focused regional insurance carrier that is one of Morrow's carrier partners, providing property and casualty coverage in Florida. Comparable as a regional Florida insurance provider competing in the same homeowners and small-commercial market.
Others
- Trusted Choice: Cooperative network of independent insurance agents of which Morrow is a member (pledged under the 'Trusted Choice Pledge of Performance'). Comparable as an industry ecosystem organization that enables smaller independents to compete on branding and consumer trust.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Morrow Insurance Group social profiles
Digital presenceMorrow Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Morrow Insurance Group leadership team
Management profileNumber of profiles
Morrow Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Morrow Insurance Group 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 Morrow Insurance Group
What does Morrow Insurance Group do?
Morrow Insurance Group is an independent insurance agency distributing personal, commercial, and specialty insurance products on behalf of 19+ insurance carriers. The agency employs 14 full-time agents who use a computerized rating system to instantly compare rates across competing insurers for the same coverage, helping customers secure the best available rates. Its offerings span personal lines (auto, homeowners, flood, renters, motorcycle, windstorm), commercial lines (general liability, workers compensation, commercial auto, construction, trucking, bonds), specialty lines (church insurance), life and health coverage, annuities, and tax preparation services.
Is Morrow Insurance Group a public or private company?
Morrow Insurance Group is a private company. It is classified as unknown and is currently operating.
When was Morrow Insurance Group founded?
Morrow Insurance Group was founded in 1905. It employs 11 to 50 people.
Where is Morrow Insurance Group based?
Morrow Insurance Group is headquartered in Lutz, United States, in the North America region.
How does Morrow Insurance Group make money?
One revenue line is on record: insurance Commissions.
Who are Morrow Insurance Group's main competitors?
Broad incumbents on record are Brown & Brown, Inc., Arthur J. Gallagher & Co., Hub International, Allstate, State Farm, Lockton Companies, Marsh McLennan and GEICO. Bankers Insurance Group is listed as a regional player. Trusted Choice is listed as an others.
Does Morrow Insurance Group have an API?
No public API is recorded for Morrow Insurance Group.
What industry is Morrow Insurance Group in?
Morrow Insurance Group's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAFAD, Small Group Health Insurance (2–50/100), with a secondary code of FSAAAAAM, Annuities & Investment-Linked Insurance Solutions (Retail). Its NAICS code is 524210 and its SIC code is 6411.