Lancaster & Associates Insurance

What Lancaster & Associates Insurance does

Lancaster & Associates Insurance is a veteran-owned independent insurance agency headquartered at 1215 W. Fairbanks Ave in Orlando, Florida. The firm distributes personal and commercial insurance products on behalf of multiple A-rated carriers including Nationwide, AmTrust, Markel, Progressive, Allied, Foremost, National Indemnity, National General, Granada, Citizens, and Florida Citrus. Its product catalog spans auto, homeowners, life, recreational vehicle, and umbrella coverage on the personal side, plus commercial auto, workers compensation, business owners policies, professional liability, bonds, and 23 industry-specific programs covering sectors such as construction, trucking, accounting, healthcare, legal, and technology on the commercial side.

The agency operates a hybrid go-to-market combining consultative one-on-one agent sales with direct-to-consumer self-service through online quote forms. Underlying technology consists of comparative rater tools used to shop multiple carriers on behalf of clients, Allied Insurance's On Your Side service center for 24/7 claims and customer support, and standard web/CRM infrastructure. The agency runs CARE reviews to monitor and reassess policies on an ongoing basis and distributes through licensed agents, phone, a physical office, and the website.

Revenue is generated through carrier commissions on policies placed, with no publicly disclosed pricing or premium figures. Customer mix is a long-tail blend of individual consumers and small-to-medium businesses concentrated in Central Florida with extension into Georgia. Marketing relies on the agency website, Facebook, published testimonials, blog content, and community partnerships including the African American Chamber of Commerce Central Florida, where the firm won a 2024 Eagle Award. The firm has 1-10 employees, is privately held, and shows no institutional investor backing or M&A activity in the disclosed record.

Name

Lancaster & Associates Insurance

Legal name

Lancaster & Associates Insurance, Inc.

Website

https://lancaster-agency.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Lancaster & Associates Insurance is a veteran-owned independent insurance agency in Orlando, Florida that distributes personal and commercial insurance through multiple A-rated carriers, serving individuals and small-to-medium businesses across Florida and Georgia.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAA

Retail (Personal Lines) Insurance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAEADAJ

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance coverage
• Workers compensation insurance
• Recreational vehicle insurance

Headquarters

HQ city

Orlando

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 Agency Commissions: As an independent insurance agency, Lancaster & Associates earns commissions from insurance carriers for policies placed. They work with multiple A-rated carriers including Nationwide, AmTrust, Markel, Progressive, and others.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Lancaster & Associates Insurance is a veteran-owned, independent insurance agency in Orlando, Florida that places personal and commercial insurance policies on behalf of clients through multiple A-rated carriers including Nationwide, Allied, Progressive, AmTrust, Markel, and Foremost. The agency sells a multi-line portfolio covering auto, home, life, recreational vehicles, identity theft, and personal umbrella on the personal side, and workers compensation, commercial auto, general liability, commercial property, professional liability, bonds, crime, inland marine, commercial umbrella, and industry-specific programs (construction, contractors, trucking, accounting, technology services) on the commercial side. The agency earns carrier commissions, uses comparative raters to shop coverage, performs ongoing CARE policy reviews, and offers 24/7 claims support via Allied Insurance's On Your Side service center.

Product overview

Lancaster & Associates Insurance is a veteran-owned independent insurance agency in Orlando, Florida offering a comprehensive portfolio of insurance products and risk management solutions. The company provides personal insurance lines (auto, home, life, and recreational vehicles) as well as commercial insurance products (business owners policies, workers compensation, commercial auto, professional liability). The agency operates through partnerships with multiple A-rated carriers including Nationwide, Allied, Progressive, AmTrust, Markel, Foremost, and others to deliver customized coverage options. The product structure is organized as a multi-line insurance agency model where the core offerings include Auto Insurance with 15 sub-products, Homeowners Insurance with 8 sub-products, Life Insurance with 7 sub-products, Recreational Vehicle Insurance with 5 sub-products, and Commercial Insurance organized into Coverage for Specific Industries (23 industry-specific programs) and Coverage for Your Business (12 business coverage types). Additional services include notary, licensing, data backup, and loss control consulting.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto insurance program offering custom-tailored policies including liability, collision, comprehensive, uninsured motorist, PIP, medical payments, rental reimbursement, towing, roadside assistance, diminishing deductible, accident forgiveness, minor violation forgiveness, and specialty coverage for collectibles, antiques, hot rods, custom, show, and race cars.
• Homeowners Insurance Property insurance for homeowners, renters, condo owners, mobile home owners, and landlords covering the structure, personal possessions, liability, scheduled high-value items, and in-home business exposures.
• Life Insurance Death benefit and income protection coverage for individuals and groups, including individual term and whole life, group life, long-term care, mortgage protection, disability income, second-to-die survivorship, and key person insurance.
• Recreational Vehicle Insurance Coverage for motorcycles, boats, motorhomes, ATVs, snowmobiles, golf carts, and jet skis placed through Allied, Progressive, and Foremost carriers.
• Identity Theft Insurance Coverage for costs associated with identity restoration, including attorney fees, credit re-application expenses, and lost income for affected individuals and families.
• Personal Umbrella Insurance Excess personal liability coverage that sits above auto and home policy limits to protect against catastrophic liability events.
• Business Owners Policy (BOP) Bundled commercial package combining property, general liability, and crime insurance for small to medium businesses.
• Commercial Auto Insurance Vehicle coverage for business use, including medical payments, personal injury protection, GAP, cargo, and uninsured motorist coverage, placed with Progressive, National Indemnity, National General, and Granada Insurance.
• Workers Compensation State-mandated coverage for workplace injuries that pays medical costs and lost wages for injured employees, placed with Nationwide, AmTrust, Markel, and Florida Citrus carriers.
• Commercial General Liability Protection for businesses against third-party bodily injury, property damage claims, garage keepers liability, and employment practices liability.
• Commercial Property Insurance Coverage for business assets including equipment, inventory, buildings, and documents against damage and loss.
• Commercial Umbrella Insurance Excess liability coverage above underlying commercial policy limits to protect against major lawsuits.
• Crime Insurance Commercial coverage for losses from employee dishonesty, robbery, computer fraud, forgery, and theft.
• Inland Marine Insurance Off-site coverage for transported property, computer equipment, contractor tools, and artwork in transit or at temporary locations.
• Professional Liability Errors and omissions, directors and officers, fiduciary, and employment practices liability coverage for professional service firms.
• Bonds Surety and fidelity bonds including performance, contractor, ERISA, fiduciary, and license bonds for individuals and businesses.
• Loss Control Insurance Risk management services including safety program development, training, and loss prevention materials for commercial clients.
• Accounting Firm Insurance Industry-specific coverage for accounting firms bundling workers compensation, general liability, and professional liability to address the unique exposures of accounting practices.
• Construction Insurance Insurance program for construction businesses combining general liability, commercial auto, workers compensation, and surety bonds to cover job site and equipment exposures.
• Contractors Insurance Complete insurance program for contractors covering workers compensation, liability, property, and specialized equipment exposures.
• Trucking Insurance Coverage for semis, dump trucks, garbage trucks, and tow trucks with commercial truck liability limits up to $1 million and cargo coverage.
• Technology Services Insurance Coverage for technology companies including cyber liability, product liability, and loss control services tailored to tech service providers.
• Additional Insurance Services Extra services offered alongside insurance policies including wedding insurance, special event insurance, notary services, and license and permit services.

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core, major, regional, featured and community.

• Allied InsurancecoreTechnology or IntegrationPartnership with Allied Insurance for 24/7 customer support and claims handling through their On Your Side service center. Provides round-the-clock assistance for claims, accidents, and billing inquiries.
• NationwidecoreChannel Partner/ Reseller/ DistributorPrimary carrier partner offering workers compensation, commercial liability, property insurance and other commercial products. Some providers offer dividend programs.
• AmTrust North AmericacoreChannel Partner/ Reseller/ DistributorCarrier partner for workers compensation and business insurance products in Florida market.
• Markel Insurance CompanycoreChannel Partner/ Reseller/ DistributorCarrier partner providing workers compensation and commercial insurance solutions with potential dividend programs.
• ProgressivemajorChannel Partner/ Reseller/ DistributorCommercial auto insurance carrier partner for trucking and commercial vehicle coverage.
• National IndemnitymajorChannel Partner/ Reseller/ DistributorCommercial auto and trucking insurance carrier partner.
• National GeneralmajorChannel Partner/ Reseller/ DistributorCommercial auto insurance carrier partner.
• Granada InsurancemajorChannel Partner/ Reseller/ DistributorCommercial auto insurance carrier partner for Florida market.
• Florida CitrusregionalChannel Partner/ Reseller/ DistributorRegional carrier partner for workers compensation in Florida.
• Citizens InsurancefeaturedChannel Partner/ Reseller/ DistributorFeatured carrier partner offering property and home insurance products.
• ForemostmajorChannel Partner/ Reseller/ DistributorRecreational vehicle insurance carrier partner providing coverage for boats, motorhomes, and other recreational vehicles.
• African American Chamber of Commerce Central FloridacommunityStrategic or Co-development PartnerChamber membership and 2024 Eagle Award recognition demonstrating community engagement and local business credibility.

Scale indicators1 record

Recent moves5 records

Expansion highlights6 records

Direct peers

• Goosehead Insurance: Independent personal lines insurance agency franchise offering home, auto, and life coverage through multiple carrier partners. Directly comparable in independent agency model with multi-carrier access and consultative sales approach.
• Insurance Office of America: Florida-based independent insurance agency offering personal and commercial lines across multiple carrier partners. Direct comparable in geographic market (Florida), multi-line product mix, and independent brokerage model serving individuals and SMBs.
• Brightway Insurance: Florida-headquartered independent insurance franchise agency offering home, auto, and commercial coverage through multiple carriers. Direct comparable in Florida independent agency model with multi-carrier access serving individuals and small businesses.

Broad incumbents

• Brown & Brown Insurance: Large national insurance brokerage headquartered in Florida (Daytona Beach) offering personal, commercial, and specialty lines through carrier relationships. Comparable as a Florida-rooted independent agency model, though vastly larger scale, providing a benchmark for LAI's potential growth trajectory.
• Acrisure: Large independent insurance brokerage offering personal, commercial, and specialty coverage across multiple carrier partners. Comparable independent brokerage model with multi-carrier access and multi-line product mix, though operating at national scale.
• HUB International: Large North American insurance brokerage providing personal, commercial, and specialty lines across multiple carrier partners. Comparable business model and product breadth, though substantially larger scale and broader geographic footprint than LAI.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm offering personal, commercial, and specialty insurance through carrier relationships. Comparable independent brokerage model with multi-line product mix, though operating at enterprise scale vastly beyond LAI.
• AssuredPartners: National insurance brokerage offering personal, commercial, and specialty lines through multiple carrier relationships. Comparable independent brokerage model serving individuals and businesses, though substantially larger scale.

Regional players

• Foundation Insurance of Florida: Florida-based independent insurance agency offering personal and commercial lines through multiple carrier partners. Regional comparable operating in similar geography with comparable independent agency model and multi-line product offering.

Emerging players

• Cost Segregation Services / Florida-based specialty brokers: Other Florida- and Southeast-based independent agencies and specialty brokers serving the same small business and personal lines markets. Comparable in independent agency model and Florida market focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/lancasterinsagency

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Lancaster & Associates Insurance