All Counties Insurance Agency

What All Counties Insurance Agency does

All Counties Insurance Agency is an independent, privately-held insurance agency founded in 2002 and headquartered in Flagler Beach, Florida. The agency distributes personal and commercial insurance products on a commission basis through appointments with 17+ insurance carriers, including national carriers (Progressive, Travelers, Safeco) and Florida-specialist carriers (Florida Peninsula, Universal Property and Casualty, Tower Hill, Southern Oak, Cypress, Capitol Preferred, American Traditions, ASI, Frontline, Olympus, Infinity, Velocity, Hagerty, Foremost). It serves individual and small-business customers across at least eight Florida cities — Palm Coast, Flagler Beach, Bunnell, Ormond Beach, St Augustine, Daytona Beach, Jacksonville, and Orlando.

The agency offers ten core product lines: auto, home, commercial, boat/watercraft, classic car, flood, umbrella, motorcycle, RV, and renters insurance. Flood coverage is offered through both FEMA's National Flood Insurance Program and private-market carriers with shorter waiting periods and replacement-cost options — a meaningful differentiator in a state with concentrated hurricane and flood exposure. Operations are supported by EZLynx, a third-party agency management and comparative-quoting platform, with a website-based self-serve quote funnel layered on top of the traditional phone-and-office sales motion. Customer acquisition combines a content/SEO blog on Florida insurance topics with direct agent contact and referrals.

The business model is commission-based: revenue is earned on new and renewal premiums placed with carrier partners, with no disclosed pricing tiers and rates set carrier-by-customer. No funding, M&A, or institutional ownership has been disclosed; the agency appears to be founder- or small-group-owned. The company is sub-10 employees by stated headcount, and no financial figures (revenue, premium volume, commission income) are publicly disclosed.

Name

All Counties Insurance Agency

Legal name

All Counties Insurance Agency

Website

https://aciaonline.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

All Counties Insurance Agency is an independent Florida insurance agency founded in 2002, distributing personal and commercial lines through 17+ carrier appointments to individuals and small businesses across eight Florida cities.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industries

Homeowners Insurance (FSAJACAA), Umbrella Insurance (FSAJAMAK)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial insurance brokerage
• Flood insurance NFIP
• Florida property and casualty

Headquarters

HQ city

Flagler Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, All Counties Insurance Agency earns commissions from multiple insurance carriers (American Traditions, ASI, Cypress, Capitol Preferred, Florida Peninsula, Frontline, Hagerty, Infinity, Olympus, Progressive, Safeco, Southern Oak, Tower Hill, Travelers, Universal Property and Casualty, Velocity, Foremost) for policies placed on behalf of customers. Revenue is generated through commissions on new policies and renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

All Counties Insurance Agency is an independent insurance agency that places personal and commercial insurance policies on behalf of Florida consumers and small businesses through a panel of 17+ insurance carriers. It provides comparison shopping, personalized quoting, and one-on-one agent advice across auto, home, flood, renters, umbrella, motorcycle, RV, boat/watercraft, classic car, and commercial lines, including FEMA/NFIP and private-market flood options.

Product overview

All Counties Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency provides personal lines insurance (auto, home, renters, flood, umbrella, motorcycle, RV, boat/watercraft, classic car) and commercial insurance products. As an independent agency, they offer products from multiple insurance carriers including American Traditions, ASI, Cypress, Capitol Preferred, Florida Peninsula, Foremost, Frontline, Hagerty, Infinity, Olympus, Progressive, Safeco, Southern Oak, Tower Hill, Travelers, Universal Property and Casualty, and Velocity, enabling them to compare quotes and find optimal coverage for clients. The agency also offers flood insurance through both FEMA's NFIP and private insurance markets with options including no 30-day wait periods and replacement cost coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance coverage for Florida drivers, including minimum liability ($10,000 property damage liability) and Personal Injury Protection (PIP) as required by Florida's no-fault insurance laws. Placed through multiple carrier partners (Progressive, Infinity, Safeco, Travelers, Foremost, and others).
• Home Insurance Homeowners insurance for Florida residents covering dwelling, personal property, and liability against fire, theft, wind damage, and other covered perils. Includes coverage for homeowners, condominium owners, manufactured homes, mobile homes, landlord risks, and vacant property. Placed through multiple carrier partners.
• Commercial Insurance Business insurance for Florida small business owners including Commercial General Business Liability, commercial automobile, commercial property, and landlord risk coverage.
• Boat/Watercraft Insurance Insurance coverage for boats, jet skis, and watercraft vessels, protecting against damage, theft, and liability on Florida waterways.
• Classic Car Insurance Specialty insurance for classic vehicles 20 years or older with minimum $3,500 coverage, offering agreed or stated amount limits and policies for vehicles under restoration. Placed through specialty carrier partners such as Hagerty and Foremost.
• Flood Insurance Coverage for flood damage through FEMA's National Flood Insurance Program (NFIP) and private insurance markets, offering no 30-day wait options with replacement cost, payment plans, and additional living expense coverage for Florida properties.
• Umbrella Insurance Extra liability coverage supplementing auto and home policies, covering bodily injury, property damage, and personal liability expenses including libel, slander, and malicious prosecution.
• Motorcycle Insurance Motorcycle coverage for Florida riders including uninsured motorist coverage; applicable to riders 21+ with minimum $10,000 medical insurance (helmets not legally required under Florida law for this group).
• RV Insurance Recreational vehicle coverage for motorhomes (Class A, B, C), fifth wheels, toy haulers, travel trailers, and truck campers, including liability, collision, campsite/vacation, and full-timer coverage.
• Renters Insurance HO-4 renter's policy covering personal belongings (Coverage C: $15,000-$100,000), loss of use (Coverage D), personal liability (Coverage E: $100,000-$500,000), and medical payments to others (Coverage F: $1,000-$5,000).

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core.

• American TraditionscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering home and property insurance products through the agency.
• ASIcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering various property and casualty insurance products.
• CypresscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing property insurance coverage options.
• Capitol PreferredcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering preferred property insurance products.
• Florida PeninsulacoreChannel Partner/ Reseller/ DistributorFlorida-focused insurance carrier providing home and property insurance.
• FrontlinecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering property insurance coverage.
• HagertycoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier focused on classic vehicle coverage including cars, motorcycles, and boats.
• InfinitycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto insurance coverage.
• OlympuscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering property and casualty coverage.
• ProgressivecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier offering auto, home, and other insurance products.
• SafecocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal insurance products including auto and home coverage.
• Southern OakcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier focused on Florida homeowners coverage.
• Tower HillcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering home and property insurance with Florida presence.
• TravelerscoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing comprehensive property and casualty insurance products.
• Universal Property and CasualtycoreChannel Partner/ Reseller/ DistributorFlorida-focused insurance carrier specializing in homeowners coverage in coastal and high-risk areas.
• VelocitycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering specialty coverage products.
• ForemostcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering specialty insurance products including manufactured home and classic car coverage.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Hilb Group: National independent insurance agency platform with strong Florida presence. Comparable multi-carrier agency model for personal and commercial lines, scaled via rollups of agencies similar in profile to All Counties.
• Brown & Brown: Large publicly traded insurance brokerage headquartered in Daytona Beach, FL. Comparable Florida-rooted multi-carrier distribution, though materially larger and more diversified than All Counties.
• AssurePartners: National independent insurance agency platform with personal and commercial lines across the Southeast, including Florida. Comparable multi-carrier retail agency model focused on regional and mid-market clients.

Others

• EZLynx (Inspirus/Applied Systems): Technology provider of agency management and comparative ratting software used by All Counties. Adjacent enabler within the independent agency ecosystem rather than a competitor.
• Citizens Property Insurance Corporation: Florida's state-backed insurer of last resort for residential property. Adjacent rather than competitive; All Counties' carrier panel and policy placement operates in the same Florida homeowners market context.

Direct peers

• Insurance Office of America: Large Florida-based independent insurance agency offering personal, commercial, and specialty coverage through multiple carriers. Comparable independent agency model with FL market concentration.
• Wallace Welch & Willingham: Long-standing Florida independent insurance agency providing personal and commercial lines through multiple carriers. Direct comp on multi-carrier agency model serving Florida residents and businesses.
• Brightway Insurance: Florida-headquartered independent insurance franchise agency offering personal and commercial lines across the state. Highly comparable as another FL-focused multi-carrier retail agency built around local agents and digital quoting.

Emerging players

• Progressive Direct: Major national carrier offering direct-to-consumer auto, home, and other lines. Comparable product set (auto, home, etc.) but distributed direct rather than through independent agents, representing the primary disintermediation threat.
• Keystone National Insurance: Independent insurance agency serving Florida and other states with personal and commercial coverage through multiple carriers. Comparable independent agency profile at similar scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/allcountiesins
• Facebookfacebook.com/profile.php

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 All Counties Insurance Agency