Waldorff Insurance and Bonding

What Waldorff Insurance and Bonding does

Waldorff Insurance and Bonding is an independent, privately held insurance agency headquartered in Fort Walton Beach, Florida, founded in 1963 and operating a second office in Gainesville, Florida. The firm distributes insurance through direct sales and inside-sales motions — quote request forms on the website with employee-count and industry-classification fields, alongside phone, fax, and email intake — and serves primarily construction contractors and small-to-mid-sized commercial accounts in the Southeast US, with a smaller personal lines book. It earns revenue via commissions from carriers across four product lines: Commercial Insurance (property, commercial general liability, workers' compensation, business auto), Contract Bonding (bid, performance, and payment bonds through A-rated treasury-listed sureties), Employee Benefits (group health, dental, vision, disability, 24/7 virtual doctor visits, pet insurance), and Personal Insurance (auto and homeowners).

Its underlying technology stack is conventional rather than proprietary: Vertafore's client portal (insurlink.vertafore.com) for insured policy access, ePayPolicy for premium payment processing, and a Thryv-hosted marketing website with a 'Digging Deeper' blog. There are no disclosed proprietary products, AI/ML capabilities, APIs, or patents. The company's competitive positioning rests on 60+ years of operational history, certified professionals (CIC, AU, CRIS, ACSR, AIAM designations), access to a broad multi-carrier roster (Travelers, CNA, Progressive, RLI, Zurich Builders Risk, Amerisure, AmTrust, AAA, Allied, Auto Owners), and affiliation with the MeWilson Top 100 Insurance Agency network. Ownership remains partner-led (L. Dale Waldorff, Partner; Jason Clark, Vice President; John Hays, CIO) with no external private equity, venture capital, or institutional investor backing indicated.

Name

Waldorff Insurance and Bonding

Legal name

Waldorff Insurance and Bonding

Website

https://waldorffinsurance.com

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

11–50 employees

Short description

Florida-based independent insurance agency founded in 1963, offering commercial insurance, contract bonding, employee benefits, and personal insurance through offices in Fort Walton Beach and Gainesville for construction contractors and small-to-mid-sized businesses.

Ownership category

akta.pro rank

Product category

Insurance Agency 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

Contractors BOP / Artisan Package (FSAJAFAD)

akta.pro secondary industry

Standalone Umbrella Liability (FSAJANAE)

Keywords

• Commercial insurance brokerage
• Contract bonding services
• Employee benefits brokerage
• Personal insurance agency
• Construction surety bonds

Headquarters

HQ city

Fort Walton Beach

HQ country

United States

HQ region

North America

Offices2 records

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 Commissions: As an independent insurance agency, Waldorff Insurance and Bonding earns commissions from insurance carriers for placing commercial insurance, personal insurance, employee benefits, and construction bonding policies on behalf of clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Waldorff Insurance and Bonding is an independent insurance agency that places commercial insurance, contract/surety bonds, employee benefits, and personal insurance policies on behalf of clients through multiple insurance carriers and A-rated, treasury-listed surety companies. The firm serves Florida-based contractors, businesses, employers, and individuals with customized coverage packages across property, liability, workers' compensation, business auto, group health, and personal lines.

Product overview

Waldorff Insurance and Bonding operates as an independent insurance agency offering four core product lines: Commercial Insurance, Contract Bonding, Employee Benefits, and Personal Insurance. Commercial Insurance includes Property Insurance, Commercial General Liability, Workers' Compensation, and Business Auto as sub-products. Contract Bonding encompasses Bid Bonds, Performance Bonds, and Payment Bonds for construction contractors. Employee Benefits provides Group Health Insurance along with Dental, Vision, Disability, 24/7 Virtual Doctor Visits, and Pet Insurance. Personal Insurance covers Auto and Homeowners insurance. The agency represents multiple insurance carriers and surety companies to provide customized coverage solutions for Florida businesses and individuals.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance Tailored commercial insurance packages for businesses covering buildings, business property, equipment, inventory, company vehicles, and group benefits for employees. Includes property, general liability, workers' compensation, business auto, and commercial umbrella coverage for small to mid-sized businesses across many industries.
• Contract Bonding Construction bonding services for contractors including bid bonds, performance bonds, payment bonds, joint venture bonding, and new company bonding. Representing A-rated, treasury-listed surety companies to provide bonding capacity for construction projects.
• Employee Benefits Group health insurance and employee benefits brokerage providing traditional and alternate funding group health plans, group term life, dental, vision, disability, 24/7 virtual doctor visits, pet insurance, and supplemental coverages. Includes plan design, claims analysis, implementation, and paperless enrollment coordination.
• Personal Insurance Personal lines insurance products for individuals and families including auto, motorcycle, and homeowners coverage with compulsory and optional coverages (bodily injury, PIP, uninsured motorist, property damage, collision, comprehensive, towing, underinsured motorist, home replacement guarantee, and replacement cost on contents).

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• MeWilsoncoreStrategic or Co-development PartnerMeWilson is the parent/network organization for Waldorff Insurance & Bonding. Waldorff is honored to be part of the Top 100 Insurance Agency network in the US. MeWilson provides company news and market updates resources.
• AAA InsuranceminorOthersInsurance carrier partner for claims processing. Customer service number: 888.929.4222
• Allied InsuranceminorOthersInsurance carrier partner for claims handling through Allied Insurance website.
• AmerisureminorOthersInsurance carrier partner with customer service line: 800.282.2743
• AmTrust Insurance CompanyminorOthersInsurance carrier partner for claims processing.
• Auto OwnersminorOthersInsurance carrier partner with customer service: 800.437.2240
• CNAminorOthersMajor insurance carrier partner with claims line: 877.262.2727
• TravelersminorOthersMajor insurance carrier partner for claims processing with dedicated line: 800.238.6225
• ProgressiveminorOthersInsurance carrier partner with separate client (800.282.2743) and agent (877.776.2436) lines.
• RLIminorOthersSurety/specialty insurance carrier partner with claims line: 800.444.0406
• Zurich Builders RiskminorOthersSpecialty carrier partner for builders risk insurance with line: 800.987.3373

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Regional players

• RPS (Risk Placement Services): Specialty wholesale broker and managing general agency with deep surety and construction lines expertise; comparable as a specialty placement partner and competitor for complex contractor bonding accounts.

Direct peers

• Insurance Office of America: Florida-headquartered independent insurance agency offering commercial, personal, surety, and benefits lines; one of the most direct regional competitors for Waldorff in the Florida SMB and contractor market.
• Foundation Risk Partners: Fast-growing independent insurance agency with strong construction and surety specialties; operates a multi-office model across Florida and the Eastern US, closely mirroring Waldorff's service mix and target segments.
• Hilb Group: Mid-market independent insurance brokerage acquiring regional agencies across the US, including construction and commercial specialty practices; directly comparable in target customer and acquisition-driven growth strategy.
• The Buckner Company: Independent insurance and surety agency with deep construction bonding expertise serving contractors across the Southeast, directly comparable to Waldorff's contractor-focused commercial and surety practice.
• Heffernan Insurance Brokers: Independent insurance brokerage with construction and surety practices serving mid-market and commercial clients; comparable in independent agency model, product breadth, and contractor focus.
• Cross Insurance: Regional independent insurance agency with strong construction and commercial surety capabilities in the Eastern US; closely comparable in producer-driven growth and multi-line product mix.

Broad incumbents

• AssuredPartners: National insurance brokerage built through acquiring regional independent agencies; significant Florida presence and broad commercial lines portfolio, comparable as a scaled consolidator competing for the same SMB and mid-market accounts.
• Brown & Brown Insurance: Large national independent insurance agency headquartered in Florida with broad commercial, personal, and benefits capabilities; represents a scaled version of Waldorff's independent agency model with overlapping carrier and product mix.
• McGriff Insurance (formerly BB&T Insurance Holdings): Large US insurance brokerage offering commercial, personal, surety, and employee benefits; comparable in multi-line product mix and regional Southeast presence, though at meaningfully greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Waldorff Insurance and Bonding