Fort Myers Beach

What Fort Myers Beach does

Fort Myers Beach Insurance Agency (FMBIB) is an independent insurance brokerage founded in 1991 and headquartered at 6051 Estero Blvd #4, Fort Myers Beach, Florida. The agency sells personal and commercial insurance products — including auto, homeowners, flood (via NFIP), mobile home, renters, recreational vehicle, boat, umbrella, commercial general liability, commercial property, and commercial auto — through agent-mediated phone, walk-in, and website quote channels. It holds 10 carrier appointments with UPC Insurance, Edison Insurance, Florida Peninsula, Universal Insurance, Velocity Risk Underwriters, Florida Family, Cabrillo Pacific, J&J Insurance, IAT Insurance Group, and TypTap Insurance, with Vickie Audette serving as Principal 220 Agent.

The firm operates a standard independent-agency technology footprint: a Wix-hosted website with online quote forms and CRM-style lead capture, supplemented by a Facebook presence, with no proprietary technology platforms, mobile applications, or APIs disclosed. Core operations revolve around human agents translating customer needs into quotes across multiple carriers.

FMBIB earns commission revenue on every policy bound through its carrier partners; premiums are quote-based and billed monthly. The firm is privately held, locally owned, with no disclosed institutional investment, parent company, M&A activity, or funding rounds. It serves two primary customer segments: individual and family personal-lines buyers in coastal Florida (with particular depth in mandatory flood insurance for the Special Flood Hazard Area covering the entire Town of Fort Myers Beach) and small businesses in the Fort Myers Beach area requiring commercial coverage.

Name

Fort Myers Beach

Legal name

Fort Myers Beach Insurance

Website

https://fmbib.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Fort Myers Beach Insurance Agency (FMBIB) is an independent insurance brokerage in Fort Myers Beach, Florida, selling personal and commercial policies across 10 carrier partners to coastal residents and small businesses.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), All Other Insurance Related Activities (524298)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industries

Full-Coverage Personal Auto Insurance (FSAJAAAF), Personal Umbrella Insurance (FSAJANAA)

Keywords

• Personal insurance agency
• Commercial insurance broker
• Flood insurance
• Coastal property insurance
• Independent insurance agent

Headquarters

HQ city

Fort Myers Beach

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

Revenue model

1. Insurance Commissions: As an independent insurance agency/broker, FMBIB earns commissions from insurance carriers (UPC Insurance, Edison Insurance Company, Florida Peninsula Insurance Company, Universal Insurance, Velocity Risk Underwriters, Florida Family Insurance, Cabrillo Pacific Insurance Services, J&J Insurance, IAT Insurance Group, TypTap Insurance) when they sell policies to customers. Commission-based revenue model typical of independent insurance agencies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Fort Myers Beach Insurance Agency is an independent insurance agency founded in 1991 in Fort Myers Beach, Florida, representing multiple insurance carriers to offer personal lines (auto, homeowners, flood, mobile home, renters, boat, recreational vehicle) and commercial lines (general liability, property, auto) insurance products to consumers and small businesses in coastal Southwest Florida.

Product overview

Fort Myers Beach Insurance Agency (FMBIB) operates as an independent insurance brokerage offering a unified platform of personal and commercial insurance products through multiple carrier partnerships. The core personal insurance offerings include Auto/Motorcycle Insurance (including high-risk/SR-22), Homeowners Insurance, Flood Insurance (via NFIP), Mobile Home Insurance, Renters Insurance, Recreational Vehicle Insurance, Boat Insurance, and Umbrella Coverage as an add-on. Commercial insurance products include Commercial General Liability, Commercial Property Insurance, and Commercial Auto Insurance. The agency connects customers with top-rated insurance providers and represents 10 insurance partners including UPC Insurance, Edison Insurance Company, Florida Peninsula Insurance Company, Universal Insurance, Velocity Risk Underwriters, Florida Family Insurance, Cabrillo Pacific Insurance Services, J&J Insurance, IAT Insurance Group, and TypTap Insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto / Motorcycle Insurance

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• UPC InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB. Provides personal and commercial insurance products that FMBIB sells to customers in Fort Myers Beach area.
• Edison Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB. Provides insurance products that FMBIB sells to customers.
• Florida Peninsula Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB. Florida-focused insurance provider for personal lines.
• Universal InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB for various insurance products.
• Velocity Risk UnderwriterscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB for specialty risk products.
• Florida Family InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB, providing family-focused insurance products.
• Cabrillo Pacific Insurance Services, LLCminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB.
• J&J InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB.
• IAT Insurance GroupminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB.
• TypTap InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by FMBIB for specialty insurance products.

Recent moves5 records

Expansion highlights3 records

Direct peers

• Brightway Insurance: Florida-headquartered independent insurance franchise agency that sells home, auto, and commercial coverage through multiple carrier partners. Highly comparable as a Florida-rooted, multi-carrier independent retail agency competing for the same coastal residential and SMB customers.
• Goosehead Insurance: Independent insurance agency franchisor selling personal and commercial lines through carrier partnerships. Comparable business model of multi-carrier distribution, though Goosehead operates a franchise system rather than a single local office.
• Insurance Office of America: Large Florida-based independent insurance agency offering personal, commercial, and employee benefits across multiple carriers. Direct peer in the Florida independent brokerage segment, with similar coastal-property expertise though at much greater scale.

Broad incumbents

• State Farm (captive agent network): Largest U.S. personal lines insurer operating through captive agents. Competes directly with FMBIB for auto and homeowners customers in Fort Myers Beach, but only offers State Farm products rather than a multi-carrier independent shelf.
• Brown & Brown, Inc. One of the largest U.S. insurance brokerages, headquartered in Florida, with deep retail and P&C brokerage operations. Comparable as a Florida-based P&C independent broker/distributor, though operating at substantially greater scale and geographic breadth.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with significant retail and P&C brokerage operations. Comparable independent intermediary model serving personal/commercial clients, but at far larger scale and with institutional customers.
• HUB International: Major North American insurance brokerage offering personal and commercial lines through carrier relationships. Comparable independent brokerage model, but with national scale and a broader product and risk-management portfolio than FMBIB.
• Marsh McLennan: Global insurance brokerage and advisory firm (Marsh). Comparable as an insurance intermediary placing P&C coverage, though oriented toward large commercial and specialty risks rather than retail coastal homeowners.
• Aon: Global insurance and reinsurance brokerage. Comparable insurance intermediary function, but focused on large commercial and specialty placements rather than the personal-coastal retail customer base FMBIB serves.
• Allstate (captive agent network): National personal lines insurer with a captive agent distribution channel in Florida. Directly competes with FMBIB for auto and home customers but is single-carrier versus FMBIB's multi-carrier independent model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/Fort-Myers-Beach-Insurance-105940650801911

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 Fort Myers Beach