Kopec Insurance

What Kopec Insurance does

Kopec Insurance is a privately held, founder-owned independent insurance agency established in 2005 by Brian Kopec. The firm is headquartered in Ponce Inlet, Florida, with a secondary presence in Palm Coast, and serves discerning clients in Flagler and Volusia counties while servicing the entire state of Florida. Its core products are home and condo, auto and motorcycle, boat and watercraft, flood and excess flood, umbrella/excess liability (1-10 million limits), and a small commercial/business insurance line spanning auto, D&O, E&O, general liability, lessor's risk, professional liability, property, and tenant coverage.

The agency operates on an independent agency model, holding appointments with essentially every preferred carrier in Florida — including Progressive (where it holds Platinum Blue Agency status), ASI, Safeco, Travelers, Allstate, Nationwide, Liberty Mutual, MetLife, The Hartford, Farmers, Mercury, and a deep bench of Florida-specialist carriers such as Federated National, Frontline, American Integrity, Heritage, Security First, and UPC. A comparative rating system provides apples-to-apples multi-carrier quoting, enabling the agency to place coverage on both standard and nearly uninsurable risks including multi-million dollar coastal and private-island homes. Brian Kopec has served on advisory councils for ASI and Florida Peninsula, giving the firm product influence unusual for an agency of its size.

Kopec generates revenue through carrier commissions on placed policies, operating on a direct-to-consumer, relationship-based sales motion. The agency does no paid advertising — it suspended all paid media in 2009 and has run on referrals and word-of-mouth since — supplemented by community-specific landing pages, a Facebook presence, and owner's appearances on WNZF News Radio. Customer acquisition is hyperlocal, with a referral rewards program that donates to local causes. The team is family-led (Brian Kopec as owner, Steve Kopec as VP and Director of Operations, Rachael Kopec as Director of Business Development, and Braeden Kopec in client support) with 50+ years of combined insurance experience and a 97%+ client retention rate that substantially exceeds industry standard.

Name

Kopec Insurance

Legal name

Kopec Insurance

Website

https://kopec-insurance.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Kopec Insurance is a privately held, founder-owned independent insurance agency in Ponce Inlet, Florida, representing major national and Florida-specialist carriers to place home, auto, boat, flood, umbrella, and small business coverage for clients across Flagler, Volusia, and all of Florida.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Mixed-Use / Commercial Condominium BOP (FSAJAFAO), Personal Umbrella Insurance (FSAJANAA), Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Independent insurance agency
• Home insurance
• Auto insurance
• Flood insurance
• Commercial insurance

Headquarters

HQ city

Masontown

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, Kopec Insurance earns commissions from insurance carriers for policies placed. They represent essentially every preferred insurance company in Florida, many being the largest carriers in the United States. Revenue is generated through commissions on home, auto, boat, flood, umbrella, and business insurance policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Kopec Insurance is an independent insurance agency that places home, condo, auto, motorcycle, boat, flood, umbrella/excess liability, and small-business commercial insurance policies on behalf of clients by representing multiple preferred Florida and national carriers. The agency uses comparative rating software to deliver apples-to-apples coverage and price comparisons for discerning individual and small business customers in Florida.

Product overview

Kopec Insurance is an independent insurance agency operating as a single unified offering rather than a platform-plus-modules architecture. The agency provides a comprehensive portfolio of insurance products including Home & Condo Insurance, Auto & Motorcycle Insurance, Boat & Watercraft Insurance, Flood & Excess Flood Insurance, Umbrella/Excess Liability Insurance, and Business & Commercial Insurance. These products are supported by a comparative rating system that enables apples-to-apples comparisons across multiple carrier quotes. The agency also offers specialized coverage add-ons such as Jewelry, Art & Collectibles coverage and High Value Home Builder's Risk Policies. As an independent agency, they represent multiple insurance carriers rather than a single company, providing clients access to competitive options from the top insurers in Florida.

Differentiator

Problem solved

Functional benefit

Products and services

• Home & Condo Insurance Insurance coverage for homes and condos through financially strong carriers at competitive rates, covering primary, secondary, seasonal, and rental occupancies with features including Home Replacement Value Inspection, Increased Replacement Cost, Rebuilding to Code, Additional Living Expenses, and Valuable Items endorsements.
• Auto & Motorcycle Insurance Vehicle and motorcycle insurance using a comparative rating system that provides apples-to-apples comparison quotes from top insurance companies, with bundling options for home and auto.
• Boat & Watercraft Insurance Insurance coverage for boats and jet skis through top watercraft insurers, providing protection for both watercraft and operators including towing and assistance services.
• Flood & Excess Flood Insurance Stand-alone FEMA flood policies and excess flood policies for additional coverage beyond standard limits, particularly important for coastal properties within 1,000 feet of the Intracoastal.
• Umbrella / Excess Liability Insurance Additional Excess Liability coverage providing limits from 1 to 10 million dollars to protect against lawsuits exceeding standard homeowners or automobile policy liability limits.
• Business & Commercial Insurance Commercial insurance coverage types including Auto, Directors & Officers, Errors & Omissions, Flood & Excess Flood, General Liability, Lessor's Risk, Professional Liability, Property (Offices, Condo Associations), and Tenant coverage.

Quantifiable outcome

• 97%+ client retention rate, far above industry standard
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

23 partnerships are on record, tiered core, major and minor.

• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier represented by Kopec Insurance. Recognizes the agency as a Platinum Blue Agency, one of their top agencies in the country. Provides auto, umbrella/excess liability, boat, and home insurance products through the agency.
• ASI (American Strategic Insurance)coreChannel Partner/ Reseller/ DistributorPremier multi-state insurance company represented by the agency. Provides home and umbrella insurance coverage options.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented for auto, umbrella/excess liability, and watercraft coverage.
• Travelers InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier providing auto, umbrella/excess liability, and watercraft coverage through the agency.
• AllstatemajorChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented for home and auto insurance coverage.
• NationwidemajorChannel Partner/ Reseller/ DistributorNational insurance carrier providing home and auto insurance through the agency.
• Federated NationalmajorChannel Partner/ Reseller/ DistributorFlorida-focused insurance carrier providing home insurance coverage, one that has weathered many hurricanes.
• Frontline InsurancemajorChannel Partner/ Reseller/ DistributorInsurance carrier providing home insurance coverage for Florida properties.
• Monarch NationalmajorChannel Partner/ Reseller/ DistributorNational insurance carrier providing home insurance coverage for Florida properties.
• American Integrity Insurance GroupmajorChannel Partner/ Reseller/ DistributorFlorida-focused insurance carrier providing home insurance coverage.
• Bankers Insurance GroupmajorChannel Partner/ Reseller/ DistributorInsurance carrier providing home insurance coverage for Florida properties.
• Heritage InsurancemajorChannel Partner/ Reseller/ DistributorInsurance carrier providing home insurance coverage for Florida properties.
• Security First InsurancemajorChannel Partner/ Reseller/ DistributorFlorida-focused insurance carrier providing home insurance coverage.
• American Traditions Insurance CompanymajorChannel Partner/ Reseller/ DistributorInsurance carrier providing home insurance coverage for Florida properties.
• UPC InsurancemajorChannel Partner/ Reseller/ DistributorInsurance carrier providing flood and excess flood insurance coverage for coastal properties.
• Universal InsurancemajorChannel Partner/ Reseller/ DistributorInsurance carrier providing home insurance coverage for Florida properties.
• Farmers InsurancemajorChannel Partner/ Reseller/ DistributorMajor national insurance carrier represented for auto and motorcycle insurance coverage.
• The HartfordmajorChannel Partner/ Reseller/ DistributorInsurance carrier providing auto and motorcycle insurance coverage.
• Liberty Mutual InsurancemajorChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing auto and motorcycle insurance coverage.
• MetLifemajorChannel Partner/ Reseller/ DistributorInsurance carrier providing auto and motorcycle insurance coverage.
• Mercury InsurancemajorChannel Partner/ Reseller/ DistributorInsurance carrier providing auto and motorcycle insurance coverage.
• American Strategic Insurance (ASI) Agents Advisory CouncilminorStrategic or Co-development PartnerBrian Kopec served on American Strategic Insurance Company's Agents Advisory Council in 2012 and 2013, providing input on agency-carrier relationships and product development.
• Florida Peninsula Insurance Company Agency Advisory CouncilminorStrategic or Co-development PartnerBrian Kopec served on Florida Peninsula Insurance Company's Agency Advisory Council in 2012, providing strategic input on agency operations and carrier relationships.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Brown & Brown, Inc. Large Florida-headquartered insurance brokerage and agency operator with national scale across personal and commercial lines. Comparable independent brokerage role but at vastly greater scale and product breadth than Kopec.
• Hub International Limited: Global insurance brokerage representing multiple carriers across personal, commercial, and specialty lines. Comparable independent brokerage function, especially in personal lines placement, but operates at enterprise scale across many geographies.

Direct peers

• Goosehead Insurance: Independent insurance agency that represents multiple carriers and distributes home, auto, and umbrella coverage through a distributed agent model. Closely comparable multi-carrier independent agency structure serving personal lines clients.
• Insurance Office of America: Florida-headquartered independent insurance agency offering personal and commercial lines through multiple carrier relationships. Comparable independent agency operating model with similar multi-carrier placement, though at significantly larger scale.
• Brightway Insurance: Florida-headquartered independent insurance agency franchise offering home, auto, and small commercial coverage through multiple carriers. Directly comparable independent agency model with similar multi-carrier placement approach and Florida market focus.
• Heffernan Insurance Brokers: Independent insurance brokerage offering personal and commercial lines through multiple carrier partners. Directly comparable independent agency model emphasizing consultative, relationship-driven service and multi-carrier placement.
• We Insure: Florida-based independent insurance agency franchise offering home, auto, flood, and small business coverage through multiple carriers. Directly comparable independent agency model with overlapping Florida geographic focus and personal lines product mix.

Emerging players

• RPS (Risk Placement Services): Specialty insurance brokerage and wholesale placement firm with strong presence in coastal and high-value property markets. Comparable in coastal property placement expertise and ability to handle hard-to-place risks like Florida oceanfront homes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/KopecInsuranceFlorida
• LinkedInlinkedin.com/company/kopec-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Kopec Insurance