Tami Karol Insurance

What Tami Karol Insurance does

Tami Karol Insurance is an independent insurance agency founded in 2003 by Tami Karol and headquartered in a single office in the Sawgrass Business Center in Stuart, Florida. The agency represents 30+ insurance carriers — including national names such as Progressive, Nationwide, Travelers, and Allied, as well as Florida-focused carriers like Citizens, American Integrity, Heritage, and Security First — to place personal lines (auto, homeowners, flood, boat/RV/motorcycle, teen driver) and commercial lines (general liability, commercial buildings, commercial vehicles and fleet, workers' compensation) for individuals and small businesses primarily across Martin, Palm Beach, St. Lucie, and Indian River counties.

The agency operates a sales-led go-to-market model combining direct phone and in-person sales from its Stuart office, website quote requests, Realtor referral partnerships, and community engagement (sponsorships of local schools, youth sports, and nonprofits; teen driver safety seminars). It earns commission revenue from carriers on policies sold and serviced, and offers free quote consultations without publicly disclosing pricing. Technology is limited to standard industry agency management systems used to quote and service across multiple carrier platforms; no proprietary technology, AI, or API integrations are disclosed.

The agency's customer base is distributed across personal and small commercial clients with no enterprise anchor accounts. The agency supplements its core brokerage activity with disaster preparation and hurricane-readiness educational resources tailored to Florida coastal exposures. It is privately held by its founder, has no disclosed funding, parent company, subsidiaries, M&A activity, patents, or awards.

Name

Tami Karol Insurance

Legal name

Tami Karol Insurance

Website

https://tkarol.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Tami Karol Insurance is an independent insurance agency in Stuart, Florida, founded in 2003, representing 30+ carriers to provide personal and commercial insurance to individuals and small businesses across the Florida Treasure Coast.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAMAA

Personal Auto Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

SECONDARYTLABANAA

Commercial Auto & Fleet Liability Insurance (Primary)

Transportation & Logistics/Fleet Leasing, Rental & Management/Fleet Insurance, Risk & Accident Management (Claims, Loss Control)

Keywords

• Personal insurance lines
• Commercial insurance brokerage
• Independent insurance agency
• Multi-carrier insurance
• Florida insurance services

Headquarters

HQ city

Stuart

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: The agency earns commissions from multiple insurance carriers (including Allied, American Integrity, Citizens, Progressive, Nationwide, Travelers, and 25+ others) for policies sold and serviced. Revenue is generated from personal lines (auto, homeowners, flood, boat/RV/motorcycle) and commercial lines (general liability, commercial buildings, commercial vehicles, fleet insurance, worker's compensation).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Tami Karol Insurance is an independent insurance agency that sells personal and commercial insurance policies on behalf of more than 30 insurance carriers. The agency provides auto, homeowners, flood, teen driver, boat/RV/motorcycle, Realtor-focused, and commercial insurance (general liability, commercial buildings, commercial vehicles, fleet, and worker's compensation) to individual consumers and small businesses across Florida.

Product overview

Tami Karol Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency provides seven core insurance products: Auto Insurance, Teen Drivers Insurance, Homeowners Insurance, Flood Insurance, Realtors Insurance, Boat/RV/Motorcycle Insurance, and Commercial Insurance. These products can be purchased individually or combined into customized packages. The agency also offers complementary disaster preparation resources including hurricane guides and downloadable disaster planning checklists. As an independent agency, Tami Karol Insurance represents multiple insurance carriers to provide competitive options tailored to customer needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal automobile insurance coverage for vehicles, providing liability and property protection for individual drivers and families, sourced from multiple carrier partners.
• Teen Drivers Insurance Specialized insurance solutions designed for youthful or inexperienced drivers, often with higher risk profiles, paired with teen driver safety education.
• Homeowners Insurance Property insurance coverage protecting homeowners against damage to their residence and personal belongings, sourced from multiple carrier partners including Florida-specialist carriers.
• Flood Insurance Specialized coverage for flood damage, provided through FEMA's National Flood Insurance Program (NFIP) and private flood carriers such as American Bankers Flood.
• Realtors Insurance Insurance services tailored for real estate professionals, including E&O coverage and business insurance solutions, with quick quote turnaround to support real estate closings.
• Boat, RV & Motorcycle Insurance Specialized recreational vehicle insurance covering boats, jet skis, motorcycles, motor-homes and similar vehicles, available as standalone or combined policies.
• Commercial Insurance Business insurance solutions including general liability, commercial buildings, commercial vehicles, fleet insurance, and worker's compensation, packaged for Florida small businesses.

Quantifiable outcome

• Customers report saving $500-$600+ annually on insurance premiums
• +1 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

37 partnerships are on record, tiered core and minor.

• AlliedcoreOthersMajor national insurance carrier providing property and casualty coverage through the independent agency channel. Claim line: 1-800-421-3535
• American IntegritycoreOthersFlorida-focused insurance carrier. Claim line: 1-866-277-9871
• American TraditionscoreOthersInsurance carrier serving Florida market. Claim line: 1-866-270-8430
• Citizens Property InsurancecoreOthersFlorida's government-chartered insurance provider for high-risk properties. Claim line: 1-866-411-2742
• ProgressivecoreOthersMajor national auto and home insurance carrier. Claim line: 1-800-274-4499
• NationwidecoreOthersLarge national insurance carrier offering personal and commercial coverage. Claim line: 1-800-421-3535
• TravelerscoreOthersLeading commercial and personal insurance carrier. Claim line: 1-800-252-4633
• Tower HillcoreOthersRegional carrier serving Florida. Claim line: 1-800-216-3711
• Florida Peninsula InsuranceminorOthersFlorida-focused homeowner's insurance carrier. Claim line: 1-877-994-8368
• EdisonminorOthersInsurance carrier. Claim line: 1-866-568-8922
• FederatedminorOthersInsurance carrier. Claim line: 1-800-293-2532
• GainscominorOthersInsurance carrier. Claim line: 1-866-424-6726
• Mercury InsuranceminorOthersInsurance carrier. Claim line: 1-800-503-3724
• SafecominorOthersLiberty Mutual subsidiary. Claim line: 1-800-332-3226
• Southern Oak InsuranceminorOthersFlorida-focused insurer. Claim line: 1-877-900-2280
• American Bankers FloodminorOthersFlood insurance carrier. Claim line: 1-800-759-8656
• FEMA / National Flood Insurance ProgramminorOthersFederal flood insurance program. Claim line: 1-800-427-4661
• Anchor InsuranceminorOthersInsurance carrier. Claim line: 1-877-382-9169
• AvatarminorOthersInsurance carrier. Claim line: 1-877-233-3237
• ASI / ARK RoyalminorOthersInsurance carrier. Claim line: 1-866-274-5677
• Elements (Epic)minorOthersInsurance carrier. Claim line: 1-866-709-8749
• Florida Specialty InsuranceminorOthersFlorida-focused specialty insurer. Claim line: 1-866-554-5896
• FrontlineminorOthersInsurance carrier. Claim line: 1-866-673-0623
• Geovera / USF&GminorOthersInsurance carrier. Claim line: 1-800-631-6478
• GulfstreamminorOthersInsurance carrier. Claim line: 877-254-6819
• Heritage InsuranceminorOthersInsurance carrier. Claim line: 1-855-415-7120
• Homeowner's Choice / HomeWiseminorOthersInsurance carrier. Claim line: 1-866-324-3138
• Mount Beacon InsuranceminorOthersInsurance carrier. Claim line: 844-883-3927
• OlympusminorOthersInsurance carrier. Claim line: 1-866-281-2242
• OrchidminorOthersInsurance carrier. Claim line: 1-866-370-6505 X606
• Security FirstminorOthersFlorida-focused insurer. Claim line: 1-877-581-4862
• Southern FidelityminorOthersInsurance carrier. Claim line: 1-866-722-4995
• St Johns InsuranceminorOthersInsurance carrier. Claim line: 1-877-748-2059
• United InsuranceminorOthersInsurance carrier. Claim line: 1-800-861-4370
• Universal of North AmericaminorOthersInsurance carrier. Claim line: 1-866-999-0898
• Universal PropertyminorOthersInsurance carrier. Claim line: 1-800-218-3206
• Victoria Auto InsuranceminorOthersAuto insurance carrier. Claim line: 1-800-926-3168

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Market position

Competitive moat3 records

Key risks1 record

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Tami-Karol-Insurance-116105178420295

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 Tami Karol Insurance