TopLine Insurance
TopLine Insurance Agency LLC is a Florida-licensed independent P&C insurance agency that places personal and commercial coverage with 50+ carrier partners for Florida households and small-to-medium businesses, including a niche specialty in dump truck commercial insurance.
- Company typePrivate
- Founded2019
- HeadquartersDeerfield Beach, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What TopLine Insurance does
TopLine Insurance Agency LLC is an independent Florida-licensed property & casualty insurance agency (Florida Agency License L096500) founded in 2019 and headquartered in Saint Johns, FL, with an additional Deerfield Beach, FL presence. The agency sells both personal and commercial lines, including homeowners (HO3 and landlord DP3), condo, renters, mobile home, flood, auto, boats, RVs, motorcycles, plus commercial products such as Business Owners Policy, general liability, commercial property, commercial auto, workers' compensation, cyber liability, and a specialty dump-truck niche. It does not underwrite risk itself; rather, it earns commissions by placing customers with one of 50+ carrier partners, including Chubb, Citizens, Nationwide, Progressive, Travelers, and multiple Florida-domiciled carriers plus NFIP flood carriers.
Distribution is sales-led and phone-centric: licensed agents quote and bind through dedicated numbers (personal lines at 561-599-5800, commercial at 561-376-2962, customer service at 561-235-7005) augmented by website-based quote forms and a self-service TopLine365 portal for commercial customer certificates. There is no proprietary technology platform disclosed beyond the website and portal, no AI tooling referenced, no funding rounds identified, and no parent-company or institutional ownership in the record; the firm operates as a founder-led (Nick Ferlanti, Agency Principal) Florida LLC.
The customer base is bifurcated between individual Florida households seeking coverage against hurricane and flood exposure and small-to-medium Florida businesses, with a further specialization into dump-truck owner-operators and contractors. Geographic scope is single-state (Florida, USA), and the company's competitive position rests on carrier-panel breadth, Florida-market specialization in a market where multiple carriers have non-renewed P&C exposure, and agency-accessibility (multiple phone lines, founder-led brand presence on Trustpilot, BBB, Instagram, Facebook, and LinkedIn).
TopLine Insurance firmographics
Firmographics- Name
- TopLine Insurance
- Legal name
- TopLine Insurance Agency LLC
- Website
- https://toplineinsurance.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- TopLine Insurance Agency LLC is a Florida-licensed independent P&C insurance agency that places personal and commercial coverage with 50+ carrier partners for Florida households and small-to-medium businesses, including a niche specialty in dump truck commercial insurance.
- Ownership category
- akta.pro rank
TopLine Insurance industry classification
Industry- Product category
- Insurance Agency Services (Personal and Commercial Lines)
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
- akta.pro secondary industry
- Commercial Lines Insurance Brokerage (FSAEADAB)
Keywords
Where TopLine Insurance is headquartered
LocationHeadquarters
- HQ city
- Deerfield Beach
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
TopLine Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Insurance Commission Revenue: TopLine Insurance operates as an independent insurance agency, earning commissions from multiple insurance carriers for policies sold to customers. The company works with over 50 insurance carrier partners including AllRisks, American Integrity, Chubb, Citizens, Nationwide, Progressive, and others to provide insurance options to both personal and commercial customers in Florida.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based pricing tailored to individual customer needs |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
TopLine Insurance product offering
Product offeringCore offering
TopLine Insurance is a Florida-based independent insurance agency that sells and services personal and commercial insurance policies on behalf of more than 50 carrier partners. Licensed agents shop multiple carriers to deliver customized coverage quotes for homeowners, condo, renters, mobile home, flood, auto, recreational vehicles, and a range of commercial lines including Business Owner's Policy, commercial property, general liability, workers' compensation, commercial auto, and dump truck insurance.
Product overview
TopLine Insurance is a Florida-based insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The personal lines portfolio includes Homeowners Insurance (HO3 and DP3 policies), Condo Insurance, Renters Insurance, Mobile Home Insurance, Flood Insurance, Auto/Car Insurance, and Toys Insurance (covering boats, RVs, and motorcycles). The commercial lines portfolio encompasses Business Owner's Policy (BOP), Commercial Cyber Security Insurance, Commercial Property Insurance, Commercial General Liability Insurance, Workers' Compensation Insurance, Commercial Auto Insurance, and Dump Truck Insurance. Specialty Insurance products include general liability for various professions, builders risk, and vacant home coverage. The company operates as an independent insurance agency that works with multiple carrier partners to provide customized coverage solutions. A self-service TopLine365 Commercial Customer Portal provides 24-hour access to certificates of insurance for commercial customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowners Insurance Homeowners insurance product offering HO3 and DP3 policies covering dwelling, other structures, personal property, loss of use, personal liability, and visitor medical expenses for single-family homes; landlord property protection for rental homes.
- Condo Insurance Walls-in coverage for condo units protecting interior, fixtures, appliances, personal property, personal liability, and medical liability.
- Renters Insurance Insurance covering personal property for renters including computers, electronics, furniture, and clothing, with coverage for fire, smoke, water damage, and burglaries.
- Mobile Home Insurance Specialized mobile/manufactured home policy covering dwelling, belongings, additional living expenses, other structures, personal liability, and medical payments.
- Flood Insurance Coverage for flood damage including appliances, heating/electrical/plumbing systems, window treatments, carpets, detached garage, foundation, walls, and personal property.
- Auto/Car Insurance Vehicle insurance covering property damage, liability, medical expenses, with optional collision, comprehensive, and glass coverage.
- Specialty Insurance Package including general liability for professions (real estate, consulting, contracting, IT, beauty), builders risk insurance, and vacant home insurance.
- RV Insurance Recreational vehicle coverage for RVs, camper vans, and trailers including liability, collision, personal effects, vacation liability, emergency expenses, and uninsured motorist coverage.
- Boat Insurance Watercraft coverage for boats including physical damage, liability, medical payments, uninsured boater, towing, personal effects, and fuel spill liability.
- Motorcycle Insurance Insurance for motorcycles, mopeds, scooters, ATVs, and UTVs covering liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.
- Business Owners Policy (BOP) Bundled commercial insurance package combining general liability, commercial property, and business interruption insurance for businesses.
- Commercial Cyber Security Insurance Cyber liability insurance protecting businesses from cyberattacks and data breaches, covering first-party costs (breach response, business interruption, data recovery, ransomware) and third-party legal expenses.
- Commercial Property Insurance Business property coverage for buildings, tools, equipment, inventory, furniture, fixtures, signage, fencing, and loss of income due to covered property damage.
- Commercial General Liability Insurance Business liability coverage for bodily injury, property damage, personal/advertising injury, and legal fees resulting from business operations.
- Workers' Compensation Insurance Workers' comp coverage for job-related injuries including medical expenses, wage replacement, rehabilitation, disability compensation, and survivor benefits.
- Commercial Auto Insurance Business vehicle insurance covering medical payments, physical damage, accident liability, and uninsured motorists for company vehicles.
- Dump Truck Insurance Specialized commercial truck insurance for dump trucks covering bodily injury liability, property damage, physical damage, and uninsured motorist coverage.
Companies that use TopLine Insurance
Customer profileSegments3 records
Ideal customer profiles2 records
TopLine Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
TopLine Insurance partnerships and signals
Strategic signalPartnerships
45 partnerships are on record, tiered minor and core.
- AllRisksminorInsurance carrier partner. Claims phone: 855.443.0307. TopLine Insurance provides access to AllRisks insurance products through their agency.
- American IntegrityminorInsurance carrier partner. Claims phone: 866.277.9871. Part of TopLine's network of insurance carriers for Florida homeowners.
- American MobileminorInsurance carrier partner for mobile home coverage. Claims phone: 844.631.7819.
- American Traditions - Modern USAminorInsurance carrier partner. Claims phone: 866.270.8430.
- AmwinsminorInsurance carrier partner. Claims phone: 404-751-4390.
- Appalachian UnderwritersminorInsurance carrier partner. Claims phone: 954.316.3198.
- Assurance AmericaminorInsurance carrier partner. Claims phone: 888-580-8134.
- Attune (Commercial Division)minorCommercial insurance carrier partner. Claims phone: 888.530.4651.
- BankersminorInsurance carrier partner. Claims phone: 727.308.0496.
- BassminorInsurance carrier partner. Claims handled via online portal.
- Bristol WestminorInsurance carrier partner. Claims phone: 800.274.7865.
- Centauri InsuranceminorInsurance carrier partner. Claims phone: 877.234.4401.
- ChubbcorePremium insurance carrier partner known for high-value property and casualty coverage. Claims phone: 800.252.4670. Chubb is one of the more prestigious carriers in TopLine's network.
- CitizenscoreCitizens Property Insurance Corporation - Florida's state-run insurer of last resort. Claims phone: 866.411.2742. Important carrier for Florida coastal and high-risk properties.
- CRC GroupminorInsurance carrier partner. Claims phone: 888.450.7590.
- Edison InsuranceminorInsurance carrier partner. Claims phone: 866-549-9672.
- Embark GeneralminorInsurance carrier partner. Claims phone: 800.809.5747.
- FedNatminorInsurance carrier partner. Claims phone: 800.293.2532.
- Florida PeninsulaminorFlorida-based insurance carrier partner. Claims handled via website.
- Foremost InsuranceminorInsurance carrier partner specializing in specialty and mobile home coverage. Claims phone: 800.527.3907.
- GeoVeraminorInsurance carrier partner. Claims phone: 800-631-6478.
- Granada InsuranceminorInsurance carrier partner. Claims phone: 800.392.9966.
- Homeowners ChoiceminorInsurance carrier partner. Claims phone: 866.324.3138.
- Infinity (Kemper Auto)minorAuto insurance carrier partner. Claims phone: 800.353.6737.
- MercuryminorInsurance carrier partner known for affordable auto coverage. Claims phone: 800.503.3724.
- National General (Beyond Floods)minorFlood insurance carrier partner. Claims phone: 833.303.2716.
- National General (NFIP)coreNational Flood Insurance Program carrier partner. Claims phone: 888-598-0296. Essential for Florida homeowners in flood-prone areas.
- NationwidecoreMajor national insurance carrier partner. Claims phone: 800.421.3535. Provides a wide range of personal and commercial insurance products.
- NeptuneminorFlood insurance carrier partner. Claims phone: 727.202.4815.
- Olympus InsuranceminorInsurance carrier partner. Claims phone: 800-711-9386.
- Orchid InsuranceminorInsurance carrier partner. Claims phone: 772.237.8531.
- People's Trust InsuranceminorFlorida-based insurance carrier partner. Claims phone: 561-609-1002.
- ProgressivecoreMajor national auto insurance carrier. Claims phone: 800.776.4737. One of TopLine's key auto insurance carrier partners.
- RT SpecialtyminorInsurance carrier partner. Claims phone: 312.784.6001.
- SageSureminorInsurance carrier partner. Claims phone: 866.311.7243.
- Slide InsuranceminorInsurance carrier partner. Claims phone: 866.230.3758.
- Southern OakminorInsurance carrier partner. Claims phone: 877.900.2280.
- SwyfftminorInsurance carrier partner. Claims phone: 877.799.3389.
- TapcominorInsurance carrier partner. Claims phone: 800.334.5579.
- TravelerscoreMajor national insurance carrier. Provides comprehensive personal and commercial insurance products through TopLine agency.
- TypTapminorInsurance carrier partner. Claims phone: 844.289.7968.
- Universal North AmericaminorInsurance carrier partner. Claims phone: 866.999.0898.
- Universal Property & CasualtyminorInsurance carrier partner. Claims phone: 800.470.0599.
- VyrdminorInsurance carrier partner. Claims phone: 844.217.6993.
- Wright FloodminorFlood insurance carrier partner. Claims phone: 800.725.9472. Important for Florida coastal properties.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
TopLine Insurance competitors and assessment
Company assessmentDirect peers
- Hilb Group: National middle-market insurance brokerage built via acquisition of independent agencies across the U.S.; provides a relevant comp for what an institutionalized, scaled-up version of TopLine could look like as a roll-up target.
- The Baldwin Group: Florida-headquartered insurance advisory firm (formerly Baldwin Krystyn Sherman) focused on personal, commercial, and employee benefits — direct Florida competitor with comparable carrier-broker model and cross-sell strategy.
- Higginbotham: Texas-based independent insurance brokerage that has expanded across the South, offering personal, commercial, and employee benefits through a multi-carrier model — directly analogous growth playbook to TopLine's Florida-centric agency approach.
- FrankCrum Insurance: Florida-based independent agency focused on workers' comp, BOP, and commercial lines; comparable Florida market presence and commercial product emphasis to TopLine's commercial book.
- Insurance Office of America: Florida-headquartered independent insurance agency offering personal and commercial lines through multiple carrier partners; comparable business model and Florida market focus to TopLine but at significantly larger scale.
- Foundation Insurance of Florida: Small Florida-focused independent agency offering personal lines including flood and homeowners — closely comparable in scale, geography, and product mix to TopLine.
Broad incumbents
- Hub International: Major North American insurance brokerage offering personal and commercial lines through regional offices; relevant as a broader incumbent that competes for the same Florida SMB and household customers, particularly in coastal counties.
- Brown & Brown Insurance: Large publicly traded Florida-headquartered insurance broker with national reach; competes in the same Florida personal and commercial markets as TopLine, though at vastly greater scale and with a much broader product set.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with significant Florida retail operations; competes for the same commercial accounts and high-net-worth personal clients TopLine serves.
Emerging players
- Lemonade: Digital-first direct-to-consumer insurance carrier expanding into homeowners and renters; represents the structural threat TopLine faces from technology-enabled competitors bypassing independent agents entirely.
Market position
Strengths3 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
TopLine Insurance social profiles
Digital presenceTopLine Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
TopLine Insurance leadership team
Management profileNumber of profiles
Profiles1 record
TopLine Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TopLine Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TopLine Insurance
What does TopLine Insurance do?
TopLine Insurance is a Florida-based independent insurance agency that sells and services personal and commercial insurance policies on behalf of more than 50 carrier partners. Licensed agents shop multiple carriers to deliver customized coverage quotes for homeowners, condo, renters, mobile home, flood, auto, recreational vehicles, and a range of commercial lines including Business Owner's Policy, commercial property, general liability, workers' compensation, commercial auto, and dump truck insurance.
Is TopLine Insurance a public or private company?
TopLine Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was TopLine Insurance founded?
TopLine Insurance was founded in 2019. It employs 11 to 50 people.
Where is TopLine Insurance based?
TopLine Insurance is headquartered in Deerfield Beach, United States, in the North America region.
How does TopLine Insurance make money?
One revenue line is on record: insurance Commission Revenue.
Who are TopLine Insurance's main competitors?
Direct peers on record are Hilb Group, The Baldwin Group, Higginbotham, FrankCrum Insurance, Insurance Office of America and Foundation Insurance of Florida. Broad incumbents are Hub International, Brown & Brown Insurance and Arthur J. Gallagher & Co.. Lemonade is listed as an emerging player.
Does TopLine Insurance have an API?
No public API is recorded for TopLine Insurance.
What industry is TopLine Insurance in?
TopLine Insurance's product category is Insurance Agency Services (Personal and Commercial Lines). Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage, with a secondary code of FSAEADAB, Commercial Lines Insurance Brokerage. Its NAICS code is 52421 and its SIC code is 6411.