State Insurance USA

What State Insurance USA does

State Insurance USA is an independent insurance agency founded in 2005 and headquartered in Fort Myers, Florida. The firm sells personal and commercial insurance lines as a broker, representing multiple top-rated insurance carriers rather than underwriting its own policies. Its personal lines portfolio spans auto, homeowners, flood, boat, RV, motorcycle, umbrella, rental property, renters, condo, and mobile home insurance, while its commercial book includes business, property, professional liability, general liability, workers compensation, cyber liability, and surety bonds coverage. Revenue is generated through carrier commissions on placed policies, with no disclosed subscription or proprietary technology layer supporting the operation.

Name

State Insurance USA

Legal name

State Insurance USA

Website

https://stateinsuranceusa.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAAAA

Standard Personal Auto Insurance (Liability, Collision & Comprehensive)

Financial & Insurance/Insurance — Motor, Property & Casualty/Personal Auto Insurance

SECONDARYFSAJACAA

Homeowners Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Property Insurance (Homeowners, Renters & Commercial Property)

SECONDARYFSAJADAD

Public Liability (Premises/Operations)

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

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance coverage
• Flood insurance policies
• Insurance brokerage services

Headquarters

HQ city

Fort Myers

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Commissions: State Insurance USA operates as an independent insurance agency/broker earning commissions from multiple insurance carriers for placing personal and commercial insurance policies. Revenue is generated through policy premiums paid by customers, with the agency receiving a percentage commission from carriers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

State Insurance USA is an independent insurance agency that places personal and commercial insurance policies on behalf of customers with multiple top-rated insurance carriers. The agency operates physical offices across Southwest Florida and offers a portfolio spanning auto, homeowners, flood, boat, RV, motorcycle, umbrella, rental property, renters, condo, and mobile home insurance for individuals, plus business, property, professional liability, general liability, workers compensation, cyber liability, and surety bond coverage for businesses.

Product overview

State Insurance USA is an independent insurance agency serving Southwest Florida that offers a unified portfolio of personal and commercial insurance products. The personal insurance portfolio includes auto insurance, homeowners insurance, boat insurance, RV insurance, flood insurance, motorcycle insurance, umbrella insurance, rental property insurance, renters insurance, condo insurance, and mobile home insurance. The business insurance portfolio includes business insurance, property insurance, professional liability insurance, general liability insurance, workers compensation insurance, cyber liability insurance, and surety bonds insurance. The agency operates as a traditional insurance brokerage, connecting customers with multiple insurance carriers to provide customized coverage solutions rather than a single proprietary insurance platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage protecting drivers against accidents, liability, collision, comprehensive damage, and uninsured motorist risks. Targeted at individual drivers and families in Southwest Florida.
• Homeowners Insurance Coverage for dwelling, detached structures, personal belongings, personal liability, and loss-of-use following covered losses. Targeted at Southwest Florida homeowners, including coastal properties.
• Boat Insurance Protection for watercraft, motors, trailers, and liability coverage for boat owners in Southwest Florida.
• RV Insurance Coverage for recreational vehicles including motorhomes, travel trailers, and camper vans.
• Flood Insurance (Personal) Coverage for flood damage including rising water, storm surge, and heavy rainfall accumulation, available through FEMA/NFIP and private insurers. Targeted at homeowners and renters in Florida flood-prone zones.
• Motorcycle Insurance Coverage for motorcycles including liability, collision, comprehensive, and uninsured motorist protection.
• Umbrella Insurance Additional liability coverage extending beyond standard policy limits for personal protection.
• Rental Property Insurance Coverage for landlords protecting rental properties against damage and liability risks.
• Renters Insurance Coverage for personal belongings and liability for individuals renting apartments or homes.
• Condo Insurance Protection for condominium owners covering interior structure, personal property, and liability.
• Mobile Home Insurance Specialized coverage for mobile and manufactured homes.
• Business Insurance Comprehensive commercial coverage protecting business assets, operations, and liability exposures for small to medium businesses in Southwest Florida.
• Commercial Property Insurance Coverage for commercial buildings, equipment, inventory, and business property against damage.
• Professional Liability Insurance Coverage protecting businesses and professionals against claims of negligence or inadequate work (errors and omissions coverage).
• General Liability Insurance Coverage for third-party bodily injury, property damage, legal defense costs, and personal injury claims.
• Workers Compensation Insurance Coverage for employee workplace injuries and illnesses as required by Florida law.
• Cyber Liability Insurance Coverage for data breaches, ransomware attacks, and digital exposure risks faced by businesses.
• Surety Bonds Insurance Bond coverage for contractors and businesses for contract performance and professional obligations.
• Commercial Flood Insurance Flood coverage for commercial properties against rising water, storm surge, and heavy rainfall accumulation.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Brightway Insurance: Florida-headquartered independent insurance agency franchise with multi-location model across the Southeast, selling personal and commercial lines through multiple carriers. Highly comparable independent agency model, similar product breadth, and overlapping Florida market.
• Goosehead Insurance: Publicly traded independent insurance agency franchisor that places personal and commercial coverage with multiple carriers through a distributed agent network. Directly comparable multi-carrier agency model with shared personal/commercial product mix.
• Insurance Office of America: Florida-based independent insurance agency offering personal and commercial lines through multiple carriers with multi-office regional presence. Directly comparable as a Florida-headquartered, multi-location independent agency.

Broad incumbents

• Brown & Brown Insurance: One of the largest independent insurance brokerages in the U.S. with deep Florida presence, offering personal and commercial lines through a wide carrier network. Comparable as a scaled-up version of the same independent agency/broker model with national reach and Florida density.
• Hub International: Large North American insurance brokerage offering personal, commercial, and specialty lines through regional offices with broad carrier access. Comparable as a scaled brokerage with multi-office distribution and personal/commercial mix.
• Acrisure: Rapidly growing global insurance brokerage built through acquisitions of independent agencies, with significant U.S. personal and commercial lines exposure. Relevant as both a comparable scaled brokerage model and a potential acquirer of agencies like State Insurance USA.
• Arthur J. Gallagher & Co. Major global insurance brokerage and risk management firm with a large retail brokerage division placing personal and commercial coverage. Comparable independent brokerage model with broader product set and corporate clientele.

Regional players

• Bankers Insurance Group: Florida-focused property and casualty insurance carrier specializing in coastal and hurricane-exposed risks. Comparable through shared Florida coastal market exposure and hurricane/flood risk expertise, though operates as a carrier rather than an agency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Stateinsuranceusa
• LinkedInlinkedin.com/company/state-insurance-usa

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 State Insurance USA