Worth Insurance
Worth Insurance is a Florida-based independent insurance agency founded in 2018 that operates a digital marketplace aggregating quotes from 20+ insurance carriers for personal and commercial lines, serving Florida consumers, small businesses, and high-net-worth clients through a licensed-agent-plus-digital quoting model.
- Company typePrivate
- Founded2018
- HeadquartersPalm Beach Gardens, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Worth Insurance does
Worth Insurance Services, LLC is a Florida-based independent insurance agency founded in 2018 that operates as a digital insurance marketplace. The company aggregates and compares quotes from over 20 insurance carriers — spanning national carriers such as Travelers, Progressive, Liberty Mutual, Nationwide, and Chubb, alongside Florida-specialty carriers including Citizens Property Insurance, Tower Hill, Southern Oak, Ovation, Edison, American Integrity, SafePoint, and TypTap. Customers access the marketplace through a company website with digital self-service quoting or by contacting licensed agents by phone, with both personal lines (home, condo, flood, landlord, renters, auto, boat, RV, golf cart, umbrella) and commercial lines (professional liability, D&O, cyber, crime, general liability, employment practices liability) supported.
The company generates revenue through carrier-paid commissions on policies sold, with agents earning roughly 5-15% of premium depending on the line of business and carrier partnership terms; customers are not charged directly for quoting or advisory services. A premium tier — the Private Client program — delivers high-net-worth home insurance through specialty carriers (Pure, AIG, Vault, Chubb, Hagerty) with full replacement cost, unlimited loss of use, and deductible waivers. The platform pairs online self-service quoting with licensed-agent consultation, including a Calendly-based scheduling channel for high-value clients.
Worth Insurance is privately held with no disclosed venture capital or private equity backing and operates exclusively within Florida from offices in Palm Beach Gardens and West Palm Beach. In 2024, the company acquired PolicyCastle, expanding its carrier network and digital quote-comparison capabilities; PolicyCastle remains a retained subsidiary brand. The company markets through a content-and-SEO-led digital strategy including carrier-comparison pages targeting national aggregators and active profiles on Facebook, Instagram, and LinkedIn. No proprietary technology platform is disclosed; the offering is fundamentally an agency-orchestrated aggregator with an independent agent workforce, not an AI-native insurtech.
Worth Insurance firmographics
Firmographics- Name
- Worth Insurance
- Legal name
- Worth Insurance Services, LLC.
- Website
- https://worthinsurance.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Worth Insurance is a Florida-based independent insurance agency founded in 2018 that operates a digital marketplace aggregating quotes from 20+ insurance carriers for personal and commercial lines, serving Florida consumers, small businesses, and high-net-worth clients through a licensed-agent-plus-digital quoting model.
- Ownership category
- akta.pro rank
Where Worth Insurance is headquartered
LocationHeadquarters
- HQ city
- Palm Beach Gardens
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Worth Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Insurance Commission Revenue: As an independent insurance agency, Worth Insurance generates revenue through commissions paid by insurance carriers for policies sold. Agents receive commissions ranging from approximately 5-15% of premium depending on the line of business and carrier partnership terms. The agency does not charge customers directly for their quoting and advisory services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Personal Insurance (Home, Auto, Boat, etc.) |
| Subscription | Annual | Business Insurance (Professional Liability, D&O, Cyber, etc.) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Worth Insurance product offering
Product offeringCore offering
Worth Insurance is an independent insurance agency operating a digital marketplace that aggregates quotes from 20+ insurance carriers, enabling Florida consumers and businesses to compare and purchase personal lines (home, auto, flood, condo, boat, RV, landlord, renters, golf cart, umbrella) and commercial lines (professional liability, general liability, D&O, cyber, crime, employment practices). The platform pairs online self-service quoting with licensed agent support and offers a Private Client specialty channel for high-net-worth residential coverage through carriers such as Pure, AIG, Vault, Chubb, and Hagerty.
Product overview
Worth Insurance is an independent digital insurance marketplace operating in Florida that aggregates and compares coverage options from multiple insurance carriers. The core offering is a quote-comparison platform that allows consumers to shop and compare personal insurance products (home, condo, flood, landlord, renters, car, boat, RV, golf cart, umbrella) and business insurance products (professional liability, general liability, D&O, cyber, crime, employment practices) sourced from a network of 20+ carrier partners. The platform differentiates through a personal-agent model paired with technology, offering tailored coverage recommendations and a streamlined digital quoting experience. A premium tier — Private Client — provides high-value home coverage through specialty carriers (Pure Insurance, AIG, Vault, Chubb, Hagerty) with custom solutions including full replacement cost, unlimited loss of use, and deductible waivers. Worth Insurance also operates PolicyCastle as a subsidiary brand.
Differentiator
Problem solved
Functional benefit
Brands
- Private Client: High-value home insurance for luxury properties featuring specialty carriers, superior coverages, and custom solutions
Products and services
- Homeowners Insurance Custom homeowners coverage for hurricanes, wind mitigation, and liability from A-rated carriers, including roof deductibles, replacement cost policies, and binding options averaging $4,419 annually. Designed for Florida residential property owners.
- Car Insurance No-fault compliant auto policies offering competitive PIP and property damage minimums post-2025 reforms, with comparison of safe driver discounts and multi-policy bundles averaging $2,769 yearly.
- Flood Insurance NFIP and private flood options for high-risk coastal zones like Miami-Dade, comparing elevation-rated premiums starting at $700/year with contents coverage and waiting period waivers.
- Condo Insurance HO-6 policies protecting unit interiors, personal property, and assessments not covered by associations, including loss assessment limits and water backup options.
- Landlord Insurance Specialized protection for rental properties covering tenant damage, loss of rents, and storm risks beyond standard policies, meeting Florida's landlord requirements with fair rental value coverage.
- Renters Insurance Coverage protecting renters' personal belongings and liability for those renting homes or apartments in Florida.
- Boat Insurance Agreed-value policies for yachts, fishing boats, and PWCs covering waterway liability, salvage, and theft, comparing coastal navigation limits, wreck removal coverage, and on-water towing.
- RV Insurance Coverage for recreational vehicles in Florida, protecting against accidents, theft, and weather-related damage.
- Golf Cart Insurance Specialized coverage for golf carts used in Florida communities, resorts, and low-speed roads, covering collision, theft, liability, and customizable accessories protection, with apply time under 60 seconds.
- Umbrella Insurance Personal umbrella liability coverage providing additional protection beyond standard auto and homeowners policies for Florida residents.
- Private Client (High-Value Home Insurance) Specialty insurance program for high-value homes offering full replacement cost, unlimited loss of use, replacement value coverage, deductible waiver for losses over $50,000, and custom coverages through carriers such as Pure Insurance, AIG, Vault, Chubb, and Hagerty.
- Professional Liability Insurance Coverage protecting professionals against claims of negligence, errors, or omissions in the performance of their professional services.
- General Liability Insurance Coverage protecting businesses against third-party claims for bodily injury, property damage, and personal injury arising from business operations.
- Directors & Officers (D&O) Insurance Coverage protecting directors and officers of organizations against personal losses from claims arising from decisions and actions made while serving in their official capacity.
- Cyber Insurance Coverage protecting businesses against losses from data breaches, cyberattacks, and other cyber incidents including liability and recovery costs.
- Crime Insurance Coverage protecting businesses against losses from criminal acts such as theft, embezzlement, forgery, and robbery.
- Employment Practices Liability Insurance Coverage protecting employers against claims made by employees regarding wrongful termination, discrimination, harassment, and other employment-related issues.
Quantifiable outcome
- Customers have shopped with Worth since 2018
- +1 more outcomes
Companies that use Worth Insurance
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles3 records
Worth Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Worth Insurance partnerships and signals
Strategic signalPartnerships
25 partnerships are on record, tiered core and minor.
- PolicyCastlecorePolicyCastle was acquired and integrated into Worth Insurance operations in 2024, expanding the company's carrier network and quote capabilities. The acquisition strengthened Worth Insurance's position as a digital insurance marketplace by incorporating PolicyCastle's technology and carrier relationships.
- Travelers InsurancecoreOne of the 20+ insurance carriers available through Worth Insurance's marketplace. Travelers provides home, auto, and business insurance products distributed through the Worth Insurance agency.
- Progressive InsurancecoreKey carrier partner offering auto, home, and boat insurance through the Worth Insurance marketplace. Progressive's boat insurance products are specifically highlighted with coverage starting at $100/year.
- Liberty Mutual InsurancecoreMajor national carrier available through Worth Insurance's comparison marketplace for home, auto, and business insurance products.
- Nationwide InsurancecoreNational insurance carrier partnered with Worth Insurance offering home, auto, and business insurance coverage options through the marketplace.
- Chubb InsurancecoreHigh-value insurance carrier partner specializing in affluent homeowner coverage and luxury home insurance available through Worth Insurance's Private Client program.
- American ModerncoreSpecialty insurer partner offering manufactured home, module home, and golf cart insurance products through the Worth Insurance marketplace.
- LemonademinorDigital insurance carrier available through Worth Insurance's marketplace for home and auto insurance products.
- Citizens Property InsurancecoreFlorida's state-run insurer of last resort available as an option through Worth Insurance for homeowners unable to obtain coverage from private insurers.
- Ovation Home Insurance ExchangecoreFlorida-focused home insurance carrier partner offering coverage options through Worth Insurance's marketplace.
- Southern Oak InsurancecoreRegional Florida home insurer partner available through Worth Insurance for homeowners seeking Florida-specific coverage.
- Tower Hill InsurancecoreMajor Florida-focused insurance carrier partner offering home insurance through Worth Insurance's marketplace.
- Monarch National InsurancecoreFlorida-based property insurer partner offering home and golf cart insurance coverage options through Worth Insurance.
- Edison InsurancecoreFlorida-focused home insurance carrier partner available through Worth Insurance's comparison marketplace.
- American Integrity InsurancecoreRegional Florida insurer offering home and boat insurance products available through Worth Insurance's marketplace.
- SafePoint InsurancecoreFlorida property insurer partner offering home insurance through Worth Insurance's marketplace.
- TypTap InsurancecoreTechnology-enabled insurance carrier partner offering home insurance products through Worth Insurance's marketplace.
- Trusted ChoiceminorIndependent insurance agency network membership providing access to additional carrier relationships and industry resources.
- FAIA (Florida Insurance Agents)minorState insurance agent association membership providing industry advocacy, education, and carrier access for Worth Insurance.
- PRMA (Private Risk Management Association)minorAssociation membership supporting Worth Insurance's Private Client high-net-worth insurance program with industry resources and best practices.
- Palm Beach Chamber of CommerceminorLocal business chamber membership demonstrating community presence and local business networking in Palm Beach County.
- Pure InsurancecoreHigh-value home insurer specializing in affluent homeowner coverage, featured in Worth Insurance's Private Client program for luxury home insurance solutions.
- AIGcoreGlobal insurance carrier partner offering high-value home insurance products through Worth Insurance's Private Client program.
- Vault InsurancecoreHigh-net-worth insurance carrier partner providing specialty coverage for valuable homes and assets through Worth Insurance's Private Client channel.
- HagertyminorClassic car and specialty vehicle insurer partner available through Worth Insurance for collectors and enthusiasts.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Worth Insurance competitors and assessment
Company assessmentDirect peers
- Insurify: Digital insurance comparison platform aggregating quotes from multiple carriers for auto, home, and life insurance. Closely matches Worth Insurance's digital marketplace model with multi-carrier quote comparison as the core offering.
- The Zebra: Insurance comparison marketplace specializing in auto and home insurance quotes from multiple carriers. Operates the same aggregator business model as Worth Insurance but at national scale.
- SmartFinancial: Insurance comparison marketplace that aggregates quotes from multiple carriers across personal and commercial lines. Comparable mid-sized digital agency serving shoppers nationwide with a similar model to Worth Insurance.
- EverQuote: Online insurance marketplace connecting shoppers with carriers and agents across auto, home, and life insurance. Operates a marketplace model closely aligned with Worth Insurance's aggregator approach.
- Policygenius: National digital insurance marketplace that compares quotes from multiple carriers across life, home, auto, and disability insurance. Worth Insurance explicitly produces comparison content positioning against Policygenius, indicating direct competition for the same comparison-shopping customer.
- Simply Insurance: Digital insurance comparison platform aggregating quotes from multiple carriers across personal and commercial lines. Closely matches Worth Insurance's online marketplace and licensed-agent-supported model.
- CoverWallet: Commercial insurance marketplace (now part of Aon) that aggregates quotes from multiple carriers for business insurance including general liability, professional liability, and cyber. Directly comparable to Worth Insurance's commercial lines offering.
Broad incumbents
- Lemonade: Digital-first insurance carrier offering home, auto, and pet insurance through a proprietary mobile app. Serves as both a competitor pushing direct-to-consumer and a carrier partner within Worth Insurance's marketplace panel.
- Trusted Choice: Independent insurance agency network and brand that Worth Insurance belongs to as a member. Provides the broader independent agency ecosystem framework against which Worth Insurance competes for carrier appointments and consumer recognition.
Regional players
- Florida Peninsula Insurance: Florida-domiciled homeowners insurance carrier operating exclusively in Florida with deep expertise in hurricane and coastal risks. A carrier partner in Worth Insurance's panel and a comparable Florida-specialized insurance operator.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Worth Insurance social profiles
Digital presenceWorth Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Worth Insurance leadership team
Management profileNumber of profiles
Worth Insurance subsidiaries and ownership
Company hierarchySubsidiaries1 record
Worth Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Worth 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 Worth Insurance
What does Worth Insurance do?
Worth Insurance is an independent insurance agency operating a digital marketplace that aggregates quotes from 20+ insurance carriers, enabling Florida consumers and businesses to compare and purchase personal lines (home, auto, flood, condo, boat, RV, landlord, renters, golf cart, umbrella) and commercial lines (professional liability, general liability, D&O, cyber, crime, employment practices). The platform pairs online self-service quoting with licensed agent support and offers a Private Client specialty channel for high-net-worth residential coverage through carriers such as Pure, AIG, Vault, Chubb, and Hagerty.
Is Worth Insurance a public or private company?
Worth Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Worth Insurance founded?
Worth Insurance was founded in 2018. It employs 1 to 10 people.
Where is Worth Insurance based?
Worth Insurance is headquartered in Palm Beach Gardens, United States, in the North America region.
How does Worth Insurance make money?
One revenue line is on record: insurance Commission Revenue.
Who are Worth Insurance's main competitors?
Direct peers on record are Insurify, The Zebra, SmartFinancial, EverQuote, Policygenius, Simply Insurance and CoverWallet. Broad incumbents are Lemonade and Trusted Choice. Florida Peninsula Insurance is listed as a regional player.
Does Worth Insurance have an API?
No public API is recorded for Worth Insurance.