Adrian Fernandez Insurance, Inc.

What Adrian Fernandez Insurance, Inc. does

Adrian Fernandez Insurance, Inc. is a privately held, family-owned independent insurance agency headquartered at 6115 N Armenia Ave in Tampa, Florida, founded in 1988 by lifelong Tampa resident Adrian Fernandez. The company was transitioned in 2024 to ownership and operation by his daughter, Allison Hernandez, who now serves as President; the firm operates without institutional capital, parent-company involvement, or external funding. It functions as a Trusted Choice® multi-carrier brokerage representing Progressive, Foremost, Universal Property & Casualty, Heritage, and Bankers Insurance Group, among others, and serves both individual consumers and small business owners across the Tampa region through personal lines (auto, homeowners, flood) and commercial lines (general liability, property, commercial auto, worker's compensation, builder's risk, bonds, professional liability).

The agency runs a sales-led go-to-market built around a single physical office, phone-based sales at (813) 872-8481, online quote request forms, and an active Facebook presence. There is no proprietary technology platform, no mobile application, no disclosed API or SDK, and no AI/ML capabilities; the operational stack is a standard licensed-agent brokerage model. The team consists of approximately 5-8 staff including dedicated personal lines account managers (home and auto divisions), a commercial lines account manager, an office manager, and the President, with one additional hire pending.

Revenue is generated through insurance commissions from carriers on policies placed, described in the source material as recurring in nature due to the renewal cadence of insurance contracts. Pricing is quote-based and individualized based on customer-specific risk factors, with monthly billing as the standard cadence. The agency emphasizes multi-carrier comparison, advocacy support during claims, and 40+ years of local market experience as its core value proposition, relying heavily on referrals and long-tenured customer relationships.

Name

Adrian Fernandez Insurance, Inc.

Legal name

Adrian Fernandez Insurance, Inc.

Website

https://adrianfernandezins.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

Adrian Fernandez Insurance, Inc. is a family-owned, multi-carrier independent insurance agency in Tampa, Florida, founded in 1988, serving individual consumers and small business owners with auto, home, flood, and commercial insurance through Progressive, Foremost, and other carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commissions: As an independent insurance agency representing multiple carriers, the company earns commissions from insurance companies for policies placed. Commissions are typically a percentage of the premium written. The agency shops coverage across multiple insurance carriers to find the best rates for clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Adrian Fernandez Insurance is a Trusted Choice® independent insurance agency that represents multiple insurance carriers to deliver personal and commercial insurance coverage. The agency shops coverage across carriers including Progressive, Foremost, Universal Property & Casualty, Heritage, and Bankers Insurance Group to provide individuals and small business owners with customized policies at competitive rates, supported by licensed agents who assist with quoting, policy management, and claims advocacy.

Product overview

Adrian Fernandez Insurance is a Trusted Choice® insurance agency representing multiple insurance companies, offering a portfolio of six core insurance products. The agency acts as an independent insurance agency that shops coverage across multiple carriers to provide customized insurance plans for individuals and business owners. The product suite includes Auto Insurance (covering vehicles from cars to boats), Commercial Insurance (liability, property, bonds), Commercial Auto Insurance (business vehicle coverage), Flood Insurance, Homeowners Insurance (residential properties), and Worker's Compensation Insurance. The company serves both personal lines (individuals/families) and commercial lines (businesses) and operates as a multi-carrier agency that aggregates options to find the right coverage at competitive rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance coverage for cars, trucks, SUVs, RVs, motorcycles, boats/watercraft, ATVs, and golf carts. The agency shops multiple carriers to find optimal rates and coverage for individual consumer needs.
• Commercial Insurance Business insurance portfolio including all risk general liability, property coverage, worker's compensation, builder's risk, bonds, professional liability, and flood insurance. Tailored for contractors, car dealers, restaurant and bar owners, and other small business types.
• Commercial Auto Insurance Comprehensive auto insurance for business vehicles with broad acceptability of vehicles and drivers, designed to keep businesses operating with reliable coverage.
• Flood Insurance Flood insurance coverage available to homeowners, renters, condo owners/renters, and commercial owners/renters to protect assets against flood damage from hurricanes, drainage issues, and rainfall accumulation in Florida.
• Homeowners Insurance Property insurance covering homeowners, investment properties, condominiums, town homes, apartments, mobile homes, and vacant properties to protect residential real estate investments.
• Worker's Compensation Insurance Workers' compensation insurance that covers medical and financial needs of employees injured on the job, transferring risk to an insurance carrier to protect business investments.

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by the agency for auto and other personal lines coverage. Logo displayed on website footer indicating carrier partnership.
• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership for specialty coverage including manufactured housing and recreational vehicles. Logo displayed on website footer.
• Universal Property and Casualty Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership for property coverage. Logo displayed on website footer indicating carrier relationship.
• Heritage InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership for property and casualty coverage. Logo displayed on website footer.
• Bankers Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership providing various property and casualty products. Logo displayed on website footer.
• Trusted Choice®minorStrategic or Co-development PartnerIndustry network affiliation. Trusted Choice® agencies are insurance and financial service firms that represent multiple insurance companies, offering individuals and business owners a variety of coverage choices, customized insurance plans, and advocacy support.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Lemonade: Digital-first direct-to-consumer insurance carrier offering homeowners, renters, auto, and pet insurance through an app-based interface. Comparable as a competitor for the same personal lines customers (auto, homeowners), but using a fully digital, AI-driven model that bypasses agents.
• Policygenius: Online insurance marketplace aggregating life, home, auto, and disability coverage from multiple carriers. Comparable as a multi-carrier comparison-and-distribution platform targeting the same personal lines customers AFI serves, but with a digital-only acquisition funnel.

Broad incumbents

• Brown & Brown, Inc. Large U.S. insurance brokerage headquartered in Daytona Beach, FL, providing personal, commercial, and specialty lines through agency and wholesale channels. Comparable as a Florida-rooted insurance intermediary, though at vastly greater scale and with national reach.
• Hub International: Large North American insurance brokerage offering personal, commercial, and employee benefits. Comparable as a multi-carrier intermediary with overlapping product lines, though operating at enterprise scale across many geographies.
• Marsh McLennan: Global insurance brokerage and risk advisory firm (parent of Marsh). Comparable as a multi-carrier insurance intermediary serving both commercial and personal markets, though at vastly larger scale with institutional client focus.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm serving commercial and personal lines customers. Comparable business model (multi-carrier intermediary) but operates at global enterprise scale with extensive specialty capabilities.

Others

• Trusted Choice: National network/brand for independent insurance agencies and financial services firms representing multiple carriers. Directly comparable as the affiliation ecosystem AFI belongs to, providing member agencies with branding, advocacy, and network support.

Direct peers

• Goree Agency / Goree Insurance: Independent insurance agency offering personal and commercial lines through multiple carriers. Comparable as a small-to-mid independent agency with similar multi-carrier brokerage model and product breadth.
• Wallace, Welch & Willingham: Florida-headquartered independent insurance agency providing personal and commercial coverage. Comparable as a regional independent agency competing in the same FL market with similar multi-carrier distribution model and SMB/consumer segments.
• Brightway Insurance: Florida-based independent insurance agency franchise offering auto, home, and commercial coverage through multiple carriers. Directly comparable as a multi-carrier personal/commercial lines agency operating in the same Florida market with similar customer segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AFernandezIns
• LinkedInlinkedin.com/company/adrian-fernandez-insurance-inc-

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Adrian Fernandez Insurance, Inc.