Amco Insurance

What Amco Insurance does

Amco Insurance is the trade name of J.E. Insurance Associates, a privately held independent insurance agency domiciled in Florida and operating from two retail locations in Homestead (208 NE 8 St., Homestead, FL 33030) and Miami (16932 S Dixie Hwy., Miami, FL 33157). The agency distributes six core insurance products — Auto, Home Owners, Business, Life, Boat, and Commercial Auto — by placing coverage through multiple third-party carrier networks and earning commissions on bound policies. Its offering spans personal lines (auto, home, life, boat) and commercial lines (business liability, workers compensation, group health, commercial auto), targeting individual consumers, families, small and medium businesses, boat owners, and commercial vehicle operators in Southeast Florida.

The agency's technology footprint is minimal and largely third-party: a website with online quote requests, a client portal integrated via the Glovebox App (agencyId=17638), and a content marketing blog that has been active since 2016. There is no proprietary underwriting platform, no API surface, no mobile application, and no disclosed AI or automation capabilities. Customer engagement runs through licensed agents in person, by phone (786-243-9222 and 305-251-907-0217), and via website lead capture, supported by social media presence across Facebook, Instagram, LinkedIn, Twitter, and Pinterest.

Amco makes money exclusively through insurance commissions on policies placed with its carrier partners, with no disclosed alternative revenue streams, no external funding, and no parent company. Pricing is quote-based and varies by individual risk profile and carrier underwriting criteria, billed monthly. Ownership is independent and privately held, consistent with a small regional retail agency whose scale, footprint, and competitive position are anchored in local presence and agent-led service rather than technology differentiation.

Name

Amco Insurance

Legal name

J.E. Insurance Associates DBA Amco Insurance

Website

https://amco-insurance.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

Amco Insurance (J.E. Insurance Associates) is a privately held, independent insurance agency in South Florida that places personal and commercial lines — auto, home, business, life, boat, and commercial auto — through multiple carrier networks, serving individuals, families, and SMBs from two offices in Homestead and Miami.

Ownership category

akta.pro rank

Headquarters

HQ city

Homestead

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Commissions: Amco Insurance operates as an independent insurance agency earning commissions from selling insurance policies from multiple carrier networks. The company offers auto, home, life, business, boat, and commercial auto insurance through various insurance carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Amco Insurance operates as an independent insurance agency (legal entity J.E. Insurance Associates) that sells personal and commercial insurance policies on behalf of multiple carrier networks. The agency offers auto, homeowners, business, life, boat, and commercial auto insurance to individuals, families, and small businesses in South Florida, earning commissions from the carriers whose policies it places.

Product overview

Amco Insurance (J.E. Insurance Associates) is an independent insurance agency offering a portfolio of personal and commercial insurance products. The company provides six core insurance products: Auto Insurance, Home Owners Insurance, Business Insurance, Life Insurance, Boat Insurance, and Commercial Auto Insurance. These products are distributed through a network of insurance carriers and offered to individuals, families, and businesses in the Homestead, Miami, and Hialeah, Florida areas.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for vehicles protecting against accidents, collision, liability, and comprehensive damages including natural disasters. Sold to individual drivers and families in South Florida.
• Home Owners Insurance Protection for residential properties covering dwelling, other structures, personal property, and loss of use/additional living expenses. Sold to homeowners in South Florida.
• Business Insurance Comprehensive coverage for business assets including liability insurance, workers compensation insurance, group health insurance, and group life insurance. Sold to small and medium business owners in South Florida.
• Life Insurance Financial protection for beneficiaries including term life, whole life, and universal life insurance policies. Sold to individuals and families in South Florida.
• Boat Insurance Coverage for boats including physical damage, liability protection, medical payments, and emergency towing assistance. Sold to boat and watercraft owners in Florida.
• Commercial Auto Insurance Business vehicle protection covering liability, collision, comprehensive coverage, and uninsured motorist coverage for company fleets. Sold to commercial vehicle operators, contractors, delivery services, and rideshare drivers in South Florida.

Quantifiable outcome

• Customized coverage within 24-48 hours after application submission

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Recent moves5 records

Expansion highlights4 records

Emerging players

• Policygenius: Online insurance marketplace that aggregates life, home, auto, and disability coverage from multiple carriers. Adjacent competitor to Amco's brokerage function, channeling customers to carriers digitally rather than through local agents.
• Lemonade: Digital-first insurance carrier selling renters, home, auto, pet, and life insurance direct via a mobile app. Represents the structural disintermediation trend challenging traditional agencies like Amco, particularly for younger, digitally native buyers.
• Next Insurance: Digital SMB-focused insurance carrier offering commercial policies (general liability, workers comp, commercial auto) direct online. Directly overlaps Amco's small business and commercial auto segments with a faster, lower-cost digital experience.

Broad incumbents

• GEICO: Direct-to-consumer auto and home insurer owned by Berkshire Hathaway. Competes head-on with Amco's auto and home offerings via a low-cost digital channel that bypasses independent agents entirely.
• State Farm: Largest U.S. personal lines insurer with a captive agent network selling auto, home, and life insurance. Competes with Amco for the same individual/family buyer but with vastly greater scale, brand recognition, and proprietary product economics.
• Progressive: Major U.S. personal and commercial auto insurer increasingly sold direct-to-consumer. Direct competitive overlap with Amco's auto and commercial auto products, and a structural threat to the agency intermediation model.
• Liberty Mutual: National P&C insurance carrier selling personal and commercial lines through agents and direct channels. Comparable product mix to Amco (auto, home, business, commercial auto) at materially larger scale and brand reach.
• Allstate: National insurance carrier with an agent distribution model selling auto, home, life, and business coverage. Overlaps Amco's product portfolio and target customers, but operates as a captive carrier rather than independent broker.

Direct peers

• Brightway Insurance: Florida-headquartered independent insurance agency franchise offering personal and commercial lines through multiple carriers. Highly comparable to Amco in product mix, carrier-broker model, and Florida market focus, with larger scale via franchise network.
• Goosehead Insurance: Independent insurance agency franchise operating across multiple U.S. states, distributing personal and commercial lines through multiple carriers. Comparable to Amco in independent multi-carrier model and product breadth, though operating at significantly larger scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/jeinsuranceamco
• Facebookfacebook.com/jeinsuranceamco
• LinkedInlinkedin.com/company/j-e-insurance-associates-dba-amco-insurance
• Instagraminstagram.com/jeinsuranceassociatesdbaamco
• Pinterestpinterest.com/jeinsuranceasso

Revenue estimate

Valuation estimate

Number of profiles

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 Amco Insurance