REGAN INSURANCE AGENCY INC

What REGAN INSURANCE AGENCY INC does

Regan Roth Insurance Agency, Inc is a family-owned and operated independent insurance agency serving the Florida Keys since 1958. The company operates from two physical office locations in Tavernier (Upper Keys) and Marathon (Middle Keys), providing face-to-face and phone-based insurance services to local residents and businesses. Its core product offerings span three lines: Business Insurance (commercial property, liability, and business package policies for Keys-based businesses), Personal Insurance (home, auto, boat, and jewelry coverage for individuals), and Group Coverage (group health and employee benefits for local employers).

The agency functions as an intermediary between insurance carriers and policyholders, earning commissions on policy placements and renewals. Its go-to-market motion is direct and relationship-driven: inbound leads are captured via website CTAs and two local phone numbers, then converted through agent-led consultation rather than self-serve or digital channels. The company carries no disclosed technology platform, proprietary software, or AI capabilities; operations rely on traditional agent workflows with a website and blog serving as the primary digital assets.

The business model is commission-based recurring revenue tied to carrier relationships and policy renewals, with no disclosed fee-for-service or consulting streams. The customer base is concentrated in the Florida Keys geographic market, serving individual consumers, local SMBs (including tourism and marine-related businesses), and a smaller employer group for benefits products. The agency's competitive positioning rests on multi-generational community presence, specialized knowledge of Keys-specific perils (hurricanes, flooding, coastal exposures), and local service accessibility rather than technology differentiation or scale.

Name

REGAN INSURANCE AGENCY INC

Legal name

Regan Roth Insurance Agency, Inc

Website

https://reganinsuranceinc.com

Company type

Private

Founded year

1958

Operating status

Operating

Short description

Regan Roth Insurance Agency is a family-owned independent insurance brokerage founded in 1958, serving Florida Keys residents and businesses from offices in Tavernier and Marathon with personal, commercial, and group insurance products.

Ownership category

akta.pro rank

Headquarters

HQ city

Tavernier

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 Agency Commission: Standard insurance agency revenue model where the agency earns commissions from insurance carriers for placing and renewing policies. Commissions are typically a percentage of premium and include renewal commissions for ongoing client relationships. No indication of fee-for-service or consulting revenue streams.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Regan Roth Insurance Agency is an independent, family-owned insurance agency that places and services personal, commercial, and group insurance policies with multiple carriers on behalf of Florida Keys clients. The agency assesses each client's exposures (homes, autos, boats, jewelry, businesses, and workforces) and recommends customized coverage packages, earning commissions from insurance carriers for placing and renewing policies.

Product overview

Regan Roth Insurance is an independent insurance agency offering a portfolio of insurance products including Business Insurance, Personal Insurance (covering home, autos, boats, and jewelry), and Group Coverage. The agency provides personalized coverage assessment and recommendations, matching clients with comprehensive, competitive, and custom-made insurance solutions for Florida Keys business and personal needs. The products are delivered through experienced local agents who offer ongoing support even after the sale.

Differentiator

Problem solved

Functional benefit

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves3 records

Expansion highlights2 records

Broad incumbents

• Hub International: Large North American insurance brokerage offering property, casualty, life, and employee benefits across the U.S., with significant Florida coastal presence. Comparable as a multi-line insurance agency competing for the same commercial and personal lines, but with broader geographic reach and product breadth.
• Brown & Brown, Inc. National insurance brokerage headquartered in Florida with deep retail and commercial books across the state. Comparable as a Florida-anchored insurance brokerage serving personal, commercial, and employee benefits lines, operating at vastly greater scale.
• USI Insurance Services: Large U.S. insurance brokerage serving middle-market commercial and personal lines clients nationwide. Comparable in product mix and agency/brokerage commission model but with far greater geographic reach, carrier leverage, and risk-engineering resources.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a substantial Florida retail operation. Comparable in providing commercial, personal, and group benefits brokerage, but serving larger mid-market and enterprise accounts that exceed a local two-office agency's capacity.

Emerging players

• Kin Insurance: Florida-focused, digital-first homeowners insurance carrier that quotes and binds policies online. Comparable as a competitor for Florida personal lines, especially in coastal markets, but replaces the agency layer with a direct-to-consumer model rather than serving it.
• Lemonade: Digital-first insurance carrier offering homeowners, auto, and life coverage through a mobile app and online platform. Comparable as a competitor for personal-lines insurance customers seeking convenience, though currently thinner on Florida-specific coastal underwriting expertise.
• Hippo Insurance: Insurtech homeowners insurance carrier focused on proactive risk monitoring and direct-to-consumer digital distribution. Comparable as an emerging competitor in U.S. homeowners personal lines where Regan Roth also generates a meaningful share of its book.

Regional players

• Heritage Insurance Holdings: Florida-headquartered property and casualty insurance carrier serving coastal and personal lines homeowners markets in the state. Comparable as a Florida-focused participant in the same coastal personal-lines insurance market, but operating on the carrier side rather than as an independent agency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/reganinsuranceinc

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 REGAN INSURANCE AGENCY INC