Twin Palms Insurance Group
Twin Palms Insurance Group is a privately held independent insurance agency founded in 2017 in West Palm Beach, Florida, distributing nine personal and commercial P&C insurance lines directly to individuals and small-to-medium businesses across 11 South Florida cities.
- Company typePrivate
- Founded2017
- HeadquartersWest Palm Beach, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Twin Palms Insurance Group does
Twin Palms Insurance Group is a privately held, independent insurance agency founded in 2017 by Brandon Smith and David Smith, headquartered in West Palm Beach, Florida with a second West Palm Beach office at 2101 Vista Parkway. The agency distributes personal and commercial property and casualty insurance products on a direct-to-consumer basis across South Florida, serving individuals and small-to-medium businesses in eleven cities spanning Palm Beach County and the Treasure Coast including Stuart, Tequesta, Jupiter, North Palm Beach, Palm Beach Gardens, West Palm Beach, Palm Beach, Port St. Lucie, Hobe Sound, Palm City, and Jensen Beach.
The agency's core offering spans nine product lines: Business Auto, Business Liability, Business Property, Construction, and Workers Compensation on the commercial side, and Personal Auto, Homeowners, Personal Umbrella, and Renters on the personal side. The technology stack is described as standard insurance agency operations using off-the-shelf quoting and policy management platforms; no proprietary technology, AI capabilities, mobile app, or API integrations are documented. Lead generation and policy servicing occur through a website with per-product and per-location landing pages, phone-based inside sales (561-425-9991 / 561-425-9993), email ([email protected]), and in-person appointments at the West Palm Beach offices. Channels include Facebook, Google, Instagram, LinkedIn, Twitter, and an RSS feed, supplemented by community involvement with the Chamber of Commerce of the Palm Beaches, Habitat for Humanity Palm Beach County, Real Men Wear Pink, and Great Give PBC.
The business model is agency-based commission revenue: Twin Palms collects insurance premiums on behalf of underlying carriers and earns commission on policy issuance and renewal, with pricing quote-based and not publicly disclosed. Revenue, headcount, funding, and ownership details beyond the two co-founders are not disclosed; no external investors, no M&A activity, and no regulatory actions are on record. The agency differentiates on flexible underwriting for complex risks and founder-led customer service drawing on 15+ years of combined industry experience.
Twin Palms Insurance Group firmographics
Firmographics- Name
- Twin Palms Insurance Group
- Legal name
- Twin Palms Insurance Group
- Website
- https://twinpalmsinsurance.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Twin Palms Insurance Group is a privately held independent insurance agency founded in 2017 in West Palm Beach, Florida, distributing nine personal and commercial P&C insurance lines directly to individuals and small-to-medium businesses across 11 South Florida cities.
- Ownership category
- akta.pro rank
Twin Palms Insurance Group industry classification
Industry- Product category
- Insurance Agency Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro industry
- Mid-Market Commercial Package (Package Policies)Financial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)Real Estate / Lessors Risk BOPFinancial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)Standalone Umbrella LiabilityCommercial Package / Business Owners Policies (BOP)
Keywords
Where Twin Palms Insurance Group is headquartered
LocationHeadquarters
- HQ city
- West Palm Beach
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Twin Palms Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Infrastructure, Technology or R&D
Revenue model
- Insurance Premiums: Collects insurance premiums from customers for coverage under personal and commercial insurance policies. Revenue generated through policy renewals and new policy acquisitions across personal auto, homeowners, renters, umbrella, business auto, business liability, business property, construction, and workers compensation lines.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Insurance Products |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Twin Palms Insurance Group product offering
Product offeringCore offering
Twin Palms Insurance Group is an independent insurance agency that brokers personal and commercial insurance policies for individuals and small-to-medium businesses across South Florida. The agency sells nine distinct product lines — Business Auto, Business Liability, Business Property, Construction, Workers Compensation, Personal Auto, Homeowners, Personal Umbrella, and Renters Insurance — underwritten by partner carriers. Distribution is direct via phone, website quote forms, email, and scheduled in-person appointments at the West Palm Beach office, with no third-party brokers.
Product overview
Twin Palms Insurance Group offers a comprehensive portfolio of insurance products across both personal and commercial lines. The company's core offerings include nine distinct insurance products: Business Auto Insurance, Business Liability Insurance, Business Property Insurance, Construction Insurance, Workers Compensation (commercial lines), and Personal Auto Insurance, Homeowners Insurance, Personal Umbrella Insurance, and Renter's Insurance (personal lines). The company emphasizes flexible and intelligent underwriting solutions with coverage tailored to business needs, and does not shy away from complex risks. Founded in 2017, the company serves communities throughout South Florida including Stuart, Tequesta, Jupiter, North Palm Beach, Palm Beach Gardens, West Palm Beach, Port St. Lucie, Hobe Sound, Palm City, and Jensen Beach.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Auto Insurance A business automobile policy (BAP) covering a company's use of cars, trucks, vans, and other vehicles in the course of carrying out its business, including vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes. Targeted at South Florida businesses.
- Business Liability Insurance Protects a company and/or company owner in the event of a formal lawsuit or claim from third parties, covering financial liabilities and legal defense costs. Targeted at South Florida business owners.
- Business Property Insurance Insurance for commercial or business property that protects against risks such as fire, robbery, and natural disasters. Targeted at businesses owning or operating commercial property in South Florida.
- Construction Insurance Provides financial compensation for covered losses to a building or structure during construction. Purchased by building companies, contractors, or other parties with an interest in the property being built.
- Homeowners Insurance Property insurance covering losses or damages to a house and to assets in the home, plus liability coverage against accidents in the home or on the property. Targeted at South Florida homeowners.
- Personal Auto Insurance Policy purchased by vehicle owners to mitigate the costs of car accidents, including financial protection against damage and bodily injury from traffic collisions. Targeted at individual vehicle owners in South Florida.
- Personal Umbrella Insurance Extra liability insurance coverage that goes beyond the limits of the insured's home, auto, or watercraft insurance, providing an added layer of protection against lawsuits. Targeted at individuals at risk of being sued.
- Renters Insurance Property insurance providing coverage for belongings, liabilities, and possibly living expenses in the event of a loss. Available to persons renting or subletting single-family homes, apartments, duplexes, condos, studios, lofts, or townhomes.
- Workers Compensation Covers medical expenses, lost wages, and rehabilitation costs for employees hurt or made sick in the course and scope of their job, plus death benefits to families of employees killed on the job. Targeted at South Florida employers.
Companies that use Twin Palms Insurance Group
Customer profileSegments3 records
Ideal customer profiles3 records
Twin Palms Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Twin Palms Insurance Group partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor.
- Chamber of Commerce of the Palm BeachesminorActive member of the Chamber of Commerce of the Palm Beaches, participating in local business community events and networking opportunities to build brand awareness and business relationships in the South Florida market.
- Real Men Wear PinkminorParticipating in the American Cancer Society's Real Men Wear Pink initiative to support breast cancer awareness and fundraising efforts in the Palm Beach County community.
- Habitat for Humanity Palm Beach CountyminorSupporting Habitat for Humanity Palm Beach County through volunteer efforts and community involvement to help build affordable housing in the local area.
- Great Give PBCminorParticipating in Great Give PBC, a regional giving day for Palm Beach County nonprofits, to support local charitable organizations and community causes.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Twin Palms Insurance Group competitors and assessment
Company assessmentBroad incumbents
- Brown & Brown: National insurance brokerage and agency that distributes commercial and personal lines through a decentralized network of local offices. Highly comparable in product breadth and the local-office distribution model that Twin Palms also uses.
- GEICO: Direct-to-consumer insurance carrier with major market share in personal auto and a growing homeowners presence. Competes directly with Twin Palms' personal lines by removing the intermediary from the buyer journey.
- Progressive: Direct-to-consumer insurance carrier with strong personal auto and increasingly commercial auto presence. Competes with Twin Palms in personal and commercial auto, including via direct channels that disintermediate agencies.
- Hub International: Large insurance brokerage with a similar multi-line, multi-office distribution model serving SMBs and individuals. Operates in similar markets and offers comparable commercial and personal coverage distribution.
- Allstate: National insurance carrier with captive agents and direct channels offering personal and commercial lines. Comparable to Twin Palms in product breadth (auto, home, umbrella, commercial) and serves the same SMB and consumer segments.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with strong SMB and middle-market commercial lines. Comparable in offering the full spectrum of commercial property, casualty, workers comp, and personal lines that Twin Palms distributes.
Direct peers
- Goosehead Insurance: Independent personal lines agency franchise that distributes home, auto, and umbrella coverage through local agents. Operates a comparable multi-line personal insurance distribution model targeting similar customer segments.
Regional players
- Citizens Property Insurance Corporation: Florida's state-backed residual market insurer of last resort for property coverage. Operates in the same Florida geography and policyholders' willingness to use the residual market affects Twin Palms' homeowners placement and commission.
- Florida Peninsula Insurance Company: Florida-specialized property insurance carrier focused on homeowners coverage. Operates in the same geography and product category (homeowners) that is central to Twin Palms' personal-lines book in the catastrophe-prone Florida market.
Emerging players
- Lemonade: Digital-native insurance carrier selling renters, homeowners, auto, and pet insurance directly online. Competes with Twin Palms in the same personal lines (homeowners, renters, auto) but bypasses the agency channel entirely.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Twin Palms Insurance Group social profiles
Digital presenceTwin Palms Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Twin Palms Insurance Group leadership team
Management profileNumber of profiles
Profiles2 records
Twin Palms Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Twin Palms Insurance Group 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 Twin Palms Insurance Group
What does Twin Palms Insurance Group do?
Twin Palms Insurance Group is an independent insurance agency that brokers personal and commercial insurance policies for individuals and small-to-medium businesses across South Florida. The agency sells nine distinct product lines — Business Auto, Business Liability, Business Property, Construction, Workers Compensation, Personal Auto, Homeowners, Personal Umbrella, and Renters Insurance — underwritten by partner carriers. Distribution is direct via phone, website quote forms, email, and scheduled in-person appointments at the West Palm Beach office, with no third-party brokers.
Is Twin Palms Insurance Group a public or private company?
Twin Palms Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Twin Palms Insurance Group founded?
Twin Palms Insurance Group was founded in 2017. It employs 1 to 10 people.
Where is Twin Palms Insurance Group based?
Twin Palms Insurance Group is headquartered in West Palm Beach, United States, in the North America region.
How does Twin Palms Insurance Group make money?
One revenue line is on record: insurance Premiums.
Who are Twin Palms Insurance Group's main competitors?
Broad incumbents on record are Brown & Brown, GEICO, Progressive, Hub International, Allstate and Arthur J. Gallagher & Co.. Goosehead Insurance is listed as a direct peer. Regional players are Citizens Property Insurance Corporation and Florida Peninsula Insurance Company. Lemonade is listed as an emerging player.
Does Twin Palms Insurance Group have an API?
No public API is recorded for Twin Palms Insurance Group.
What industry is Twin Palms Insurance Group in?
Twin Palms Insurance Group's product category is Insurance Agency Services. Its primary akta.pro industry code is FSAJAFAB, Mid-Market Commercial Package (Package Policies), with a secondary code of FSAJAFAI, Real Estate / Lessors Risk BOP. Its NAICS code is 5242 and its SIC code is 6411.