The Right Choice Insurance Agency

What The Right Choice Insurance Agency does

The Right Choice Insurance Agency is a privately held, independent insurance brokerage founded in 2009 and headquartered at 10231 Metro Pkwy Ste 104, Fort Myers, Florida. The agency operates as a franchise of WE Insure while retaining local ownership and management, distributing personal, commercial, life, and health insurance products on behalf of more than 75 top-rated carriers to individuals, families, and small businesses across Florida.

Its core product surface spans three categories: personal lines (auto, motorcycle, classic car, boat and watercraft, RV and motorhome, motorsport and ATV, homeowners, renters, condo, landlord, flood, and umbrella); commercial lines (Business Owner's Policy, general liability, commercial auto, commercial property, workers' compensation, commercial umbrella, cyber, inland marine, special event, and specialty); and life and health coverage. The underlying 'technology' is the carrier-brokerage and advisory layer — there is no proprietary software product, AI system, or API surface disclosed. Distribution runs through direct sales: a website with quote-request forms, phone (239-313-2045), and email ([email protected]), supported by an educational blog.

The business model is commission-based revenue earned from carriers on policies placed, with the agency acting as an independent broker comparing options and bundling coverage. Pricing is quote-based and individualized, with monthly billing cadence for in-force policies. Go-to-market is sales-led consultative selling, targeting Florida-resident individuals, vehicle and homeowners, and small-to-mid business owners. The firm is privately held, has 11-50 employees, reports GLBA-compliant handling of nonpublic personal information, and has no disclosed funding rounds, M&A activity, or outside investors.

Name

The Right Choice Insurance Agency

Legal name

Right Choice Insurance

Website

https://rightchoiceins.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

The Right Choice Insurance Agency is a Fort Myers-based independent insurance brokerage and WE Insure franchise distributing personal, commercial, life, and health coverage from 75+ carriers to Florida families and small businesses via consultative direct sales.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance brokerage
• Auto home insurance
• Business insurance coverage

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, Right Choice Insurance earns commissions from insurance carriers for policies placed. They compare and recommend coverage from multiple carriers, earning commission-based compensation from those carrier relationships.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

The Right Choice Insurance Agency is an independent insurance brokerage that sells personal and commercial insurance policies on behalf of 75+ top-rated insurance carriers. It places coverage for Florida individuals, families, and businesses across personal lines (auto, home, recreational vehicles, umbrella) and commercial lines (BOP, general liability, commercial auto, property, workers' comp, cyber, and specialty), earning carrier commissions on bound policies.

Product overview

Right Choice Insurance is an independent insurance agency offering a broad portfolio of insurance products across three main categories: Personal Insurance (auto, motorcycle, classic car, boat, RV/motorhome, motorsport/ATV, homeowners, renters, condo, landlord, flood, and umbrella), Business Insurance (BOP, general liability, commercial auto, commercial property, workers' compensation, commercial umbrella, cyber, inland marine, special event, and specialty coverage). The agency acts as a broker, working with over 75 top-rated insurance carriers to compare options and recommend tailored coverage for individuals, families, and Florida businesses. As an independent franchise of WE Insure, the agency provides advisory services rather than a unified software product.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Comprehensive auto insurance coverage for Florida drivers, including liability, collision, comprehensive, uninsured motorist, and Personal Injury Protection (PIP) coverage.
• Motorcycle Insurance Specialized coverage for motorcycle riders in Florida, including liability, collision, comprehensive, medical payments, and custom parts coverage.
• Classic Car Insurance Insurance coverage designed for classic and collector vehicles.
• Boat & Watercraft Insurance Coverage for boats and watercraft vessels for Florida owners.
• RV & Motorhome Insurance Insurance coverage for recreational vehicles and motorhomes.
• Motorsport & ATV Insurance Coverage for motorsport vehicles and all-terrain vehicles.
• Homeowners Insurance Comprehensive coverage for Florida homeowners protecting property, belongings, and finances against damage, theft, or liability, including dwelling, personal property, liability, and loss of use coverage, with Florida hurricane coverage.
• Renters Insurance Coverage for renters to protect personal belongings and liability.
• Condo Insurance Condominium insurance protecting living space, belongings, and personal liability within condo communities, filling gaps where the association's master policy does not cover.
• Landlord Insurance Insurance coverage for landlords protecting rental properties.
• Flood Insurance Separate flood insurance coverage, as standard homeowners policies do not cover flood damage.
• Personal Umbrella Insurance Personal umbrella liability coverage providing additional protection beyond primary policy limits.
• Business Owner's Policy (BOP) Business Owner's Policy package combining general liability and commercial property coverage for businesses.
• General Liability Insurance Commercial General Liability insurance covering third-party claims for bodily injury, property damage, and personal/advertising injury arising from business activities.
• Commercial Auto Insurance Coverage for vehicles used in business operations, including liability, physical damage, medical payments, uninsured motorist, and hired/non-owned auto liability.
• Commercial Property Insurance Insurance coverage for commercial properties.
• Workers' Compensation Insurance Coverage for employee workplace injuries and related medical costs.
• Commercial Umbrella Insurance Additional liability coverage for businesses extending beyond commercial policy limits.
• Cyber Insurance Coverage for cyber risks and digital threats to businesses.
• Inland Marine Insurance Coverage for goods and equipment in transit over land.
• Special Event Insurance Insurance coverage for special events.
• Specialty Insurance Customized specialty insurance solutions for unique coverage needs not addressed by standard policies.

Quantifiable outcome

• 2,500+ clients served
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• 75+ Insurance CarrierscoreOthersAs an independent agency, they work with 75+ top-rated insurance carriers to compare rates and find coverage that fits each client's needs. These carrier relationships enable them to provide unbiased recommendations and competitive pricing.

Scale indicators4 records

Recent moves1 record

Expansion highlights3 records

Broad incumbents

• Brown & Brown, Inc. Brown & Brown is a large U.S. insurance brokerage and risk management firm headquartered in Daytona Beach, Florida. It is comparable as a broad incumbent operating in the same Florida market with overlapping personal and commercial brokerage offerings, but at materially greater scale and with a much broader service portfolio.
• Marsh McLennan: Marsh McLennan is a global insurance brokerage and advisory firm serving commercial and personal lines clients. It is a broad incumbent peer because it operates in the same brokerage category but is heavily weighted toward enterprise risk and large commercial accounts.
• State Farm: State Farm is the largest U.S. personal lines carrier with a captive agent distribution model. It is comparable as a broad incumbent because it competes for the same auto, home, and small commercial customers in Florida, though only through its own proprietary product set.
• Hub International: Hub International is a large North American insurance brokerage offering personal, commercial, and specialty lines through a multi-carrier distribution model. It is comparable as a broad incumbent because it competes for the same small commercial and personal accounts but operates at a much larger scale and national footprint.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm placing personal, commercial, and specialty coverage through multiple carriers. It is a broad incumbent peer because it competes for the same commercial lines clients but with deeper specialty resources and an enterprise-scale platform.
• Allstate Insurance Company: Allstate is a large national personal lines carrier with a captive agent distribution model. It is comparable as a broad incumbent because its agents distribute the same core personal lines (auto, home, umbrella) that Right Choice brokers, even though Allstate sells its own products rather than a multi-carrier panel.

Direct peers

• Goosehead Insurance: Goosehead Insurance is a publicly traded independent insurance agency operating through a franchise and corporate-owner model, distributing personal and commercial lines across multiple carriers. It is comparable to Right Choice because it shares the franchise-based retail brokerage architecture and multi-carrier distribution approach.
• WE Insure: WE Insure is the franchisor of Right Choice Insurance and operates an independent insurance franchise network across the U.S. with the same multi-carrier brokerage model. It is the closest organizational and operational peer because Right Choice both operates under and competes with other WE Insure franchisees in Florida for the same customer base.
• Brightway Insurance: Brightway is a Florida-headquartered independent insurance franchise with a multi-carrier retail agency model. It is directly comparable to Right Choice because it shares the same franchise-distributed, multi-line personal and commercial brokerage model targeting Florida residents and small businesses.

Emerging players

• Lemonade, Inc. Lemonade is a direct-to-consumer insurtech offering renters, home, auto, and pet insurance through a mobile-first platform. It is an emerging player peer because it targets the same Florida consumer buyer with a digital-first model that bypasses traditional brokers like Right Choice and pressures the value proposition of human-advisor distribution.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/rightchoice-insurance-company

Compliance1 record

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 The Right Choice Insurance Agency