Panhandle Insurance

Name

Panhandle Insurance

Legal name

Panhandle Insurance, Inc.

Website

https://mypanhandleinsurance.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

Panhandle Insurance, Inc. is an independent Florida insurance agency founded in 1987 that markets health, life, dental, disability, and cancer insurance to employers in Calhoun and Liberty Counties, earning commissions on $5.2 million in managed annual premiums.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)

Keywords

• Group health insurance
• Employee benefits brokerage
• Group life insurance
• Supplemental insurance plans
• Insurance agency services

Headquarters

HQ city

Blountstown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Products Commission: Panhandle Insurance generates revenue through commissions on insurance products sold, including health, life, dental, disability, and cancer insurance. The company manages annual premiums totaling $5.2 million dollars.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Panhandle Insurance is an independent insurance agency headquartered in Blountstown, Florida, that markets, evaluates, negotiates, and administers group health, life, dental, disability, and cancer insurance for employers and their employees across Calhoun and Liberty Counties. The firm manages $5.2 million in annual premiums and provides on-site employer visits, employee enrollment, claims assistance, supplemental plan installation, group proposal negotiation, employee workshops, and physician network integration services that connect local doctors with carrier networks.

Product overview

Panhandle Insurance offers a portfolio of insurance products and services centered around marketing and administering health, life, dental, disability, and cancer insurance to employers and individuals in the Florida Panhandle region. The core offering consists of insurance marketing services, coverage evaluation, and enrollment assistance, supplemented by claims support, employee workshops, and physician network integration services. The company serves public entities, nonprofit organizations, and private industries throughout Calhoun and Liberty Counties with annual premiums totaling $5.2 million.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Services Marketing, evaluation, aggressive negotiation, and enrollment services for group health insurance coverage for employers and employees in Calhoun and Liberty Counties.
• Life Insurance Services Marketing and evaluation of life insurance products offered to employer groups and individuals across the Florida Panhandle region.
• Dental Insurance Services Marketing and evaluation of dental insurance coverage options for employer groups and individual members in Calhoun and Liberty Counties.
• Disability Insurance Services Marketing and evaluation of disability insurance products designed to protect employees' income, offered to employer groups across the Florida Panhandle.
• Cancer Insurance Services Marketing and evaluation of supplemental cancer insurance plans for employer groups and individual members in the Florida Panhandle region.

Quantifiable outcome

• $5.2 million in annual premiums managed

Named customers1 record

Segments3 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.

• Calhoun Liberty HospitalminorOthersPanhandle Insurance sponsors Calhoun Liberty Hospital's Health Screening Day. Additionally, Panhandle Insurance provides Physician Relations services, incorporating local doctors into various carrier networks to expand access to healthcare for employees of their client organizations.

Scale indicators3 records

Recent moves5 records

Expansion highlights2 records

Broad incumbents

• Brown & Brown, Inc. Large publicly traded insurance brokerage with extensive retail offices across the Southeast, including Florida; competes with Panhandle for group benefits business and historically acquires small local agencies like Panhandle.
• Lockton Companies: Largest independent insurance brokerage in the U.S., with significant employee benefits practice serving mid-market and large employers; overlaps with Panhandle in group health and supplemental benefits product categories.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a substantial middle-market employee benefits practice; competes in the same product categories as Panhandle at much greater scale.
• HUB International: Large North American insurance brokerage built largely through acquisition of regional independents; comparable product set (group benefits, commercial, personal lines) and active acquirer of small agencies like Panhandle.

Others

• Assurex Global: Worldwide partnership network of independent commercial insurance, risk management, and employee benefits agencies; comparable to Panhandle as a peer ecosystem and a potential partnership pathway for a small agency seeking carrier and capability access.

Regional players

• PayneWest Insurance: Regional independent insurance brokerage serving the Pacific Northwest with employee benefits, commercial, and personal lines; comparable multi-line local agency model in a similarly rural/suburban footprint.
• Cross Insurance: Regional Northeast insurance agency and brokerage offering employee benefits, commercial, and personal lines through a network of local offices; structurally similar to Panhandle as a community-anchored multi-line agency, though operating in a different geography.

Direct peers

• RPS (Risk Placement Services): Specialty insurance brokerage that distributes employee benefits and personal lines through a network of partner agents; comparable to Panhandle as a brokerage intermediary focused on multi-line placements for small/mid-market clients.
• Higginbotham: Independent insurance brokerage that partners with and acquires local agencies across Texas, Oklahoma, and the Southeast, offering group health, life, disability, and supplemental benefits to mid-market employers — directly comparable to Panhandle's model and a logical acquirer of a small rural Florida book.
• The Liberty Company Insurance Brokers: Independent regional insurance brokerage selling group benefits and commercial lines through a partnership model with local agents; highly comparable in go-to-market and product mix to Panhandle Insurance.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/panhandle-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Panhandle Insurance