C & C INSURANCE, INC

What C & C INSURANCE, INC does

C & C Insurance, Inc. is a privately held independent insurance agency founded in 1999 and headquartered in Pembroke Pines, Florida, with a secondary office in Deerfield Beach. The firm operates a multi-line insurance distribution model spanning personal lines (homeowners, auto, life, health), commercial lines (business, workers compensation, commercial auto), and a specialized transportation/trucking practice serving Southeast US commercial fleets. As an independent agency, C & C represents four primary carriers — MetLife, Zurich, Travelers, and Progressive — and earns revenue through commissions on policies placed with those carriers.

The agency runs a "fully automated" back-office platform the firm uses to accelerate Certificates, Binders, and ID Cards. Distribution is sales-led and relationship-driven: agents deliver quoted consultations across product lines, supported by online quote forms and inbound phone. The firm has approximately 17 listed staff handling origination, servicing, and back-office across two physical locations, with founders Steve Clein and Amy Clein appearing as primary contacts and additional principals (Pablo Duque, Sandra Carro, Cathy Leach) heading product/service lines.

C & C generates revenue almost exclusively from insurance carrier commissions under a quote-based, monthly billing model, holds no proprietary technology or external funding, and maintains memberships in three industry associations — Florida Association of Insurance Agents, Independent Insurance Agents of Broward County, and Trusted Choice — which provide referral flow and brand affiliation. Geographic concentration is in Florida with stated nationwide servicing capability anchored on carrier relationships.

Name

C & C INSURANCE, INC

Legal name

C & C Insurance, Inc.

Website

https://candcinsurance.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

C & C Insurance is a privately held Florida-based independent insurance agency founded in 1999, offering personal, commercial, life, health, and transportation insurance through carrier partnerships with MetLife, Zurich, Travelers, and Progressive.

Ownership category

akta.pro rank

Headquarters

HQ city

Pembroke Pines

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, Technology or R&D, Others

Revenue model

1. Insurance Commissions: As an independent insurance agency, C & C Insurance earns revenue through commissions from insurance carriers (MetLife, Zurich, Travelers, Progressive) for policies sold to customers. The agency represents a carefully selected group of financially sound, reputable insurance companies to offer policies matching customer needs at competitive prices.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

C & C Insurance, Inc. is an independent multi-line insurance agency that sells personal, commercial, life, health, and specialty transportation insurance policies to individuals, families, and businesses. As an independent agency, the firm represents multiple insurance carriers including MetLife, Zurich, Travelers, and Progressive, earning commissions on policies placed. The agency serves Florida customers and others nationwide through two physical offices, phone-based consultation, and an online quote request system, with fully automated processing for Certificates, Binders, and ID Cards.

Product overview

C & C Insurance, Inc. is an independent multi-line insurance agency offering a portfolio of core insurance products through a network of carrier partnerships. The company provides Homeowners Insurance, Car Insurance, Business Insurance, Life Insurance, Health Insurance, and Transportation Insurance as its primary product lines. Each core product area includes specialized sub-products and coverage options tailored for Florida residents and businesses. The agency operates as a fully automated insurance agency enabling faster services on Certificates, Binders, and ID Cards. As an independent agency, they represent multiple financially sound insurance carriers including MetLife, Zurich, Travelers, and Progressive to match customer needs at competitive prices.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Property coverage protecting Florida homeowners and property owners against fire, wind, lightning, flood, and personal property theft or loss. Includes options for category limits, per-item limits, and catastrophic liability decisions. Sold to individual consumers and families through the agency's independent agent model across multiple carrier partners.
• Car Insurance Auto insurance coverage for Florida drivers, including liability insurance and coverage under Florida's No Fault state legal requirements. Coverage scope varies based on vehicle details, driving record, residence address, and other individual factors, and is shopped across the agency's multiple carrier partners for competitive pricing.
• Business Insurance Insurance protection for Florida businesses ranging from home-based startups to established enterprises, sourced through multiple insurance companies and covering business liability and operational risks. Sold to small and mid-sized business owners in Florida and nationwide through the independent agency model.
• Life Insurance Life insurance products helping families prepare for unexpected death and long-term financial security needs, including term life, universal life, and variable life options. Sold to individuals and families through the agency's independent agent model and carrier partners.
• Health Insurance Healthcare coverage protecting individuals and families against hospitalization, disease, illness, and injury expenses. Offers both indemnity plans (fee-for-service) and managed care plans sourced through the agency's carrier relationships.
• Transportation Insurance Commercial trucking insurance for fleet operators, including Motor Truck General Liability, Bobtail Insurance, Physical Damage, Motor Truck Cargo, Fleet Insurance, and Refrigeration Breakdown coverage. Targeted at commercial trucking fleets operating in the Southeast United States.

Named customers2 records

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

Seven partnerships are on record, tiered core and minor.

• MetLifecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing insurance products to customers through C & C Insurance agency distribution channel.
• ZurichcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing insurance products to customers through C & C Insurance agency distribution channel.
• TravelerscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing insurance products to customers through C & C Insurance agency distribution channel.
• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing insurance products to customers through C & C Insurance agency distribution channel.
• Florida Association of Insurance AgentsminorOthersIndustry association membership providing professional networking, industry resources, and credibility through affiliation.
• Independent Insurance Agents of Broward CountyminorOthersLocal industry association membership providing professional networking, industry resources, and credibility through local affiliation.
• Trusted ChoiceminorOthersInsurance brand network providing independent agents with brand recognition and marketing support.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Alera Group: PE-backed aggregator of independent insurance agencies across the US with material Florida presence. Directly comparable multi-line independent agency model to C & C Insurance, and an example of the consolidator model that could acquire or compete against smaller agencies.
• Hub International: North American insurance brokerage with strong Florida operations across personal, commercial, and specialty lines. Comparable multi-line, multi-carrier independent agency model but at substantially greater scale and PE-backed ownership.
• Brown & Brown Insurance: Large publicly-traded US insurance brokerage with deep Florida presence across personal, commercial, and specialty lines. Operates as an independent agency model with multi-carrier appointments, directly comparable in product breadth to C & C Insurance but at vastly greater scale.
• Marsh McLennan: Global insurance brokerage and risk management firm with major Florida operations across personal, commercial, and specialty lines. Overlaps with C & C Insurance's product offering but operates at enterprise scale targeting larger commercial accounts.
• Acrisure: Fast-growing PE-backed insurance brokerage aggregator with significant Florida operations. Operates independent agency model across personal, commercial, and specialty lines; directly comparable to C & C in product mix but with vastly greater scale and capital base.

Direct peers

• Brightway Insurance: Florida-based independent insurance franchise agency offering homeowners, auto, commercial, life, and specialty products. Same multi-line independent agency model and same Florida home-market focus as C & C Insurance, with a franchise-driven growth approach.
• Insurance Office of America (IOA): Florida-headquartered independent insurance agency offering personal, commercial, life, and group benefits across multiple states. Closest direct geographic and product-line peer to C & C Insurance with similar multi-carrier independent agency model.
• Frank Winston Crum Insurance: Florida-based commercial insurance agency with strong workers' compensation, commercial auto, and trucking specialization. Comparable Southeast US geographic focus and transportation/trucking niche overlap with C & C Insurance's commercial transportation book.
• Goosehead Insurance: Public independent insurance agency franchisor offering homeowners, auto, and commercial lines via multi-carrier appointments. Closely comparable operating model to C & C Insurance, including Florida state focus, though distributed via franchise rather than direct employees.

Emerging players

• Lemonade: Direct-to-consumer insurtech offering homeowners, renters, auto, and pet insurance via a mobile-first platform. Indirect competitive overlap with C & C Insurance's personal lines in Florida and represents the structural threat of digital-first distribution to traditional brokerages.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

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 C & C INSURANCE, INC