Insurance Services Of Central Florida, Inc.

What Insurance Services Of Central Florida, Inc. does

Insurance Services of Central Florida, Inc. is a privately held independent insurance agency founded in 1980 and headquartered in Sanford, Florida. The firm operates five offices across the state (Sanford, Palmetto, Titusville, Dade City, Clermont) under a parent brand with named sub-brands including D'Amico & Associates, Livengood & Associates, and Tony Russi Insurance. As an independent agency, it represents more than 40 insurance carriers, including Allstate, Nationwide, Liberty Mutual, Travelers, CNA, The Hartford, MetLife, Cigna, Humana, UnitedHealthcare, and Florida-specific providers such as Tower Hill and Citizens Property Insurance Corporation.

The agency's core product set spans four lines: Personal Insurance (auto, homeowners, renters, motorcycle, boat/watercraft, RV, life, liability); Commercial Insurance (general liability, commercial property, BOP, commercial auto, workers' compensation, professional liability, cyber liability, umbrella/excess); Employee Benefits brokerage (group health, dental, vision, disability, voluntary benefits, executive benefits, compliance and wellness); and individual Financial Services (life, annuities, long-term care, supplemental products). Products are delivered through licensed agents by phone, in-person at branch offices, and via a website-based online quote portal backed by secure-one.co for service requests and anytime.anddone.com for premium payments. The technology stack is standard agency operations — no proprietary AI/ML capabilities, no public API, and no custom software product were identified.

The business model is commission-based revenue (classified as affiliate_referral) earned by placing customer policies with carrier partners. Pricing is quote-based and varies by individual risk profile; the firm does not publish tiered pricing. Go-to-market is sales-led, combining local offline relationships in Florida communities with website-driven inbound quote capture and referral/partner channels through Manatee, West Orange, Hispanic, and Greater Orlando chamber memberships. Customer segments span individuals/families, small-to-mid-sized businesses, employers seeking group benefits, and individuals seeking financial products, with no enterprise logos or large-anchor accounts disclosed. Ownership is independent with no parent company, PE backing, or institutional investment indicated; leadership is led by President and CEO James Cleveland.

Name

Insurance Services Of Central Florida, Inc.

Legal name

Insurance Services of Central Florida, Inc.

Website

https://iscf.biz

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

Insurance Services of Central Florida is a privately held independent insurance agency founded in 1980, operating five offices across Florida. It serves individuals, families, and small-to-mid-sized businesses by brokering personal, commercial, employee benefits, and financial products through 40+ carrier appointments.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Full-Coverage Personal Auto Insurance (FSAJAAAF), Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Independent insurance agency
• Personal insurance lines
• Commercial insurance lines
• Employee benefits brokerage
• Financial services products

Headquarters

HQ city

Sanford

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Insurance Services of Central Florida earns commissions from the insurance carriers they represent. They receive compensation when customers purchase policies from carriers in their network. The agency represents over 40 insurance companies including Allstate, Nationwide, Liberty Mutual, Travelers, CNA, Hartford, and many others.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Insurance Services of Central Florida is an independent insurance agency that sells personal, commercial, employee benefits, and financial services insurance policies through licensed agents. As an independent agency, it represents over 40 insurance carriers (Allstate, Nationwide, Liberty Mutual, Travelers, CNA, Hartford, Tower Hill, Citizens, Cigna, Humana, UnitedHealthcare, MetLife, Mutual of Omaha, UNUM, Zurich, and others) and compares coverage and pricing across them to match customers with policies. Distribution is via phone, online quote forms, and five Florida office locations.

Product overview

Insurance Services of Central Florida is an independent insurance agency that does not offer a single unified software product but rather provides a portfolio of insurance products and services through multiple insurance carrier relationships. The core offerings include Personal Insurance (auto, homeowners, renters, motorcycle, boat, RV, life, and liability) and Commercial Insurance (BOP, commercial auto, workers' comp, cyber liability, umbrella). The agency also provides Employee Benefits brokerage services and Financial Services products. These products are accessed through online quote forms, secure client portals (secure-one.co), and bill payment systems (anytime.anddone.com), all operated in conjunction with multiple insurance carrier partners. No AI/ML-powered product capabilities or public API offerings were identified.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

23 partnerships are on record, tiered core and minor.

• AllstatecoreOthersMajor national insurance carrier represented by the agency for personal and commercial insurance products. Allstate offers auto, home, and business insurance through the agency.
• NationwidecoreOthersMajor national insurance carrier represented by the agency offering auto, home, and business insurance products.
• Liberty MutualcoreOthersMajor national insurance carrier represented by the agency for auto, home, and business insurance coverage.
• TravelerscoreOthersMajor national insurance carrier represented by the agency offering personal and commercial insurance products.
• CNAcoreOthersMajor commercial insurance carrier represented by the agency for business insurance products including commercial property and liability.
• The HartfordcoreOthersMajor insurance carrier represented by the agency offering auto, home, and business insurance, including AARP-specific products.
• Tower Hill InsurancecoreOthersFlorida-based insurance carrier represented by the agency specializing in Florida home insurance coverage.
• Citizens Property Insurance CorporationcoreOthersFlorida state-chartered insurance company represented by the agency for property insurance in Florida.
• CignacoreOthersMajor health insurance carrier represented by the agency for individual and employer group health insurance products.
• HumanacoreOthersMajor health insurance carrier represented by the agency for employer health insurance products.
• UnitedHealthcarecoreOthersMajor health insurance carrier represented by the agency offering health coverage options.
• American Modern Insurance GroupminorOthersSpecialty insurance carrier represented for manufactured housing and specialty property coverage.
• HagertyminorOthersSpecialty insurance carrier represented for classic car and collector vehicle insurance coverage.
• Auto-Owners InsurancecoreOthersRegional insurance carrier represented offering auto, home, and business insurance products.
• MetLifecoreOthersMajor national insurance carrier represented for auto, home, and life insurance products.
• Mutual of OmahacoreOthersMajor insurance carrier represented offering health, life, and supplemental insurance products.
• UNUMcoreOthersMajor carrier represented for employee benefits including disability, life, and supplemental insurance.
• Zurich Insurance ServicescoreOthersMajor global insurance carrier represented for commercial insurance products.
• Genworth FinancialminorOthersInsurance carrier represented for long-term care and life insurance products.
• Manatee Chamber of CommerceminorOthersLocal business chamber membership for networking and community engagement in the Manatee County area.
• West Orange Chamber of CommerceminorOthersLocal business chamber membership for networking and community engagement in the West Orange County area.
• Hispanic Chamber of CommerceminorOthersChamber membership supporting Hispanic business community engagement.
• Greater Orlando Business Association (GOBA)minorOthersBusiness association membership for networking and business development in the Greater Orlando area.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Brown & Brown, Inc. Florida-headquartered independent insurance brokerage and agency (Daytona Beach HQ) that distributes P&C, benefits, and personal lines through retail offices across the U.S. — directly comparable to ISCF as a Florida-rooted independent distribution platform with extensive carrier appointments.
• Acrisure: Fast-growing, tech-enabled insurance brokerage built largely through agency roll-ups; competes for the same independent agency talent pool and SMB/middle-market accounts that ISCF serves.
• Lykes Insurance: Florida-based independent insurance agency offering personal, commercial, and benefits lines across multiple state offices. Closely comparable to ISCF in scale, product breadth, and Florida-centric independent agency model.
• Foundation Risk Partners: Florida-based (Daytona Beach) insurance brokerage built through acquisitions of independent agencies across the Eastern U.S. Highly comparable to ISCF in independent agency distribution, commercial/personal/benefits mix, and roll-up playbook.
• The Hilb Group: Middle-market insurance brokerage with multiple Florida offices, focused on P&C, benefits, and personal lines. Comparable to ISCF in regional Florida footprint and broad-carrier independent agency model.
• Hub International: Large North American insurance brokerage with a meaningful Florida retail presence and a roll-up acquisition strategy. Comparable to ISCF in multi-line personal/commercial/benefits distribution and agency tuck-in growth model.

Broad incumbents

• Lockton Companies: Largest privately held insurance brokerage globally with commercial, benefits, and personal lines practices. Comparable as an incumbent serving SMB and middle-market segments overlapping with ISCF.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with extensive U.S. retail and benefits operations. Comparable as a much larger incumbent offering overlapping P&C and employee benefits capabilities.

Others

• Assurex Global: Worldwide alliance of independent commercial insurance and risk-management brokerages; relevant as an aggregator that Florida independents like ISCF could join to access larger accounts and specialty resources.
• Florida Peninsula Insurance Company: Florida-only homeowners insurance carrier closely tied to ISCF's distribution flow of property placements; relevant as a carrier-side counterpart rather than a competing agency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/InsuranceServicesOfCentralFlorida
• LinkedInlinkedin.com/company/insurance-services-of-central-florida

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Insurance Services Of Central Florida, Inc.