July 2026 — Insurance new business activity in Florida

Florida's insurance market is growing again. State regulators say 20 property and casualty insurers have entered the market since the recent reforms, private carriers keep taking over policies from state-backed Citizens, and new agencies, adjusting firms, and managing general agents are registering with the state to serve them. Note the timing: the clearest developments below are June carrier and market moves, not brand-new July news.

New insurance businesses are forming fastest in Southeast Florida. Every new insurance agency, adjusting firm, or managing general agent draws on a predictable set of supporting businesses to open. They need errors-and-omissions coverage, agency-management-system and rater software, compliance and licensing consultants, bookkeepers and accountants, IT and phone-system installers, marketing and lead-gen help, and office space and signage. Each new formation adds to the local demand for those services.

The counts below show where new insurance businesses are registering, by region, over the last 30, 90, and 365 days. Under them is the recent news insurance owners are watching, from carrier reinsurance deals to a shrinking Citizens, with the specific businesses each move creates work for. The state licensing rules and programs live at the bottom, in Insurance Resources.

New insurance businesses by region, over the last 30, 90, and 365 days. Regions are ranked by the last year.

Another 74,274 new businesses in the last year did not list a county, so they are counted in the Florida total but not placed in a region.

New developments insurance owners are watching right now, with the real date of each and the specific businesses it creates work for. Insurance is regulated statewide, so the clearest news clusters around the Tampa Bay carriers and the Central Florida brokerage, and the strongest items this month are June moves rather than July news.

• Statewide· announced 2026-06-23

  Citizens locks in $2.82 billion of storm coverage for the 2026 season

  At its June 23 board meeting, Florida's state-backed insurer Citizens secured $2.82 billion in reinsurance for the 2026 hurricane season. Reinsurance prices fell nearly 30% over the past year, and the program lets Citizens pay claims from a 1-in-360-year storm without charging extra fees to Florida policyholders. As Citizens keeps shrinking and private carriers take over its policies, brand-new Florida insurance agencies, claims-adjusting firms, and managing general agents are forming. Each one adds demand for errors-and-omissions insurers, agency-management-system and rater vendors, and compliance consultants. A smaller, well-funded Citizens shields Florida consumers from post-storm assessments and signals a healthier, more competitive private insurance market.

  Source: Citizens Property Insurance Corporation

• Statewide· announced 2026-06-03

  Kin tops 250,000 home policies and $6 million in auto premium

  On June 3, Florida-focused insurtech Kin reported its home policies in force passed 250,000 and its newer auto line topped $6 million in gross written premium. Kin writes most of its business in Florida and runs its reciprocal exchanges in the state. A fast-growing carrier draws on independent agents, licensed adjusters, IT and phone-system installers, marketing and lead-gen help, and back-office staffing firms. Demand for those services widens as the book grows. Kin's growth adds insurance-sector jobs and expands coverage choices for Florida homeowners.

  Source: Kin Insurance

• Tampa Bay· announced 2026-06-05

  Tampa's Slide adds a $100 million catastrophe bond before hurricane season

  On June 5, Tampa-based Slide Insurance closed an additional $100 million catastrophe bond through its Purple Re Ltd. program, adding claims-paying capacity for the 2026 hurricane season. A growing Tampa carrier creates work for reinsurance and risk-modeling consultants, licensed adjusters, agency-management-system vendors, and office space, signage, and staffing providers. More private catastrophe capital in Florida's market strengthens claims-paying ability and supports high-skill finance jobs in Tampa Bay.

  Source: Slide Insurance

• Central Florida· announced 2026-06-24

  Daytona's Brown & Brown adds a growth-and-specialization leader

  On June 24, Daytona Beach-based insurance brokerage Brown & Brown named Neil Krauter Sr. as executive managing director for growth and specialization in its retail segment, a signal of continued expansion at one of the world's largest brokerages. A national brokerage headquartered in Central Florida keeps hiring and acquiring. New satellite offices and specialty units need errors-and-omissions coverage, marketing and lead-gen help, accountants and bookkeepers, and office space and signage. Brown & Brown's expansion keeps high-paying insurance jobs anchored in Central Florida.

  Source: Brown & Brown, Inc.

• Statewide· announced 2026-06-30

  Kin's Florida reciprocals cut reinsurance costs 25%

  On June 30, Kin said its reciprocal exchanges cut catastrophe reinsurance costs by 25% for the 2026 hurricane season, lowering a major expense as it grows its Florida book. Lower reinsurance costs let the carrier grow faster in Florida, opening room for new independent agents, adjusters, and IT and back-office vendors as the exchanges expand. Cheaper reinsurance passed through a Florida carrier supports more affordable coverage for homeowners.

  Source: Kin Insurance

• Southeast Florida· 2026-05-15

  Florida Peninsula approved to take Citizens policies in 2026

  On May 15, 2026, the Florida Office of Insurance Regulation approved Boca Raton-based Florida Peninsula Insurance to assume policies from state-backed Citizens, with take-out dates set for August, September, and October 2026 (OIR order 402860-26-CO). The approval grows the carrier's Southeast Florida book. A growing Southeast Florida carrier leans on independent agents, licensed adjusters, agency-management-system vendors, and back-office staffing firms. New agencies and adjusting firms keep forming to service the added policies. Shifting policies from Citizens to a private carrier lowers the state's storm risk and gives Southeast Florida homeowners more coverage choices.

  Source: Florida Office of Insurance Regulation

• Tampa Bay· 2026-03-16

  Manatee Insurance Exchange approved for 2026 Citizens take-outs

  On March 16, 2026, the Florida Office of Insurance Regulation approved Manatee Insurance Exchange to assume Citizens policies, with take-out dates running from June through September 2026 (OIR order 402580-26-CO). It grows the exchange's policy count across the Tampa Bay region. A Tampa Bay carrier taking on more policies draws on independent agents, licensed adjusters, agency-management-system and rater vendors, and back-office staffing firms. New agencies and adjusting firms keep forming to handle the work. Moving policies off Citizens into a private carrier trims the state's risk and steadies the Tampa Bay insurance market.

  Source: Florida Office of Insurance Regulation

• Tampa Bay· 2026-06-15

  Slide Insurance cleared for more 2026 Citizens take-outs

  On June 15, 2026, the Florida Office of Insurance Regulation cleared Tampa-based Slide Insurance for added Citizens take-outs, with assumption dates in September 2026 (OIR orders 402961-26-CO and 402962-26-CO). Slide already holds a large Florida homeowners book. A fast-growing Tampa carrier creates work for licensed adjusters, agency-management-system vendors, reinsurance and risk-modeling consultants, and office space, signage, and staffing providers. More Citizens policies moving to a well-capitalized Tampa Bay carrier eases the strain on state-backed coverage and supports local insurance jobs.

  Source: Florida Office of Insurance Regulation

• Northwest Florida· 2026-05-21

  Florida's CFO brings the hurricane-prep tour to Santa Rosa County

  On May 21, 2026, Florida CFO and State Fire Marshal Blaise Ingoglia made the third stop of the state's hurricane preparedness tour in Santa Rosa County, in the Panhandle. He told residents to review their home and flood insurance before the season started on June 1, compare options for the best value, and verify the license of any contractor or adjuster before hiring. A new hurricane season pushes Panhandle homeowners to shop coverage and harden their homes. New insurance agencies, public adjusting firms, wind-mitigation inspectors, roofers, and shutter installers keep forming to meet that demand. Early preparation helps Northwest Florida families avoid uninsured storm losses and keeps recovery dollars in the local economy.

  Source: Florida Department of Financial Services (MyFloridaCFO)

• Northeast Florida· announced 2026-05-29

  Jacksonville's Fortegra completes its $1.65 billion sale to DB Insurance

  On May 29, 2026, Jacksonville-based specialty insurer Fortegra Group said it completed its acquisition by South Korea's DB Insurance in a deal valued at about $1.65 billion. Fortegra said it will keep operating independently from Jacksonville, with its existing leadership team, distribution partners, and underwriting. A well-funded specialty insurer anchored in Northeast Florida keeps hiring and adds program and agency partners. New managing general agents, wholesale brokers, licensed adjusters, IT and back-office vendors, and staffing firms all get work. Foreign investment in a Jacksonville insurer keeps high-paying specialty-insurance jobs anchored on the First Coast.

  Source: The Fortegra Group, Inc.

• Southeast Florida· 2026-05-26

  Florida's CFO takes the hurricane-prep tour to Fort Lauderdale

  On May 26, 2026, Florida CFO Blaise Ingoglia made the fourth stop of the state's hurricane preparedness tour in Fort Lauderdale, in Broward County. He told residents to check their home and flood insurance and compare options, and to verify the license of any contractor or adjuster before signing anything after a storm. Broward's dense coastal housing sends homeowners looking for coverage and storm-hardening before June 1. New insurance agencies, public adjusters, wind-mitigation inspectors, and impact-window and shutter installers keep forming to serve them. Better-prepared Broward households file fewer disputed claims and recover faster, which steadies Southeast Florida's insurance market.

  Source: Florida Department of Financial Services (MyFloridaCFO)

• Southeast Florida· 2026-06-03

  Hurricane-prep tour reaches Miami as the 2026 season opens

  On June 3, 2026, just after hurricane season began, Florida CFO Blaise Ingoglia brought the state's preparedness tour to Miami, in Miami-Dade County. He urged residents to review their home and flood insurance coverage, build a home inventory, and verify the license of any contractor or adjuster before hiring. Miami-Dade's large market rewards agencies that speak their clients' language and know coastal risk. New independent agencies, bilingual public adjusters, and wind-mitigation inspectors keep forming here. Well-insured Miami-Dade homeowners cut the burden on state programs after a storm and support a stronger private insurance market.

  Source: Florida Department of Financial Services (MyFloridaCFO)

• North Central Florida· 2026-05-05

  Florida opens its 2026 hurricane-prep season statewide

  On May 5, 2026, Florida CFO and State Fire Marshal Blaise Ingoglia kicked off the state's 2026 hurricane preparedness effort, urging every household to get ready before the season started on June 1. He told residents to review their home and flood insurance coverage and compare options for the best value. The advice reaches inland North Central Florida too, where wind and heavy rain still cause real damage. A statewide push to review coverage sends North Central homeowners around Gainesville and Ocala shopping for insurance and home upgrades. New independent agencies, flood-coverage specialists, wind-mitigation inspectors, roofers, and general contractors keep forming to serve them. Better-prepared North Central Florida families file fewer uninsured losses and recover faster after a storm.

  Source: Florida Department of Financial Services (MyFloridaCFO)

• Southwest Florida· 2026-05-05

  Statewide hurricane-prep push lands hardest in Southwest Florida

  On May 5, 2026, Florida CFO and State Fire Marshal Blaise Ingoglia opened the state's 2026 hurricane preparedness effort, urging households to review their home and flood insurance and compare options before the season started on June 1. The message carries extra weight in Southwest Florida, where Hurricane Ian's damage still shapes how owners around Fort Myers and Naples buy coverage. Storm-scarred Southwest Florida homeowners keep shopping for stronger coverage and tougher homes. New insurance agencies, public adjusting firms, wind-mitigation inspectors, roofers, and impact-window and shutter installers keep forming to meet that demand. Well-insured, storm-hardened homes across Southwest Florida cut losses and ease the strain on state programs after the next hurricane.

  Source: Florida Department of Financial Services (MyFloridaCFO)

• We count each business by the date it registered with the state, so this shows new business formation, not the current number of agencies.
• State records post about 2 weeks behind, so the last week or two will keep rising as more filings arrive.
• Florida insurance agencies and agents are licensed through the Department of Financial Services, and property and casualty carriers are overseen by the Office of Insurance Regulation, whose figure that 20 property and casualty insurers have entered the market since the recent reforms is a May 2026 market-health stat, not a July development.
• Counts cover active Florida businesses and update daily.

Statewide license source: Florida Office of Insurance Regulation.

Frequently asked questions

Where are the most new insurance businesses forming in Florida?

This report ranks every Florida region by new insurance businesses and shows if activity is heating up or slowing down.

What does it take to open an insurance agency in Florida?

You must license the agency and its agents with the Department of Financial Services and follow state rules on agency naming and conduct. A new agency also needs errors-and-omissions coverage, management and rater software, and compliance help, which is exactly the work new owners are shopping for.

Is Florida's insurance market growing?

State regulators say 20 property and casualty insurers have entered the market since the recent reforms, reinsurance costs have fallen, and private carriers keep taking policies from state-backed Citizens. That growth is why new agencies and adjusting firms keep forming.

Where does this data come from?

The formation counts come from official Florida business-registration records. We pull every new filing, sort it by industry and region, and update daily. We count a business by the date it registered with the state. Licensing comes from the Florida Department of Financial Services and the Office of Insurance Regulation.

Can I see the actual businesses?

Yes. You get the real filings, with business names, addresses, and officers, free for 7 days, with no credit card required. Start a free 7-day trial to see them.

The standing resources that govern Florida insurance agencies and the work they create, starting with the statewide licensing office, association, and program, then the county and regional resources for each area. This is the rulebook, not the news. Check it to see the resources a new agency uses, or send a new agency owner here.