BRO

Brown & Brown Inc. is a diversified insurance brokerage and service organization that markets and sells property‑and‑casualty, employee benefits, personal lines and specialized risk‑management solutions to commercial, public, professional and individual clients. The company operates through four primary segments—Retail, National Programs, Wholesale Brokerage and Services—providing brokerage placement, program administration, excess‑line placement and fee‑based consulting and claims support. It competes in the U.S. independent insurance intermediary sector and is consistently ranked among the top five to six largest independent brokers in the country. Notable characteristics include a decentralized broker network, a focus on fee‑based services rather than underwriting risk, and a history of growth through both organic expansion and strategic acquisitions.