Top 10 Insurance Brokers – 2025

Insurance brokers in the United States have a significant opportunity to expand their reach by addressing underserved and emerging markets. Despite being one of the largest global insurance industries, the U.S. market remains marked by inefficiencies and coverage gaps, leaving many individuals and businesses uninsured or underinsured. These gaps present unique opportunities, particularly in rural and minority communities and among small businesses, where insurance coverage is often inadequate or entirely absent.

Technological advancements and societal shifts—such as the rise of the gig economy, climate change and digital transformation—create new risks and demands that traditional insurance products often fail to fully address. Brokers who recognize and respond to these evolving needs are well-positioned to capture a growing market share while delivering innovative solutions that align with contemporary challenges.

To seize these opportunities, brokers must adopt a strategic, multi-faceted approach. Embracing digital transformation is crucial for streamlining processes and improving accessibility for underserved populations. Additionally, educating and engaging potential customers in these markets can build awareness and trust, ensuring that insurance products are understood and valued. Developing tailored products that address specific and emerging risks is equally important, as is leveraging data analytics to identify trends and craft targeted strategies. Prioritizing diversity and inclusion within brokerage practices can further strengthen relationships with diverse communities and foster long-term loyalty.

This edition features Casey Insurance Brokers, exploring how brokers transcend traditional roles and innovate as educators, advisors and solution providers to expand the sector’s reach and reinforce its role as a critical pillar of economic security. The magazine also includes insights from Becky Tedjeske FLMI, CCP, AIRC, AIAA, ARA, ACS, CHP, Compliance Director – Group Benefits at The Guardian Life Insurance Company of America and Bogdan Laza, Vice President | Complex Risk Commercial Insurance Consultant, Brown & Brown.

By addressing coverage gaps, integrating advanced technologies and fostering trust, brokers can unlock the vast potential of untapped markets. This approach drives business growth and strengthens the financial resilience of individuals and businesses. We hope these valuable insights from industry leaders featured in this edition will assist you in making informed decisions for your business.

Insurance Broker | Insurance Business Review

Insurance Broker - 2025

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Casey Insurance Brokers

Casey Insurance Brokers, based in South Florida, specializes in marine insurance, offering tailored coverage options for watercraft owners. With access to a vast network of global insurers, it provides comprehensive solutions to navigate risks like hurricanes and theft, ensuring clients are well-protected and supported.

We only know marine insurance. When you send us a risk, we’re thinking solely about what’s best for that boat, that yacht, and that client. Our focus allows us to offer solutions for any vessel, any ocean, under any scenario

Casey L. Heer, President
Casey Insurance Brokers

Casey Insurance Brokers, based in South Florida, specializes in marine insurance, offering tailored coverage options for watercraft owners. With access to a vast network of global insurers, it provides comprehensive solutions to navigate risks like hurricanes and theft, ensuring clients are well-protected and supported.
We only know marine insurance. When you send us a risk, we’re thinking solely about what’s best for that boat, that yacht, and that client. Our focus allows us to offer solutions for any vessel, any ocean, under any scenario

Casey L. Heer, President,.
K2 Insurance Brokers

K2 Insurance Brokers is a leading insurance broker and risk management expert that empowers clients with proven tools and strategic ways to lower risk and minimize cost associated with loss. It navigates the rugged landscape of risk and provides complete protection to clients.

Taking proactive steps to identify and eliminate potential sources of risk go a long way in helping organizations prevent loss exposures, secure lower premiums and ensure favorable policy terms.

David A Hemme, CEO
K2 Insurance Brokers

K2 Insurance Brokers is a leading insurance broker and risk management expert that empowers clients with proven tools and strategic ways to lower risk and minimize cost associated with loss. It navigates the rugged landscape of risk and provides complete protection to clients.
Taking proactive steps to identify and eliminate potential sources of risk go a long way in helping organizations prevent loss exposures, secure lower premiums and ensure favorable policy terms.

David A Hemme, CEO,..
A and H Insurance

With over six decades of experience in the insurance sector, A and H Insurance stands as a premier independent brokerage, dedicated to simplifying the process of securing the right coverage. The company’s foundational commitment to its clients is evident in its selective partnerships with some of the most reputable insurance carriers.

Rejecting the one-size-fits-all approach, A and H Insurance takes the time to work closely with clients to thoroughly assess their specific needs and vulnerabilities

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A and H Insurance

With over six decades of experience in the insurance sector, A and H Insurance stands as a premier independent brokerage, dedicated to simplifying the process of securing the right coverage. The company’s foundational commitment to its clients is evident in its selective partnerships with some of the most reputable insurance carriers.
Rejecting the one-size-fits-all approach, A and H Insurance takes the time to work closely with clients to thoroughly assess their specific needs and vulnerabilities

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Apartment Insurance Consultants (AIC)

AIC’s innovative insurance programs provide apartment owners and managers with broad insurance coverage at competitive rates by leveraging the power of group purchasing. With over 35 years of underwriting experience, and having formed the very first group property program within the State of Texas in 1992, AIC has experienced substantial growth and writes insurance across the country with a concentration in the southwest and gulf coast states.

Andrew Branoff, President and CEO
Apartment Insurance Consultants (AIC)

AIC’s innovative insurance programs provide apartment owners and managers with broad insurance coverage at competitive rates by leveraging the power of group purchasing. With over 35 years of underwriting experience, and having formed the very first group property program within the State of Texas in 1992, AIC has experienced substantial growth and writes insurance across the country with a concentration in the southwest and gulf coast states.
Coterie Insurance

Coterie Insurance transforms the small business insurance landscape through its innovative, data-driven platform, the SimplyBind Experience. This cutting-edge solution provides agents and brokers with instant quotes and seamless policy binding, significantly reducing the time and complexity typically involved in the insurance process.

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Coterie Insurance

Coterie Insurance transforms the small business insurance landscape through its innovative, data-driven platform, the SimplyBind Experience. This cutting-edge solution provides agents and brokers with instant quotes and seamless policy binding, significantly reducing the time and complexity typically involved in the insurance process.
XS Brokers

XS Brokers is a trusted wholesale and binding intermediary specializing in hard-to-place insurance risks. Known for exceptional underwriting expertise, market insight and innovative solutions, it provides comprehensive coverage across diverse sectors, including construction, healthcare and cybersecurity, transforming complex challenges into opportunities.

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XS Brokers

XS Brokers is a trusted wholesale and binding intermediary specializing in hard-to-place insurance risks. Known for exceptional underwriting expertise, market insight and innovative solutions, it provides comprehensive coverage across diverse sectors, including construction, healthcare and cybersecurity, transforming complex challenges into opportunities.
ALKEME

ALKEME is a transformative insurance company redefining the industry with innovation, customer-centric solutions, and a commitment to transparency. Embracing unconventional risks and fostering strategic partnerships, the company combines modern technology with timeless principles to provide tailored coverage for individuals and businesses, creating a new standard in risk management.
ALKEME

ALKEME is a transformative insurance company redefining the industry with innovation, customer-centric solutions, and a commitment to transparency. Embracing unconventional risks and fostering strategic partnerships, the company combines modern technology with timeless principles to provide tailored coverage for individuals and businesses, creating a new standard in risk management.
Conner Strong & Buckelew

Conner Strong & Buckelew is a leading insurance brokerage, employee benefits, and risk management consulting firm with deep industry roots. It provides innovative solutions to manage claims, prevent losses, and support employee populations. The firm is dedicated to advancing InsurTech innovation, fostering community involvement, and delivering exceptional service to clients globally.
Conner Strong & Buckelew

Conner Strong & Buckelew is a leading insurance brokerage, employee benefits, and risk management consulting firm with deep industry roots. It provides innovative solutions to manage claims, prevent losses, and support employee populations. The firm is dedicated to advancing InsurTech innovation, fostering community involvement, and delivering exceptional service to clients globally.
Insurance Professionals of Arizona

Insurance Professionals of Arizona is a locally owned independent insurance agency that provides personalized and comprehensive insurance solutions. Focusing on customer satisfaction, it partners with various insurance providers to offer tailored coverage for personal and commercial needs, ensuring clients receive cost-effective and reliable protection.
Insurance Professionals of Arizona

Insurance Professionals of Arizona is a locally owned independent insurance agency that provides personalized and comprehensive insurance solutions. Focusing on customer satisfaction, it partners with various insurance providers to offer tailored coverage for personal and commercial needs, ensuring clients receive cost-effective and reliable protection.
The Cayemitte Group

The Cayemitte Group (TCG) is a full-service insurance and surety bond brokerage and management consulting firm dedicated to empowering businesses, particularly minority and disadvantaged enterprises. It addresses barriers to growth through tailored solutions, offering expertise in risk management, bonding, capital access, and operational development to drive sustainable success.
The Cayemitte Group

The Cayemitte Group (TCG) is a full-service insurance and surety bond brokerage and management consulting firm dedicated to empowering businesses, particularly minority and disadvantaged enterprises. It addresses barriers to growth through tailored solutions, offering expertise in risk management, bonding, capital access, and operational development to drive sustainable success.