Best Florida Insurance Agents & Brokers (2026)

An insurance agent is a licensed professional who works on behalf of an insurance company to sell insurance policies to customers. An insurance broker, on the other hand, works as an intermediary between insurance companies and customers to find the best insurance policies to meet their needs.

To become a licensed insurance agent or broker in Florida, you must first complete a pre-licensing course and pass a state-administered licensing exam. You will also need to undergo a background check and submit your fingerprints. Once you have passed the exam and met all other requirements, you will receive your license.

You can verify the licensing status of an insurance agent or broker in Florida by using the state’s licensee search tool, which is available on the Florida Department of Financial Services website.

In most cases, you can purchase insurance policies directly from an insurance company. However, working with an agent or broker can be beneficial because they can provide expert guidance on the best policies to meet your needs and help you navigate the complex insurance landscape.

Insurance agents and brokers are typically paid a commission by the insurance company for each policy they sell. The commission amount varies depending on the type of policy and other factors.

When choosing an insurance agent or broker, you should look for someone who is knowledgeable, experienced, and trustworthy. You may also want to consider factors such as their reputation, customer service, and the range of insurance products they offer.

Yes, you can switch insurance agents or brokers at any time if you are not satisfied with their service. However, you should first make sure that you have a new agent or broker lined up to avoid any lapses in coverage.