Market Intelligence · Property & Casualty

The independent insurance market is consolidating — state by state.

Pexara maps every independent agency market we cover — ownership, carrier appointments, and concentration — entirely from public records, tracking 19,564 agencies across two states today. Start with a state.

For machines: change-log index · OpenAPI · coverage snapshot. Query API is live at https://api.pexara.ai; not served on this host.

Texas→
4 metros · P&C independents
9,100
independent agencies
99.7%
still independent
0.2%
platform-owned
Enter the Texas hub →
Florida→
4 metros · P&C independents
9,945
independent agencies
95.3%
still independent
3.9%
platform-owned
Enter the Florida hub →
Latest insurance analysis
All insurance articles →
2026-08-28
Carrier Depth, Market Fragmentation, and the Hidden Value Drivers in Florida and Texas Independent Agencies
Public licensing and carrier-appointment records from Florida and Texas reveal wide structural differences — in consolidation penetration, carrier access, and formation rates — that shape how buyers assess independent agency value. Understanding those signals is the first step to building a more durable business.
2026-08-28
As E&S Growth Cools From a Sprint to a Jog, Carrier Access Becomes the New Dividing Line
E&S and surplus lines premium is still climbing, but the pace is slowing — and that shift is starting to separate agencies with broad carrier access and specialty depth from single-carrier, standard-market-dependent shops.
2026-08-26
Agency M&A Hits a Seven-Year Lull — Why Texas and Florida Independents Should Read the Slowdown Clearly
North American insurance-agency acquisitions fell to their slowest first-half pace since 2016, yet private equity still controls the buyer pool and P&C shops still dominate the seller side — a split market where quality and carrier access now do the heavy lifting on value.
2026-08-26
Florida's Carrier Access Divide: What Appointment Data Reveals About Agency Competitive Position
Florida's independent agency market shows a wide carrier-access gap — the bottom quarter of General Lines agents hold three appointments or fewer while the top quarter reach seventeen or more. Here's what that spread, and the carriers now actively expanding their Florida footprints, means for agency owners.
2026-08-24
The Hard Market's Quiet Risk: Carrier Concentration Across Texas and Florida Agencies
State licensing and carrier-appointment records show where independent agencies are thinnest on market access — and why a hard market turns single-carrier dependency into the most expensive position on the map.
2026-08-24
Florida's Tort Reforms Are Finally Showing Up in Rate Filings — What It Means for Agency Growth in 2026
Three years after Florida overhauled its litigation and claims rules, insurers are filing rate decreases at a pace that's changing the retention math for independent agents, while Texas's TWIA is holding rates flat for a second straight year — a rare stretch of coastal-market calm.
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Built entirely from public records — State licensing and carrier-appointment registries (FL DFS, TX TDI), Pexara vertical-data store. Retrieved 2026-07-02. Pexara is not a broker: we never sell agency data or represent buyers against operators, and no individual agency is named on these pages. Counts are of licensed agency entities with P&C qualification, assigned to metro by county of record. Platform-owned = agencies identified as owned by a consolidation platform; the remainder are independent. Figures are a point-in-time snapshot; week-over-week movement is available only from 2026-06-12 forward.