Market Intelligence · Miami, FL · Property & Casualty

The independent insurance market in Miami

2,518 P&C-licensed agencies operate in Miami — 94.1% still independent, 139 owned by consolidation platforms. Here’s how the market is structured.

Agencies

2,518

P&C-licensed in metro

Still independent

94.1%

2,369 agencies

Platform-owned

5.5%

139 agencies

With active appointments

2,214

carrier-appointed agencies

How Miami is structured

Carrier appointments measure an agency’s scale and reach. A market with a long tail of single-carrier agencies is fragmented — the structural signature of one that hasn’t consolidated yet.

median carrier appointments

per agency

140

single-carrier agencies

6% of appointed agencies

5.5%

consolidation penetration

platform-owned share

Miami is in early consolidation — 94.1% of agencies remain independent, and 6% of appointed agencies carry just one carrier. The fragmentation runway is wide and largely unconsolidated.

How we handle this data

Public records only

Built from state licensing and carrier-appointment records — never from any agency’s private book.

We never sell your data or broker your agency

Pexara is not a broker. We don’t list agencies for sale and we don’t represent buyers against you.

Benchmarks only at n ≥ 5

Inside your private portal, peer comparisons appear only when at least five agencies are pooled — never identifying another operator.

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Other Florida markets

Tampa

1,440 agencies · 5.1% owned

Orlando

1,181 agencies · 5.8% owned

Jacksonville

523 agencies · 5.5% owned

Built entirely from public records — State licensing and carrier-appointment registries (FL DFS, TX TDI), Pexara vertical-data store. Retrieved 2026-07-02. 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.