Brown & Brown is a diversified insurance agency, wholesale brokerage, insurance programs and service organization with origins dating from 1939 and is headquartered in Daytona Beach, Florida. The Company markets and sells insurance products and services, primarily in the property, casualty and employee benefits areas. We provide our customers with quality, non-investment insurance contracts, as well as other targeted, customized risk management products and services. As an agent and broker, we do not assume underwriting risks with the exception of the activity in The Wright Insurance Group, LLC ("Wright"). Within Wright, we operate a write-your-own flood insurance carrier, Wright National Flood Insurance Company ("WNFIC"). WNFIC's entire business consists of policies written pursuant to the National Flood Insurance Program ("NFIP"), the program administered by the Federal Emergency Management Agency ("FEMA") and excess flood policies which are fully reinsured, thereby substantially eliminating WNFIC's exposure to underwriting risk, as these policies are backed by either FEMA or a reinsurance carrier with an AM Best Company rating of "A" or better.
As of December 31, 2018, our activities were conducted in 286 locations in 42 states as follows, as well as in England, Canada, Bermuda, and the Cayman Islands:
Copy History Florida46 Michigan5 Kentucky2California24 Connecticut5 New Hampshire2New York19 Colorado5 Rhode Island2Texas14 Wisconsin4 Utah2Georgia14 Virginia4 Kansas2Washington14 Indiana4 North Carolina1New Jersey13 Oklahoma4 Mississippi1Minnesota11 Arkansas4 Vermont1Pennsylvania11 Montana4 Delaware1Massachusetts10 Ohio4 Nevada1Louisiana9 South Carolina3 Maine1Oregon9 Maryland3 Iowa1Illinois7 New Mexico3 Arizona6 Tennessee3 Hawaii5 Missouri2