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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 underwriting business consists entirely 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, 2019, our activities were conducted in 311 locations in 44 states as follows, as well as in England, Bermuda, and the Cayman Islands: Copy History Florida 52 Virginia 6 Rhode Island 2 California 29 Arkansas 5 Tennessee 2 Texas 20 Colorado 5 Alabama 1 New York 19 Connecticut 4 Delaware 1 Massachusetts 16 Hawaii 4 Iowa 1 Washington 15 Indiana 4 Maine 1 New Jersey 14 Michigan 4 Mississippi 1 Pennsylvania 12 Wisconsin 4 Montana 1 Georgia 10 Kentucky 3 North Carolina 1 Louisiana 10 Maryland 3 New Hampshire 1 Minnesota 9 New Mexico 3 Nevada 1 Oregon 9 Ohio 3 South Dakota 1 Illinois 8 Oklahoma 3 Utah 1 Arizona 7 South Carolina 3 Vermont 1 Missouri 6 Kansas 2
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