Brown & Brown began in 1939 as a two-partner insurance agency and grew from a small Florida business into a broad insurance brokerage with a national and international market presence. Brown & Brown provides insurance brokerage and related services for individuals and businesses, with offerings that include property and casualty coverage, employee benefits, risk management, third-party administration, managed health care, and Medicare set-aside services. Brown & Brown operates through retail and specialty business lines that support direct brokerage, wholesale brokerage, insurance programs, and related service work. Brown & Brown has built its business through long-term client service and acquisitions, while maintaining a focus on insurance and risk management across a wide range of customer needs.