Brown & Brown Insurance is a top-tier independent insurance brokerage that provides a broad spectrum of services including property and casualty insurance, employee benefits, and risk management solutions. With more than 450 offices and over 20,000 employees worldwide, the company serves clients across the U.S., Canada, Europe, and other international markets. Its operations are divided into four key segments: Retail, which delivers personal and commercial insurance and consulting; Programs, which offers specialized coverage for niche markets; Wholesale Brokerage, which provides excess and surplus lines through independent agents; and Services, which includes third-party claims administration and Medicare advocacy. Brown & Brown is recognized for its decentralized business model, allowing local offices to operate independently while benefiting from the scale and resources of a large organization.