{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0000079282","name":"BROWN & BROWN, INC.","summary":"Brown & Brown, Inc. is a diversified insurance agency, wholesale brokerage, insurance programs, and service organization headquartered in Florida. It markets and sells property, casualty, and employee benefits insurance products primarily as an agent or broker. The company operates through two segments: Retail and Specialty Distribution, serving commercial, public, quasi-public, professional, and individual customers. It also operates ancillary insurance operations including captives and Wright National Flood Insurance Company (WNFIC) under the NFIP.","people":[],"products":[{"name":"Retail Insurance Products","type":"service","description":"Broad range of property, casualty, and employee benefits insurance products for commercial, public, quasi-public, professional, and individual customers."},{"name":"Specialty Distribution Programs","type":"service","description":"Targeted insurance products via MGUs for specific industries, trade groups, governmental entities, and market niches including specialty P&C, financial lines, and reinsurance."},{"name":"Wholesale Brokerage","type":"service","description":"Underwriting and placement of excess and surplus commercial and personal lines insurance for specialized or hard-to-place risks through independent agents and brokers."},{"name":"F&I Services","type":"service","description":"Non-insurance warranty services and products through automobile and recreational vehicle dealer services businesses."},{"name":"Wright National Flood Insurance Company (WNFIC)","type":"service","description":"Write-your-own flood insurance carrier operating under the NFIP administered by FEMA, with excess flood policies fully reinsured in the private market."},{"name":"Captive Insurance Operations","type":"service","description":"Ancillary insurance operations including reinsurance companies, stand-alone captives, SCICs, protected cell companies, segregated account companies, quota share captives, and excess of loss layer captives."}],"partnerships":[{"partner_name":"Federal Emergency Management Agency (FEMA)","partnership_type":"strategic","description":"WNFIC writes flood policies under the NFIP administered by FEMA, ceding premiums and underwriting exposure to the program.","start_date":null}],"affiliations":[],"origin":{"leaf":"bdf380eee945f2876f894ac641b4d33e8d5d86d2718041d720f9a18bd1f89769","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"33dad171b7eda3f726042ec844665c8e8598942ace5205934351edad23abe2f4","parent":"62c20f666ecfae33e49b4c6d02f17c5e973059a907ea9959fc64df78ac46af68","source":"0001193125-26-046984","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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