Looking for an Independent Insurance Broker in Jacksonville, FL?

At Augustyniak Insurance Group, we have been helping Jacksonville families and businesses find the right coverage at the right price for over 20 years.

Shopping for insurance in Florida has become harder than it should be. Companies enter and leave the market. Rates can change dramatically at renewal. Captive agents often represent only one insurance company. Whether you searched for an independent insurance agent in Jacksonville FL or an independent insurance broker, you found the same thing: a local agency that works for you, not for one company.

As an independent agency, we are not tied to just one insurance company. 

That means we can:

In Florida property and casualty insurance, an independent agent and an insurance broker are functionally the same thing. Florida licenses property and casualty professionals as 2-20 General Lines Agents. There is no separate "broker" license for home, auto, flood, or business insurance in Florida. The two words get used interchangeably by consumers and by agencies, but the role is identical.

Here is what actually matters. An independent agent or broker represents many insurance companies. A captive agent represents one. That is the real distinction.

Some states do issue separate broker licenses, mostly for surplus lines or specialty commercial coverage. In Florida, when you search for an "independent insurance broker in Jacksonville," what you actually need is an independent insurance agency licensed in Florida. That is what we are. Susan Augustyniak holds the Florida 2-20 General Lines Agent license, and the agency has been continuously licensed since 2005.

Captive agents work hard for their clients. Many are good at what they do. But they are limited to one company's prices, one company's underwriting, and one company's appetite for Florida risk. When that company stops writing new policies in Jacksonville, which has happened repeatedly over the last five years, a captive agent has no second option to offer. An independent insurance agent or broker can pivot to other companies when the market changes. 

Want a deeper breakdown of how independent agents compare to captive companies like State Farm? Read our guide comparing State Farm vs independent insurance agents.

We write personal, business, and specialty insurance for clients across Florida. Each line links to a deeper page with cost ranges, coverage breakdowns, and company comparisons.

• Homeowners Insurance. We compare 26 Florida home insurance companies, including Tower Hill, Universal, ASI, Olympus, and Auto-Owners, for properties across Duval, St. Johns, Clay, and Nassau counties.
• Auto Insurance. We compare 11 personal auto companies including Progressive, Nationwide, Travelers, Hartford, and AAA. Jacksonville drivers typically pay between $1,800 and $2,800 per year for full coverage.
• Flood Insurance. NFIP plus 10+ private flood markets. Many Jacksonville homeowners pay less for private flood than NFIP, with more coverage included.
• Umbrella Insurance. Adds $1 million to $5 million in liability protection above your home and auto policies. Most Florida households pay $400 to $900 per year.
• Condo Insurance (HO-6). We shop 26 Florida condo companies. Coastal and high-rise buildings, including Ponte Vedra and the Beaches.
• Classic Car Insurance. Agreed value coverage through Hagerty and American Collectors for collector, antique, and exotic vehicles.
• Motorcycle Insurance. Separate coverage with proper UM coordination so your auto umbrella still applies.
• Landlord Insurance and Renters Insurance. For Florida investment property owners and tenants.

• Business Insurance (BOP). Business owner's policies combining general liability and commercial property for small and mid-sized Florida businesses.
• General Liability Insurance. For contractors, restaurants, service businesses, and any operation that interacts with the public.
• Commercial Auto Insurance. For service trucks, delivery vehicles, fleets, and rideshare drivers in Jacksonville.
• Workers' Compensation. Florida and Georgia. We write contractor, restaurant, and trade-specific workers' comp programs.
• Commercial Umbrella. Extra business liability above your general liability and commercial auto limits.
• Restaurant Insurance. Liquor liability, EPLI, workers' comp, and BOP coverage for Jacksonville restaurants, bars, and food service operations.
• Contractors Insurance. General liability, workers' comp, and commercial auto for Florida trade contractors, including HVAC, plumbing, electrical, painting, and remodeling.
• Food Truck Insurance. Combined commercial auto, general liability, and equipment coverage for mobile food vendors across Florida.

• Life Insurance. Term, whole life, mortgage protection, and burial insurance for Florida families.

We are not a call center, we are right here in town. Stop by our office, give us a call, or schedule a virtual meeting. You will always talk to a real person who cares about your coverage.

Augustyniak Insurance Group is headquartered in Jacksonville at 12058 San Jose Blvd, Suite 304. We are licensed throughout Florida and write policies statewide, with most of our clients concentrated in Duval, St. Johns, Clay, and Nassau counties.

If your property is in Florida, we can write it. Our license, our company appointments, and our claims relationships extend statewide, including Palm Coast, Flagler Beach, Gainesville, and beyond the Jacksonville metro.

You pay the same premium whether you buy directly from the insurance company or through an independent insurance agent. The company pays the agent's commission, and that cost is already built into the rate. Buying direct usually does not save money. It simply means you shop one company at a time yourself.

Independent insurance agents and brokers are typically paid a commission by the insurance company when a policy is purchased or renewed. In Florida, you can request commission disclosure if you want to see how compensation works.

• You pay the same rate either way. The price for a Progressive auto policy is the same whether you buy from Progressive directly or through our agency.
• Our focus is long-term value for you. If a less expensive insurance company provides the right coverage, service, and overall value for your situation, that is often the option we recommend.
• The company with the best fit usually wins. Most of the insurance companies we represent pay similar commission percentages, so coverage, pricing, and long-term value drive the recommendation.

Still wondering how commissions actually work or whether buying direct saves money? Read our full guide on how independent insurance agents get paid.

When a client comes to us for an auto insurance quote, we run their information through every company on our roster that fits their situation. Here is a real comparison from a recent auto insurance review.

This is what independent agency work actually is. We do not have a magic wand. We have access to 80 companies and the experience to know which ones price competitively for which households. That is the whole product.

Three steps. One conversation. Most quotes come back the same day or next business day.

Reviewed by Susan Augustyniak, CIC — Vice President, Augustyniak Insurance Group. Susan holds the Certified Insurance Counselor designation and the Florida 2-20 General Lines Agent license, with 25+ years in the insurance industry. Before joining the agency, she spent nine years at Nationwide Insurance as a commercial underwriter, large loss property claims adjuster, and sales manager. She helps Jacksonville families and businesses navigate coverage decisions across Duval, St. Johns, Clay, and Nassau counties. Last reviewed: May 2026.