Brown & Brown’s Retail Division leads all competitors with consistently high pre-tax margins. Growth in 2001 was strong not only externally, but organically as well, where this division posted an 8.9% gain. During the year 26 new acquisitions were completed, along with 13 purchases of books of business that were folded into existing operations. There are now 115 Retail sales offices in 26 states.

Perhaps the most telling measure of the Retail Division’s success during 2001 was that the division posted a 44% increase in top-line revenues while achieving a 73% growth in bottom-line earnings. This was accomplished while assimilating more than three dozen acquisitions of agencies and books of business.

2002 should be another record year as the new players on the Brown & Brown team adopt our culture and begin generating the same levels of pre-tax income that are regularly achieved by our established locations.



Office locations:
• Arizona: Phoenix, Prescott, Tucson
California: Novato, Oakland, Thousand Oaks
• Colorado: Colorado Springs, Denver, Ft. Collins, Longmont, Steamboat Springs
• Connecticut: Newington
• Florida: Brooksville, Clearwater, Daytona Beach, Ft. Lauderdale, Ft. Myers,

Ft. Pierce, Jacksonville, Leesburg, Melbourne, Miami, Monticello, Naples, Ocala, Orlando, Panama City, Pensacola, Perry, Port Charlotte, Sarasota, St. Petersburg, Tallahassee, Tampa, Titusville, West Palm Beach, Winter Haven
• Georgia: Atlanta, Canton, Rome
• Indiana: Indianapolis
• Iowa: Des Moines
• Louisiana: Abbeville, Baton Rouge, Breaux Bridge, Lafayette, New Iberia,
Opelousas, Ruston
• Michigan: Flint, Jackson
• Minnesota: Duluth, East Grand Forks, Fairmont, Mankato, New Ulm, St. Cloud
• Nevada: Las Vegas
• New Jersey: Clark, Washington
• New Mexico: Albuquerque, Roswell, Taos
• New York: Avon, Clifton Park, Dansville, East Greenbush, Endicott, Geneva,
Hornell, Ithaca, Jamestown, Naples, Rochester, Rome, Sodus, Spencerport, Syracuse, Wellsville, Williamsville, Wolcott

• North Dakota: Bismarck, Fargo, Grand Forks, Jamestown, Minot
• Ohio: Toledo
• Oklahoma: Pryor
• Pennsylvania: Bethlehem
• South Carolina: Charleston, Georgetown, Greenville, Spartanburg, Union
• Tennessee: Kingsport
• Texas: El Paso, Houston
• Virginia: Bristol, Manassas, Norfolk, Norton, Richlands, Richmond, Salem,

Virginia Beach

• Washington: Seattle, Tacoma, Wenatchee
• Wisconsin: Hartland, LaCrosse
• Wyoming: Cheyenne