What Verdica's 769 score means for BROWN & BROWN, INC.
BROWN & BROWN, INC.'s composite score of 769 out of 850 places the entity in the "strong" band (740–799), which reflects a provider with solid operational and compliance standing. This score aggregates three regulatory dimensions tracked by the National Association of Insurance Commissioners (NAIC): financial strength, complaint handling, and regulatory actions. A score in this range indicates that the entity has demonstrated consistent financial stability and maintains complaint and enforcement records that meet or exceed baseline industry expectations. For a business owner or consumer evaluating this provider, a 769 score suggests reasonable confidence in the company's ability to honor obligations and operate within regulatory guardrails, though it does not represent the highest tier of performance.
The score is supported by meaningful strengths in two of three measured categories, with room for improvement in financial metrics. No independent customer reviews are currently indexed for this entity on Verdica, so the analysis relies entirely on regulatory and financial data sources rather than lived customer experience.
How the sub-scores break down
Financial Strength: 675 This sub-score reflects BROWN & BROWN, INC.'s capital adequacy, liquidity, and solvency metrics as assessed by NAIC standards. A score of 675 falls in the "acceptable" range (670–739), indicating the company maintains sufficient reserves and capital ratios to meet its policyholder obligations under normal and moderately stressed conditions. However, this is the lowest of the three sub-scores and represents a relative weak point for the entity. In the insurance industry, financial strength ratings are updated periodically based on audited financial statements, and a score in this band typically means the provider is solvent and licensed but may carry higher leverage, narrower margins, or more exposure to market volatility than top-tier peers.
Complaints: 800 This sub-score reflects BROWN & BROWN, INC.'s ratio of substantiated complaints filed with state regulators relative to the size of its business. A score of 800 is in the "strong" range (740–799) and indicates the company receives fewer complaints per dollar of premium or per policy sold than many competitors. A higher complaints score generally suggests effective customer service resolution, clear policy communication, or lower incidence of claims denial disputes. This is a notable strength for the entity.
Regulatory Actions: 850 This sub-score reflects the frequency and severity of enforcement actions, license suspensions, fines, or consent orders issued by state insurance regulators. A score of 850 is in the "excellent" band (800–850), meaning BROWN & BROWN, INC. has an exceptionally clean regulatory record in Florida with minimal or no significant enforcement history. This is the entity's strongest dimension.
What regulators in FL track for insurance providers
Florida's Office of Insurance Regulation and the broader NAIC system monitor insurance providers through complaint ratios and financial reporting. Complaint ratios measure substantiated grievances—typically claims handling delays, coverage denials, billing disputes, or policy cancellations—reported to the state by consumers or third parties. Financial strength ratings are based on statutory accounting statements and risk-based capital models that assess whether a provider holds enough liquid assets to withstand catastrophic losses or market downturns. Regulatory actions include formal investigations, license conditions, fines, or consent orders resulting from violations of insurance code statutes or unfair trade practices. These three dimensions together form the backbone of solvency and market conduct oversight. Scores improve when a provider reduces complaints relative to peers, maintains capital above minimum thresholds, and avoids enforcement actions; scores decline when complaints spike, capital erodes, or regulators identify systematic violations.
Bottom line
BROWN & BROWN, INC. presents as a strong provider based on a 769 composite score, with particular strengths in regulatory compliance and complaint handling. Before engaging with this entity, verify that its specific service lines and geographic footprint align with your needs, and cross-check its current financial ratings and complaint history directly with the Florida Office of Insurance Regulation, as data can be updated periodically.