Brown & Brown, Inc. is a diversified insurance agency, wholesale brokerage, and insurance programs organization serving the property, casualty, and employee benefits sectors. The company operates through two main segments: Retail, which provides commercial, public, professional, and personal insurance products along with risk management and claims services to diverse customer bases; and Specialty Distribution, which includes programs businesses offering targeted insurance products for specific industries, wholesale brokerage placing excess and surplus lines through a global network, and specialty businesses providing captives, reinsurance, affinity services, and other niche coverages. The company generates revenues primarily through commissions and fees from insurance placement and brokerage activities, with a large geographic footprint spanning North America and international markets.