Insurance Office of America (IOA)
IOA is a top-20 U.S. insurance brokerage headquartered in the Orlando metro. Their dedicated construction practice builds surety, GL, builders risk, and wrap-up programs for GCs and developers across Central Florida.
Orlando's Own National Powerhouse
When Central Florida developers need a single partner to underwrite the insurance architecture of a $200M mixed-use tower, IOA is the agency that gets the call. Headquartered just north of Orlando in Longwood, they combine local market knowledge with top-20 national carrier relationships.
Their construction practice handles the full stack: surety programs for public bid bonds, builders risk for ground-up projects, GL for trade contractors, and OCIP/CCIP wrap-up programs that consolidate coverage across dozens of subs on mega-projects.
The ConstructionPerks Take
We think IOA is best for: Mid-to-large GCs, developers, and CM firms in Central Florida that need a sophisticated, full-service insurance partner with national carrier access.
One thing to think about is their sweet spot. IOA's construction practice truly shines on projects above $10M — smaller residential contractors may find boutique agencies more cost-effective for basic GL policies.
Frequently Asked Questions
Does IOA provide surety bonds for construction companies?
Yes, surety is a core competency. They place bid, performance, and payment bonds through top-rated sureties for GCs of all sizes.
Can IOA set up an OCIP or CCIP wrap-up program?
Absolutely. Their construction team regularly designs and administers owner-controlled and contractor-controlled insurance programs for large projects.
Is IOA only in Florida?
No. While headquartered in the Orlando metro, IOA has offices nationwide and places coverage across all 50 states.
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