Insurance Office of America (IOA): Full-service commercial insurance brokerage headquartered in Longwood, FL — a top-20 national agency with deep construction expertise.

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.

Insurance Office of America (IOA)