Insurance Office of America

Insurance Office of America (IOA) is a full-service insurance agency founded in January 1988 by John and Valli Ritenour. The company was initially established as Insurance Office of Florida in Apopka, Florida, and later renamed Insurance Office of America after opening its first branch in New Jersey. IOA has grown to become one of the largest privately-held independent insurance brokerages in the United States, currently ranked as the third or fourth largest depending on the source. The company’s global headquarters is located in Longwood, Florida, part of the greater Orlando community. IOA employs more than 1,300 to 1,500 associates across over 60 offices in the U.S. and the United Kingdom (London). The agency offers comprehensive insurance and risk management solutions including property and casualty, employee benefits, personal lines, bonds, group benefits, and payroll services. IOA is recognized as a leader in insurtech innovation and continues to expand rapidly as one of the fastest-growing independent insurance agencies in the country.

From its inception, IOA’s leadership formed the company with a dual mission: to provide clients with expert insurance and risk management services while also serving communities in meaningful ways. Today, the company is led by Chair and CEO Heath Ritenour, who represents the third generation of Ritenour family leadership. The agency partners with independent agents, attributing its steady double-digit growth since 1988 to this unique partnership model. IOA’s service offerings include commercial insurance, individual insurance, employee benefits, risk management, and specialized programs such as 401K and payroll services.

Insurance Office of America distinguishes itself through its insurtech innovation and commitment to personalized client service. The company’s tagline, “We focus on your risk so you can focus on your dreams,” reflects its core philosophy of enabling clients to pursue their aspirations while maintaining comprehensive protection. With a presence spanning multiple states and international operations in the UK, IOA continues to solidify its position as a leading independent insurance brokerage in the North American market.