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Insurance office of America is an insurance agency located in Florida; it is a fast growing insurance company providing clients with reliable, effective and best insurance policy to suit their needs.

The Insurance office of America provides insurance for both big and small business owners and all individuals in Florida.

If you are in Florida and you have difficulty choosing the right insurance agency to go with, then this article is for you.

In this article, you will get to know more about the insurance office of America, their insurance services, coverages, how to make a claim and request a quote. 

You will also get to see how they have been reviewed by some of their clients based on how effective they have been. If you want to find out about the IOA then you have to read below.


Insurance office of America (IOA) is a full service insurance agency not a provider. It was founded in 1988 by Valli Ritenour and John Ritenour. It is one of the fast rising insurance independent insurance agencies you can find in the United States. 

On the top 100 of insurance journal’s in 2019, insurance office of America ranked 13th among the top 100 independent property/ casualty agencies report.

Also, on business insurance’s 2019 100 largest brokers of United States business list, the IOA ranked 23rd and in 2018, IOA was named the National Underwriter Agency for that year.

The IOA has its headquarter in Longwood, Florida, part of the greater Orlando community. It has more than 1200 associates with over 60 offices located in London and the United States.

IOA has expertise in almost all industries and lines of coverage with over $1.8 billion set in premium for property and casualty coverage and an additional $700 million for employee benefits coverage.

The insurance office of America focuses on people and longevity; this differentiates them from their competition. Their goals and objectives are built around the mission to create a place where people and their customers will appreciate and never want to leave. 

With the knowledge and client-first approach experiences they have gathered through the years, they are able to provide you with not just coverage that meets your needs but with a partner dedicated to achieving your goals.


The Insurance office of America offers majorly two types of insurance. We are going to be looking into the details of these types of insurance and their coverages.

They are:


The Insurance office of America provides insurance for both small business owners and large business owners.

Insurance policies are designed to help meet the needs of the business owner as well as improve the business.

The business owners are assigned various partners who they can confide in and decide what insurance coverage best suits their business.

Below are some coverages you can find when you register for the IOA business insurance.

a. Accident and Health:

As an employer, you can provide this insurance for your employees as part of an incentive package when they come to work for you.

The accident and health coverage protects the clients from incurring losses when injuries result from various types of health issues or accidents from work. 

With this coverage, you are certain to get corporate travel insurance, creditor insurance: credit life, disability and unemployment, disaster recovery plan, global medical insurance, mergers and acquisitions products and solutions, personal accident coverage including accidental death and disability, student accident insurance and international travel insurance, and more.

b. Agribusiness and Agriculture:

Businesses also include farm produce and more. So, whether you have a stable, vineyard, farm or ranch, you would want to stay on top of the risks that can threaten your business and protect your business at all cost. 

The Insurance office of America has experts in agribusiness who understands the risks of your business and the right coverage required for your business’s protection.

They provide the services you will need for your business protection, planning, organization and continuous monitoring. Because of the IOA market share, you can get the most competitive terms, conditions and pricing for your agribusiness. 

The coverage here includes auto coverage, aviation-crop dusting, crop insurance, equipment, general/ farm owners liability, property, umbrella and workers compensation with experience mod analysis.

c. Aviation:

The IOA is very qualified to provide insurance to the aviation market. This is because they understand the coverages needed to provide the right solutions for your aviation assets.

They also work with top carriers that offer the most competitive terms to serve you better for your aerial application needs. 

With the insurance office of America, you will get the confidence of working with a team of flight instructors, commercial pilots and agents that have in- depth knowledge and have been in the aviation and insurance industries for a long time.

To achieve the goal of truly satisfying their clients, IOA work with commercial, FBO coverage, Hangar coverage, industrial aid-corporate, special use and, pleasure and business.

d. Commercial Auto:

If you incur a loss from an accident, then this is for you. It pays for your property repair, replacement and medical expenses thereby covering your damages. This coverage is mainly for people who:

  1. Rent, own or lease vehicles
  2. Have workers who drive their own vehicles for business sake
  3. Have employees/ workers who are assigned vehicles from the company

The coverages here include liability, uninsured motorist, underinsured motorist and physical damage.

e. General Liability:

All businesses, not-withstanding the size, need protection against lawsuits. This is where the general liability coverage comes in. It protects you from any unnecessary action that occurs as a result of doing business.

Liability claims are always possible and when this happens, the outcome could be bad for your business especially if you have no plan B.

The Insurance office of America has experts who are knowledgeable risk managers. They are willing to help you secure well designed solutions for your needs.

Their protection includes advertising injury, bodily injury, property damage and personal injury protection.

Other forms of coverages in the IOA business insurance include:

  • Boiler and machinery
  • Business income and interruption
  • Business owners policy
  • Cargo and casualty
  • Commercial flood and property
  • Commercial umbrella
  • Construction 
  • Contingency
  • Inland marine
  • Fiduciary liability
  • Representations and warranties 
  • Supply chain risks and more. 

You can visit The Insurance office of America to check out more coverage under the business insurance section.


Nothing could be more personal than the feelings you get when you and your family pass through each day together. When unexpected circumstances arise, you need insurance coverage targeting your needs and fitting into how you live your life.

To get such insurance that protects you from every angle then you need the insurance from the insurance office of America.

Coverages you can get under this insurance include:

  1. Vehicle Insurance: Your vehicle isn’t just a means of transportation, it can mean business, freedom, safety, fun and more. It all depends on what you choose to do with it at different moments. Your vehicle can be a car, RV, watercraft, boat or motorcycle and insurance can be the best option to avoid unplanned events.
  2. Property Insurance: Property insurance helps protect your property as they can be one of your biggest assets. Coverages you can find here include the homeowners, renters and condo insurance.
  3. Individual Insurance: If you need personalized insurance, attention and experts who understand how to protect changing and modern affluent lifestyles, then the insurance office of America got you covered. They have all the comprehensive offerings you will need to cover all you have earned.
  4. Business Individual: Even as an individual seeking personal insurance, you might have a business you wish to secure. Every small business like the retail stores, independent contractors or restaurants, need a policy to secure it against financial loss from unplanned events. 


All claims are to be made immediately after the incident or accident has occurred. You can visit the IOA office or log in to the insurance office of America website to make your claim.

Also, you might be required to submit various documents, try submitting the required documents then go ahead to make your claim. You can only make a claim depending on your coverage and not on any coverage outside of your own.


Requesting a quote can be done the same way as making a claim but they require different documents.

To request a quote, you can visit the IOA office or go to their website. You can also seek the help of an IOA agent to help you through the process.


The best reviews of insurance office of America in 2022 were mostly on their performance, customer service, response time and productive team.

Apart from having some positive reviews on their services, agents and employees, there was a negative insurance office of America complaint. Below are some of the reviews:

“This is a good company to work for especially if you are just starting out in the industry. Depending on which team you get put on, there are so many opportunities to learn and grow as long as you are working with people who are willing to teach. The work/life balance is what keeps me here”

“okay, first things first, I really think this is one of the best options in the market available right now. It is quite simple, but yet very very effective. When I first reached out to this company I had my doubts, I was not sure if this would work for me. Anyways, I decided to approach here.

Next thing I know is I am treated really well! The whole application process was pretty easy and I felt really comfortable; they are kinda slow in the problem resolution but this works very well for me”.


The insurance office of America provides reliable and good insurance services from different providers.

With this insurance company, many clients in Florida have been able to get the desired insurance coverage and policy for themselves. You might want to give it a try if you stay around Florida.


  • Is the insurance office of America an insurance provider?

No, the insurance office of America is not an insurance provider but an insurance agency. They link clients with various providers for a more convenient policy.

  • What is the official website of the insurance office of America?

The official website to visit the insurance office of America is at You can go to the website for any information you need and as well contact their agents to help you make various decisions. 

  • How can I contact an agent from the insurance office of America?

To contact an agent from IOA, you can call 1.800.243.6899

  • Can I make a claim online on the IOA website?

Yes, you can make a claim online on the IOA website at Every claim should be made immediately after the incident or accident has occurred. 



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