A local broker that treats benefits like the strategic spend it is.
Central Florida Employee Benefits is an independent insurance brokerage based in Orlando, Florida, helping employers across the state design and run benefits programs their employees actually understand.
Built around the way Florida employers actually buy benefits.
We started Central Florida Employee Benefits because the way most agencies sell group insurance hadn't caught up with how HR teams actually work. Employers want clarity, choice, and a partner who is still answering the phone in May — not just at renewal.
We focus on Central Florida — Orlando, Brevard, Volusia, and the surrounding metros — because the carriers, networks, and pricing dynamics are different here than they are in South Florida or out of state. Knowing the local network strengths (AdventHealth, Orlando Health, Health First) is half the job.
Today we manage benefits for groups ranging from owner-only LLCs to 500-employee regional employers. Our book is intentionally diverse — healthcare, professional services, hospitality, construction, and nonprofits — because cross-industry experience is what lets us spot a carrier issue before our clients do.
Florida licensed (2-15)
Life, health, and annuity license — fully appointed with the major Florida group carriers.
Independent and broker-owned
We don't have a parent company nudging us toward a preferred carrier. Whatever wins your renewal wins our recommendation.
Service that scales with you
Owner-led for groups under 50, with a dedicated account manager once you cross 100 lives.
Compensated by the carrier
Standard broker-of-record arrangement — there's no separate fee from us to your business.
Have a question before you commit to a meeting?
We'll answer plan, carrier, and underwriting questions over the phone — even before you're a client.