ARCW Leavitt Insurance Services - Comprehensive Analysis Report
Summary
ARCW Leavitt Insurance Services is a multi-line insurance agency with a history dating back to 1989. The company's mission is to provide comprehensive insurance solutions with a strong commitment to the local community and personalized service. Its vision is to enhance its capabilities, delivering long-term value through a wide array of insurance products, expertise, and innovative services, while also prioritizing the professional development of its employees. As an affiliate of the Leavitt Group, ARCW Leavitt Insurance Services combines national resources with local ownership to offer tailored insurance solutions.
1. Strategic Focus & Objectives
Core Objectives
ARCW Leavitt Insurance Services aims to expand its capabilities as a multi-line agency, providing comprehensive personal and professional insurance solutions. A primary objective is to deliver sustained long-term value and customer satisfaction through a diverse range of insurance products, expertise, and innovative services. The company also focuses on supporting the professional development of its employees.
Specialization Areas
The company specializes in serving niche healthcare businesses, leveraging its historical connection with the Pinellas County Medical Association. It emphasizes personalized service and customized solutions for unique client needs across various insurance lines, including personal, business, and employee benefits. ARCW Leavitt Insurance Services also assists employers in navigating the complexities of their benefits landscape by integrating practical expertise and negotiating skills to design efficient employee benefit plans.
Target Markets
ARCW Leavitt Insurance Services primarily targets individuals and businesses in Florida. They offer solutions for diverse industries, including financial services, manufacturing, healthcare, hospitality, and technology, extending their services across more than 17 states through recent partnerships.
2. Financial Overview
Funding History
ARCW Insurance was acquired by Leavitt Group on January 28, 2021. As a private company operating as an affiliate of the Leavitt Group, specific individual revenue figures for ARCW Leavitt Insurance Services are not publicly available. The Leavitt Group, which acquired ARCW Insurance, is one of the largest privately held insurance brokerages in the nation, with a consolidated revenue of $530 million and is ranked as the 18th largest independent Property & Casualty Brokerage as of August 2025.
3. Product Pipeline
Key Products/Services
ARCW Leavitt Insurance Services offers a wide range of insurance products and services for personal, business, and employee benefits needs.
Personal Insurance: Includes ATV, boat, car, classic car, coastal risk, flood, high net worth, home & condo, jewelry, landlord, motorcycle, personal umbrella, private client, RV, and renters insurance.
Business Insurance: Encompasses bonds/surety, various business insurance types (e.g., business owner's, commercial auto, commercial property, commercial umbrella, small business), claims management, compliance & risk management, cyber liability, director and officer liability, executive & professional liability, inland marine, liability, management liability, professional liability, property & casualty, property insurance, risk management, and workers' compensation.
Employee Benefits: Covers business solutions & consulting, group health, health care reform, plan development & design, self-funded health plans, and voluntary benefits. They also provide COBRA administration and health analytics reporting and benchmarking.
4. Technology & Innovation
Technology Stack
ARCW Leavitt Insurance Services leverages various resources and sophisticated tools to enhance its service offerings and operational efficiency. For employee benefits programs, the company utilizes powerful pricing and cost analysis resources, benchmarking tools, and administrative resources. They offer online services for enrollment and benefits management technology.
Proprietary Developments
Through its relationship with NBS, the company provides comprehensive COBRA administration, including participant enrollment and maintenance, tracking timeframes, premium collection and reimbursement, and management of IRS-mandated forms and language requirements. Additionally, they offer health analytics reporting and benchmarking to help clients analyze employee claims data and identify high-cost areas for better expense management.
5. Leadership & Management
Executive Team
Chuck Wasson, CPCU, CIC - Co-Owner and President: With over 35 years in the insurance industry, Chuck Wasson began as an adjuster, gaining a strong foundation in claims and risk management. He became President in 2000, continuing his family's legacy. He focuses on educating clients about potential risks and appropriate coverage and holds a bachelor's degree from the University of Florida.
Tammy L. Mulrain, CIC, AIAM - Co-Owner and Chief Operating Officer (COO): Tammy Mulrain has over 25 years of experience in the insurance industry and is recognized for her leadership, innovation, and client-focused approach. She focuses on enhancing client service and education while fostering a supportive workplace and was appointed co-owner effective January 1, 2025.
Adam Sechrest - Chief Operating Officer (COO): Adam Sechrest has emphasized the agency's commitment to superb client service, local ownership, and opportunities for growth through its affiliation with Leavitt Group.
John Parafinczuk - Director of Employee Benefits: John has over 11 years of experience in HR consulting, talent acquisition, and the insurance industry. He focuses on strategic benefits design, mitigating risk, controlling costs, and supporting organizational growth. He holds a bachelor's degree from Barry University and an MBA from Nova Southeastern University.
Crystal Callahan Lawson, CIC - Commercial Insurance Advisor and Producer: With over 20 years of industry experience and a Certified Insurance Counselor (CIC) designation, Crystal specializes in uncovering policy nuances to provide optimal solutions and a seamless client experience. She previously founded CLC Insurance Agency, which merged with ARCW Insurance in May 2024.
Anthony Siviglia - Associate Agent / Senior Insurance Advisor: Anthony specializes in Commercial Property, Risk Management, and General & Excess Liability with nearly a decade of experience, serving individuals and businesses across West and Central Florida.
Recent Leadership Changes
Tammy L. Mulrain, who joined ARCW Leavitt Insurance Services as Chief Operating Officer and Vice President of Operations, was appointed as a co-owner of the agency, effective January 1, 2025. Crystal Callahan Lawson, founder of CLC Insurance Agency, joined ARCW Insurance as a commercial insurance advisor in May 2024 following the merger of her agency with ARCW Insurance.
6. Talent and Growth Indicators
As of September 2025, ARCW Leavitt Insurance Services has approximately 20 employees. The company is actively recruiting for key roles such as a "Commercial Lines Account Manager" in Pinellas Park, FL, offering a hybrid work arrangement with a salary range of $65,000 to $85,000. This role emphasizes developing long-term client connections, driving retention and growth, and managing policy servicing. The broader Leavitt Group, with which ARCW is affiliated, focuses on fostering a team atmosphere, offering competitive salaries, paid license renewals and continuing education, and attractive benefits packages including 401(k) with company matching.
7. Social Media Presence and Engagement
ARCW Leavitt Insurance Services maintains a presence on Facebook, YouTube, and X (formerly Twitter). These platforms are used to share company updates, insurance information, and engage with their community. The company's website also features a blog and provides client portals, indicating a focus on digital engagement and providing resources to clients.
8. Recognition and Awards
ARCW Insurance has received recognition within the Leavitt Group network. The company was awarded an "Agency Excellence Award" in the category of "Revenue between $2mm and $6mm" at the 2024 Leavitt Group Partners Conference. Furthermore, ARCW Insurance received a "Kelly R. Russell Agency Excellence Award" at the 2023 Leavitt Group Conference, highlighting its strong performance.
9. Competitive Analysis
ARCW Leavitt Insurance Services operates within the competitive Florida insurance market, offering a wide range of insurance products for individuals and businesses. They work with top carriers such as Travelers Group, Hartford Fire & Casualty Group, CNA Insurance Group, and RetailFirst Group. Their competitive landscape includes other local independent insurance agencies and larger national brokerages that serve Florida.
10. Market Analysis
Market Overview
Florida's insurance market is experiencing dynamic shifts, with recent legislative reforms in 2023 contributing to stabilization. The state's homeowners' insurance market, in particular, has seen significant changes, moving from years of instability and steep premium increases to a period of cautious optimism.
Growth Potential
The outlook for Florida's insurance market is more hopeful, with many insurers filing for modest rate reductions and increased participation in the Citizens Depopulation program. The entry of new insurers and policies shifting from Citizens back to private carriers indicate private market growth. The commercial property insurance market in Florida also shows premium growth, with surplus lines playing a significant role.
Key Market Trends
Rate Stabilization and Decreases: As of October 2024, several companies have filed for rate decreases or zero percent increases for homeowners' rates, a significant shift from previous years. The average 30-day rate request for homeowners' rates has plummeted to 0.8% from 21.8% two years prior.
Increased Private Market Participation: Over 10 new insurers have entered the Florida market since late 2023, and 18 companies have been approved to assume more than 1,000,000 policies through the Citizens Depopulation program.
Reduced Reinsurance Costs: Reinsurance costs have decreased for Florida carriers, with the average risk-adjusted cost for 2024 showing a reduction from the previous year.
Legislative Reforms: Reforms enacted in 2022 targeted legal challenges and excessive litigation, leading to a decline in lawsuits against insurers.
Market Challenges and Opportunities
While the market is showing signs of improved health, reduced litigation costs, and strong underwriting results for Floridian-predominant carriers, resilience against active hurricane seasons remains a key test. Opportunities exist for independent brokers who have access to multiple carriers to compare rates and identify appropriate coverage options in this complex market.
11. Strategic Partnerships
Leavitt Group (since 2021): This affiliation provides ARCW Leavitt Insurance Services with access to national resources, extended capabilities, and a broader network, while maintaining local ownership and personalized service.
CLC Insurance Agency (merged May 2024): The merger with CLC Insurance Agency, founded by Crystal Callahan Lawson, expanded ARCW's product offerings and client care, particularly in commercial insurance.
Patriot Insurance Network (merged October 2023): Patriot Insurance Network merged with ARCW Insurance, further expanding the agency's presence in the Florida market for business, personal, and health insurance.
* Corporate Benefits Network (joined September 2025): This collaboration brought two decades of experience in benefits design, compliance, and administration to ARCW's employee benefits team, expanding resources for CBN's clients who span various industries across more than 17 states.
12. Operational Insights
ARCW Leavitt Insurance Services differentiates itself by combining the extensive national resources and support of the Leavitt Group—including loss control, training, greater negotiating power, strong underwriter relationships, claims management, and compliance expertise—with its local ownership structure and personalized service. This hybrid approach allows the agency to offer comprehensive solutions typically associated with larger brokers while maintaining a community-focused, consultative client experience. Their strategic focus on niche markets such as healthcare businesses and their ongoing mergers and partnerships, like with Corporate Benefits Network for employee benefits, demonstrate a proactive approach to expanding expertise and market reach. Their emphasis on employee professional development aims to ensure a knowledgeable and efficient team.
13. Future Outlook
Strategic Roadmap
The strategic roadmap for ARCW Leavitt Insurance Services involves continued expansion of its multi-line agency capabilities and market reach through organic growth and further strategic partnerships. The recent mergers with CLC Insurance Agency, Patriot Insurance Network, and Corporate Benefits Network indicate a clear direction towards strengthening both commercial and employee benefits offerings. Leveraging the broader resources and advanced technology provided by its affiliation with the Leavitt Group, ARCW is positioned to offer even more comprehensive and customized insurance solutions. The company plans to continue its dedication to the professional development of its employees, which supports its long-term objective of providing sustained value to clients within the evolving insurance landscape. They aim to embrace new opportunities while remaining committed to the personalized service their clients expect.
