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Brown & Brown, Inc. markets and sells insurance products and services in the United States, Bermuda, Canada, Ireland, the United Kingdom, and the Cayman Islands. It operates through five segments: Retail, National Programs, Wholesale Brokerage, Services and Other. The Retail segment offers various insurance products and services to business and individual customers. It has a network of branch offices that provide property/casualty insurance products; alternative risk transfer; life, health and employee benefit insurance; warranty; credit service organization surety bonds; financial products and services; risk management services; healthcare management solutions; futures management; workers' compensation claim administration services; loss control service.