# Brown & Brown

> Brown & Brown, Inc. (NYSE: BRO) is a Daytona Beach, Florida headquartered insurance brokerage and risk-management intermediary founded in 1939, and one of the largest independent brokers in the United States. It is a distributor, not a carrier: it places risk with insurers rather than underwriting it. Following the 2025 acquisition of Accession Risk Management Group (Risk Strategies and One80 Intermediaries) it reports through two segments — Retail (property and casualty, employee benefits, private client, captive solutions, financial and wealth services) and Specialty Distribution (programs, wholesale brokerage and MGA/binding-authority businesses including Arrowhead).

> API posture: Brown & Brown publishes NO public API, NO developer portal and NO machine-readable specification. This file is generated by API Evangelist from the catalog record, not published by Brown & Brown.

## API surface

- [No public API](https://us.bbrown.com/): There is no developer portal, no API reference, no OpenAPI/Swagger/AsyncAPI/GraphQL/gRPC artifact, no public Postman workspace, no SDK and no webhook catalog on any Brown & Brown first-party property. developer.bbrown.com, developers.bbrown.com, docs.bbrown.com and api.bbrown.com do not resolve in DNS; /developers, /developer, /api, /partners and /integrations return 404 on both bbrown.com and us.bbrown.com.
- [Arrowhead Programs Enterprise API (EAPI)](https://arrowheadprograms.com/how-our-strategic-api-team-is-broadening-our-market-reach/): The only genuine programmatic surface in the group, and it is partner-gated. A quote-only rating integration over the Arrowhead Exchange agent platform (Specialty Distribution segment), delivered by commercial agreement to comparative raters and aggregators — CoverHound, Tarmika, Semsee, DAIS. No public documentation, no published base URL, no specification. api.arrowheadexchange.com resolves behind Cloudflare and returns 404 for the root and for every probed spec path.
- Insurance verbs: quote is exposed partner-only; bind, issue and FNOL are not exposed by any documented API.
- Carrier data exchange: no ACORD, AL3, ACORD XML or NGDS reference is published by Brown & Brown. Exchange runs through the agency management system tier — Brown & Brown is a publicly referenced Vertafore AMS360 agency — and IVANS agency download, which belongs to the AMS vendor and the carriers, not to a Brown & Brown interface.

## Machine-readable documents

- [Blog RSS feed](https://us.bbrown.com/blog/rss.xml): RSS 2.0 syndication of the Brown & Brown blog. Content syndication, not an API.
- [News release RSS feed](https://investor.bbrown.com/rss/news-releases.xml): RSS 2.0 syndication of investor news releases.
- [Sitemap](https://us.bbrown.com/sitemap.xml): 1,144 URLs across the US marketing site.
- No /.well-known/ document of any kind is served — no security.txt, no openid-configuration, no oauth-authorization-server, no api-catalog, no ai-plugin.json.

## Company

- [US website](https://us.bbrown.com/): Industries, solutions, consulting and insights for the US market.
- [Global website](https://www.bbrown.com/): Region-partitioned corporate site (US, UK, Ireland).
- [About](https://us.bbrown.com/about/): Company, culture, leadership and business segments.
- [Investor relations](https://investor.bbrown.com/): NYSE: BRO. Q1 2026 total revenues $1.9 billion, up 35.4%.
- [Blog](https://us.bbrown.com/blog): Risk, benefits and market-outlook writing.
- [Careers](https://us.bbrown.com/careers/)
- [Contact](https://us.bbrown.com/contact-us)
- [Customer logins](https://us.bbrown.com/customer-logins): Directory of the agent, client and vendor application login walls. Every one is authenticated (Microsoft Entra ID SSO or a third-party vendor login); none carries reference documentation.

## Legal

- [Privacy policy](https://us.bbrown.com/privacy-policy)
- [Privacy statement](https://us.bbrown.com/privacy-statement)
- [General terms of business](https://us.bbrown.com/general-terms-of-business)
- [Legal notices](https://us.bbrown.com/legal-notices)
- [Cookie policy](https://us.bbrown.com/cookie-policy)
- [Accessibility](https://us.bbrown.com/accessibility)

## Technology signal

- [AI-first transformation, July 23 2026](https://investor.bbrown.com/news-releases/news-release-details/brown-brown-enlists-anthropic-mckinsey-and-accenture-help): Brown & Brown announced it has selected Anthropic, McKinsey & Company and Accenture to move to an AI-first operating model, deploying Claude across 23,000 teammates and Claude Code across the entire software engineering organization, with a value management office for governance and ROI. This is internal AI adoption; as of this record it has produced no external API, developer portal or agent-facing surface.

## API Evangelist record

- [apis.yml](https://raw.githubusercontent.com/api-evangelist/brown-brown/refs/heads/main/apis.yml): APIs.json catalog entry.
- [review.yml](https://raw.githubusercontent.com/api-evangelist/brown-brown/refs/heads/main/review.yml): Full reviewer finding — every probed URL with its HTTP status, the ACORD posture record, and the US market seam.
- [well-known](https://raw.githubusercontent.com/api-evangelist/brown-brown/refs/heads/main/well-known/brown-brown-well-known.yml): Discovery-surface probe record (all misses).
- [domain security](https://raw.githubusercontent.com/api-evangelist/brown-brown/refs/heads/main/security/brown-brown-domain-security.yml): TLS/HSTS/DNSSEC/CAA/SPF/DMARC probe.