Manatee County, FL
Insurance Agency
Bulls Insurance Group is Manatee County's hometown independent insurance agency. We know every community from Anna Maria Island to Parrish — and the unique risks that come with each one. 30+ A-rated carriers, one trusted local team.
Every Line of Insurance for Manatee County
Whether you're a homeowner in Lakewood Ranch, a contractor in Palmetto, or a retiree on Anna Maria Island — we've got the right coverage.
Homeowners
- Wind & Hurricane Coverage
- Citizens & Private Markets
- Wind Mitigation Discounts
- High-Value Homes
Flood Insurance
- NFIP & Private Flood
- Manatee River Flood Zones
- Elevation Certificates
- Non-Mandatory Zone Options
Contractors
- General Liability
- Workers' Comp
- Same-Day Bonds
- Subcontractor Coverage
Commercial & Trucking
- FMCSA-Compliant Coverage
- Cargo & Physical Damage
- Owner-Operators
- Fleet Programs
Life, Health & Medicare
- Medicare Advantage & Part D
- Fixed & Indexed Annuities
- IUL for Business Owners
- Term & Whole Life
Boat & Marine
- Agreed Value Policies
- Tampa Bay & Gulf Coverage
- Manatee River Marinas
- Bluewater Navigation
Every Corner of
Manatee County
From the Gulf beaches of Anna Maria Island to the rural properties in Myakka City, from the master-planned communities of Lakewood Ranch to the industrial corridors of Palmetto — we write insurance across all of Manatee County and understand each community's unique risk profile.
Don't see your community? We serve all of Manatee, Sarasota, and Charlotte Counties. If you're in Southwest Florida, we can help. Call (941) 685-5467.
Questions from Manatee County Clients
Does Bulls Insurance Group write policies throughout all of Manatee County?
Yes. We cover every community in Manatee County including Bradenton, Palmetto, Parrish, Ellenton, Anna Maria Island, Holmes Beach, Longboat Key, Lakewood Ranch, and Myakka City. We also serve neighboring Charlotte and Sarasota Counties.
Are there specific flood risks in Manatee County I should know about?
Yes. Manatee County has significant flood risk along the Manatee River, Braden River, and coastal areas. Anna Maria Island and Longboat Key are in high-risk hurricane storm surge zones. Even inland areas like Parrish have experienced flooding. We look up your specific address flood zone and explain exactly what coverage makes sense.
I'm a contractor working in Manatee County — can you get me bonded fast?
Absolutely. We can typically bind contractor license bonds and performance bonds same-day in most cases. We also write general liability and workers' comp for contractors throughout Manatee County and can package them all together for simplicity.
My property is on Anna Maria Island. Is it harder to insure?
Anna Maria Island properties are in high wind and storm surge zones, which limits the number of standard carriers willing to write them. However, we have access to specialty coastal markets and excess & surplus lines that write barrier island properties. We'll find you a real solution, not just a "sorry, can't help."
How does Lakewood Ranch differ from other Manatee County areas for insurance?
Lakewood Ranch properties tend to have newer construction which often qualifies for better wind mitigation credits. Flood risk varies widely by specific location within the community — some areas are in high-risk zones while others are not. We assess each property individually.
Your Manatee County
Insurance Partner
Locally based in Bradenton. Serving every community in Manatee County. Real agents, real answers, real coverage.