Insurance agency Brown & Brown (B&B) provides property/casualty, life, and health insurance, and risk management services through its retail division, mainly to commercial clients. Its national programs division designs customized programs for such niche clients as dentists, lawyers, optometrists, and towing operators. Its wholesale brokerage unit distributes excess and surplus commercial insurance, as well as reinsurance, to retail agents. B&B's services segment provides self-insured and third-party administrator services. The company has 240 offices in about 40 states, as well as offices in London, the Cayman Islands, and Bermuda.