The history of F & S Insurance began in 1996 with a one-person insurance agency based in Fort Lauderdale, Florida. The agency's most significant growth came with development of a specialized insurance market for hotel & motels, restaurants, c-stores, service stations, auto repairs and other auto related businesses.

F&S Insurance primarily markets to small business owners and brokers including gas station, convenience store, auto repairs, fast food restaurant, c-store, hotels and motels, etc. Its customers are mostly business owners who own multiple units who demand value priced insurance premiums from agents who could provide all lines of insurance.