About Agent IQ — Independent Insurance Advisors in Florida

Agent IQ began with a conversation between two longtime friends who had spent years working in the insurance industry. Lucas Zerbe had been a licensed insurance agent in Florida for more than 16 years. Thomas Abruscato had spent a decade in insurance marketing before becoming a licensed agent himself.

Between us, we had seen the insurance business from almost every angle — sales, marketing, training, customer service, and most importantly, sitting across the table from people trying to make sense of their options. One day, we asked each other a simple question: Why do agencies and agents make insurance so complicated?

Why can't buying insurance be more like doing business anywhere else? Why can't someone ask questions and get straightforward answers? Why can't an agent explain the advantages and limitations of a policy instead of simply trying to make a sale? Why can't one agency help clients with all their insurance needs instead of sending them in five different directions?

The questions seemed simple. The answers weren't.

For nearly a year, that conversation stayed in the back of our minds. The more we talked about it, the more we realized that complaining about what was wrong with the insurance industry wasn't going to change anything. So we decided to build the kind of insurance agency we believed should exist.

An agency filled with people who genuinely want to help people. An agency where educating the client comes before selling the client. An agency where insurance isn't presented as a confusing collection of deductibles, exclusions, networks, premiums, and fine print — but as something that can be explained in plain English.

Before we chose a name, designed a logo, or thought about marketing, we sat down and asked another question: What matters most to someone buying insurance today? Our answer became the foundation of Agent IQ.

That philosophy led us to create Agent IQ in 2025. Our goal was to build a true one-stop insurance agency where clients could turn for multiple insurance needs and receive the same straightforward approach every time. No unnecessary confusion. No pressure to buy something you don't understand. No pretending that one insurance company or one type of policy is right for everyone.

Instead, we want to educate, compare, explain, and help you decide. That's what we mean when we say: Agent IQ — The Smarter Insurance Agency.

We're proud to serve Florida, and we look forward to doing so for many years to come. Our philosophy is remarkably simple: treat every client the same way we would expect to be treated ourselves. That's why we started Agent IQ. And that's how we intend to do business.