David Carothers is the Principal of Florida Risk Partners, an independent risk management and insurance firm redefining what modern agencies can deliver. With nearly two decades of industry experience, David is widely recognized as a driving force behind agency transformation, known for blending deep insurance expertise with entrepreneurial execution.
In addition to leading Florida Risk Partners, David is the founder of Killing Commercial, a sales training platform helping independent producers scale middle-market books, and co-host of The Power Producers Podcast, a go-to resource for agency leaders nationwide. Through Catalyst Funding Solutions, he also invests in and advises insurance startups and turnarounds—bringing operational rigor and growth discipline to every engagement.
At Future of Distribution 2025, David Carothers will square off in a debate on the viability of the independent agency model—drawing on firsthand experience building resilient, tech-enabled firms without sacrificing the personal touch that defines the channel.
