Brown & Brown, Inc. is a diversified insurance agency, wholesale brokerage, insurance programs and service organization. It has four segments: Retail Division, which provides insurance products and services to commercial, professional and individual customers; National Programs Division, which contains Professional and Special Programs; Wholesale Brokerage Division, which markets and sells surplus commercial, personal insurance and reinsurance, and Services Division, which provides clients with third-party claims administration, consulting for workers compensation insurance market and medical utilization management services. In May 2011, it acquired First Horizon Insurance Group, Inc., Fitzharris Agency, Inc., Fitzharris & Company, Inc., and Fitzharris Administrators, Inc. In November 2011, it acquired Sitzmann, Morris & Lavis Insurance Agency, Inc. In November 2011, it acquired Industry Consulting Group, Inc. In January 2012, it acquired Independent Pharmaceutical Consultants, Inc.