Brown & Brown (NYSE: BRO) announces Q4 and full-year 2025 results

Rhea-AI Filing Summary

Brown & Brown, Inc. furnished an update on its business performance by announcing results of operations for the fourth quarter and fiscal year ended December 31, 2025. The company did this through a press release dated January 26, 2026, which is included as Exhibit 99.1 to this report and incorporated by reference. The information regarding these results is being furnished, rather than filed, under securities laws, which limits its use for certain liability and incorporation purposes.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 26, 2026

BROWN & BROWN, INC.

(Exact name of registrant as specified in its charter)

Florida		001-13619		59-0864469
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

300 North Beach Street, Daytona Beach, Florida 32114

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (386) 252-9601

N/A

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.10 Par Value	BRO	New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On January 26, 2026, Brown & Brown, Inc. issued a press release announcing its results of operations for the fourth quarter and fiscal year ended December 31, 2025. A copy of the press release is furnished as Exhibit 99.1 hereto and is incorporated herein by reference.

The information furnished herewith pursuant to Item 2.02 of this Current Report, including Exhibit 99.1, shall not be deemed to be filed for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. The information in this current report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

The following exhibit is furnished herewith:

Exhibit No.		Description
99.1		Press Release dated January 26, 2026.
104		Cover Page Interactive Data File (formatted as inline XBRL).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: January 26, 2026

BROWN & BROWN, INC.

(Registrant)

By:

/s/ R. Andrew Watts

R. Andrew Watts, Executive Vice President, Chief Financial Officer and Treasurer

FAQ

What did Brown & Brown (BRO) disclose in this 8-K filing?

Brown & Brown, Inc. furnished a press release announcing its results of operations for the fourth quarter and fiscal year ended December 31, 2025, as Exhibit 99.1.

Which period’s results are covered in Brown & Brown’s latest update?

The update covers Brown & Brown’s results of operations for the fourth quarter and the fiscal year ended December 31, 2025.

How did Brown & Brown (BRO) provide its Q4 and 2025 results details?

The company provided details in a press release dated January 26, 2026, which is furnished as Exhibit 99.1 and incorporated by reference into this report.

Is the financial information in this Brown & Brown 8-K considered filed with the SEC?

The information related to Item 2.02, including Exhibit 99.1, is expressly stated as furnished, not filed, for purposes of Section 18 of the Securities Exchange Act of 1934.

Can the Brown & Brown press release in Exhibit 99.1 be automatically incorporated into other SEC filings?

No. The company states that the information shall not be incorporated by reference into any registration statement or other document under the Securities Act of 1933, except where specifically referenced.

Who signed this Brown & Brown 8-K report?

The report was signed on behalf of Brown & Brown, Inc. by R. Andrew Watts, Executive Vice President, Chief Financial Officer and Treasurer.