Exhibit 12.1

STATEMENT REGARDING RATIO OF EARNINGS TO FIXED CHARGES

 Brown & Brown’s ratio of earnings to fixed charges for each of the periods indicated is as follows:

	FOR THE YEAR ENDED DECEMBER 31,
	2008		2007		2006		2005		2004
Fixed Charges:
Interest expensed and capitalized	$	14,690	$	13,802	$	13,357	$	14,469	$	7,156
Amortized premiums, discounts and capitalized expenses related to indebtedness		—		—		—		—		—
Estimate of interest within rental expense		—		—		—		—		—
Preferenced security dividend requirements of consolidated subsidiaries		—		—		—		—		—
Total Fixed Charges	$	14,690	$	13,802	$	13,357	$	14,469	$	7,156
Earnings:
Pretax income	$	272,498	$	311,527	$	280,041	$	244,130	$	206,949
Addback:
Fixed charges		14,690		13,802		13,357		14,469		7,156
Amortization of capitalized interest		—		—		—		—		—
Distributed income of equity investees		—		—		—		—		—
Losses of equity investees		—		—		—		—		—
Less:
Interest capitalized		—		—		—		—		—
Preference security dividend requirement of consolidated subsidiaries		—		—		—		—		—
Minority interest in pre-tax income of subsidiaries		—		—		—		—		—
Total Earnings	$	287,188	$	325,329	$	293,398	$	258,599	$	214,105
Ratio of Earnings to Fixed Charges		19.5		23.6		22.0		17.9		29.9