- December 4, 2025
Steve Hall on July 5th 1975, on the day of his business opening. Photo provided by Vicky Hall
Steve Hall reminiscing on his first photo in front of his business in 1975. Photo provided by Vicky Hall
Steve and Vicky Hall at their surprise 50th anniversary party. Photo provided by Vicky Hall
Steve Hall started East Coast Insurors with only $1,500 in his pocket.
With only two years of experience in the insurance world as an underwriter for Allstate insurance, Hall decided he wanted to do more. With the help of his uncle, he was able to rent a room out of an office on Seabreeze Boulevard in Daytona Beach to start his own insurance company in 1975.
"I realized that there was more money in selling insurance then there was in underwriting so I asked Allstate if I could be an Allstate agent and they said no, they didn’t like their underwriters leaving and trying to become agents,” Steve Hall said, “So I said ‘Well I’m going to start my own insurance company then’ and that’s exactly what I did.”
On July 5, Hall celebrated 50 years in business.
After a year and a half of working out of the rental room, Hall had enough money and clientele to purchase his first building off of Mason Avenue in Daytona Beach. Since then, he has relocated this office to Ormond Beach, at 801 S. Yonge St., Suite 1. In 1989, he opened a second location in Palm Coast, located at 4845 Belle Terre Parkway, Suite E.
Vicky Hall, Steve’s wife, joined the company in 2007 shortly after they got married. She said the coincidence of East Coast Insurors’ Palm Coast location being located in Victoria Plaza was “a sign that we belonged together."
The agency transfers clients risks’ to insurance companies, providing financial protection, post losses. This may include houses, cars or other personal property that was lost or damaged in accidents or natural disasters. Their goal is to help their clients get back to where they were before the loss.
“ It’s a lot of work, but it’s satisfying to get rewarded when you know you’re doing a good job for your clients; when something happens and they know that they’re correctly insured because you took care of them,” Vicky Hall said.
Things haven’t always been smooth sailing though. In 1993, the impact of Hurricane Andrew led to many insurance companies going bankrupt due to not having the money to pay out all of their claims. Luckily, East Coast Insurors only had one company they were affiliated with go bankrupt. They stayed on their feet and kept growing from there, despite the minor setbacks.
The Halls have spent time and money educating their employees on insurance contracts and how to help clients understand their personalized policy and what it provides. Vicky Hall said they believe this is an important aspect of their company as everyone who works for them should know how to read insurance policies and how to help and assist clients find the right one.
Vicky Hall and a few of their associates came together to surprise Steve Hall with a party to celebrate the 50th anniversary of his business. The surprise was almost ruined when Steve’s car broke down, but the associates had a plan and put all of Vicky’s ideas together for the surprise party.
“I’m very fortunate to have great people that not only work with me now, but have also worked with me in the past," Steve Hall said. "It helps make things better and Vicky is one of those great people."
