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): July 9, 2003

BROWN & BROWN, INC.

(Exact name of registrant as specified in its charter)

Florida

0-7201

59-0864469

(State or other jurisdiction

(Commission File Number)

(IRS Employer

of incorporation)

Identification No.)

220 South Ridgewood Avenue, 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)

Item 7.

Financial Statements, Pro Forma Financial Information and Exhibits.

The following exhibit is furnished herewith pursuant to Items 9 and 12 of this Report and shall not be deemed to be "filed" for any purpose, including for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section.

(c)

Exhibits.

99

Press Release issued July 9, 2003.

Item 9.    

Regulation FD Disclosure and Item 12. Disclosure of Results of Operations

and Financial Condition.

     On July 9, 2003, Brown & Brown, Inc., a Florida corporation, issued a press release relating to the Company's earnings for the second quarter of fiscal year 2003.  A copy of the press release is furnished as part of this report pursuant to Items 9 and 12 of this Form 8-K.

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: July 24, 2003