<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>7
<FILENAME>g71157ex24.txt
<DESCRIPTION>POWERS OF ATTORNEY
<TEXT>
<PAGE>   1


                                                                    EXHIBIT 24.1

                                POWER OF ATTORNEY

The undersigned constitutes and appoints Laurel L. Grammig and Thomas M.
Donegan, Jr., or either of them, as his true and lawful attorney-in-fact and
agent, with full power of substitution and resubstitution, for him and in his
name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as he might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ Samuel P. Bell, III
-------------------------------
Samuel P. Bell, III


Dated:  July 30, 2001


                                POWER OF ATTORNEY

The undersigned constitutes and appoints Jim W. Henderson, Laurel L. Grammig and
Thomas M. Donegan, Jr., or any of them, as his true and lawful attorney-in-fact
and agent, with full power of substitution and resubstitution, for him and in
his name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as he might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ J. HYATT BROWN
------------------------------
J. Hyatt Brown

Dated:  July 27, 2001


<PAGE>   2


                                POWER OF ATTORNEY

The undersigned constitutes and appoints Laurel L. Grammig and Thomas M.
Donegan, Jr., or either of them, as his true and lawful attorney-in-fact and
agent, with full power of substitution and resubstitution, for him and in his
name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as he might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ BRADLEY CURREY, JR.
-------------------------------
Bradley Currey, Jr.


Dated:  July 30, 2001



                                POWER OF ATTORNEY

The undersigned constitutes and appoints Laurel L. Grammig and Thomas M.
Donegan, Jr., or either of them, as his true and lawful attorney-in-fact and
agent, with full power of substitution and resubstitution, for him and in his
name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as he might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ JIM W. HENDERSON
-----------------------------
Jim W. Henderson

Dated:  August 2, 2001





<PAGE>   3


                                POWER OF ATTORNEY

The undersigned constitutes and appoints Laurel L. Grammig and Thomas M.
Donegan, Jr., or either of them, as his true and lawful attorney-in-fact and
agent, with full power of substitution and resubstitution, for him and in his
name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as he might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ THEODORE J. HOEPNER
-----------------------------
Theodore J. Hoepner

Dated:  July 30, 2001



                                POWER OF ATTORNEY

The undersigned constitutes and appoints Laurel L. Grammig and Thomas M.
Donegan, Jr., or either of them, as his true and lawful attorney-in-fact and
agent, with full power of substitution and resubstitution, for him and in his
name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as he might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ DAVID H. HUGHES
-----------------------------
David H. Hughes

Dated:  July 30, 2001




<PAGE>   4


                                POWER OF ATTORNEY

The undersigned constitutes and appoints Laurel L. Grammig and Thomas M.
Donegan, Jr., or either of them, as her true and lawful attorney-in-fact and
agent, with full power of substitution and resubstitution, for her and in her
name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as she might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ TONI JENNINGS
-----------------------------
Toni Jennings

Dated:  July 30, 2001




                                POWER OF ATTORNEY

The undersigned constitutes and appoints Laurel L. Grammig and Thomas M.
Donegan, Jr., or either of them, as his true and lawful attorney-in-fact and
agent, with full power of substitution and resubstitution, for him and in his
name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as he might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ JOHN R. RIEDMAN
--------------------------
John R. Riedman

Dated:  July 30, 2001




<PAGE>   5


                                POWER OF ATTORNEY

The undersigned constitutes and appoints Laurel L. Grammig and Thomas M.
Donegan, Jr., or either of them, as his true and lawful attorney-in-fact and
agent, with full power of substitution and resubstitution, for him and in his
name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as he might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ JAN E. SMITH
-----------------------------
Jan E. Smith

Dated:  July 30, 2001



                                POWER OF ATTORNEY

The undersigned constitutes and appoints Laurel L. Grammig and Thomas M.
Donegan, Jr., or either of them, as his true and lawful attorney-in-fact and
agent, with full power of substitution and resubstitution, for him and in his
name, place and stead, in any and all capacities, to sign and file a
registration statement on Form S-4, and any amendments thereto (including any
post-effective amendments), for purposes of registering those shares of the
common stock of Brown & Brown, Inc. to be issued in connection with the
acquisition of Golden Gate Holdings, Inc., a California corporation, which
registration statement is to be filed with the Securities and Exchange
Commission in accordance with the rules promulgated by the Commission, granting
unto said attorneys-in-fact and agents full power and authority to do and
perform each and every act and thing requisite and necessary to be done in and
about the premises as fully to all intents and purposes as he might or could in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents, or their substitutes, may lawfully do or cause to be done by virtue
hereof.

/s/ CORY T. WALKER
-----------------------------
Cory T. Walker

Dated:  August 3, 2001




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