Business insurance
Hard-to-place risks, placed fast
General contractors, coastal properties, unique operations; we solve commercial risks through markets most agents can't reach. Relationships built as a top commercial producer expedite E&S markets for faster quotes than anyone else.
We shop the entire market: 40+ direct carriers, 600+ carriers nationwide, through wholesalers.
What we cover
Commercial coverage for South Florida operators
If you've been declined, non-renewed, or quoted a number that makes no sense, that's the work we do best. Admitted, non-admitted, and wholesale markets, with a real answer, often the same day.
General liability
Contractor-friendly forms, additional insureds, and certificates issued fast.
Commercial property
Coastal and older buildings, wind and flood layered where admitted markets won't go.
Workers' compensation
Class-code accuracy and audit support so you aren't overpaying premium.
Commercial auto & fleet
Trucks, trailers, hired and non-owned, and driver-risk structures.
E&S / specialty
Professional liability, builders risk, inland marine, unique operations, and one-off exposures.
Umbrella & excess
Layered limits to satisfy contracts, landlords, and lenders without over-buying.
Get a quote
Two ways to start
Take the 60-second ballpark, or go straight to the real diagnosis and we'll shop 40+ carriers.
Path 1
Instant ballpark
Six quick questions, one per screen. 60 seconds.
Path 2
The real diagnosis
Accurate full quote across every market we reach.
Independent · 40+ carriers · No obligation
Proof it works
A restaurant came to us paying $140,000 a year for a program that never fit the actual risk; the property limits were inflated, the liability form was wrong for the operation, and the whole account sat with one carrier that had no appetite for hospitality. We rebuilt it across the right markets and landed near $30,000 a year with better coverage than they started with. That is $110,000 a year returned to the business, every year going forward.
Thirty-three vehicles across three companies were crammed onto a single policy, and two of those businesses were effectively uninsured because the named insured on the policy did not match the entities operating the trucks. One serious loss would have been denied. We restructured the program into four policies aligned to the actual entities, added coverage that was missing, and cut roughly $130,000 a year off the total spend.
Insurance Tetris
We call it Insurance Tetris; creative multi-carrier, multi-line structuring that saves clients $10K to $140K+ per year while increasing coverage.
What sets us apart
What sets our commercial work apart
Wholesaler relationships others don't know exist
We solve hard-to-place commercial risks; general contractors, coastal properties, unique operations; through markets most agents can't reach. Relationships with wholesalers built as a top commercial producer expedite E&S markets for faster quotes than anyone else.
Admitted and non-admitted carriers
Full range of options, including non-admitted carriers with financials stronger than many admitted ones.
First-in-line on new carriers
As part of State Insurance Group, we're appointed with new carriers before they hit the broader market. This could take other companies years of waiting.
Advocacy on denials
When a carrier says no, we find a path to yes.
Solutions others don't find
That's the standard we hold ourselves to. One of many examples is your flood insurance: we have NFIP Flood Insurance (FEMA), but also private markets with higher coverage limits and better rates.
The diagnosis approach
Just like you go to the doctor to get a diagnosis, we cater to your insurance needs in the big picture. We dissect what a client has, identify gaps, and lay out real options, not one quote and a signature line. If there's a carrier for thousands less, we'll tell you what needs to be done on your home to get the rate you deserve.
Google Reviews
Reserved
Live Google reviews widget embeds here
Declined elsewhere? Send it to us.
We've placed risks turned down by multiple brokers; sometimes within thirty minutes.