Business Insurance
For many small businesses, Florida is a hardening insurance market. High premium rates, fewer options, driven by frequent severe weather conditions (hurricanes), high litigation costs, insurer exodus, roofing scams, and the rising price of reinsurance, leading to increased costs and stricter underwriting forcing businesses to focus on risk mitigation. We are here for you. We help you navigate the complex market and make your business stand tall.
Life Insurance
One of America’s founding fathers, Benjamin Franklin once wrote, In this world nothing is certain but death and taxes.” No doubt you want your family to be cared for should that certainty befall you.
Did you experience the challenge of finding life insurance in Florida because you had a pre-existing health condition, or because you use tobacco? The high premiums and limited options for individuals with high-risk lifestyles, has convinced many that life insurance is no longer an option for them.
We are opening the door for you and offer alternatives. We offer guaranteed issue life insurance. No medical questions asked. Please give us a call.
Commercial Auto
Do you have a work truck? Are you shopping for an auto policy for your vehicle? We are here for you.
Finding commercial auto insurance in Florida can challenging. The state’s high accident rates, frequent severe weather (hurricanes), high percentage of uninsured motorists, and unique legal landscape, has driven up costs and made carriers cautious, requiring more vetting for high-risk industries, poor driver records, and specialized vehicles. Underwriters demand extra documentation, like DOT scores and maintenance records, making the process complex and needing more lead time.
We help you navigate the maze of complex requirements for the best coverage at the least cost.
Home Insurance
In the last few years, home insurance in Florida has gone through a severe crisis.
Frequent hurricanes & climate risks, skyrocketing reinsurance costs, and excessive litigation have caused many insurers to withdraw, leaving fewer options, much higher premiums (often double the national average), and homeowners forced into the state-run insurer of last resort, Citizens Property Insurance. This leads to limited choices, potential underwriting delays, and coverage gaps for residents. Many homeowners struggle to find coverage, some choosing to go without it.
Let that not be your choice. We stand with you. We will find coverage for you.
Auto Insurance
Do you see your car insurance going up every time you have to renew your policy?
Florida’s high rate of uninsured drivers, the state’s no-fault system (PIP), widespread insurance fraud, frequent hurricanes and a lack of competition as major insurers pull back, has left fewer options and higher prices for drivers like you. Coupled with high population density and accident rates, especially in urban areas, makes Florida one of the most expensive states for car insurance.
Stop! Don’t go from carrier to carrier shopping around. We’ll do it for you. Just give us a call. We will take care of the shopping for you, present the options and let you choose the best coverage for your family.
Motorcycle Insurance
Do you enjoy riding your motorcycle? You are entitled to your hobby. Enjoy the ride in the sunshine state. But make sure you are covered.
Unlike cars, Florida doesn’t require motorcycle insurance just to register or ride, which can lull riders into a false sense of security. If you’re at fault in a crash, you’re personally responsible for others’ injuries and damages, potentially facing high costs without insurance, as you must prove financial responsibility. Remember, Motorcycles are exempt from Florida’s auto PIP laws, meaning you don’t get your own medical bills covered automatically; you need optional medical payments coverage or good health insurance.
Give us call. Let us get you covered.
Renters Insurance
Are you new to Florida? Are you a long-time resident who has chosen to rent rather than own a home in the sunshine state?
Shopping for renters insurance in Florida isn’t necessarily difficult. The main problem is finding it affordably and with sufficient coverage. Due to the state’s high exposure to hurricanes, windstorms, and lawsuits, many renters experience higher premiums and insurers exodus.
We’ll work with you and ensure that you have sufficient coverage without gaps.
