What we cover
If another agency or insurer said no, start here. These are highlights of the business and home insurance we place for Florida clients — the full range goes well beyond this page.
Commercial Property & Package
Commercial Property
Retail, office, industrial, lessor's risk, and mixed-use buildings — including older construction, coastal wind exposure, and accounts with prior losses.
Commercial Package (Property + GL)
Property and general liability placed together as one coordinated package, with both sides marketed simultaneously so nothing waits on anything else.
Builders Risk
Ground-up construction and renovation projects, from single structures to multi-building schedules.
Vacant Property
Vacant buildings and dwellings the admitted market won't consider — short-term and longer-term vacancies alike.
Contractors & Construction
Artisan & General Contractors
All trades — new ventures, work-comp-adjacent classes, subcontractor exposures, and contractors the standard market has aged out.
Roofing Contractors
One of Florida's hardest classes to place — and one of our most practiced. Residential and commercial roofers, repair and re-roof.
Owners & Contractors Protective (OCP)
Project-specific OCP liability when an owner or general contractor requires a dedicated policy for a job.
Hired & Non-Owned Auto (HNOA)
HNOA liability for businesses whose employees drive personal vehicles on company business — frequently paired with GL.
Hospitality, Food & Beverage
Restaurants, Bars & Taverns
Full-service restaurants through late-night bars and taverns, including kitchens, entertainment exposures, and assault & battery considerations.
Liquor Liability
Standalone liquor liability or paired with the GL — for any establishment that sells, serves, or furnishes alcohol.
Beauty Salons & Barbers
Salons, barber shops, and personal-care studios, including professional liability for services performed.
Habitational & Community Associations
Habitational
Apartments, rental schedules, and multi-family housing — including older frame construction and coastal locations. Note: any submission with two or more buildings is placed as commercial property or package.
Condo & Townhome Associations
General liability for condominium and townhome associations of all sizes.
Community Association D&O / EPL
Directors & officers and employment practices liability for community and condo associations — board protection the admitted market rarely prices well.
Commercial Condo
Commercial condominium associations and unit-owner exposures.
Specialty & Professional
Child Daycare & Preschool
Licensed daycare centers and preschools, with the abuse & molestation considerations this class demands handled correctly.
Garage & Auto Dealers
Used auto dealers, repair shops, and garage liability risks.
Nursing & Medical Professional
Professional liability for nurses and allied medical professionals.
Insurance Agent E&O
Errors & omissions coverage for insurance professionals — yes, we insure agents too.
Excess & Umbrella Liability
Excess limits layered over GL placements when contracts or lenders demand more than the primary provides.
Special Risks & Collections
Private collections, niche operations, and the one-off exposures that don't fit a checkbox. If it's legal and insurable, we'll find out who wants it.
Home & Personal
Homeowners (HO-3 / HO-6)
Coastal, older, high-value, or loss-history homes the admitted market declines — placed quickly with wind mitigation credits applied where they help.
Dwelling Fire (DP-3)
Non-owner-occupied rentals and seasonal dwellings — single-location placements with straightforward documentation. (Two or more buildings? That routes to our commercial habitational desk.)
Don't see your class? Send it anyway.
This page is the highlight reel, not the full list. Tell us what you need and we'll let you know within one business day.
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