If you are looking for a commercial insurance broker in Miami, here is what that actually means at Zenith. I am Jason Lopez, an independent commercial insurance broker. I am not limited to quoting one insurance company, so I can take your business to multiple markets and compare what they are willing to offer.
I come back with what each carrier is willing to write, at what limits, and where the policies differ so you can understand the options before you make a decision. The lines I place most include general liability, workers’ compensation, commercial property, business owner’s policies, liquor liability, and contractor insurance across the Miami metro.
Commercial Insurance Coverage
General Liability
Covers certain third-party bodily injury, property damage, and liability claims, including legal defense for covered claims. It is also commonly required in leases and contracts, sometimes with limits or additional insured requirements.
Workers' Compensation
Covers eligible work-related employee injuries and illnesses, including medical costs and a portion of lost wages. Premium is heavily influenced by payroll, job classifications, claims history, and the work your employees perform.
Commercial Property
Covers business property such as buildings, equipment, inventory, and other insured physical assets. In Florida, the deductible structure and how the policy treats wind or named-storm losses can matter just as much as the premium.
Business Owner's Policy
Bundles general liability and commercial property, usually with business interruption coverage, into one policy and renewal. It’s worth checking whether the package makes more sense than separate coverage.
Contractor Insurance
A combination of policies selected for your trade, potentially including general liability, commercial auto, equipment and workers’ compensation. Each policy has its own terms, limits and exclusions.
Liquor Liability
For businesses that sell or serve alcohol. Standard general liability coverage may not address the liquor-related liability exposure of a business in the alcohol trade, which is why liquor liability needs to be reviewed separately.
What Working With Me Actually Looks Like
You see comparisons, not a quote.
A captive agent generally represents one insurance company. As an independent broker, I can approach multiple available markets and compare the options carriers are willing to offer. I explain differences in limits, exclusions, deductibles and pricing so you can make an informed decision. Market availability and the number of quotes vary by risk, carrier and underwriting.
I will tell you what to skip.
Not every coverage on a proposal has earned its place. If something is there because it is easy to sell rather than because your business is exposed, I will say so, and I will point at where your real exposure sits instead. Sometimes the right recommendation is that you do not need something. I would rather explain why than fill a proposal with coverage that does not fit the way your business operates.
Your certificates come from the person who wrote your policy.
When a general contractor needs a certificate of insurance, updated limits, or an additional insured endorsement before your crew can start, you are not opening a ticket and waiting in a queue. You are calling the broker who placed the coverage and already knows your account.
Licensed in Florida (resident, LIC# G280136) · Texas · North Carolina · South Carolina · Alabama · Georgia · Tennessee | English & Español
In Your Language / En Su Idioma
English
Commercial insurance is difficult enough in one language. Exclusions, endorsements, limits, and the insurance requirements buried in your contracts can have real financial consequences. I make sure you understand those parts before you sign, not after.
Español
El seguro comercial ya es bastante complicado en un solo idioma. Le explico cada cotización y cada póliza con claridad, en el idioma en el que usted piensa mejor.
Meet Jason Lopez
I grew up around this business. My family ran an insurance agency, so long before I was licensed I was hearing the questions business owners asked, seeing how policies were put together, and learning how much the details matter when coverage is actually needed.
I spent three years in property and casualty there before I put my own name on anything. I started Zenith because I would rather a business owner understand their policy before they need it than find out what it says during a claim.
What Happens When You Request a Quote
You send the basics.
Start with your contact details, business name and the coverage you need. I will follow up for payroll, revenue, vehicle or contract information when needed to obtain quotes.
I take it to the market.
If a carrier declines the risk and gives me useful feedback, I explain that too. Sometimes a declination tells us something important about how the market sees the business.
We go through it together.
Limits, deductibles and exclusions in plain language before anything is bound. You should be able to explain your own policy when we are done.
What Clients Say
Amazing experience with Zenith Insurance brokers! Their customer service was friendly, professional, and super helpful. They made everything easy to understand and were always quick to answer my questions. I truly felt valued as a customer. Highly recommend!!
-Fabian L.
I have a salon and this company has been so helpful and insightful for my business!! The owner Jason made sure to explain everything I needed for my salon and found me the best quotes! I would recommend Zenith Insurance a hundred times over!!!
-Melanie R.
Jason helped me understand exactly what coverage my business needed and why. He compared different options, answered every question, and made the whole process easy. I would definitely recommend Zenith Insurance Brokers.
-EV Charger Works
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If I have placed coverage for you, a short review helps other Florida business owners find an independent broker instead of a call center.
Frequently Asked Questions About Commercial Insurance
Should I use a broker or go directly to an insurance company?
Going directly to an insurer gives you that company’s products. As an independent broker, I can approach multiple insurance markets and compare the available coverage, limits, deductibles, exclusions, and pricing. The better choice depends on how much comparison and guidance you want while making the decision.
Does using a broker cost more than buying direct?
Insurance pricing and compensation vary by carrier, policy, and market. Independent agents and brokers may be compensated through commissions or other permitted arrangements, and buying directly from an insurer does not automatically mean the same premium. I focus on showing you the available options and helping you understand the total coverage, not assuming the cheapest route is automatically the best one.
What kinds of businesses do you work with?
Small businesses and contractors across the Miami metro: the licensed trades, restaurants and bars, service companies, and owner-operated businesses where the person signing the contracts is the person reading the policy. I do not write personal lines.
¿Ofrece servicio en español?
Sí. Le explico cada cotización y cada póliza en español o en inglés, en el idioma en el que usted piensa mejor. Yes, fully. Every quote, policy, and question, in whichever language you prefer.
Let’s See What the Market Will Do
Tell me what your business does, what coverage you already have, and what you need help with. I’ll look at the available markets and explain your options before you make a decision.
