Common Questions

I help you shop the insurance market instead of limiting you to a single carrier. I look at your business, the coverage you need, and what different carriers are willing to offer, then help you compare the available limits, deductibles, exclusions, pricing, and other important differences before you make a decision.

My job is not simply to find a policy. It is to help you understand what you are buying, where there may be gaps, and which option makes the most sense for the way your business operates. NAIC distinguishes independent agents and brokers from captive agents by their ability to work with multiple insurance markets rather than a single company.

Not necessarily. Insurance pricing depends on the carrier, your business, coverage, limits, claims history, classifications and other underwriting factors.

The advantage of working with me is that I can compare available options instead of giving you only one carrier’s solution. I can also help you look beyond the premium to make sure you are comparing the actual coverage being offered.

Yes. You do not have to wait until you are uninsured to talk to me.

I can review your current policies, limits and business operations and help identify questions worth addressing before renewal. That may include coverage gaps, outdated classifications, new vehicles or employees, contractual insurance requirements, or changes in the business that your existing policy may not reflect.

Yes. If a customer, landlord, general contractor or other party gives you insurance requirements, send them to me.

I can review the requested coverages, limits, endorsements and certificate requirements and explain what your current policy appears to satisfy and what may need to be added or changed. Final availability depends on the carrier and policy terms.

There is no single insurance requirement that applies to every Florida business. What you are legally required to carry depends on your industry, number of employees, vehicles and other circumstances.

For example, Florida generally requires workers’ compensation coverage for construction employers with one or more employees and for non-construction employers with four or more employees. Other insurance may be required by a contract, lease, lender or customer even when it is not mandated by state law.

I can look at your specific business and help you separate what is legally required, what is contractually required and what you may want to carry for protection.

Sometimes, yes.

Legal requirements are only one part of the decision. A policy may also be required by a customer, landlord, lender or general contractor. And some of the largest risks to a business are not risks the law requires you to insure.

I look at what your business actually does, where the financial exposure is and what could realistically hurt the company before recommending coverage.

There is no universal limit that is right for every business.

The appropriate limits can depend on your contracts, payroll, revenue, property, vehicles, type of work, customer requirements and severity of the losses your business could face. If someone is simply telling you to buy a standard limit without understanding the business, that is not much of an analysis.

I can review the limits you carry now and explain where they may or may not match your actual exposure.

Send me the request.

A Certificate of Insurance, or COI, provides evidence of certain insurance coverage, but the underlying policy determines what is actually covered. If your customer is also requesting additional insured status, a waiver of subrogation, primary and noncontributory wording or another endorsement, I can review the requirement and determine what needs to be requested from the carrier.

No. I focus on commercial insurance for businesses.

That includes coverage such as general liability, workers’ compensation, commercial auto, commercial property, business owners policies, contractor insurance and other commercial coverage based on the business.

I am licensed in Florida as my resident state and also hold non-resident licenses in Texas, South Carolina, North Carolina, Tennessee, Georgia, and Alabama. 

My Florida resident license is G280136. You can verify it through the Florida Department of Financial Services Insurance Agent and Agency Licensee Search. Florida DFS specifically provides that public database so consumers can verify whether an individual is licensed as an insurance professional in the state.

Sí. Atiendo personalmente a clientes en inglés y español.

Puedo ayudarle con cotizaciones, revisión de cobertura, certificados de seguro, requisitos de contratos y preguntas sobre su póliza. Puede llamarme, escribirme o enviarme un mensaje de texto en cualquiera de los dos idiomas.

Sí. Puede enviarme los documentos que tenga y podemos revisarlos juntos.

Si un cliente, contratista, arrendador u otra compañía le está pidiendo ciertos límites, certificados o requisitos de seguro, le explicaré qué están solicitando y qué debe revisarse con la aseguradora.