Consultative Underwriting
We take time to understand operations, exposures, and business goals before seeking terms.
Commercial Brokerage Experience & Portfolio
Commercial Insurance Built Around Your Business.
Florida Premier Insurance Agency is an independent insurance brokerage dedicated to helping businesses identify, evaluate, and manage risk through customized commercial insurance solutions. Our philosophy is simple: understand the business before approaching the insurance marketplace.
Strategic risk guidanceCustomized solutionsLong-term advocacy
“The Best at Getting Better.”
IndependentCarrier appointments & wholesale access
5.0 / 5.0Rated on Google (11 reviews)
StatewideServing all of Florida
“The Best at Getting Better.”
Because we never stop improving your protection.
Our signature service
Florida PremierRisk Advisory™
Become an Extension of Your Team
Insurance doesn’t end when the policy is issued. Contracts change. Vendors come and go. Your business grows. We provide ongoing advisory services to help ensure your insurance program continues protecting your business—every step of the way.
Certificate & Vendor ComplianceContract Risk TransferInsurance Program ManagementDedicated Commercial Advisor
Why clients choose us
We don’t just quote insurance.
Before we approach a single market, we do the work that determines whether the terms you receive are competitive — and whether the coverage actually responds when you need it.
Customized Program Design
We structure insurance programs around the client's actual operations, not generic assumptions.
Market Access & Specialty Solutions
We work with a broad network of carrier and wholesale relationships to pursue competitive solutions.
Advocacy & Long-Term Support
We help clients navigate coverage decisions, requirements, and ongoing service needs with professionalism.
Understand the business before approaching the insurance marketplace.
The principle behind every placement
Advisory first
Insurance is the outcome. The advisory work comes first.
Most agencies begin with a quote. We begin with your operations, your contracts, and your loss history — because that is what determines the quality of the program you end up with.
Thirteen distinct advisory services sit behind every placement we make, from exposure analysis and underwriting preparation through to certificate management and renewal strategy.
- Exposure Analysis
- Risk Identification
- Underwriting Preparation
- Replacement Cost Evaluation Review
- Sales & Payroll Verification
- Loss Run Analysis
- Contract Insurance Review
- Additional Insured Requirements
- Waiver of Subrogation
- Primary & Non-Contributory Endorsements
Industries served
Experience across a diverse range of commercial risks.
Some of these classes are straightforward. Several are ones standard markets decline — which is exactly where specialty and wholesale relationships matter.
Construction & Contracting
General contractors, builders, and the specialty trades — including restoration and remediation risks that many agencies will not write.
Explore ConstructionHospitality & Food Service
Restaurants across every service model, from quick service to fine dining, including liquor and lounge exposures.
Explore HospitalityRetail Operations
Single-site and multi-location retail, including classes that standard markets often decline.
Explore RetailAutomotive
Dealers, recyclers, parts operations, and commercial fleets — including garage and garagekeepers exposures.
Explore AutomotiveHealthcare & Professional Services
Home health, allied healthcare, medical spa, and professional service firms with real professional liability exposure.
Explore HealthcareCommercial Property
Owner-occupied, investment, mixed-occupancy, vacant, and renovation property — including hard-to-place risks.
Explore Commercial
Our approach
Five steps, in this order, every time.
The sequence is the point. Skipping the first two is why so many programs end up mispriced or misaligned with the contracts they are meant to satisfy.
Understand the business
We start with how you actually operate — what you do, who you employ, where you work, and what you have committed to contractually.
Verify exposures and supporting data
We confirm values, payroll, sales, loss history, and schedules so the submission stands up to underwriting scrutiny.
Prepare organized submissions
We present your business professionally to the market, in the format underwriters want to receive it.
Structure tailored insurance solutions
We build the program around your real exposures and requirements, then explain what each part does.
Provide ongoing advocacy and service
We stay involved after placement — certificates, endorsements, claims, audits, and renewal strategy.
How we can help
Four ways clients typically start with us.
Commercial Program Review
We evaluate your current coverage and identify opportunities to strengthen protection and control costs.
Renewal Strategy & Market Guidance
We analyze the marketplace to create competitive options and develop smart renewal strategies.
Coverage Consultation
We help you choose the right coverages to address your unique risks and business objectives.
Ongoing Advocacy & Service
We provide ongoing support, policy management, and advocacy every step of the way.
Coverage & programs
Programs we structure.
We place 17 commercial lines, built around actual operations, exposures, and contractual requirements — not generic assumptions.
- Commercial General Liability
- Business Owners Policies (BOP)
- Commercial Property
- Business Personal Property
- Workers’ Compensation
- Commercial Auto
- Inland Marine
- Garage Liability
- Garagekeepers Liability
- Excess Liability
- Commercial Umbrella
- Liquor Liability
- Contractors Pollution Liability
- Professional Liability (Errors & Omissions)
- Cyber Liability
- Flood Insurance
- Builder’s Risk
Our team
Speak with a dedicated commercial advisor.
You work with a named advisor who knows your account — not a queue.
Marvin G. Soberanis
Founder & Principal
Dedicated Commercial Advisor
A proud Floridian with over a decade of experience in the insurance industry, Marvin Soberanis is the driving force behind Florida Premier Insurance Agency. Having called Florida home for more than 20 years, he brings a deep understanding of the community and the unique insurance challenges faced by Florida residents and businesses.
Fouad Zainab
Insurance Agent
Biography coming soonFouad Zainab has recently joined the agency. A full biography is on its way and will be published here shortly. In the meantime, reach the office and we will connect you directly.
Resources
Understand it before you buy it.
Plain-English explanations of the things that actually decide whether a commercial program works. No sales pitch.
Program review
What a Commercial Program Review Actually Involves
A real review is not a premium comparison. Here is what should happen when someone examines your commercial insurance program properly.
Read Contracts & complianceCertificates of Insurance: What They Do and Don’t Prove
A certificate is evidence, not coverage. Understanding the difference prevents some of the most common and costly contract disputes.
Read Contracts & complianceHow to Read the Insurance Requirements in a Contract
The insurance exhibit is usually the least-read part of a contract and one of the most expensive to get wrong.
Read
Let’s review your current program.
Whether you are reviewing your current program, preparing for renewal, or seeking guidance on a new business opportunity, we are here to help with thoughtful advice and customized insurance solutions.
“The Best at Getting Better.”
ProfessionalConsultativeCommitted to Improvement