Exposure Analysis
We map what your business actually does — operations, locations, payroll, equipment, vehicles, subcontractors — so the exposures presented to underwriters reflect reality rather than a guess.
Home/Advisory Services
Risk Management & Advisory Capabilities
Beyond placement, we help clients prepare, present, and protect their business with a consultative approach.
Looking for our ongoing advisory program? The capabilities below are what we bring to any placement. Florida Premier Risk Advisory™ is the named program that makes the ongoing ones — certificate and vendor compliance, contract risk transfer, program management and a dedicated advisor — a year-round engagement.
1Advisory Services
The work that happens before a quote exists.
These 13 services are what separate a considered insurance program from a premium comparison. Most of them happen before we approach a single underwriter.
Risk Identification
Before coverage is placed we look for the gaps: uninsured operations, missing endorsements, contractual obligations you may not realize you have agreed to.
Underwriting Preparation
We assemble complete, organized submissions with the supporting detail underwriters need, which is often the difference between a competitive quote and a declination.
Replacement Cost Evaluation Review
We review stated building and business personal property values so you are neither underinsured at claim time nor paying premium on inflated figures.
Sales & Payroll Verification
General liability and workers’ compensation premiums are driven by sales and payroll. We verify the exposure basis up front to reduce audit surprises later.
Loss Run Analysis
We read your loss history the way an underwriter will, identify the patterns behind it, and help you present it in context.
Contract Insurance Review
We review the insurance requirements in your contracts and leases and tell you plainly whether your current program actually satisfies them.
Additional Insured Requirements
We confirm the correct additional insured forms and wording are in place for the parties your contracts require you to cover.
Waiver of Subrogation
Where a contract requires it, we make sure the waiver is properly endorsed onto the policy rather than merely promised.
Primary & Non-Contributory Endorsements
We verify that primary and non-contributory wording is actually attached when a contract calls for it — a requirement frequently missed.
Certificate of Insurance Management
We issue, track, and renew certificates for your clients, landlords, and general contractors so your work is never held up waiting on paperwork.
Renewal Marketing
We begin renewals early, approach the market deliberately, and bring you options with time left to make a considered decision.
Coverage Comparison & Program Review
We lay options side by side — limits, deductibles, exclusions, endorsements — so you can see what genuinely differs, not just the premium.
2Representative Commercial Experience
Placements we handle regularly.
A sample of the commercial work we do, including classes that standard markets frequently decline.
- Multi-location retail programs
- Restaurants and hospitality placements
- Used auto dealer and automotive-related risks
- Home health and allied healthcare operations
- Restoration, remediation, and specialty contractor risks
- Vacant building, renovation, and commercial property placements
- Flood programs and property risk reviews
- Excess, umbrella, liquor, pollution, professional liability, and cyber placements
3Our Approach
Five steps, in this order.
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.
Florida Premier Insurance Agency combines thoughtful underwriting, professional presentation, and long-term client advocacy to help businesses secure well-structured insurance solutions with confidence.
FAQ
Questions about how we work.
Is a program review actually free?
Yes. We review your current program, tell you what we see, and give you options. There is no fee and no obligation to move your business. If your existing program is well built, we will say so.
What do you need from me to get started?
Your current policies (declarations pages and endorsement schedules), loss runs for the past three to five years, and a short conversation about how the business actually operates. If you have contracts with insurance requirements, those help too.
How far ahead of renewal should we talk?
Sixty to ninety days is ideal. It leaves time to gather loss runs, prepare a proper submission, approach the market deliberately, and still give you room to make an unhurried decision.
Do you only handle commercial insurance?
Commercial is our focus and our specialty. We also write personal lines — home, auto, and flood — and life insurance, most often for the business owners we already serve.
Will you work with my CPA or attorney?
Gladly. Coordinating with your accountant, attorney, or lender usually produces a better result, particularly on contract requirements, buy-sell funding, and lender insurance conditions.
What happens after the policy is placed?
That is when most of the service actually starts: certificates, endorsements, additional insured requests, mid-term changes, audits, claims advocacy, and renewal strategy.
Request a commercial program review.
A consultation costs nothing and carries no obligation. We will look at what you have, tell you plainly what we see, and let you decide where to go from there.
“The Best at Getting Better.”
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