Commercial General Liability
Third-party bodily injury, property damage, and personal and advertising injury — the foundation of most commercial programs.
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Coverage & Insurance Programs
The lines we structure and place. Coverage is the outcome of the advisory work — not the starting point.
A note on how we work. We do not lead with products. The right combination of the programs below depends entirely on your operations, your contracts, and your loss history — which is why an advisory review comes first.
Commercial programs
Programs we structure.
17 commercial lines, placed through our carrier and wholesale relationships.
Business Owners Policies (BOP)
Property and liability packaged for small and mid-sized operations, often with business income built in.
Commercial Property
Buildings, tenant improvements, and fixtures, written on replacement cost where the values support it.
Business Personal Property
Contents, stock, equipment, and furnishings — valued so a covered loss is actually made whole.
Workers’ Compensation
Statutory medical and wage benefits for work-related injury, priced on verified payroll and class codes.
Commercial Auto
Owned, hired, and non-owned vehicles, with liability and physical damage set to your radius and drivers.
Inland Marine
Tools, equipment, and property in transit or away from your premises.
Garage Liability
Liability arising from automotive operations, including customer and lot exposure.
Garagekeepers Liability
Damage to customer vehicles left in your care, custody, and control.
Excess Liability
Additional limit sitting above your primary policies when contracts or exposure demand it.
Commercial Umbrella
Broad additional limit across multiple underlying policies.
Liquor Liability
Claims arising from the sale or service of alcohol — excluded by most general liability forms.
Contractors Pollution Liability
Pollution conditions arising from contracting operations, essential for remediation and restoration trades.
Professional Liability (Errors & Omissions)
Claims of negligence, error, or failure to deliver professional services as expected.
Cyber Liability
Data breach response, network security, and the business interruption that follows an incident.
Flood Insurance
Flood damage, excluded by standard property forms and a genuine exposure across Florida.
Builder’s Risk
Structures under construction or renovation, including materials on site and in transit.
We structure insurance programs around actual operations, exposures, and requirements—not generic assumptions.
Personal & life
Also available to the owners we serve.
Commercial is our specialty. We also write personal lines and life insurance, most often for the business owners already working with us.
Not sure which programs you actually need?
That is the point of a program review. We look at your operations and contracts, then tell you what is required, what is worth carrying, and what is redundant.
“The Best at Getting Better.”
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