Every line of coverage,
shopped across the Florida market.

Florida HO-3 and HO-6 shopped across 30+ admitted carriers. Honeyquote and First Connect.

Florida personal auto. PIP, comp/collision, UM/UIM. Multiple Florida-admitted carriers.

Personal umbrella, $1M to $10M+, above auto and homeowners. Asset protection for Florida residents.

Wright Flood / NFIP primary, Neptune private alternative, Lloyd's excess. Real flood expertise.

HO-6 for condo unit owners and HO-4 for renters. Coordinated with association master policies.

Boat, yacht, and watercraft. Progressive Marine plus specialty marine carriers.

Sport bikes, cruisers, touring, Harleys. Progressive (appointed) and additional carriers.

Florida golf cart and LSV. Homeowners excludes off-premises. We close the gap.

Class A, B, C motorhomes plus towables. Recreational, snowbird, and full-timer programs.

Strip mall and retail plaza insurance. Our deepest specialty. Sarasota-based, Florida-wide.

Office, retail, warehouse, mixed-use property. Florida wind, named storm, and roof age considerations.

Commercial flood. NFIP primary, Lloyd's excess. All of Florida is a flood zone, just hazardous or non-hazardous.

HOA master, condo association master, apartments, multi-family. The Sarasota / Gulf Coast specialty.

Business Owners Policy. Property + GL in one package, for qualifying small businesses.

Commercial CGL. Bodily injury, property damage, personal/advertising injury. Foundation coverage for any business.

Owned, hired, and non-owned commercial autos. Trucks, vans, fleets, and business-use vehicles.

Florida workers compensation. Required for most employers. Class code expertise matters.

Excess liability $1M to $25M+. Above CGL, commercial auto, and EPLI. Almost every commercial client should carry one.

Employment Practices Liability. Wrongful termination, discrimination, harassment, retaliation.

Errors and omissions for consultants, accountants, real estate, IT, design, A&E, and other professionals.

Ransomware, data breach, BEC, business interruption. Tight underwriting, but increasingly essential.

Emerging coverage for businesses using AI. Hallucinations, bias, IP infringement, AI-specific cyber.

D&O for nonprofits, private companies, and boards. Protects directors' personal assets.

Contractor license, performance, payment, court, notary, and specialty commercial bonds.

Small group and individual health for Florida employers and families. Multiple carriers.

Upload your current policy. We compare across the Florida market and tell you straight.

Claims help and ongoing service. Quarterly check-ins for active clients.