Industries we insure
We insure the businesses that build, feed and run
Southwest Florida.
Commercial insurance for contractors, restaurants, marinas, landscapers, property managers and the trades — placed with carriers who understand a coastal Florida risk, out of offices in Fort Myers, Naples and Port Charlotte.
1982
Writing Florida business since
30+
Carriers we shop against each other
Same day
Certificates, in most cases
3
Offices, one commercial team
Commercial insurance by industry
Twelve of the industries we write most. Each links to a page on that industry’s coverage.
Construction & the trades
Certificates, additional insureds and subcontractor exposure — plus builders risk on every open job.
Restaurants & food service
Liquor liability, kitchen fire, spoilage and the season-long income loss when a storm closes the doors.
Marine & waterfront
Marinas, charters, dock builders and boat dealers — protection and indemnity, plus care, custody and control.
Landscaping & lawn care
Property damage from equipment and chemicals, trailered gear on the road, and a seasonal payroll that moves.
Real estate & property management
Premises liability across a portfolio, professional liability on the management side, and wind on every roof.
Retail & storefronts
Slip-and-fall, inventory, tenant improvements you paid for, and business interruption through a slow repair.
Professional services
Errors and omissions, cyber and client data, and the lease requirements your landlord sends every January.
Nonprofits & associations
Directors and officers, volunteer liability, special events and the certificates every venue asks for.
Home services
Cleaning, pool, pest and handyman work — liability inside a client's home, plus tools in the truck overnight.
Hospitality & lodging
Guest injury, pools and amenities, wind-driven closures, and revenue that lives or dies by season.
Auto service & repair
Garagekeepers coverage for customer vehicles, lifts and equipment, and pollution from the shop floor.
Medical & wellness practices
Malpractice coordination, patient records and cyber, expensive equipment, and staff benefits under one roof.
Not on the list? We probably still write it.
Twelve tiles cannot cover a whole economy. We write manufacturers, wholesalers, churches, schools, staffing firms, breweries, salons and plenty else besides. Tell us what you do and we will tell you honestly whether we are the right agency for it.
The foundation
Five coverages nearly every business needs
01
General liability
Injury and property damage you cause to other people — and the legal defense, which is usually the bigger number. It is also what every contract and lease is asking you to prove.
02
Commercial property
Your building, contents, equipment and inventory — insured to what it costs to rebuild today, not what the building would sell for. In coastal SWFL, wind and flood usually sit on separate policies.
03
Workers' compensation
Medical care and lost wages when an employee is hurt on the job. Florida’s requirements are strictest in construction, and uninsured subcontractors become your problem at audit.
04
Commercial auto
Vehicles titled to the business, lettered trucks, and hired and non-owned coverage for the employee who runs to the supply house in their own car. Personal auto policies routinely exclude all of it.
05
Umbrella
Extra liability limits stacked on top of the policies above. Increasingly it is not optional — general contractors and municipalities frequently require it before you can start work.
Industry-specific coverages — garagekeepers, liquor liability, professional liability, cyber, protection and indemnity, equipment floaters — get added on top. See the business FAQs for how each one works.
What working with us actually looks like
Independent
Thirty-plus carriers, no house brand
We are not captive to one company, so we can put your submission in front of the markets that actually want your class of business — and move you when a carrier's appetite changes, which in Florida it does.
Certificates
Same-day COIs, in
most cases
Send the request and the contract language. If the wording is already on your policy you will usually have the certificate the same business day. If it is not, we will tell you what it costs to add before you are standing at the job site.
Audits
We sit with you through the comp audit
Payroll classifications, subcontractor certificates, officer exclusions. We help you keep the estimate current during the year so the year-end bill is not a surprise — and we will dispute a misclassification on your behalf.
A client
“Our employees have started receiving their gift cards, and they're extremely happy and grateful. Thank you for making sure we were aware of this offer. It is only one of the smaller reasons you are a terrific insurance agent.”
Wendy S. — Punta Gorda, FL
Questions before you call?
Twelve commercial questions are answered in full on our FAQs page — certificates and additional insureds, business interruption, workers’ comp thresholds, hired and non-owned auto, and what happens at audit.
Send us your declarations pages.
We will tell you what is missing.
No cost, no obligation, and a straight answer about whether your current program is doing its job.