Carrier partners
Appointed with the markets that still write Florida.
As an independent agency, we compare a panel of carriers and markets to find your best fit — instead of locking you into a single company's rates.
Who we work with
A panel built for Florida risk
Our appointments span personal lines, small commercial, and specialty flood.
Renaissance
Access to a broad Florida-focused carrier panel for home, auto, and flood — so we can compare real options.
Coterie
Fast, online small-business coverage. Eligible General Liability classes can quote and bind in minutes.
GUARD (Berkshire Hathaway)
Business Owner's Policies and workers' compensation for a wide range of small-business classes.
Private flood markets
Beyond NFIP, we compare private flood carriers that can offer higher limits and faster binding.
Carrier appointments and availability vary by line of business, eligibility, and location. Not all products are available in all areas.
FAQ
About our carrier relationships
What does it mean that you're an independent agency?
We're not captive to a single insurance company. We're appointed with multiple carriers and markets, so we can shop your coverage across them and recommend the best fit for your situation — rather than selling one company's products.
Will you always quote every carrier?
We quote the carriers whose appetite and pricing fit your risk. For some lines (like eligible General Liability) that means an instant online market; for others we hand-shop several carriers. Either way, the goal is your best combination of coverage and price.
Can I keep my agent if my carrier changes?
Yes — that's a core benefit of working with an independent agency. If a carrier raises rates or exits Florida, we can move you to another market without you having to start over with a new agent.
Ready for a straight answer?
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