Contractors & trades
C-10 electricians, HVAC, plaster, concrete, small GCs, roofing (selectively), plumbing, flooring, landscaping. We speak class codes, waivers, additional insureds, and 1099-vs-W2.
WHO WE HELP
If you’re running something in Florida and need commercial insurance that fits your actual business — not a generic package built for someone three industries away — you’re in the right place.
CORE FOCUS
Where our carrier access, class-code fluency, and underwriting reps run deepest.
C-10 electricians, HVAC, plaster, concrete, small GCs, roofing (selectively), plumbing, flooring, landscaping. We speak class codes, waivers, additional insureds, and 1099-vs-W2.
Gyms, boutique studios, med spas, trainers, nutritionists, wellness franchises, PT, recovery clinics. We know abuse/molestation, participant accident, and the surplus markets for the harder risks.
Franchisees of national brands — F&B, fitness, home services, pet, child care. We know program business, brand-mandated coverages, and the carriers who write first-year franchisees.
ALSO BUILT FOR
Full-service, QSR, bars, cafes, catering, event spaces. Liquor liability included where it matters.
Consultants, agencies, finance pros, real estate, legal, tech — everything from GL to E&O and cyber.
Brick-and-mortar, DTC brands, pop-ups. Property + GL + cyber, with product liability where applicable.
Habitational, mixed-use, small commercial buildings, landlords. We know the FL property market’s quirks.
Small shops, assemblers, warehousers, wholesalers. GL + property + product + cargo + commercial auto.
Tell us what you do. We’ll tell you honestly whether we’re the right fit — or point you somewhere better.
WHY A SPECIALIST BEATS A GENERALIST
A generalist agent reads your business from a dropdown. A specialist knows which carriers write it well, which ones price it high, and which ones won’t touch it — before they submit. That shows up in your premium, your coverage, and how fast you get a certificate when the GC needs one.
Get a QuoteTwenty-four hours from form to real quotes. Independent, Florida-only, no surprises.