Protect Your Business. Control Your Costs. Empower Your Team
From commercial coverage to employee benefits, we build the right protection strategy for your industry.
Commercial Insurance
“We analyze your business and recommend only what you truly need — nothing more, nothing less.”
General Liability
Protects against bodily injury, property damage to others, and legal costs.
Workers’ Compensation
Employee medical expenses, lost wages, disability, and rehabilitation from work-related incidents.
Commercial Property
Buildings, equipment, inventory, business records, furniture — protected from fire, theft, and disasters.
Business Interruption
Lost income and ongoing expenses (rent, salaries) when operations stop due to a covered event.
Professional Liability (E&O)
For service-based businesses: covers claims of negligence, errors, or failure to deliver.
Commercial Auto
Vehicles used for business — accidents, damage, liability, theft, and vandalism.
Product Liability
Protects manufacturers and sellers from design or manufacturing defects.
Cyber Liability
Data breaches, cyberattacks, customer notification costs, legal fees, and recovery.
Commercial Umbrella
Extra coverage beyond existing policies — extends liability limits.
Directors & Officers (D&O)
Protects company leaders against management claims, fiduciary breaches, and regulatory violations.
GROUP EMPLOYEE BENEFITS
“Attract and retain the best talent. Give your team the protection they deserve.”
Medical Insurance
HMO / PPO / EPO / POS plans — we find the right network and premium balance for your team size and budget.
Group Term Life
Usually offered at no cost to employees, with options for additional coverage.
GAP Coverage
Supplemental coverage alongside high-deductible health plans — covers deductibles, copays, coinsurance and other costs.
Short-Term Disability
Replaces a portion of income for temporary illness, injury, or childbirth.
Dental
DHMO or DPPO — depends on your budget and whether you prefer lower cost or provider flexibility.
Long-Term Disability
Income replacement after short-term disability ends (typically after 90–180 days).
Long-Term Disability
Income replacement after short-term disability ends (typically after 90–180 days).
Accidental Death and Dismemberment – AD&D
Pays a cash benefit if an employee dies or suffers severe injuries in an accident
VOLUNTARY BENEFITS
“Pay cash for expenses not covered by health insurance. Very affordable. Available for employees, spouses, and dependent children.”
Income & Health Protection
- Hospital Indemnity / GAP
- Short-Term Disability
- Long Term Disability
- Accident Insurance
- Critical Illness
- Cancer
Life Coverage
- Term Life (10, 15, 20, 30 yrs)
- Whole Life (permanent + cash value)
Additional Benefits
- Dental Plans
- Vision Plans
- Pet Insurance
BENEFITS ADMINISTRATION — INCLUDED AT NO COST
Five value-add services we provide at zero additional cost:
Implementation Process
Flawless enrollment setup from day one.
Employer Training
We train your team on benefits administration tools, plan administration, claims, and billing.
Employee Enrollment & Education
Face-to-face, call center, and virtual enrollment. Digital communications, electronic media, and print materials.
Employer / HR Portal
Benefits and HR technology platform: faster service, simplified invoices, and payment management.
Employee / Policyholder Portal
View policies, file claims online, track claim status, request direct deposit, and more.
Ready to protect your business?
Free Initial Consultation + Policy Review + Gap Analysis — No Cost, No Commitment.
- Miami-Dade · Broward · Palm Beach
- License FL 220 (P&C) | FL 215 (Life, Health & VA)
- Certified: ACA · Medicare