Get a quote.
Choose the application that fits your situation. Every form goes straight to Dennis Hendrickson here on the Gulf Coast, in Sarasota. He reads it himself and responds personally, usually the same business day and always within 48 hours. Not sure which one? Start with the quick quote and we will point you the right way. Estimates are fine wherever you are not sure.
Quick Quote
Just the basics — who you are and what you need. Takes about a minute, and we route you from there.
Begin → Personal LinesPersonal insurance — one application
Home, auto, boat, umbrella, flood, condo, RV, motorcycle, and golf cart. Enter your household once and switch on every line you want quoted.
Start → PersonalHomeowner
Insure your primary or secondary Florida home — with wind mitigation and flood.
Apply → PersonalAuto
Insure your household drivers and vehicles — full driver and VIN intake.
Apply → PersonalShort-Term Condo Rental
Airbnb, VRBO, or vacation-rental condo with short-term rental liability.
Apply → PersonalCondo / Renters
HO-6 condo or HO-4 renters coverage for your unit and belongings.
Apply → PersonalFlood
NFIP and excess flood. Every Florida address sits in a flood zone.
Apply → PersonalPersonal Umbrella
Extra liability stacked over your home and auto policies.
Apply → PersonalBoat / Watercraft
Hull, liability, and trailer coverage for Gulf Coast boaters.
Apply → PersonalMotorcycle
Bike, rider, and coverage details for a fast quote.
Apply → PersonalRV / Motorhome
Motorhomes and travel trailers, full-time or weekend use.
Apply → PersonalGolf Cart / LSV
Carts and low-speed vehicles for Gulf Coast communities.
Apply →Commercial / Business
The base application for any Florida business — liability, property, workers comp, and more.
Apply → Commercial · IndustryCommercial Property / Building Owner
Strip centers, plazas, flex, mixed-use, office buildings — lessor's risk, loss of rents, and property.
Apply → Commercial · IndustryContractor / Trades
GC, roofing, HVAC, electrical — GL, tools & equipment, workers comp, and subcontractor exposure.
Apply → Commercial · IndustryRetail / Strip-Center Tenant
Shops and plaza tenants — BOP, liability, property, inventory, and lease-required limits.
Apply → Commercial · IndustryOffice / Professional
Law, accounting, real estate, tech — BOP, general liability, and professional liability (E&O).
Apply → CommercialEPLI / Employer Liability
Employment practices liability — wrongful termination, discrimination, harassment, retaliation.
Apply → CommercialDirectors & Officers (D&O)
Board and officer liability for nonprofits, associations, HOAs, and private companies.
Apply → CommercialCommercial Umbrella
Excess liability over your GL, commercial auto, and employer's liability.
Apply → Commercial · SpecialtyNew Venture / Unique Risk
Funded ventures and unusual business models with real projected revenue. Pre-revenue ideas are usually served faster by a direct carrier or online market; if the business is past $250,000 a year, or the risk is one standard carriers decline, this is the form.
Apply → CommercialCommercial Auto / Fleet
Trucks, vans, and fleets — drivers, vehicles, radius, and cargo.
Apply → Commercial · Add-onBar / Restaurant
Food and beverage add-on: liquor liability, kitchen fire, entertainment. Pairs with the commercial application.
Apply → Commercial · Add-onHomeopathic / Supplement Products
Product liability add-on for sellers of supplements, homeopathic, and non-prescription products.
Apply → CommercialWorkers' Compensation
Payroll, class codes, and experience mod for Florida employers.
Apply → CommercialProfessional Liability / E&O
Errors and omissions for design pros, consultants, and contractors.
Apply → CommercialRecruiting / Staffing E&O
Professional liability for recruiting and staffing firms: placements, contract labor, and vetting.
Apply → CommercialCyber Liability
Data breach and cyber coverage, with your current security controls.
Apply → CommercialHOA / Habitational
Associations, condos, and apartment buildings on the Gulf Coast.
Apply → CommercialSurety Bonds
License, permit, performance, and contract bonds.
Apply → CommercialGroup Health
Employee benefits and group health for Florida businesses.
Apply → Commercial · SpecialtyTennis Tournament / Special Event
Tournaments, leagues, and camps — including events on college campus courts and certificate wording for state colleges.
Apply →Prefer to talk it through? Call or text 941-957-2796, or schedule a call.