Coverage as steady as the coastline you call home.
We shop multiple A-rated carriers for your home, vehicles, toys and family's future — and for the business you've built. Then we're here when a hurricane, a fender-bender, or just a policy question comes up.
A focused lineup, done right for Florida
Personal and commercial — home, auto, life, umbrella, everything with a motor or a hitch, and the property and liability cover behind a working business. Each handled with real attention instead of generalist guesswork.
Home Insurance
Wind, flood, and named-storm exposure built into your policy from day one — with credits for wind mitigation and roof condition factored in.
- Wind mitigation credit review
- Flood policy pairing (NFIP & private)
- Hurricane deductible explained plainly
Auto Insurance
Florida's no-fault rules and high-traffic corridors call for coverage that actually holds up — not just the state minimum.
- PIP & bodily injury guidance
- Multi-car & bundling discounts
- Rideshare & teen driver options
Life Insurance
Term and whole life policies built around what your family would actually need to stay steady — the mortgage, the kids' future, day-to-day expenses.
- Term & whole life options
- Coverage sized to real expenses
- No-obligation needs review
Umbrella Policies
An extra layer of liability protection above your home, auto, and toys — the difference between a bad day and a financially ruinous one.
- Sits above existing policy limits
- Covers home, auto & recreational liability
- Affordable per-dollar of protection
Motorcycles, Boats & Toys
Motorcycles, boats, ATVs, golf carts, and trailers — Florida's outdoor lifestyle covered with policies built for how you actually use them.
- Motorcycles & powersports
- Boats, ATVs & golf carts
- Trailers & towable equipment
Commercial & Business
Commercial property and business insurance for small and mid-market operations across the Treasure Coast — the building, the contents, the liability, and the people.
- Commercial property & business owner's policies
- General liability & commercial umbrella
- Workers' comp, commercial auto & cyber
One call. Every option.
A captive agent sells one company's product. We work for you, not a carrier.
We Shop the Market
Your policy is compared across multiple A-rated carriers, so pricing and coverage are chosen on merit — not on which building we work in.
A Local Voice, Not a Call Center
Every client works directly with a Vero Beach-based advisor who knows the Treasure Coast — its storm history, its neighborhoods, its risks.
Your Advocate at Claim Time
When a claim happens, we're on your side of the table — helping you navigate the process with the carrier, not leaving you to do it alone.
You run the business.
We'll carry the risk.
For owner-operated and mid-market companies on the Treasure Coast — where the decisions are made by the person who signs the front of the checks.
Every business carries exposure it never consciously chose. An indemnity clause buried in a contract. A roof that has aged faster than the policy assumed. A new hire, a second truck, a second location. Left unexamined, these are the gaps that turn an ordinary incident into a loss the owner absorbs personally.
Our job is to find them before they find you — so your attention stays on the work, and the worrying becomes our discipline rather than your evening.
- Commercial property — building, contents, equipment
- Business owner's policy (BOP)
- General liability
- Business interruption & loss of income
- Commercial umbrella & excess liability
- Workers' compensation
- Commercial auto, hired & non-owned
- Cyber liability & data breach
- Employment practices liability (EPLI)
- Professional liability
How we work
Three disciplines, in order. The quote is the last thing we talk about, not the first.
Or speak with Shane directly — (772) 494-7002
What clients say
"Shane is by far the most well versed agent I have ever worked with... I would not go anywhere else."
"I have elderly parents who have lived in the Vero Beach area for 30 years. My father can be difficult with most people. Shane is the only agent that will invite us in and actually take the time to satisfy all of my parents' questions. He makes things very easy to understand. Thanks for the help Shane!"
"Shane was my agent for years at AAA Vero Beach... my husband and I highly recommend him. Great agent."
Ready for coverage you can count on?
Tell us a bit about what you're insuring and we'll come back with real options from real carriers — usually within one business day.
Office Line
Direct · (772) 494-7004
Fax · (772) 494-7013
Mon–Fri, 8:30am–5pm ET
333 17th Street, Suite R · Vero Beach, FL 32960