Why It Matters Who We Represent
Because Florida First Insurance of Broward is an independent agency, we are not tied to any single insurance company. Instead, we represent a curated list of highly rated national, regional and specialty carriers that actively write business in Florida. That lets us match you with the carrier whose underwriting, pricing and coverage are the best fit for your situation — whether that’s a coastal homeowners policy, a commercial truck fleet, an SR-22/FR-44 filing, or a hard-to-place specialty risk.
Personal Auto & Specialty Auto
Florida auto, motorcycle, SR-22 / FR-44 and nonstandard auto markets.
Progressive
One of Florida’s largest auto writers. We place personal auto, motorcycle, boat, RV and commercial auto with Progressive — a strong fit for standard and preferred drivers as well as SR-22 / FR-44 filings.
GEICO
National A++ rated carrier writing competitive Florida personal auto, motorcycle, boat and umbrella coverage. We use GEICO to drive down rates for preferred drivers with clean records.
National General
An Allstate company that writes Florida personal auto, motorcycle, RV and recreational vehicle coverage. A go-to market for SR-22 / FR-44 filings and drivers re-entering the standard market.
Bristol West
A Farmers Insurance company that specializes in nonstandard Florida auto insurance. Ideal for drivers with tickets, accidents, lapses in coverage or limited credit history.
Ocean Harbor Casualty
A Florida-domiciled nonstandard auto carrier focused exclusively on the Florida market. Strong option for minimum-limit PIP / PDL policies and drivers who need affordable Florida-compliant coverage fast.
Kemper
A national specialty carrier writing Florida personal auto across the preferred and nonstandard market. Used regularly for SR-22 / FR-44 filings and drivers shopping for value after a rate hike.
Homeowners, Condo & Florida Property
Carriers actively writing Florida HO-3, HO-6, dwelling fire and high-value coastal property.
Universal Property & Casualty
One of the largest residential property writers in Florida. We place HO-3 homeowners, HO-6 condo and dwelling-fire policies statewide — including South Florida and coastal counties.
Tower Hill
A Gainesville-based Florida insurer with decades of hurricane and wind-claims experience. Strong appetite for HO-3, HO-6, dwelling fire and landlord policies across the entire state of Florida.
Monarch National
A Florida-domiciled property carrier writing homeowners and dwelling-fire coverage statewide, including hurricane-exposed counties in South Florida and along the coast.
Slide
A Tampa-based insurtech homeowners carrier purpose-built for the Florida market. Uses AI-driven catastrophe modeling to offer competitive HO-3 and HO-6 coverage in counties many carriers have exited.
GeoVera
Specialty property carrier focused on catastrophe-exposed homes. A reliable Florida market for coastal homeowners, condo and dwelling-fire risks where standard carriers will not write.
Lloyd’s of London
The world’s premier specialty marketplace. We access Lloyd’s syndicates for high-value Florida coastal homes, builder’s risk, flood, vacant property and other hard-to-place property and casualty exposures.
Commercial, Trucking & Specialty Lines
Carriers and wholesale brokers we use for Florida business, trucking, contractor and professional risks.
Zurich
Global commercial carrier we use for Florida commercial auto, trucking, workers’ compensation and large-account property & liability programs.
Hiscox
Specialty commercial insurer for Florida small businesses and professionals. We place general liability, professional liability (E&O), cyber and business owners policies for consultants, contractors and service firms.
Appalachian Underwriters
National wholesale broker we use to place hard-to-place Florida commercial accounts — workers’ compensation, contractors, restaurants, transportation and specialty risks — with admitted and E&S markets.
Burns & Wilcox
One of North America’s largest specialty wholesale brokers. We tap Burns & Wilcox for Florida placements in coastal property, professional liability, marine, environmental and high-net-worth personal lines.
CRC / TAPCO
A leading wholesale brokerage group. We use CRC and TAPCO binding facilities for Florida commercial property, transportation, contractor liability and habitational accounts.
Risk Placement Services (RPS)
A nationwide wholesale brokerage. We place Florida commercial property, trucking, garage, contractor and specialty programs through RPS’s admitted and surplus-lines markets.
Wholesure
A wholesale broker giving Florida agents binding authority on homeowners, dwelling-fire and commercial property — especially useful when standard markets decline a Florida home or rental property.
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Carrier appetites, ratings and Florida product availability can change. Names, logos and trademarks shown are the property of their respective owners and appear here solely to identify the insurance companies Florida First Insurance of Broward, Inc. represents.