Property & Casualty Architecture
Operating a business or owning assets in Florida requires aggressive, ironclad liability transfer. We audit corporate exposure and deploy comprehensive commercial lines and personal property coverage under Florida 2-20 statutory authority.
Commercial General Liability
$1M/$2M CGL limits, Business Owner's Policies (BOP), Completed Operations, and Blanket Additional Insured endorsements.
Commercial Property & Flood
Building, inventory, equipment, Business Interruption (Loss of Income), and private commercial flood underwriting.
Worker's Compensation
Statutory Florida Chapter 440 compliance, Part A medical/wage benefits, $1M Employer's Liability, and audit management.
Commercial Auto & Fleet
Contractor trucks, delivery fleets, CSL liability, physical damage, and Hired/Non-Owned Auto (HNOA) liability.
Cyber Liability & E&O
First-party ransomware extortion, IT breach remediation, customer litigation defense, and professional malpractice E&O.
Personal Auto & Homeowners
Florida Homeowners (HO-3/HO-6), hurricane deductibles, and personal auto bodily injury and physical damage.
Personal Umbrella & Flood
$1M to $5M+ excess liability umbrella shielding personal savings from catastrophic lawsuits, paired with primary and excess flood coverage.
*Property & Casualty policies are subject to carrier underwriting approval, property inspection, loss history verification, and specific policy terms, conditions, and deductibles. Submission of an inquiry through this website does not constitute binding coverage. No insurance coverage is bound until confirmed in writing by a licensed agent of Heritage Hills Insurance Brokerage, LLC.
*Worker's Compensation coverage requirements are governed by Florida Statutes Chapter 440. Heritage Hills Insurance Brokerage, LLC is licensed under Florida 2-20 General Lines authority to represent authorized commercial and personal lines insurers across the State of Florida.
Request a P&C Exposure Audit
Send us your current declarations page, loss runs, or renewal notice. Our desk will audit your limits, deductibles, and exclusions.