Commercial Lines

Our Commercial Lines division has been providing competitive commercial insurance coverage and specialty services for clients on a local, national, and international level.  Our primary services include: coverage design, insurance marketing, claims service, risk management, alternative risk financing options, self-insurance administration and coverage for specialty markets.  In utilizing our long-term relationships with the leading national and regional insurance providers, we work to exceed the expectations of our clients through professionalism, creativity, and a commitment to maintaining the highest ethical standards in all our operations.

Industries

  • Agriculture
  • Construction
  • Education
  • Engineering
  • Financial Institutions
  • Healthcare
  • Hospitality
  • Life Sciences
  • Manufacturing
  • Professional Services
  • Real Estate
  • Shipping
  • Technology
  • Transportation
  • Non-Profit/Social Services
  • Wholesale

Specialty Products

At Marsh & McLennan Agency, we focus special attention on your special risk needs. We have developed product specialties to assure that experts in each risk segment handle your interests.

  • Trade Credit & Political Risk
  • Kidnap & Ransom
  • Cargo Insurance

Complete Market Access

Marsh & McLennan Agency’s business platform is designed to provide complete market access for our clients.  We have developed distribution channels to access the entire market to ensure the best possible program available.  Our market access includes the following:

  • Standard Markets
  • Excess and Surplus lines Markets
  • Reinsurance Markets
  • London Markets

Marketing/Placement

During the marketing/placement phase, Marsh & McLennan Agency matches the property program with the most appropriate sources of capacity in the global insurance marketplace (standard, excess and surplus and reinsurance) and addresses any and all underwriting concerns. Our marketing personnel invests a significant amount of time negotiating with underwriters, attending underwriter and client meetings and drafting coverage specifications.

The strength of our insurer relationships, our specialized knowledge of key underwriting issues, and the program structuring skills of our team enable us to negotiate with the markets and secure the best terms.  Given our scale and knowledge, Marsh & McLennan Agency has a proven ability to create market and specialist facilities by demonstrating how problematic exposures can be successfully underwritten.  This is particularly valuable during the volatile market conditions that characterize today’s property catastrophe market.

We make recommendations for the insurance placement process that, in our professional judgment, are in the client’s best interest based upon a careful understanding and evaluation of insurers’ capabilities to address the client’s risk and objectives. We communicate with our clients in sufficient detail to enable informed choices, and our goal is to always provide clear, unambiguous documentation at the point of binding.

Post-Placement Services

Marsh & McLennan Agency’s services do not end with the binding date. We continue to support our clients throughout the coverage term with post-placement support services. These services include market intelligence; claims; engineering coordination; day-to-day account maintenance; and proactive renewal preparation strategies.

The Marketing Effort

The price of “insurance” has historically fluctuated depending on the state of the market, however, our primary objective remains constant, to assist you through a controlled marketing effort in managing these fluctuations. By focusing on market conditions and exploring alternative programs, our goal is to design and implement a property insurance program that protects our clients’ physical assets and earnings while optimizing the total cost of risk.  Marsh & McLennan Agency’s strategy throughout the company’s history has been and will continue to be to build upon long-term underwriting relationships with insurers which assist us in negotiating the most cost effective and comprehensive property insurance programs available.

Our marketing effort includes but is not limited to:

  • Analysis of Risk modeling database
  • Analysis of exposures by coverage
  • Analysis of current coverage
  • Development of underwriting criteria
  • Development of the market submission package
  • Development of values by zip code, construction, etc.
  • Review of historical claims data
  • Preparation of market submission
  • Distribution of marketing submission to markets
  • Communication with London and other global carriers
  • Discussions and meetings with markets
  • Tracking of carrier responses
  • Preparation of renewal proposal
  • Preparation of renewal documents (binders and charts)
  • Review of all binders and policies
  • Distribution of policies
  • Preparation of policy endorsements
  • Engagement of Top-Level Management in Key Carrier Negotiations as Needed

Florida Locations:

Doral
(305) 591-0090

Miami Lakes
(800) 777-7699

Tequesta
(561) 746-4546

Vero Insurance
(772) 231-2022

Fort Lauderdale
(305) 591-0090

Palm Beach
(800) 226-6268

Boca Raton
(561) 235-5877

Orlando
(321) 214-4888

Jacksonville
(888) 292-9806

Celedinas
(561) 622-2550