Hard Market Navigation 

and Reinsurance

The reinsurance market entered a challenging phase characterized by significant rate increases and a more cautious approach to risk. When reinsurance rates fluctuate, they impact distribution channels on all sides.

Source: ProgramBusiness | Published on September 19, 2023

The consequences of legal system abuse, and the resulting social inflation
is  significant.

New and Trending. The trusted voice of risk and insurance; providing unique, data-driven insights to educate, elevate and connect consumers, industry professionals,  policymakers and media. Risk management and more.

Market dynamics and executive insight on the challenges in the excess & surplus  insurance space.

Innovation power and unrivalled expertise in all aspects of financial risk footing: These are the strengths Munich Re stands for when customers face extraordinary risks. World-leading reinsurance and insurance related solutions.

Florida Market News: Florida is considered ground-zero for  property catastrophe exposures.

The world’s insurance marketplace. Bringing together experts who share intelligence, judgement, capital and risk to create a braver world. Stay on top of all the latest news and communication impacting the insurance marketplace. 

No Need to Build Capacity in One Room: U.S. E&S Market vs. Lloyd’s

Florida market improving, less red ink spilling on bottom lines. Critical information, market news and research for P/C executives.

How can you break client mentality that cheapest is not always best. 

Market dynamics and executive insight on the biggest challenges in the E&S space. News, TV, risk management, resources.

Florida lawmakers debate Citizens expansion, could drive up reinsurance.

Florida is considered ground-zero for global property catastrophe risk given its exposure to hurricanes and significant values-at-risk.

Reinsurance demand to remain strong but prices to peak in 2024, says Moody’s.

Reinsurance renewal seasons provide insight into reinsurance pricing, contract terms, reinsurance market positioning and direction of future market trends.

Insurance help and resources are just a click away. How can Florida help?

Florida Department of Financial Services manages the financial responsibilities for the State of Florida. Insurance transparency, accountability, public records.

What is Surplus Lines insurance? Unique, distressed and high-capacity risk.

An Introduction to the Surplus Lines marketplace. Coverage for specific non-standard risks, the surplus lines market is vital as a supplement for select consumers and businesses. 

The “safety valve” of the industry, surplus lines insurers fill the need for specific coverage.

Wholesale & Specialty Insurance Association (WSIA) say it best when breaking down the unique purpose of surplus lines coverage. Learn More... 

Light Brokerage

Light Brokerage for tough-to-place risks in a difficult market. Each managed by experienced underwriters. Outside traditional market appetites? we can help within the following segments.


• Antenna installation/service/repair
• Boiler Inspection and repair
• Boring contractors including cable installation
• Bridge contractors (no work over four stories)
• Commercial window or glass work, to six stories
• Demolition contractors
• Drilling contractors (no oil or gas)
• Elevator and escalator repair
• Fire suppression, sprinkler, extinguishers
• Gas or sewer main work
• HVAC Contractors working at height
• Irrigation or drainage systems
• Plumbing including specialized work
• Pressure washing and sandblasting
• Refrigeration installation and maintenance
• Roofing contractors, up to six stories
• Street and road contractors
• Structural metal work
• Structural movers, $30K MP


• Automotive detailing and wrapping
• Billboards at height, flexible height limitations.
• Consulting operations, industrial workflow
• Electroplating
• Equipment rental, scissor lifts acceptable
• Feed, Grain or Hay Dealers
• Heavy auto repair (no school bus exposure)
• Hood and duct cleaning - $7500 MP
• LPG refill and distributors, no gasoline operations
• Machinery equipment service/installation/repair (cranes, conveyors, construction equipment)
• Mining – surface only
• Right-of-way clearing and tree trimming
• Tire dealers and distributers
• Water companies
• Welding (frame and hitch, structural)
• Window washing up to 20 stories


• Breweries, distilleries, and wineries with on-site
consumption or tasting rooms
• Restaurants, bars, and taverns


• Buildings with long-term vacancy exposure
• Senior living (no assisted living, medical care,
pull cords or hospice exposure)
• Supermarkets, elevated sales acceptable


• Auto Parts manufacturing
• Consumer goods manufacturing
• Cosmetics manufacturing
• Electrical equipment manufacturing
• Emerging markets; 3D printing, sharing economy
• Furniture manufacturing
• Industrial goods manufacturing
• Machinery and Equipment
dealers and manufacturing
• Mobile home manufacturing
• Rubber and plastics manufacturing,
injection or raw material target.
• Solar manufacturing,
maintenance and installation
• Sporting goods products
• Trailer and hitch manufacturing


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Firestone Agency of Florida, Inc.
Wholesale Insurance Brokers | MGA

Boca Raton, Florida
International Plaza
7280 West Palmetto Park Road
Suite 106-N
Boca Raton, FL 33433
Call Us (954) 341-8331

Ponte Vedra, Florida
Valley Ridge Professional Park
4210 Valley Ridge Blvd
Suite 127
Ponte Vedra, FL 32081
Call Us (800) 683-1150

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