Coverage Solutions

Send us a target coverage inquiry to pursue and achieve placement on a contract authority, submit or brokerage basis.


Understanding the Florida Excess and Surplus Lines market. An alternative insurance coverage for consumers who may not secure coverage in the standard/admitted market.


ACORD Applications accepted. Feel free to contact us for a class specific supplemental application or product inquiry. Connect with us for additional risk information, submission requirement or products not shown below.

Email Submission

Fully completed applications are required to achieve the best terms from us. Contact us for assistance.


Coverage Inquiry

Dozens of coverage options and lines of business. Contact us for additional coverage, products & classifications not shown below.

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Coverage Lines

Dozens of coverage options and lines of business. Contact us for additional coverage, products & classifications not shown below.

Consistent and competitive General Liability product for a wide variety of casualty exposures which can be written monoline or package with other lines of business. Binding authorities for over 800 of more than 1300 ISO and specific carrier classifications. Entertaining approximately 220 additional classes on a submit or brokerage basis.

Primary and Non-Contributory
Construction Related Exposures
Contractual Liability Amendment
Defense Within Limits
Discontinued Products
Environmental Pollution Exposures
Explosion, Collapse and Underground Property Damage Hazard
Follow Form Excess Liability
Host Liquor Liability
Premises Liability
Abuse or Molestation Liability
Animal Related Coverage
Assault or Battery Limited Liability Coverage
Hired & Non-Owned Auto Liability
Limited Product Withdrawal Expense Coverage
Lost Key
Owners And Contractors Protective Coverage (OCP)
Privacy Breach Coverage
Professional Liability - Occurrence Form
Stop Gap - Employers' Liability Insurance
Construction Project General Aggregate Limit
Waiver of Transfer of Rights Against Others to Us
Contractors Extension Endorsement
Property Damage – Care, Custody and Control
Waiver of Governmental Immunity
Per Project / Per Location Aggregate
Condo Unit Owners CGL & Property
Land Owners

Professional liability underwriters focus on asset managers, insurance agents and brokers, architect engineering, excess accountants, insurance companies, lawyers, media film companies, tech companies and other miscellaneous professionals. Together with our limited group of partners we work to fully understand the specific needs in order to provide comprehensive coverage.

Duty to Defend Wording
Personal Injury Coverage
Bilateral Extended Reporting Period
Supplemental Payments
Automatic Spousal Coverage Extension
Final Adjudication
Claims Expenses in addition to limit of liability
First Dollar Defense
Copyright/Infringment Coverage
Punitive Damages
Independent Contractors
Softened (50/50) Hammer Clause
Pay on Behalf Wording

Layered Excess Liability has arrived in Florida.
Our Excess products provide more coverage for your customers helps grow your book of business and fits nicely into our appetite.

Layered Excess appetite mirrors Lead Excess. 
Preferred tower is $10 million or less.
Total towers less than $15 million.
Towers less than two excess carriers. 
Will participate at the 2nd layer only.

Follow Form Lead Excess Liability policy limits to $5,000,000 for most classifications and up to $10,000,000 select classifications. Contracting risks less than $5M estimated annual gross receipts. Risks with less than $15 million gross receipts. 

Auto (light, medium & heavy)
Employer’s Liability
Liquor Liability
Employee Benefits Liability
Liquor Liability
Commercial Contractors
Residential Contractors
Apartments & Dwellings
Building/Premises – LRO
Vacant/Occupied Land
Vacant Buildings
Limits up to $10M
Retail Establishment

We are committed to developing a strong Commercial Property product for our producing partners and offer a variety of options including windstorm exposures. Property coverage written on a package or monoline basis is a valuable complement to General Liability lines of business.

Windstorm or Hail
Debris Removal
Equipment Breakdown
Extra Expense
Legal Liability
Ordinance or Law Coverage
Peak Season Endorsement
Signs (Commercial Property)
Transit Coverage (Property in Transit)
Utility Services - Direct Damage & Time Element
Crime Robbery and Safe Burglary
Crime Premises Theft and Outside Robbery
Crime Robbery and Safe Burglary/Money and Securities
Identity Recovery Coverage (IDR)
Property Extension for Special Form
Personal Effects and Property of Others
Water Back Up or Overflow From Sewer, Drain or Sump
Condominium Commercial Unit-Owners Coverage 
Condominium Association Coverage Form
Lock and Key Replacement
Builders Risk
Radio and Television Antennas
Outdoor Trees, Shrubs and Plants
Seasonal Leases – Monthly Limits on Loss Payment
Legal Liability Coverage Form
Building And Personal Property Coverage Form
Leased Property

In many cases coverage can be packaged with General Liability and Property coverage or written on a monoline basis. Maximum amount of coverage available for an inland marine schedule is $300,000. Maximum amount of coverage available for a property/inland marine schedule, per location, is $1,500,000 (up to $2,500,000 on a submit basis).

Accounts Receivable
Bailee’s Customers Goods
Contractors Equipment
Contractors Miscellaneous Tools
Installation Coverage
Miscellaneous Scheduled Property
Repair and Service Operations Legal Liability
Trip Transit
Valuable Papers and Records
Watercraft Physical Damage Coverage
EDP - Electronic Data Processing
Bailee Customers
Warehouse Legal Liability
Motor Truck Cargo
Machinery and Equipment
Exhibition Floater
Signs (Inland Marine)
Farm Equipment
Miscellaneous Commercial Floaters
Fine Arts

Garage coverage is available on a monoline basis or packaged with Property, General Liability, and Inland Marine.  DOL or GKLL up to $5,000,000 Lot Limit /$ 500,000 Per Vehicle Limit for eligible risks. 

Garage Liability, Garagekeepers and Dealers Open Lot (DOL)
Legal Liability, Direct Excess, Direct Primary GKLL
False Pretense
Medical Payments
Uninsured Motorists
Personal Injury Protection
Broadened Coverage
Damage to Rented Premises
Dealer’s Errors & Omissions
Waiver of Subrogation
Personal Injury Liability
Radius of Pickup & Delivery Extension

Best-in-class environmental products for a broad scope of exposures which through their work or operations have an exposure to pollution related liability. Environmental products include Environmental Impairment Liability, Environmental Package, Fire and Water Restoration Contractors.

ISO CGL and any combination of CPL, PL, TPL
Follow Form Excess
Fire and Water Restoration Contractors 
Maximum limits: $10M excess of $1M primary ($11M total)
Bailees Coverage up to $1M
Property Damage to "your work"  (CPL)
Contractors Pollution Liability
Mold Contractors
Transportation Pollution
Site Specific Pollution
EIFS Pollution
Waste Facilities
Hazardous Materials
Storage Tank/Piping Cleaning
Asbestos Abatement
Environmental Drilling
Consulting Services
Contracting Operations
Air Quality Testing
Mold/Microbial Matter
Air Quality Testing
Mold/Lead Abatement
Landfills/Disposal Facilities
Wastewater/Sewage Treatment

A-Rated admitted and non-admitted programs to meet your needs. Property and Inland Marine is available in support of Marine accounts. Bridge different lines of marine business (inland and ocean marine) and package products within those lines. 

Charterers Legal Liability
Docks and Piers
Protection and Indemnity
Boat Dealers
Marine Contractor Legal Liability
Ship Repairers Liability
Terminal Operators
Ocean Cargo
Marine General Liability
Marine Excess Liability
Wharfingers' Liability
Stevedores' Liability
Terminal Operators Liability
Hull & Machinery

Underwriting a broad spectrum of classes of hospitality business. Stable markets with excellent service utilizing financially strong insurance carriers. Assault and Battery buy-back coverage available. 

$1,000,000 Each Common Cause/$2,000,000 Aggregate
Additional Insured - Lessor coverage
Additional Insured - Volunteers coverage
Additional Insured-Employees Coverage
Assault & Battery Coverage
Defense Cost in addition to the limit
No deductible or SIR - first dollar coverage
Separate Aggregate Limit for each insured location
Special Events 

Personal insurance products designed to add extra liability coverage over and above another insurance policy such as auto or homeowners insurance. 

Personal Cyber Liability
Excess Personal Umbrella
Farmers Personal Liability
Primary and Excess Comprehensive Personal Liability
Target / High-Profile Primary and Excess Personal Umbrella
(CPL or OL&T)
Identity Theft
Animal Liability
Property Managers on a Scheduled Location
Youthful Drivers with Prior History
Trusts , Estates , Individuals , LLCs (Personally Owned Only)
HIgh Value Homeowners H03 (brokerage) 

Policies that cover commercial buildings, stores, hotels, schools. Glass in Condominiums, Co-ops, and some homes (this varies by state). 

Commercial Glass
Condominium Glass
First dollar coverage for condo units
Hotel / Motel Glass
Commercial Tenant's Glass
Association Glass Programs
Store/shop glass
Wind and earthquake
24/7 emergency hotline

USPlate is the country's largest monoline glass insurer,

Designed for individual owners of residential condominium units located within a condominium building part of  association they do not own or manage. Unit(s) may be rented to others either on an annual or seasonal basis. Both commercial liability and property coverages are limited to apply within the four walls of the units only.

General Liability Condominium Unit-Owners
– Residential (Lessors Risk Only)
Lock and Key Replacement
Tenant Relocation Expense
Loss Assessment Coverage
Miscellaneous Real Property Coverage
Equipment Breakdown

Vacation Rental exposures apply to owned dwellings, townhouses, or individual condominium units exclusively leased as a vacation rental for 3 months or less. The dwelling, townhouse, or condominium unit may or may not be associated with an AirBNB or VRBO platform.


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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