About us
An independent broker, which means we work for you
Covered 365 is a commercial insurance brokerage on Las Olas Boulevard in Fort Lauderdale. We are not owned by a carrier and we do not have a quota to fill for one, so our recommendation is whatever the market actually says is best for you.
What independent actually means
A captive agent represents one insurance company. Whatever your situation, the answer is that company's product, because it is the only product they can sell you. An independent broker holds appointments with many carriers and takes your submission to the ones most likely to want it.
That difference shows up most at renewal. When a carrier pushes a 25% increase — which happens routinely in Florida property and commercial auto — a captive agent can tell you it is the market. We can go find out whether it actually is, and move you if it is not.
Why the name
Insurance is a 365-day product that most agencies service about 250 days a year. The gap is the problem: the certificate you need on a Saturday, the vehicle you added on a Friday afternoon, the general contractor who will not let your crew on site Monday morning without proof of coverage.
We built the client portal on this site specifically to close that gap. Your policies, your invoices, and your certificates are available to you directly, at any hour, without waiting for someone to open their email.
How we are paid
Through commission from the carrier, built into the premium — the standard arrangement in commercial insurance. You do not pay us a separate fee, and using a broker does not make the same policy cost more than buying it direct. If a fee ever applies to a particular placement, we tell you before you bind, not after.
How we work
Three commitments we will hold ourselves to
We start renewals 90 days out
Not the week of expiration. That is the only way there is time to remarket if the incumbent's number is bad.
We read the contract before you sign it
Send us the insurance requirements exhibit. We will tell you what you are missing and what is unreasonable, at no charge.
We tell you when you already have a good deal
If your current program is well priced and well written, we will say so. Winning your business on a bad recommendation is not worth it.