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FL Agency License #L135175 NPN #22138836
5 stars by Florida Businesses
Independent Agency · Brevard County, FL
Your Business isn't Generic.
Your Insurance Shouldn't be Either.
We help Florida HVAC Contractors, Energy Contractors, and Commercial Property Owners find specialty insurers that understand their risks.
The Result: fair pricing, clear coverage, and protection built around how your business actually operates.
25+
Years Experience
50+
Insurance Carriers
2x
Faster Quote Review
Why Businesses Choose MW
Independent by design
We compare specialty carriers to find a fit for your business, then present your account clearly so the right insurer wants to write it.
Accessible
When you call, you reach someone who already understands your account and can help.
Experience
Over two decades of insurance knowledge. We know the markets, the fine print, and the small details that can change your premium or your protection.
Client Success Stories
What Florida Business Owners Say
"Saved 20% on premium. Reduced my hurricane deductible by $80,000 at my Flagship location, can't recommend them enough."
Dr. Ryan Caudill
- Caudill and McNeight Orthodontics
PLACED WITH
"We didn't have the right coverage for the main thing we do. Matt and his team fixed it. My peace of mind is priceless, but they still saved me $40K. So grateful."
Chris Cates
- Pipeline prep and maintenance
-Owner CFI Inc
PLACED WITH
"No policy after heavy claims on the fleet. Don't know how, but new price wasn't bad. Hats off, great job."
Walter Martinez
- Contractor and COO
PLACED WITH
How it Works
3 Steps. No Guesswork
Tell us about your business, we compare specialty markets, and you choose the coverage that fits.
Give Us The Basics
A few quick details about your business. That's all it takes — online or on the phone. We'll handle the rest.
We Shop It Around
We shop dozens of insurers, not just one — and catch the liability gaps that turn one bad job into a lawsuit..
Bind It. Done.
We handle the paperwork, send your certificate of insurance, and track renewals — so nothing quietly lapses.
Coverage We Place
Business Insurance. Built to Fit.
Commercial Property Insurance
Business Property Insurance — also called Commercial Property Insurance — covers the building you own or lease, plus the equipment, tools, and physical assets that keep your business running
For businesses with a location or valuable property, equipment, or inventory.
General Liability Insurance
General Liability Insurance protects your Florida business if you're accused of causing bodily injury, property damage, or other damages — including negligence, premises liability, or advertising-related claims like libel and slander.
For businesses that interact with customers, work on customer property, or promote their services through advertising or marketing.
Business Owner's Policy (BOP)
A Business Owner's Policy (BOP) bundles General Liability, Commercial Property, and Business Income coverage into one simple package — built for Florida small businesses that want solid protection without managing three separate policies.
For small to mid-sized businesses that want core coverage in one policy, without the hassle of bundling it themselves.
Business Income Insurance
Business Income Insurance — also called Business Interruption Insurance — replaces lost income when a covered storm, fire, or other disaster forces your Florida business to temporarily shut down, helping you keep up with rent, payroll, and loan payments while you get back on your feet.
For businesses that rely on a physical location, equipment, or steady daily revenue to operate.
Commercial Auto Insurance
Commercial Auto Insurance protects your Florida business if you or an employee causes an accident while driving for work, covering vehicle damage, injury claims, and related costs — including Hired and Non-Owned Auto coverage for employee-owned vehicles used on the job.
For any business that owns, leases, or uses vehicles for business—company cars, vans, trucks, or employee-owned vehicles used for work.
Commercial Flood
Commercial Flood Insurance protects Florida properties against a risk standard property policies don't cover. We compare NFIP and private flood options side by side, so you know exactly what's covered — even if your property sits outside a mapped flood zone.
For property owners or tenants in flood-prone areas — or anyone who wants flood protection beyond a standard property policy.
FOR HVAC CONTRACTORS
A Bad Install Shouldn't Cost You the Business.
A condensate line clogs and water backs up through a customer's ceiling. A tech backs the van into a garage door. Someone breaks into your truck overnight and takes every tool you own.
None of that has to come out of your pocket — if you're covered right.
And when a GC or property manager needs a certificate of insurance, you shouldn't have to chase down your agent for three days to get one. We turn them around the same day, every time.
FOR HVAC TEAMS SCALING FAST
The Growth Coverage Check
You're Growing
Your Policy Might Not Be
Generalist Agents
Don't Know This Market
Your Premium
Benchmarked, Not Guessed
We find the gaps a generic policy hides, access HVAC-only programs generalist agents can't, and build your COI process before a GC's waiting on one.
FOR ENERGY CONTRACTORS SCALING FAST
The Energy Exposure Checkpoint
Mixed Operations
Need All Sides Covered
Generalist Agents
Miscalculate Your Risk
Insurance Cost
Benchmarked, Not Guessed
We know how to position growing energy contractors to insurers — so you get coverage without paying the 10-15% of revenue generalist agents default to.
For Energy Contractors
What You Don't Tell Your Agent Can Sink You.
You're doing energy work. You're also picking up non-energy jobs to keep growing. Your agent only knows about one of them.
That's not a cost-saving move. That's a claim your policy won't pay.
We position mixed-operation energy contractors correctly from day one — full coverage for both sides of your business, without the premium hit generalist agents assume you'll take.
For Coastal Commercial Property Owners
