Local risk picture
Hurricane wind dominates everything — named-storm deductibles of 2%–5%, roof-age underwriting, and carriers entering and exiting the market yearly. Older congregations near the coast may need excess & surplus placements or Citizens plus wrap coverage. Wind mitigation inspections often pay for themselves at the first renewal.
Coverage Miami congregations put together
Most Miami organizations combine property, general liability, workers' comp, abuse & molestation, D&O, and cyber coverage into one package. We compare specialist church carriers side-by-side and deliver quotes within one business day.