As an independent insurance agent, I represent a number of insurance companies and intermediaries that allow me to find the right products that most accurately meet the requirements of my insureds. Over time, a business' coverage can evolve and insurance carrier appetites will change. My independence allows me to stay actively involved and aware of any new programs and coverage options that may become availableIn Florida, it’s difficult for a homeowner to understand the current market environment. When it comes to ratings, i.e. Demotech or AM Best, admitted or non-admitted markets, company solvency, and even flood reform, I’ll take the time to explain what they mean and how they affect your coverage.High Net Worth (HNW) Personal Lines Insurance:Because HNW families overlook possible savings opportunities, my review process can typically rebalance their personal insurance program to achieve more effective protection without significantly increasing premiums. I have access to HNW-market carriers — carriers that: 1) specializes in serving the needs of HNW families and 2) has the flexibility and breadth of coverages to make a customized approach possible. Close to 70% of HNW families have their insurance spread over more than one agent or agency. I can combine the coverage under one policy resulting in lower premium and better coverage.Emerging Risks:What are emerging risks?We define emerging risks as newly developing or changing risks that are difficult toquantify and could have a major impact on society and industry.Potential impacts:Internal data loss and partial business interruption / Data corruption or data theft may lead to accumulated losses and business interruption, with one event impacting many companies / Provider liability claims / Reputation and financial damage if confidential client data is lost