Florida's Independent Insurance Partner Since 1996
Statewide coverage. Local service. The right policy for your life and business.
See what an independent agent can do for you in 60 seconds.
- We shop 20+ carriers — not just one.
- Florida-specific advice on flood, wind, and umbrella.
- No call centers. You'll talk to a licensed agent.
No obligation. Most quotes come back within one business day.
Independent. Statewide. On Your Side.
We work for you — not the carriers. That independence means we can shop multiple markets and give you a straight answer about which one actually fits.
Real choice
20+ carriers. We match coverage to your life — not the other way around.
Florida-rooted
Statewide coverage with deep local knowledge of flood, wind, and coastal risk.
Real humans
No call centers. You'll work with a licensed agent who knows your name.
Since 1996
Three decades of helping Floridians protect what matters most.
What would you like to insure?
Auto, home, flood, umbrella, watercraft, and more — for Florida families. 13 coverage lines.
Homeowners Insurance
Hurricane, wind, and Florida-specific risk covered the way it should be.
Auto Insurance
Florida auto coverage from carriers we trust — built for how you actually drive.
Renters Insurance
Protection for the belongings and liability your landlord's policy doesn't cover.
Condo Insurance
HO-6 unit coverage that fills the gap your association policy doesn't cover.
Umbrella Insurance
$1M+ of liability over your auto, home, and boat — often around $25–$40/month.
Classic Car Insurance
Boat & Watercraft
Florida marine coverage for bay, offshore, jet ski, and yacht.
Motorcycle Insurance
Florida bike coverage including helmet-law options and trike/sidecar.
RV Insurance
Class A, B, C, fifth-wheel, travel trailer — full-time or part-time.
BOP, GL, workers' comp, professional liability, and 13 more lines. 16 coverage lines.
Business Owner Policy (BOP)
Liability + property + business interruption in one package.
General Liability
Foundation coverage. Bodily injury, property damage, advertising injury.
Commercial Property
Owned or leased — your building, equipment, and inventory protected.
Business Auto
Commercial vehicles, fleet, and hired/non-owned coverage.
Workers' Compensation
Required in Florida by industry — protect employees and the business.
Professional Liability (E&O)
E&O for advice-givers — consultants, agents, brokers, professionals.
Directors & Officers (D&O)
Protect personal assets of directors and officers from claims of mismanagement.
Employment Practices Liability (EPLI)
Wrongful termination, harassment, discrimination — defense and damages.
Liquor Liability
Required by many Florida counties, landlords, and venues for businesses serving alcohol.
Health, life, disability, dental, long-term care, and retirement income. 9 coverage lines.
Life Insurance
Term, whole, universal, and IUL — matched to your stage of life.
Group Benefits
Employer-sponsored dental, vision, life, disability, and voluntary.
Group Health
Employee health plans for Florida businesses, 2–500 lives.
Individual Health
On- or off-marketplace plans — we shop both for you.
Dental & Vision
Cleaning, fillings, frames, contacts — stand-alone dental and vision plans.
Short Term Care
Long Term Care
Cover the cost of in-home care, assisted living, or nursing home.
Disability Insurance
Income replacement when you can't work — short or long term.
Annuities
Fixed, indexed, and immediate annuity options from multiple carriers.
Carriers we work with
Mark Baker
<p>Mark founded Capital Partners in 1996 with a single principle: an independent agent in your community always gives better service than a captive carrier. Three decades later, that's still the foundation of every policy we write. </p>
Read his storyEducation, news, and Florida-specific tips
Let's find the right coverage together.
Tell us a little about what you'd like to insure and a licensed Florida agent will be in touch — usually within one business day.
Business hours are Mon–Fri 9:00 AM – 5:00 PM ET. Messages received outside those hours are answered the next business day.