Insurance Built on Structure,
Not Shortcuts

Technology does the heavy lifting. Human judgment makes the decisions.

Choose Your Coverage Path

What brings you here today?

Select your path to receive tailored guidance from our specialized advisors

Commercial Insurance

Structured protection for businesses, operations, and liability exposure

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Popular

Personal Insurance

Premium coverage for high-value assets, estates, and personal risk

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Yacht & Marine

Specialized maritime protection for vessels, crew, and charter operations

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Trusted by Leading Organizations

Our Process. Your Outcome.

A guided path to better coverage

Step 1

Understand Your Risk

Start with a real conversation — not a form.

You meet with a TBF advisor to discuss your assets, operations, and risk priorities. We focus on how coverage should perform in a loss, not just what it costs.

What we'll discuss:

Assets & Operations

Current Liabilities

Risk Priorities

Coverage Goals

Step 2

Share Your Current Program

Transparency unlocks better outcomes.

You securely share your existing policies, schedules, and loss history. This allows us to evaluate structure, limits, deductibles, and exclusions — not just premiums.

Drop files here or click to upload

Policies, schedules, loss runs (PDF, DOC, XLSX)

What we review:

Limits & Valuation

Policy Form Quality

Deductible Efficiency

Hidden Exclusions

Step 3

Analyze, Benchmark, Identify Gaps

Technology does the heavy lifting. Human judgment makes the decisions.

Our advisors, supported by intelligent systems, analyze your program against real market benchmarks to surface gaps, inefficiencies, and missed opportunities others overlook.

65%

Strong Coverage

25%

Review Needed

10%

Exposure Found

Step 4

Build a Clear Plan of Action

No pressure. No surprises. Just clarity.

We walk you through findings in plain language and outline a recommended path forward — whether that means refining your current structure or redesigning it entirely.

You receive:

Clear recommendations

Side-by-side options

Trade-offs explained

No obligation to proceed

Current Program

$522,830

Coverage gaps3 found

Form qualityModerate

Optimized Structure

$413,342

Coverage gaps0 found

Form qualitySuperior

Annual Savings

Step 5

Execution With Full Transparency

You always know where things stand.

Once you approve the strategy, TBF manages the execution — while giving you real-time visibility into every step of the process. No black boxes. No guessing.

Your Placement Timeline

Marketing

Your program is presented to carefully selected carriers based on fit, appetite, and structure

Quotes Received

We collect and validate carrier responses, ensuring terms align with what was requested

Reviewed by Our Team

Our advisors analyze each quote for coverage quality and structural integrity

Proposal Delivered

You receive a clear proposal with recommendations and trade-offs explained

Ready to Begin Your Journey?

It starts with a conversation—focused, transparent, and without pressure.

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Comprehensive Coverage

Sophisticated protection engineered for businesses, individuals, and specialized assets worldwide

Commercial

Enterprise-grade protection designed for operational complexity and growth

Business Owner Policies

General Liability

Cyber & Technology Risk

Directors & Officers

Workers' Compensation

Commercial Property

Personal

Refined coverage crafted for high-value assets and exceptional lifestyles

High-Value Property

Jewelry & Fine Art

Umbrella Liability

Luxury Auto & Collectibles

Estate Protection

Private Client Services

Yacht & Marine

Specialized maritime protection for vessels of distinction

Hull & Machinery

Protection & Indemnity

Crew & Charter Coverage

Tender & Equipment

Navigational Extensions

Loss of Use Coverage

Your Proposal

Review your customized coverage recommendations

General Liability

Current Coverage

$1M / $2M

Annual Premium

$94,750

Proposed Coverage

$2M / $4M

Annual Premium

$81,920

•Replaced restrictive manuscript endorsements with broader carrier-approved forms
•Added Blanket Additional Insured coverage tied to written contracts
•Strengthened contractual compliance and reduced denial risk

-$12,830

Cost Savings14%

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Understand Your Risk

Answer a few questions to get a personalized assessment

Question 1 of 333% Complete

What type of coverage are you looking for?

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Client Stories

"TBFInsure didn't just quote us — they used data to uncover exposures and a real advisor to explain what mattered. That combination made all the difference."

David M.

Meridian Commercial Group

Business Owner

"After years with the same carrier, TBF showed us where our yacht coverage had gaps we didn't even know existed. Their marine expertise is unmatched."

Jennifer & Robert K.

K&K Holdings

Yacht Owners

"The cyber insurance landscape is confusing, but TBF's team made it simple. They assessed our technology risks and structured a policy that actually protects us."

Marcus T.

NovaTech Solutions

Founder & CEO

"Our commercial property insurance was outdated and under-covered. TBF's analysis caught issues that could have cost us millions in a loss."

Sarah L.

Landmark Development Co.

Property Developer

"Switching to TBF was the best insurance decision we've made. Their advisors are knowledgeable, responsive, and genuinely care about our business."

James P.

Precision Manufacturing

Executive Director

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Get a Free Quote

Serving South Florida — Miami-Dade, Broward & Palm Beach County

Ready to Get Started?

Whether you need a fresh quote or clarity on existing coverage — we're ready.

Insurance Built on Structure,Not Shortcuts

What brings you here today?

Commercial Insurance

Personal Insurance

Yacht & Marine

Our Process. Your Outcome.

Understand Your Risk

Share Your Current Program

Analyze, Benchmark, Identify Gaps

Build a Clear Plan of Action

Execution With Full Transparency

Ready to Begin Your Journey?

Comprehensive Coverage

Commercial

Personal

Yacht & Marine

Your Proposal

General Liability

Understand Your Risk

What type of coverage are you looking for?

Client Stories

Get a Free Quote

Ready to Get Started?

Our Process. Your Outcome.

Understand Your Risk

Share Your Current Program

Analyze, Benchmark, Identify Gaps

Build a Clear Plan of Action

Execution With Full Transparency

Ready to Begin Your Journey?

Your Proposal

General Liability

What type of coverage are you looking for?

Insurance Built on Structure,
Not Shortcuts