Retail & mixed-use
Strip centers, street retail, and buildings with a tenant mix a carrier has to understand.
Commercial property · Florida
A lower premium starts with a closer reading of the building.
TruBroker is Kenny Anderson’s desk for Florida owners who are tired of renewal increases they cannot explain. We re-underwrite the property — roof, systems, replacement cost, and the last 36 months of claims — then place it where the rate still makes sense.
Kenny Anderson · Brier Grieves Insurance Agency · Tampa
Independent
Not appointed to a single carrier. The file can move.
Tampa, since 1996
Placed through Brier Grieves Insurance Agency.
Declarations first
We want the current policy, not a guess at it.
Approach
Four steps. Nothing binds until you say so.
01
Send the facts
Address, ages, replacement cost, claims, and the declarations page if you have it.
02
We mark the policy
Wind, deductibles, coinsurance, and limits get a plain-language read.
03
Markets reply
Terms come back from carriers that still write this class in Florida.
04
You compare
Coverage and price sit side by side. You decide what, if anything, moves.
Where cost moves
Savings come from the file, not from a slogan.
No two Florida buildings price the same. The review is built to find the dollars a renewal on autopilot leaves on the table — without promising a number before the property is seen.
Read the declarations before the renewal.
Most of the money is hiding in wind deductibles, coinsurance, ordinance or law, and a replacement cost that was never revisited. We mark the page up before we ask a carrier for a number.
Credit the roof and the updates.
Florida property pricing moves when the roof year, wind mitigation, electrical, plumbing, and HVAC are documented. An age you can prove is worth more than an age a carrier has to assume.
Shop appetite, not a single logo.
Admitted carriers, surplus lines, and Citizens alternatives do not want the same building. An independent desk can leave a market. That is the practical way a premium comes down without stripping the coverage a lender will accept.
Tell the loss story cleanly.
A claim in the last 36 months is not automatically a declined file. A closed date, a cause of loss, and what was repaired afterward changes how an underwriter prices the next term.
Buildings
Property an owner actually has to insure.
Office, hospitality, and association schedules are welcome too. If a lender or a lease is driving the deadline, say so in the notes.
Warehouse & industrial
Light industrial, distribution, and flex buildings where replacement cost and wind both matter.
Multifamily
Apartments and association buildings, including habitational schedules that have grown stale.
Florida property briefing
What the market is saying this week.
Headlines on Florida and commercial property insurance, pulled from Insurance Journal and refreshed through the day. Kept for at least a daily read, with the source linked on every item.
Checked less than a minute ago
- Florida Reforms Cut Property Premiums but Data Show Multifamily Liability Rates Up
In the warming Florida market, post-legislative reforms, much of the focus has been on homeowners’ property insurance rates. But one segment has been overlooked to a degree: multifamily dwellings, a category that includes everything from du
Insurance Journal
- Former Trident Reciprocal CEO Ordered to Pay $468K in Attorney and Arbitrator Fees
Trident Reciprocal Exchange is one of the new kids on the Florida block. It was launched in 2024 as the long-distressed Florida property insurance market began to thaw following statutory changes that clamped down on spiraling claims lawsui
Insurance Journal
- Florida Agency Owner and Unlicensed Agent Charged in Fake Certificates Scheme
A man acting as an insurance agent—24 years after his license was revoked—and a south Florida insurance agency owner have been charged with taking premium payments and providing fake workers’ compensation certificates of insurance to a cont
Insurance Journal
- Update: Florida OIR Marks End to American Mobile, Which Briefly Served Stressed Market
Six years after it launched and two years after it exited the distressed Florida market, American Mobile Insurance Exchange has officially lost its authority to operate. Florida Insurance Commissioner Mike Yaworsky announced Monday, Oct. 19
Insurance Journal
- Isaias: 47,000 Claims and $582M in Losses in Florida So Far, OIR Reports
The late-season hurricane known as Isaias has so far produced about 47,000 claims in Florida, with estimated insured losses at $582 million, carriers have reported to the Florida Office of Insurance Regulation. A week after the storm made l
Insurance Journal
- More Florida Insurers Announce Rate Cuts for Auto, Homeowners, Condo Units
Three more insurance carriers have announced reduced rates—for homeowners, condominium units and for auto policies, affecting more than half a million policies in Florida. USAA insurance, catering to military service members and their famil
Insurance Journal
Request a quote
Tell us about the building.
The form emails Kenny at kennya@bgains.com when you submit it, including a file of your current policy or declarations page.
- Have the property address ready.
- Ages can be approximate if records are thin.
- A declarations page beats a memory of the premium.