Insurance — commercial property & estates
Carriers are pulling back from the coast, premiums are climbing, and lenders want proof of coverage before they fund anything. We review your coverage free, take it to the right specialist market, and stay on it until it's bound. Licensed producer, CA & FL.
Why owners call
Carriers are trimming coastal, wildfire, and older-building exposure — and the letter usually arrives with barely enough runway to replace coverage properly.
RENEWALS · NON-RENEWAL RESCUE
Buyers discover at the eleventh hour that the building can't be insured at a price that pencils — and the lender won't close without it.
ESCROW · LENDER REQUIREMENTS
Montecito and coastal homes pushed off admitted carriers onto the FAIR Plan — with gaps the owner never sees until it matters. Steve lives in Montecito; he's watched it happen to neighbors.
HIGH-VALUE HOME · WILDFIRE STRATEGY
Ground-up and major remodels need coverage most brokers rarely place — and construction lenders check it line by line.
BUILDER'S RISK · COURSE OF CONSTRUCTION
How it works
STEP 0130 MIN
Send your declarations pages. We read them the way a builder reads drawings — limits, exclusions, valuations, and what your lender will actually require. Free and confidential.
STEP 02THE MARKET
Your situation goes to the specialist brokers and carriers who actually write coastal commercial, estates, and builder's risk — the right desk for your risk.
STEP 03BOUND
We negotiate alongside you, translate between carrier, lender, and deal — and don't step away until coverage is bound.
"I'm a licensed producer in California and Florida — but my job isn't selling you a policy. It's making sure insurance never kills your deal, your closing, or your renewal."
Start here
Renewal coming up, non-renewal letter in hand, or a deal in escrow that needs coverage to close — send the basics. Response within one business day.
Prefer to talk? Call or text (305) 990-2753 or email team@haymakersre.com
