Products and Services

Important Links

Insurance-Related Programs

RLI Personal Umbrella Policy: The RLI PUP is a true “broad form” umbrella providing coverage that is not limited by exclusions or limitations in the underlying policies. RLI is rated A+ by A.M. Best and will write over any underlying carrier regardless of rating. Limits up to $5 million are available and RLI will write over other umbrellas if you are looking for additional excess limits.

RLI @Home Business Policy: Home-based business is one of the fastest growing business markets in the country. Homeowners policies do not provide coverage for liability resulting from home-based business. RLI provides coverage using and ISO BOP form that provides broad coverage for business-related exposures.

RLI eXS Commercial Umbrella: FMS can provide your agency with quotes for commercial excess coverage for your insureds. RLI will write limits up to $5 million including liquor liability and excess D&O.

Old Dominion Flood Insurance Program - 20% commission on both new and renewal business with an “A” rated carrier.

Independent Market Solutions (IMS): FMS has partnered with several carriers wishing to expand their property writings in Florida. FAIA members have access to companies willing to write homeowners, dwelling fire, stand-alone personal inland marine, BOP, artisan contractors, excess flood, and other property-related coverages.

Southern Premium Funding (AgentSource): SPF is not a finance company, but a broker of finance companies. In addition to providing access to multiple finance companies, SPF can also provide you with the ability to handle credit card payments for premiums and finance installments.

e2Value Property Valuation Software: Valuation of property helps reduce exposure to E&O claims from failure to adequately insure property risks. Through e2Value, you have access to one of the best and most user-friendly systems available. The e2Value system is also accepted by Citizens for all types of property risks.

Site Inspections Program: Citizens’ ATB#010-007 allows insureds to have inspections in lieu of appraisals for high-valued homes and commercial residential property if the inspector meets certain criteria. FMS brings you a special program from a national company at affordable pricing.

For more information please contact one of our representatives below:

North Florida
 Fred Phelps
850.893.4155 ext. 342

Central and South Florida
 Jackie Cook
941.223.5667