Coverage for Every Part of Florida.
Commercial and residential property and casualty insurance across Florida.
Not sure what you need? Call (954) 937-2111 and we will talk it through.
Commercial & Business
Coverage for the companies, properties and teams that keep Florida working.
Commercial Package & Business Owners Policy
Property and general liability bundled into one policy, priced for your size and operations.
Commercial Property
Buildings, equipment, inventory and improvements, with options for wind and flood.
General Liability
Protection against third party injury and property damage claims tied to your premises or operations.
Commercial Umbrella & Excess
Higher liability limits above your primary policies, so one large claim does not put the business at risk.
Workers' Compensation
Coverage for employee injuries on the job, required for many Florida employers.
Commercial Auto
Coverage for the cars, vans and trucks your business owns or uses, including liability and physical damage.
Warehouse
Property, liability and stored goods coverage for warehouse, storage and distribution operations.
Garage
Garage liability and garagekeepers coverage for businesses that work on or store customer vehicles.
Condo Associations & HOAs
A. J. Ryan is also a licensed Community Association Manager, so we understand how boards, budgets and buildings actually work.
Association Master Policies
Master property and liability coverage for condominium and homeowners associations, including wind and flood options.
Directors & Officers (D&O)
Liability protection for association board members and business leaders, covering claims tied to their decisions.
Home, Property & Personal Liability
Protection for the places you live and the property you own across Florida.
Home & Condo
Homeowners, condo unit owner and renters coverage for your dwelling, belongings and liability.
Flood
NFIP and private flood policies, often required by lenders in coastal zones.
Wind & Hurricane
Windstorm coverage on its own or included in your policy, with guidance on deductibles and mitigation credits.
Landlord & Rental
Dwelling and liability coverage for homes, condos and small buildings you rent out.
Personal Umbrella
Extra liability limits above your home and boat policies.
Marine & Yacht
On the water is part of life here, and your boat deserves coverage built for Florida storms.
Marine & Yacht
Hull, liability and named storm coverage for boats and yachts, from weekend cruisers to larger vessels.