Florida independent insurance agency for contractors, businesses,
and families
Coverage that fits Florida life and work
One agency for commercial and personal insurance
GM Insurance Underwriters is an independent insurance agency based in Jacksonville, helping clients across Florida protect what they’ve built and what they’re building next. We work with a wide network of top carriers so your coverage matches your real risks, not a one-size-fits-all package.
Contractors and construction firms make up most of our book, and we know how fast insurance needs can change when bids turn into jobs. At the same time, we’re here for small business owners who need reliable
commercial coverage and for families looking for dependable home and auto protection in a state where storms, traffic, and property values can shift quickly.
Our Insurance Services at a Glance
Commercial Construction Insurance
Commercial Construction Insurance is GM Insurance Underwriters’ core specialty in Florida. We help contractors compare liability, workers’ comp, builder’s risk, bonds, equipment, commercial auto, and umbrella options so policies meet job requirements and keep projects moving.
Business Insurance
Business Insurance from GM Insurance Underwriters supports Florida companies across many industries. We help owners compare liability, property, BOP, professional liability, cyber, EPLI, commercial auto, and umbrella coverage so protection fits operations, contracts, and growth plans.
Personal Insurance
Personal Insurance through GM Insurance Underwriters helps Florida families protect what matters most. We guide homeowners and drivers through home, auto, condo, flood, and personal umbrella choices so your coverage matches local risks, budgets, and everyday life.
Construction insurance specialists
Commercial construction insurance for Florida contractors
Construction is where we do our deepest work. GM Insurance Underwriters builds insurance programs for general contractors, subcontractors, and specialty trades throughout Florida, from job sites in Downtown
Jacksonville and Riverside to growing corridors in
Orlando,
Tampa Bay,
Miami
and South Florida.
We help you meet contract requirements, keep certificates on schedule, and line up the policies most projects demand. If you need coverage for a single job or a full annual program, we’ll walk through your operations and your contracts so you can start work with confidence.
Why Choose Us
Construction-first expertise
Commercial construction is not a side offering for GM Insurance Underwriters. About 70% of our work is built around Florida contractors, so we understand contracts, certificates, and the real risks on active job sites.
Independent agency, real options
Because we are independent, we are not tied to one carrier. We shop multiple A-rated markets to find coverage that fits your trade, your budget, and your requirements, then explain the choices clearly.
Local, responsive, community rooted
We are a Florida agency with deep Jacksonville ties and strong community involvement. Clients stay with us because we answer quickly, keep renewals straightforward, and support you long after a policy is in place.
Business insurance for every stage
Florida business insurance that grows with you
Small and mid-sized businesses across Florida face a mix of everyday liability risks and region-specific concerns like hurricane exposure and seasonal revenue swings. We help
business owners choose practical coverage for their industry and their budget, whether you run a professional office, retail shop, service company, or a growing team with vehicles on the road.
As an independent agency, we compare options across carriers and explain the tradeoffs clearly so you’re not left guessing at renewal time.
Personal insurance made simple
Home, auto, and flood protection for Florida residents
Florida families need insurance that accounts for real local conditions, from coastal wind exposure to inland flood zones and busy highways. We offer personal insurance options that help you protect your home, vehicles, and personal liability with clear guidance on deductibles, coverage limits, and bundling opportunities.
Whether you own a house in Mandarin, a condo near the beaches, or you’re commuting daily through I-95 and I-4 traffic, we’ll help you line up coverage that fits the way you live.
Why clients work with us
Independent, local, and built on relationships
GM Insurance Underwriters has grown through referrals because we stay involved in the community and stay responsive when clients need help. You get access to multiple carriers, straight talk about your options, and a team that understands both Florida regulations and Florida realities.
If your business changes, your crew expands, or your family’s needs shift, we’re here to review and adjust coverage so it stays aligned with your goals.
Common questions we hear from Florida clients
What parts of Florida do you serve?
We’re based in Jacksonville and work with clients statewide, including Central Florida, Tampa Bay, and South Florida. Most service can be handled quickly by phone or online.
Can you handle both business and personal insurance?
Yes. Many of our contractor and business clients also place their home, auto, flood, and umbrella policies with us for consistency and convenience.
How do I get a quote?
You can call, send a request through our contact form, or book an appointment directly with an agent.