Miami, Florida · Est. MMXXVI
Commercial insurance for real estate portfolios and family office holdings. We place property, liability, and specialty coverage across Florida through both admitted carriers and the surplus lines market — structured as one program, reviewed as one portfolio.
Family office portfolios · Sponsors & operators · Multi-entity schedules · Layered property programs
Request a portfolio reviewPractice
We write commercial real estate and nothing else. Owners come to us with one of two problems, and they are almost never the same problem.
Property held across a dozen entities and insured by whoever was handling it at the time. The exposure is rarely a missing policy. It is the seams between policies that nobody has ever read together.
Acquisition tempo the standard market struggles to match, and lenders who will not fund without evidence on their form, at their limits, before the wire goes out.
Coastal TIV, roof age, and loss history are why so much Florida commercial property ends up in the non-admitted market. Access to that market is the entire point of holding the license.
Coverage
Everything an income-producing property needs, structured as one program rather than assembled policy by policy.
Method
A portfolio assembled one closing at a time develops gaps that no single renewal ever surfaces: coverage duplicated at one address, a bare exposure at another, and definitions that contradict each other across contracts written by different carriers in different years. Finding them requires reading the policies against one another. We read all of them.
Every relationship begins with a full review of the schedule as it stands — entity by entity, address by address, with the voids ranked by what each one would cost in a claim.
The instrument behind the audit. Scores coverage from 300 to 800, ranks the gaps, and surfaces the cross-policy voids that only appear when two contracts are read side by side.
The scoring methodology is our own. A system and method for scoring operational risk, filed with the USPTO and currently in prosecution.
Standing
Portfolio owners are generally served one of two ways: by a national brokerage that assigns the relationship to an account manager three levels below the person who won it, or by a generalist agent placing a warehouse the same way they placed a food truck. Neither one reads the whole schedule.
I hold a Florida 2-20 general lines license and a surplus lines license, and I built the software that performs the audit. Paenula is deliberately small and deliberately narrow. You deal directly with the person doing the work, and the analysis you receive is the analysis I ran.
Accessum Postula
A statement of values, an entity list, and your renewal dates are enough to begin. You will get a written assessment back — not a discovery call.