# Everisk Insurance Programs Inc\. > Defining Opportunities\. Building Success\. ## At a glance | Field | Value | | --- | --- | | Type | MGA | | Region | NA | | Headquarters | Doral, Florida, USA | | Founded | 2015 | | Stage | Startup | | Employees | 1-50 | ## Overview Everisk Insurance Programs is a commercial lines and specialty programs MGA distributing through independent insurance agents and brokers across the United States. Founded in 2015 and headquartered in Doral, Florida, the company operates as an intermediary between retail agents and top-rated carriers, focusing on niche and hard-to-place risks. The company underwrites commercial lines, professional and management liability, employee benefits, and specialty programs. Coverage offerings include Business Owners Policy, contractors general liability, commercial auto, motor truck cargo, professional liability, EPLI, directors and officers, workers compensation, and non-profit insurance packages. Primary geographic markets include Florida, Texas, and California for select product lines. Everisk serves independent agents ranging from large firms seeking specialty niches to smaller agencies expanding their market access. CEO and President Javier Naranjo leads the firm, bringing over 18 years of insurance industry experience including service as the 43rd President of the Latin American Association of Insurance Agencies (LAAIA). ## Products & services ### Business Owners Policy \(BOP\) Combines general liability and commercial property coverage for small and mid-size businesses. **Key features:** - General liability - Commercial property - Available in Florida, Texas, California *Target users:* Small and mid\-size commercial businesses in FL, TX, CA *Distribution:* Independent insurance agents and brokers ### Contractors General Liability Specialty general liability coverage for construction and contracting professionals. **Key features:** - Class code\-based classifications - Tailored for construction risks - Broad contractor classes accepted *Target users:* Contractors and construction professionals *Distribution:* Independent insurance agents and brokers ### Professional and Management Liability Suite of professional, management, and employment practices liability products. **Key features:** - Insurance agent errors and omissions - Professional liability \(multi\-industry\) - Employment practices liability \(EPLI\) - Directors and officers \(D&O\) *Target users:* Insurance professionals, corporate entities, and nonprofits in FL, TX, CA *Distribution:* Independent insurance agents and brokers ### Workers Compensation Statutory workers compensation coverage for employers. **Key features:** - Statutory benefits compliance - Available in FL, TX, CA *Target users:* Employers in Florida, Texas, and California *Distribution:* Independent insurance agents and brokers ### Non\-Profit Insurance Packages Bundled coverage packages for non-profit organizations in Florida. **Key features:** - General liability - Workers compensation - Commercial auto - Directors and officers *Target users:* Non\-profit organizations \(Florida\) *Distribution:* Independent insurance agents and brokers ### Commercial Auto and Motor Truck Cargo Commercial vehicle and cargo coverage for transportation-related risks. **Key features:** - Commercial auto \(FL\) - Motor truck cargo - Physical damage for commercial vehicles *Target users:* Commercial fleet operators and trucking companies, primarily Florida *Distribution:* Independent insurance agents and brokers ## Links - Website: - Directory profile: - About: - Mission: - Linkedin: - Products: --- *Last updated: 2026\-05\-12*