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