For several decades, southwest Florida has experienced unprecedented growth in the business sector. Since 1970, Gulfshore Insurance has been the agency of choice for thousands of southwest Florida businesses. Gulfshore's long time affiliation with many of the best insurance carriers in the industry allows us to work as consultants to our business clients and to offer sound risk management advice in addition to a full compliment of insurance products.

Our experienced office staff provides ongoing service throughout the policy term, which has lead to an annual customer retention ratio of more than 96%. While Gulfshore's Small Business Unit offers coverage-rich, streamlined, competitive products to many small businesses, the agency excels in working with larger, more complex businesses that require customized service and products.

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• Property, Liability, Commercial Auto, Workers' Compensation and Umbrella coverage
• Professional Liability coverage including D&O and EPLI
  Flood and Wind policies
• Customized risk management programs; safety programs; inventory and appraisal services
• Access to Professional Employer Organizations (PEO) for clients interested in the co-employment business model
• Employee benefits including Group Life and Health
• Special programs for the construction trade, country clubs, hotels and condominium associations

Gulfshore Risk Solutions was established in 2002 to respond to business clients with a need for professional and competent risk management services from a local source. So often, this service is only available through large insurance carriers who must bring in consultants from outside of the area. The quality of service is often sporadic and it is difficult for clients to establish the continuing relationship and support they seek. Gulfshore Risk Solutions offers clients full professional service and ongoing local support through the implementation process and beyond. Additionally, Gulfshore Risk Solutions will work with any business requiring risk management services whether or not that business has its insurance placed through Gulfshore Insurance Agency.

• Workers' Compensation claims management
• Risk financing and insurance alternatives
• Self-insurance programs
• Loss Control, claims management and dispute resolution
• Training and safety
• Evaluation of the total cost of risk
• Risk management outsourcing
• Employee benefits review and management

Overview: Gulfshore Human Capital Solutions was established in 2000 to meet the needs of business clients who want to take advantage of the benefits available through affiliating with a Professional Employer Organization. With the cost of employee benefits rising and the ever increasing complexity of labor laws, many businesses find that co-employment with a PEO helps to control costs, saves time and paperwork hassles, ensures professional compliance with state and federal laws and regulations and provides them with professional human resource services. Gulfshore Human Capital Solutions represents several PEOs including Advantec. To learn more about Advantec, click on www.advantecondemand.com.

• Employee Benefits including group Life and Health
• Workers' Compensation
• Claims Management for Workers' Comp & Unemployment Insurance
• Payroll processing
• Human Resource Services including employee handbooks, forms, policies and procedures

The key to protecting your personal assets in southwest Florida is working with an insurance agency that has the experience and markets to obtain the coverage you need. Gulfshore Insurance offers both. As one of the largest and most experienced insurance agencies in the area, we represent most of the insurance carriers that are open to writing business in southwest Florida where the threat of hurricanes often limits the options that residents have for Homeowners' Insurance. Gulfshore works for you to find a solid carrier and to obtain the flood and wind insurance so important to our clients.

• Special Program for clients with high property values
• Market search for hurricane-related coverage such as wind and flood
• Complete coverage for Auto, Boat, Personal Umbrella, Fine Arts, Jewelry, etc.
• Appraisal and Inventory service
• Complete account review
• Financial Products such as Annuities, Life, Long-Term Care insurance

Overview: As an agency devoted to protecting the assets of our clients, Gulfshore offers many products to individuals and businesses that want to build a strong financial foundation. Many clients wish to minimize the tax implications to their estates or eliminate financial burdens to their families should they ever require assisted living care. We offer a full range of Life Insurance products, Annuities, Long-term Care and Long-term Disability coverage to fit the lifestyle and needs of each of our clients. We also work with businesses that want to provide Employee Benefits (such as Group Life & Health) or need to protect the perpetuation of their businesses with Key Person Life Insurance and Buy-Sell Agreements. Gulfshore's Financial Services department will help you identify potential problems that could erode your financial base and then offer you the options available to safeguard your assets.

• Life Insurance; both individual and group
• Group Health Insurance
• Annuities
• Long-term Care Insurance
• Long & Short Term Disability; both individual and group
• Estate Planning
• Employee Benefits
• Key Person Life Protection

Overview: An insurance agency is only as good as the insurance carriers it represents. At Gulfshore Insurance, we are privileged to represent many of the best insurance carriers in the world offering you state of the art coverage and service. Our size and years in business have enabled us to establish these relationships and in turn, allow us to provide our clients with options that many insurance agencies cannot offer. Although we do business with well over 100 insurance carriers and brokers, the following is a partial list representing those carriers that we work most closely with:

Companies We Represent