Business Details
34 Years
experience
Trusted Insurance Solutions in Coral Gables, FL
Founded in 1992, Garcia Lorenzo & Associates has built a reputation on personalized customer service and a commitment to excellence. Our agency combines over 60 years of collective experience in the insurance industry, offering tailored solutions for individuals and businesses. We specialize in identifying gaps or overlaps in coverage and providing written recommendations to ensure comprehensive protection. Our team prioritizes ethical practices, maintaining relationships with top-rated insurance carriers to deliver cost-effective products.With a focus on innovation and client education, we guide policyholders through the claims process while preserving the trust of our community. Our founders, Janet Lorenzo-Garcia and Jose Miguel Garcia, bring expertise from industry leaders like Allstate and Prudential, ensuring a deep understanding of complex insurance needs. By blending modern solutions with traditional values, we serve as a reliable partner for managing risk in an ever-changing landscape.
Services
Commercial General Liability
Workers Compensation
Commercial Auto
Commercial Property
Umbrella Coverage
Cyber Liability
Employee Benefits
Inland Marine Cargo
Life Insurance
Disability Products
Details
- Year established: 1992
Highlights and features
- We offer 60+ combined years of insurance expertise.
- Our team provides personalized coverage gap analysis.
- We partner exclusively with top-rated insurance carriers.
- Ethical, transparent guidance through complex claims processes.
- Customized solutions for small to medium business needs.
What people say
Efficient and knowledgeable
Second to none service
Highly recommend for insurance
Professional and reliable
Personalized attention
Services
Commercial General Liability
Commercial General Liability insurance safeguards businesses from claims of property damage, bodily injury, or reputational harm. Our policies cover legal costs and settlements arising from accidents at your workplace or caused by employees. We tailor coverage to protect assets while ensuring compliance with industry standards.
Workers Compensation
Workers' Compensation insurance provides medical benefits and wage replacement for job-related injuries. We help businesses meet Florida's legal requirements while offering guidance on claims management. Our solutions balance employee protection with cost-effective risk mitigation strategies for employers.
Commercial Auto
Commercial Auto insurance covers vehicles used for business purposes, including personal cars, vans, and trucks. We assess your operational needs to recommend appropriate liability and physical damage coverage. Policies ensure compliance with state regulations while protecting against accidents and property damage.
Employee Benefits
Our employee benefits programs include accident, disability, hospital, and life insurance options. We offer guaranteed-issue and simplified-issue policies with flexible enrollment. Employers receive no-cost, customizable portals to manage benefits while improving workforce retention through competitive coverage.
Umbrella Coverage
Commercial Umbrella insurance provides additional liability limits beyond standard policies. We design supplemental coverage to protect against catastrophic losses, ensuring business continuity during major claims. This cost-effective solution bridges gaps in general liability, auto, and property policies.
People
Janet Lorenzo-Garcia
Co-Founder
Co-founder with 45+ years of insurance experience since 1977. Former executive at Allstate and Mass Mutual, specializing in commercial risk management. Focuses on client education and ethical insurance practices.
Jose Miguel Garcia
Co-Founder
Co-founder bringing expertise from Prudential and other major carriers. Specializes in policy analysis and coverage optimization. Committed to personalized service and community-focused insurance solutions since 1977.
Questions
What commercial insurance products do you offer?
We provide commercial general liability, workers' compensation, auto, property, umbrella, cyber liability, and inland marine cargo coverage tailored to small and medium businesses.
How do you help businesses with coverage gaps?
Our team analyzes existing policies to identify gaps or overlaps, providing written recommendations and cost-effective solutions to ensure comprehensive protection.
What employee benefits programs are available?
We offer accident, disability, hospital, and life insurance options with guaranteed/simplified issue policies, electronic payroll deductions, and bilingual support for employers and employees.
How does your claims process work?
We provide direct guidance through the claims process, ensuring timely communication with carriers while advocating for fair, efficient resolutions to protect your business interests.
Are you affiliated with specific insurance carriers?
We partner with multiple top-rated insurance companies to offer competitive options, ensuring clients receive comprehensive coverage from trusted industry leaders.
Reviews (1)
Jose Alfonso
Dec 30, 2016
Report
The customer service in this agency is 2nd to none - totally incredible. A dying art in a world of self service agencies and unfulfilled promises.
