Serving All of Florida

Stop Losing Jobs Waiting on Insurance

Most quotes ready in 15 minutes. Coverage often as fast as same day. Florida contractors and small business owners, get the right policy without the runaround.

FL Licensed (LI29711) Independent Multi-Carrier Broker Most Quotes in 15 Minutes Same-Day COIs Available

Get Your Free Quote

Tell us what you need. Most quotes ready in 15 minutes.

You walk away with a real quote and a clear answer on what coverage you need. Even if you don't go with us.

No spam. No obligation. We don't share your info.

500+ Policies bound
20+ Carriers we shop
All 67 Florida counties served
~12 min Average quote turnaround

We shop 20+ carriers to find your best rate, including:

Already Know What You Need? Get an Instant Quote

Commercial Quote (ePremium) Small Business Quote (Next)

Insurance for Every Florida Business

From general liability to commercial auto, we've got you covered with the right policy at competitive rates.

Cover Your Home and Family Too

We don't just write business. Most of our commercial clients bundle their personal coverage with us and save.

Bundle personal lines with your business policy and most clients save 10–15%.

Insurance Done Differently

Real People, Real Answers

When you call (754) 272-8705, you reach a real Florida-licensed agent. Not a call center. Not a chatbot. The same team that wrote your policy is the team that answers when something on your job changes.

We Shop the Market for You

We're independent, which means we shop multiple Florida carriers to find the right policy at a competitive rate. We're not tied to one company. Most quotes ready in 15 minutes. Same-day certificates of insurance when you need them.

Florida Focused

Based in Miramar, licensed across the entire state. About 60% of the policies we review have at least one issue worth fixing: too much coverage in one area, not enough in another, or a renewal that quietly drifted up.

Covered in 4 Simple Steps

No paperwork maze. No waiting weeks. Here's how we get you covered.

1

Tell Us What You Need

Call, text, or fill out the form.

~2 min
2

Get Your Quote

Most quotes ready before you finish your coffee.

~15 min
3

Review Together

We explain everything. Ask any question.

~10 min
4

Get Covered

Sign, pay, and get your COI in hand.

Same day
The Mutual Grid Insurance Group team
"We got tired of watching Florida contractors lose jobs because their broker couldn't issue a certificate fast enough. So we built the agency we wished we'd had when we were on the other side of the phone."

Mutual Grid is a team of Florida-licensed independent agents based in Miramar, working across the entire state. We're growing our roster to serve more contractors, small business owners, and families across Florida.

When you call Mutual Grid, you're not getting transferred to a call center. You're talking to a real agent who knows your policy, your business, and your name. We shop multiple Florida carriers to find you the right coverage at a competitive rate, and we'll tell you exactly what you actually need, whether you go with us or not.

The Mutual Grid Team

Steven Lewis Jr., Agent in Charge · Graham Morrison, Co-Manager · FL License #LI29711

Plus a growing roster of Florida-licensed agents serving the state.

Questions? We've Got Answers.

How fast can I get coverage?

Most policies can be bound the same day we receive your information. If you need a certificate of insurance for a job tomorrow, we can usually make that happen.

Do I need a contractor's license?

Not for all policies. We work with licensed and unlicensed contractors. Tell us your situation and we'll find the right coverage.

What if I'm not sure what coverage I need?

That's what we're here for. Call us and we'll walk through your business and figure out exactly what you need. No pressure, no obligation.

How is this different from my current broker?

Lots of brokers can get you a policy. What's different here is what happens after. You talk to the same person who wrote your policy when something changes on your job. We shop your renewal instead of letting it auto-renew at a higher rate. And we'll tell you when you're over-insured, not just when you need more coverage. Try us on a quote and see if the conversation feels different.

Ready to Get Covered?

Call now for your free quote. Most quotes ready in 15 minutes. Coverage often as fast as same day.

Call Now Get a Quote