Commercial Insurance Broker Serving Miami and South Florida

An independently owned brokerage with access to top-rated carriers nationwide — bringing relationship-driven coverage to Miami businesses, families, and industry professionals.

Why Miami Businesses Choose an Independent Broker Over a National Firm

South Florida's business environment is unlike anywhere else in the country. The combination of coastal property exposure, hurricane risk, a dense and competitive commercial market, and an internationally connected economy creates insurance challenges that a one-size-fits-all approach cannot address. At MJM Global Insurance Brokerage Group, we work with Miami-area businesses not as a volume account to be managed, but as a client relationship to be built.

 

We have spent more than 30 years winning and retaining accounts that national brokers like Marsh and USI also pursue — not by undercutting on price, but by delivering more attentive service, broader market access, and coverage structures tailored to how each business actually operates. As an independently owned brokerage, we are not beholden to shareholders, private equity, or a preferred carrier list. That independence is what allows us to place your risk where it belongs, not where it is most convenient for us.

 

Our Miami office is located at 36 NE 1st Street, Suite 300, Miami, FL 33132. You can reach us directly at 305-503-1744.

Commercial Insurance Solutions Built for South Florida's Business Climate

Business insurance in Miami carries a distinct set of exposures — from windstorm and flood considerations for commercial property to the liability complexities that come with high-traffic hospitality, real estate, and international trade operations. We place coverage across the full spectrum of commercial lines, with the depth to handle both standard accounts and complex specialty risks.

 

Our commercial insurance capabilities for Miami-area businesses include:

 

  • Business Owners Policy (BOP) for small to mid-size commercial accounts
  • General liability, commercial property, and commercial umbrella coverage
  • Workers compensation and commercial auto insurance
  • Inland marine, equipment breakdown, and builders risk
  • Cyber liability, professional liability, and Directors& Officers (D&O) insurance
  • Employment Practices Liability (EPLI) and fiduciary liability
  • Environmental and pollution liability for contractors and industrial operations
  • Ocean cargo and marine insurance for import/export businesses
  • Surety bonds, trade credit insurance, and captive and alternative risk solutions

 

Whether you are a CFO reviewing a mid-market program or an owner placing coverage for the first time, we bring the same level of attention and market access to your account.

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Industries We Serve in the Miami Market

South Florida's economy spans an unusually wide range of industries, and our coverage bench reflects that breadth. MJM Global has placed commercial insurance for businesses across real estate, restaurants, hospitality, manufacturing, distribution, staffing agencies, technology companies, life sciences, retail, financial services, not-for-profit organizations, and auto body operations. If your business does not fit a standard category, our specialty lines access means we can still find the right placement.

 

We also serve the jewelry industry through our dedicated wholesale division at jewelerblock.com, providing Jewelers Block insurance to retailers, wholesalers, and manufacturers throughout Florida and nationwide.

Frequently Asked Questions About Business Insurance in Miami

  • What types of businesses does MJM Global work with in Miami?

    We work with a wide range of commercial clients in the Miami area, from small and mid-size businesses to companies with revenues up to $500 million. Our industry focus includes real estate, restaurants, manufacturing, distribution, technology, life sciences, staffing, retail, financial services, and more. We also serve high-net-worth individuals and families through our private client practice.

  • Does MJM Global offer South Florida commercial property insurance that accounts for hurricane and windstorm exposure?

    Yes. Commercial property in South Florida carries exposures that require careful carrier selection and policy structure. We work with top-rated insurers that write in the Florida market and help clients understand how wind, flood, and named storm coverage interact within their overall property program.

  • How is MJM Global different from a large national insurance broker?

    We are independently owned, which means we are not managed by private equity or tied to a preferred carrier arrangement. Our clients receive direct access to experienced brokers who know their accounts, and we compete directly against national firms for mid-market commercial business — and retain those clients because of the service relationship, not just the initial price.

  • Can MJM Global place specialty lines coverage for Miami businesses with complex risks?

    Yes. Our specialty lines capabilities include cyber liability, D&O, professional liability, technology E&O, EPLI, environmental and pollution liability, ocean cargo and marine insurance, trade credit, kidnap and ransom, and captive and alternative risk solutions. We have access to markets both domestically and abroad for risks that standard carriers will not write.

  • How do I get started with MJM Global's Miami office?

    You can reach our Miami office directly at 305-503-1744, or submit a proposal request through our website. We typically begin with a conversation about your current program, your business operations, and where you may have coverage gaps or market alternatives worth exploring. There is no obligation, and the first conversation costs you nothing.