Clients with assets in excess of $10,000,000 typically have unique needs that cannot be addressed by the average insurance company, agency, or agent. This is truly where a personal insurance program becomes a risk management program. A client in need of these services usually works closely with several advisors to protect their wealth but often the insurance program is not managed by an agent with the experience, knowledge, and advanced education it requires to handle this type of insurance portfolio. The agency owner and principal, Nicole Allen has over 20 years of insurance experience with 12 years focused soley on the needs of clients in the high-net worth space. After obtaining her bachelors degree, she continued her advanced insurance education beyond the required state licenses earning her CPCU to be able to offer clients a higher level perspective of their program and better representation in the insurance marketplace. If your insurance program includes homeowners insurance for property(ies) with a replacement value over $500,000, multi-state exposures, multiple cars, excess liability, jewelry, and a complex estate plan in place including trusts, LLC's, and/or multi-generational accounts, you should have a dedicated professional involved to ensure you have the coverage you expect before you have a loss. Our services begin with a highly- confidential, full analysis of your existing program with additional market options and recommendations. After becoming a private client with Clear Choice, Nicole will work with you directly throughout the year to provide insurance expertise as your risks and needs change. When your program is due to renew, she will conduct an in-person review of your program to ensure everything is current, accurate, and still relevant to your risk exposure.
Ask your agent how long they have been placing property and casualty business in Florida. Experience is one of the most valuable assets a professional in any field can offer and it can only be gained over time. The agency principal and owner of Clear Choice, Nicole Allen has over 20 years of insurance experience and an advanced insurance education. She graduated from FAU with a bachelor's degree in 1999 and obtained her full agent licenses in Property & Casualty, and Life, Health, and Annuities shortly thereafter. Nicole continued her education in the insurance field earning her Chartered Property and Casualty Underwriter designation, considered one of the most prestigious in the industry. She has experience in retirement planning with variable investment products, mortgages, commercial and personal lines insurance, large scale construction insurance, and life insurance. In 2017 Nicole obtained her real estate license to enable her to handle the buying and selling of her investment properties. Eventually she began providing real estate services to her own insurance clients and now offers advice and expertise in both disciplines. She has worked with nationally known captive agencies to a Fortune 500 international brokerage specializing in helping high-net worth clients and families in all 50 states. Today Nicole enjoys using her knowledge and expertise to help a wide range of clients as a trusted insurance advisor, estate planner, and real estate professional in the complicated Florida insurance and real estate market. She continues to pursue advanced designations in both disciplines and is currently working to obtain her Series 65 to expand her services to provide investment advisory services.
An agent who sells and services all lines of property and casualty insurance (i.e., homeowners insurance rance, car insurance) in Florida without the supervision of another is required to have a 220- General Lines License. Are you working with a 220 licensed agent?
Property & casualty insurance is a complicated profession so the person you are trusting for coverage advice should be reliable, trustworthy, and professional. Do they return phone calls? Are they proactive or reactive?
We offer standard market and excess & surplus lines options for all types of homes and condos throughout the state of FL. If you have a personal portfolio of insurance that exceeds $15,000 in premium we are able to accommodate placements throughout the U.S.
We can provide quotes and coverage recommendations for personal auto insurance through Progressive, MetLife, Travelers, and Safeco. These are all A-rated carriers that have been in business for decades and are known for their exceptional claims and customer service.
We offer umbrella options for clients needing to protect themselves and their loved ones above and beyond their standard auto and home liability limits.
Your average home insurance policy does not provide adequate coverage for high-valued items that can appreciate over time and/or have a higher exposure to risk. We offer policies that will cover you for these exposures more adequately.
Just because you are a tenant does not mean you can't experience loss. Renter's insurance is an inexpensive way to protect yourself for liability and protect your belongings from accidents.
We can provide quotes and coverage recommendations for car insurance through Progressive, MetLife, Travelers, and Safeco. These are all A-rated carriers that have been in business for decades and are known for their exceptional claims and customer service.