WELCOME TO COMBINED UNDERWRITERS OF MIAMI

Thank you for visiting us. At Combined Underwriters of Miami, our goal is to meet all your insurance needs and make the process as easy and convenient as possible. With highly competitive rates and superior customer service, we’ll find the policy that is right for you. Located in the heart of South Florida, we are conveniently located to offer you personal, one-on-one assistance. Let’s work together to determine the insurance program that is both effective and economical, while offering you security and peace of mind.

Have a wonderful Thanksgiving!

Hurricane Preparedness

Hurricanes can shatter lives as well as damage property. Being prepared can help you, your family or your business minimize the impact of the storm. The best time to start is before the threat is imminent.

www.ready.gov explains what actions to take on this page when you receive a hurricane watch or warning alert from the National Weather Service for your local area. It also provides tips on what to do before, during, and after a hurricane.

Combined Underwriters has taken precautionary steps and has contingency back-up plans to serve our clients through a catastrophic events. We want to assure you that we will be ready to serve you should you suffer a loss to your insured property. The following information will be helpful as you prepare and plan for the effects of a Hurricane.

  • Most importantly, remain safe and do not take any unnecessary risks.
  • Review Coverage limits and deductibles.
  • Have policy number(s) available.
  • Make note of time & date of incident and assess damages.
  • Make temporary repairs as necessary to protect your property from additional loss and keep detailed receipts.
  • Take photos of any damage before any temporary repairs are undertaken and later provide them to the claims adjuster.
  • Report claims as soon as safely possible using one of the methods listed below
  • Obtain written estimates from only licensed and insured contractors for permanent repairs which include details of the scope and cost of the work.
  • Provide the estimates to the claims adjuster.
  • Do not sign any contracts or documents for any permanent repairs or begin work without first communicating with the claims adjuster. Be especially wary of “Assignment of Benefits” forms that many contractors and restoration companies use.

    Combined Underwriters will be staffed and working immediately once the storm passes and the authorities have deemed it safe to return.

To report a claim

Phone reporting to agency:
Combined Underwriters (305) 477-0444

Online: www.combinedmiami.com

Direct to the Insurance Company: Refer to your policy documents for claims reporting instructions via phone or online.

Thank you for your trust and please remember to be safe.


To our valued clients and partners:

We are all settling into what everyone is calling “our new normal” during this pandemic crisis. Even though none of us can foresee how long we’ll be facing this challenge, we can feel secure in the fact that our country is resilient and we will come through this stronger than ever.

Even though most of us have set up shop remotely, we are working together and staying connected to ensure that we stay in contact with our clients, companies and brokers to seamlessly provide the caliber of service you have come to expect from our agency.

Staying safe and informed should be a priority for every one of us, but we take our responsibility to you seriously and will continue to be available by whatever means is convenient. You can call, email or fax and we’ll be there without fail.

Thank you for doing business with Combined Underwriters. We won’t let you down.

Sincerely,

  • Ronald M. Laster
  • Susan Sanchez-Armengol
  • Rosa M “Nia” Yasher

Loss of Business Income Coverage

Policyholders may be questioning whether their property insurance policies have coverage for business interruption losses that may exist even if there is not physical loss or damage to covered property.

In most property insurance policies, business interruption coverage is triggered when the property at issue suffers “direct physical loss or damage.”  For coverage there must be Structural damage to the property.  Other reasons that Companies may suffer a loss of income could be from contamination or other relatively intangible conditions like bacteria, gases, and fumes that “rendered the insured property temporarily or permanently unusable or uninhabitable. Losses for communicable disease are likely excluded from coverage, however we always recommend for the insured to review their policy for terms and conditions. Additionally, a few insurance policies may include civil authority coverage, which covers losses that occur when government authorities restrict access to the area where a business is located or that the business depends on for its operations.

Workers Compensation

Workers compensation insurance policies generally cover occupational diseases and injuries, i.e., those that: (1) are due to causes and conditions that are characteristic of and peculiar to a particular trade, occupation, or employment; and (2) are not an ordinary disease to which the general public is equally exposed outside of employment.

There are, however, instances in which “ordinary diseases” may be covered if it is possible to establish a direct connection between the workplace and the circumstances through which the disease was contracted. For example, if an illness is triggered by an event at the workplace and directly flows from the work that is being performed, it may be argued that the resulting disease has been the result of an accident causing bodily injury. The coronavirus is spread by respiratory droplets and is so highly contagious that health care workers are wearing full hazmat suits while treating those infected. Accordingly, if it is determined that an employee contracted the virus at work, it is quite likely that workers compensation insurance would respond to the injury. Of course, in such a situation, the business’s primary concern would be protection of its employees and the public from any other contraction of the disease, with insurance issues to be resolved in due course.

It is important for policyholders to consider all potentially applicable insurance policies when evaluating coverage for coronavirus- related claims and losses. Consulting with Combined Underwriters of Miami, your trusted insurance expert can put policyholders in the strongest position to maximize their insurance recovery in the event of a loss or claim resulting from the coronavirus.

Our Carriers

Below are some of the many Companies we partner with to offer you individualized insurance plans that are both effective and economical.

  • Aetna
  • Avmed
  • Blue Cross Blue Shield
  • Chubb
  • Cigna
  • C.N.A.
  • Granada
  • Hartford
  • Humana
  • Infinity
  • London Companies
  • Progressive
  • Travelers
  • United Healthcare
  • Universal
  • Zurich

About US

For over thirty years, Combined Underwriters of Miami has been a leader in insurance, servicing the South Florida area. As an independent insurance agency, Combined Underwriters offers a variety of insurance and employee benefit products to assist commercial business organizations, governmental and institutional organizations, condominium and homeowners associations and individual clients. Headquartered in the Doral Area we are locally available to service your insurance needs.

Combined Underwriters prides itself on highly competitive insurance rates and superior service to its clients. We operate with respect, loyalty, integrity and commitment. Our clients are held in the highest priority and we guarantee a superior class of service by keeping our door of communication open. As insurance professionals, we understand that insurance coverage’s must be individualized for each client’s needs and demands. By working closely together with you, we strive to achieve an insurance program that is both effective and economical. Our goal is to give you security and peace
of mind.

Products And Services

PERSONAL INSURANCE
Combined Underwriters prides itself in providing comprehensive insurance packages to assist our individual clients in all their personal insurance needs. We have a large pool of companies which provide A rated coverages when it comes to protecting your home, apartment unit, condominium unit, rental, automobile, watercraft, motorcycle and collectibles.

We understand your concerns and the importance in making sure that your family is protected from hurricanes, thefts and all other covered losses, which can impact South Floridians. Our process is hands on and stress free. We want you to spend your free time not worrying about insurance, but enjoying life.

COMMERCIAL INSURANCE
Through experience, continuing education and online updates, our agents stay up to date with the latest products to insure that you are offered the most comprehensive, affordable policies in the market place.

Examples of successful insurance placements are:
•Personal and Commercial Condominiums

•Apartment Buildings

•Hotels

•Restaurants

•Shopping Centers

•Warehouses

•Small Business Owners

•Contractors

•Engineers and Architects

•Gas Stations

•Daycares

•Wholesale and Retail Operations

•Freight Forwarders

•And many more…

With access to several admitted insurance companies, such as Travelers and Zurich, and over 100 A rated excess and surplus lines insurance companies, our professional staff will work hand in hand with you to tailor an insurance package suited for all you commercial needs. From Property, including Flood and Glass, General Liability, Workers Compensation, Commercial Automobile and other forms of coverage, an agent will formulate the package most comprehensive for your budget. We have the knowledge and skills in the insurance industry to help you make the best decisions when it comes to protecting your assets.

HEALTH & LIFE INSURANCE
With so many different options for health and life insurance plans available, how do you know which plan is right for you? Combined Underwriters of Miami’s health and life insurance department provides the broadest range of insurance companies and benefit programs available. We are specifically dedicated to offer the coverage you need, with the service you expect, at a price you can afford. Whether you are a business, individual, family member or recent graduate; we will make sure that you are offered the best options available for your specific needs.

EMPLOYEE BENEFITS
There are a number of employee benefits available for employers to choose from. These benefits can include health plans, disability benefits, life insurance options and retirement benefits. At Combined Underwriters, we will personally meet with you to discuss what options are best for your Company. We will analyze your company structure, employees and funding available to develop the best plans to satisfy both you and your employees.

Contact us

Combined Underwriters of Miami

Mailing Address:
PO Box 528020
Miami, FL 33152

Physical Address:
8240 NW 52 Terrace, Suite 408
Miami, FL 33166

Phone: 305.477.0444
Fax: 305.599.2343
Email: info@combinedmiami.com