A licensed agent shops your coverage across 50+ carriers and comes back with quotes that fit. One conversation, no forms marathon.
Most people buy insurance by filling out the same forms three times and taking whichever quote calls back first. We think that’s backwards. Tell us what you need once, and a licensed agent shops it across 50+ carriers, reads the fine print, and comes back with coverage that actually fits.
or call 305-332-0081
Takes about three minutes. No obligation.
Sinai Coverage LLC is an independent insurance agency, not an insurer. Serving all 50 states.
One short application, about three minutes. We only ask what a licensed agent actually needs to quote you. No account, no credit card, no phone tag.
Your file goes to the 50+ carriers we work with. We compare what comes back on price and on what's actually covered, and if something needs more underwriting time, we tell you where it stands.
Quotes back, on average, within 24 hours. Choose the one that fits, we bind it in writing, and from that day on you have a person to call.²
Get a QuoteCommercial and personal lines, shopped the same way: you tell us once, we take it to 50+ carriers, and a licensed agent reads the fine print so you don’t have to.
Send us the policy you have now. We shop it across the carriers we work with and tell you straight: there’s a better deal, there’s a gap worth closing, or you’re in good shape right where you are.¹If it’s the last one, we’ll say so. Five minutes, no hard feelings.
Get a Second OpinionWhat a review covers
The price
What the same coverage runs at the other carriers we can place it with.
The limits
Whether they've kept up with the business they're supposed to protect.
The exclusions
The fine print that decides a claim, read now instead of after.
The deductibles
Whether what you'd pay out of pocket still makes sense for the premium you're paying.
Not a claims hotline, not a hold queue. Us. We stay on the adjuster, push the paperwork, and argue your side until it’s resolved. Here’s the kind of moment a policy exists for.
A soaked entry mat on a rainy afternoon, a fractured wrist, and a demand letter a few weeks later asking for medical bills and lost wages. General liability is built for this: the policy assigns a defense attorney, handles the negotiation, and pays a covered settlement up to the limit. The owner's part is usually the deductible and a few phone calls.
Read about General LiabilityA grease fire spreads through the prep area after closing, and the fire marshal shuts the building for repairs that take months. A business owner's policy covers the rebuild and the destroyed equipment, and its business income coverage replaces a portion of what the café would have earned while it was dark, with rent still due the whole time.
Read about Business Owner's PolicyNo, and that's the point. We're an independent agency, which means we work for you, not for a carrier. We take your application to the 50+ insurance companies we work with, bring back quotes, and stay your point of contact for everything after. The policy itself is issued by the carrier you choose.
You can switch any time. Cancel mid-term and the unused premium comes back to you, though some policies carry a short-rate penalty or a minimum earned premium. We check for that before you move a dollar. Sometimes the cleanest move is lining up the new policy to start at renewal, and we'll tell you which applies to yours.
Because pricing depends on how your business is presented: class codes, payroll splits, deductibles, limits. A sloppy classification costs you at quoting and again at audit. Presenting your risk correctly is most of what a good agent does, and it's the part you never see.
For most businesses: what you do, rough payroll and revenue, and your current declarations page if you're insured now. If you've had claims, loss runs help us place you well. The basics take about three minutes.
Policies priced on payroll, like workers comp and general liability, get audited at year end. If actual payroll ran over the estimate, you owe the difference. If it ran under, you get money back. We set honest estimates up front so the audit is a formality, not a surprise bill.
As soon as you accept a quote and confirm payment, we bind. Coverage is official when a licensed agent confirms it in writing, and certificates for your landlord or GC go out right after.
Still deciding? Get a Quote
Workers comp premium is payroll divided by 100, times your class code rate, times your experience modifier. Here is what each piece means and which ones you can actually change.
Read the article
A business owner's policy bundles general liability with commercial property coverage. Here is how the two compare, what each costs, and how to pick.
Read the articleMost states require workers comp the moment your LLC has an employee. Here is when it applies, when owners are exempt, and why many exempt owners buy it anyway.
Read the articleThree minutes to tell us what you need. A licensed agent shops the market, quotes come back usually within a day, and the moment you say yes, we bind it in writing. That’s the whole process.
or call 305-332-0081
