Market Access That
Works for You
As an independent agency, Bulls Insurance Group has relationships across 30+ insurance markets in every line we write. That means real competition, honest recommendations, and the right policy — not the only policy.
Why an Independent Agency Beats a Captive Agent
The difference between one option and thirty — and why it matters for your coverage and your wallet.
We Work for You, Not a Carrier
Captive agents can only offer products from one company. We shop multiple markets to find the best match for your situation — price, coverage, and claims reputation.
Unbiased Recommendations
We have no quota to fill for any single market. When we recommend a policy, it's because it's genuinely the best fit — not because we're obligated to sell it.
Annual Re-Shopping
Your situation changes. Market rates change. We review your coverage and re-shop every year to make sure you're still on the best policy at the best price.
A-Rated Markets Only
We only place coverage with financially stable, A-rated (or better) carriers. When you file a claim, we need to know the market will be there to pay it.
Florida-Committed Insurers
Many national carriers have reduced or exited the Florida market. We maintain relationships with carriers who are committed to Florida — including specialists who only write Florida risks.
Claims Advocacy
When you have a claim, we're your advocate — not the carrier's. We help you document, file, and navigate every step of the process to get a fair settlement, fast.
Independent vs. Captive Agent
Here's exactly what changes when you work with an independent agency like Bulls Insurance.
Coverage Categories & Market Depth
We maintain relationships across every line of coverage we write — giving you real options in every category.
Property & Casualty
Homeowners, renters, flood, and dwelling coverage for Florida families and landlords.
- Florida-admitted homeowners specialists
- Windstorm & coastal property markets
- Standard and high-value home programs
- Federal flood program & private flood alternatives
- Renters and dwelling coverage
- Surplus lines for complex risks
Commercial & Specialty Lines
Contractors, trucking, marine, bonds, and commercial auto for Florida businesses.
- Commercial auto & fleet programs
- General liability for contractors
- Inland marine & tools/equipment
- Surety bond markets — all bond types
- Workers' compensation programs
- E&S markets for specialty risks
Medicare & Health
Medicare Advantage, Supplement, and Part D plans from top-rated carriers serving Florida.
- Medicare Advantage HMO & PPO plans
- Medicare Supplement (Medigap) Plan G, N & others
- Standalone Part D prescription plans
- Florida-strong Medicare networks
- DSNP & dual-eligible plans
- Low-income subsidy eligible plans
Life Insurance & Annuities
IUL policies, fixed & indexed annuities, and traditional life insurance for Florida families and business owners.
- Indexed Universal Life (IUL) programs
- Fixed indexed annuities
- Traditional fixed annuities
- Term life insurance
- Whole life & final expense
- Business succession & key person programs
Market availability varies by line of coverage, county, and risk profile. Contact us to discuss options for your specific situation.
Let Us Shop the Market for You
One conversation. We'll get quotes from multiple A-rated markets and show you a real comparison — price, coverage, and claims reputation side by side.