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100+ Carriers, Wholesalers & PEOs for Florida P&C Agents

Stop losing clients to “not in our appetite.” Trustshield agents quote across 100+ admitted carriers, surplus-lines wholesalers, MGAs, and PEO partners — so the answer is “yes” far more often.

  • Admitted, E&S, and specialty markets
  • Wholesaler & MGA access for hard-to-place risks
  • PEO partners for workers’ comp + payroll
  • Personal and commercial lines under one roof

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Key facts

Trustshield Insurance gives its agents access to 100+ insurance markets: national and regional admitted carriers, surplus-lines wholesalers, MGAs, and PEO partners. That lets a Florida agent place standard, coastal, high-hazard, and hard-to-place property & casualty risks from one independent agency.

  • Agency type: Independent property & casualty agency (no life or health)
  • Headquarters: Jupiter, Florida — recruiting Florida agents first, open to other states
  • Market access: 100+ carriers, wholesalers, MGAs, and PEO partners
  • Lines: All personal and commercial P&C lines, including hard-to-place risks
  • Compensation: Competitive, transparent commission splits
  • Contact: (561) 943-0434 · Apply online

Last updated:

100+

Carriers, wholesalers & PEOs

4

Placement paths per risk

All P&C

Personal + commercial

87.7%

Commercial premium via independents*

How one submission finds a home

Florida’s property market punishes agents with thin carrier lists. Every non-renewal, roof-age rule, or appetite change is a chance to lose a client — unless you have somewhere else to go.

The Trustshield placement path Risks move from admitted carriers to wholesalers and MGAs, then to excess and surplus lines, with PEO partners available for workers’ compensation and payroll, so nearly every risk finds a home. 1 · Admitted Best price, standardforms & FIGA backing 2 · Wholesalers/MGAs Program business &niche appetites 3 · E&S markets Coastal, older roofs,high-hazard classes 4 · Placed Client keepscoverage — and you PEO partner track (runs alongside) Hard-to-place workers’ comp or a client who also needs payroll, HR, and benefits? Route it to a PEO partner — keep the P&C package with you and add a stickier relationship. WC + Payrollvia PEO partners
One submission, four doors. A single-carrier agent stops at door #1; a Trustshield agent keeps going until the risk is placed.

What’s in the Trustshield market lineup

Our access spans national names — including carriers such as Travelers, The Hartford, Liberty Mutual, CNA, AmTrust, Chubb, Nationwide, Berkshire Hathaway, and ICW Group — plus the regional, wholesale, and PEO partners that make the difference in Florida.

National admitted carriersStandard personal & commercial
Regional & Florida carriersLocal property appetite
Surplus-lines wholesalersE&S and hard-to-place
MGAs & program managersNiche classes and programs
Digital small-commercial marketsFast BOP, GL, WC quotes
Flood & private floodNFIP and private options
Workers’ comp specialistsMonoline & high-hazard
PEO partnersWC + payroll + HR bundles
Specialty marketsCyber, E&O, marine, builders risk

Single carrier vs. 100+ markets: real scenarios

ScenarioSingle-carrier / captive agentTrustshield agent
Carrier non-renews a Florida home for roof ageClient leaves or goes to CitizensRe-market across admitted + E&S
Contractor needs GL + WC + commercial autoRefer out part of the accountWrite the whole account
Restaurant with a tough loss historyDeclinedWholesaler / MGA options
Growing business needs payroll + WCNot availablePEO partner solution
Rate increase at renewalExplain itShop it
Why it matters: Independent agencies placed 87.7% of U.S. commercial lines premium in 2025, and private flood utilization in the independent channel climbed to 52.6% (vs. a 47.4% five-year average). Market breadth is how independents win — and keep — accounts.
Agent reviewing workers compensation and payroll numbers

PEO partners: a secret weapon for commercial agents

Workers’ comp is often the hardest piece of a small-business account — new ventures, high-hazard class codes, or a rough experience mod. A Professional Employer Organization (PEO) can bundle workers’ comp with payroll, HR, and benefits.

Through Trustshield’s PEO relationships you can offer that solution while keeping the rest of the P&C package — GL, property, auto, umbrella — in your book.

  • Placement options for tough workers’ comp classes
  • Payroll + HR + benefits for growing clients
  • Stickier accounts with more touchpoints
  • Keep the P&C package with you

Carrier access FAQ

How many insurance carriers can Trustshield agents access?

Trustshield works with 100+ carriers, wholesalers, MGAs, and PEO partners across admitted, excess & surplus, and specialty markets.

Can I write hard-to-place Florida property?

Yes. When admitted carriers decline for roof age, coastal exposure, or loss history, Trustshield agents can market the risk through surplus-lines wholesalers and MGAs.

What is a PEO and why does it help P&C agents?

A Professional Employer Organization bundles workers’ compensation with payroll, HR, and benefits. It gives agents a solution for tough workers’ comp risks while keeping the rest of the commercial P&C account.

Do I need my own carrier appointments?

Talk with us about your situation. Market access through Trustshield is designed so you are not stuck chasing individual appointments and production minimums on your own.

Do you write life or health insurance?

No. Trustshield is property & casualty only — all personal and commercial P&C lines.

Sources: Big “I” 2025 Market Share Report (Insurance Journal, Jun 2026). Industry figures are for context only and are not a promise of individual results.

See what 100+ markets can do for your book

Tell us your state and what you write. We’ll walk you through the carrier, wholesaler, and PEO access available to you.

Get Market Access
Call (561) 943-0434