Your Partner in Protection
Insurance for Your Home, Your Family and Your Business.
Being your partner in protection means we work for you, not an insurance company. We compare insurance companies to get you the coverage you actually need at a price that makes sense, and we tell you about any gaps before you buy. Whether it's your home, auto, umbrella, life or business, or specialty coverage like trucking, contractors and builders risk, we're with you at every renewal. Hablamos español.
★ 5.0 on Google · Agents Licensed in 10 States
Call or text 239-799-5411 · Mon to Fri 8 AM to 5 PM
- IndependentMany insurance companies, one call
- Fast certificatesRequest one any time
- BilingualEnglish and Spanish
- Multi-stateAgents licensed in 10 states
Find Your Coverage
Personal, Business, Life and Specialty Insurance
Pick where to start. Each page explains your options and gets you to a quote.
Personal Insurance
Home, auto, flood, renters and condo, life and umbrella. When your insurer drops you or your rate jumps, we look at more than one company.
Explore Personal →Business & Commercial Insurance
Liability, property, workers comp, commercial auto, cyber and more for every kind of business, from a one-person shop to a fleet or a development project.
Explore Business →Life Insurance
Term, permanent and final expense coverage, plus key person and buy-sell coverage for business owners. We compare several companies for you.
Explore Life →Specialty Insurance
Trucking, contractors and builders risk, placed with insurance companies that know these risks.
Explore Specialty →Where We Work
Agents Licensed in Multiple States
We work with clients across every state where our agents are licensed, by phone, text and email. Tap a state to see what we write there.
States where our agents are licensed
Why J&D
A Dedicated Team Behind Every Account
Whether you run one truck or a hundred, one home or a portfolio, you get named people who know your account and pick up the phone.
Dedicated Account Manager
One point of contact for quotes, changes, certificates and renewals.
Many Insurance Companies, One Agency
Standard and specialty markets, so growing or hard-to-place risks have options.
Renewal Strategy
We start remarketing 90 days out, with loss runs and the story underwriters need.
Claims Support
We help you report it, keep you updated and answer your questions. The insurance company makes the final decision.
Get a Life Insurance Quote in Minutes
Protect your family's future. Tell us a little about you and we'll compare term and permanent options from several companies.
Start a Life QuoteLearn About Life InsuranceSpecialty Insurance
Coverage for Risks Most Agencies Pass On
Trucking, construction and development projects need insurance companies and coverage that standard policies don't offer. We place these risks every day and know what underwriters look for.
Trucking
From Your First Load to Your Fleet
New authority or years on the road, we shop the insurance companies that write trucking.
- New authorities and owner-operators
- Dump trucks, hotshots and small fleets
- Federal filings handled with your insurance company
Contractors
Coverage That Gets You on the Job
Every trade, from finish work to site development and underground utilities.
- General liability and workers comp
- Equipment, bonds and commercial auto
- Certificates for GCs, owners and lenders
Builders Risk
Protect the Project While It Goes Up
For contractors, developers and owners on ground-up and renovation work.
- The structure and materials on site
- Windstorm and named storm options
- Soft costs if a covered loss causes delays
How it works
Three Steps to a Quote
Tell Us What You Need
Two minutes online, or a call. Tell us what you want to insure and where, whether it's your home, your family or your business.
We Shop the Insurance Companies
We send your details to the insurance companies that fit what you're insuring and follow up with them for you.
Review It Together
We walk you through the options side by side and help you apply for the one you choose. Your coverage starts once the insurance company binds the policy.
Questions
Common Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Why use an independent agency?
A captive agent can only sell one company's policies. We work with several insurance companies, so when one raises your rate or won't write your trucks, we can take you somewhere else without you starting over.
How fast can I get a certificate?
Most certificate requests go out the same business day. Send the certificate holder's name and address and any wording the job requires.
My home insurance company dropped me. Can you help?
Yes. We work with several home insurers in each state we serve, so we can usually find another option. Send us your current declarations page and the non-renewal letter and we'll start shopping.
Can I bundle my home, auto and business?
We can quote them together. A bundle discount only applies when policies are with the same insurance company, and it varies by company and state, so we price both ways. We can review your business coverage at the same time.
Does requesting a quote mean I'm covered?
No. A quote request doesn't put coverage in place. Coverage starts only once the insurance company binds the policy, and binding requirements and timing vary by insurance company.