Property coverage built for the toughest markets.
Commercial property is the core of what we do. From Florida's coastal wind and flood exposure to complex risks across the country, PRA structures and places property programs for mid-to-large businesses — with the carrier access and capacity that off-the-shelf coverage can't reach.
Illustrative "shared & layered" structure. We build the tower around your actual total insured value (TIV), wind, and flood exposure.
Property is where Florida gets hard.
In Florida, commercial property is the toughest line to place well — coastal wind, flood, rising replacement costs, and tight carrier capacity make valuation and program structure make-or-break. A schedule that's underinsured or poorly layered can leave a business exposed exactly when it matters most.
PRA is a full-service, independent agency, and property is our primary focus. Cutting our teeth in the country's most demanding coastal market means we get your total insured value and exposures right — then design and market the program to carriers with real appetite, whether your locations are in Florida or spread across the country.
Around that property core, we place the full commercial program — liability, auto, workers' comp, and management lines — so every policy works together.
Property programs, done right.
From a single building to a multi-location schedule, we structure property coverage around accurate values and real-world catastrophe exposure — then place it with the carriers who have capacity for it.
Request a property reviewHigh-value schedules often need "shared & layered" programs across multiple carriers to reach full total insured value (TIV). We handle wind and hurricane deductible structuring, valuation and appraisal support, and securing capacity in a hard market — for locations in Florida, across the Gulf and East Coast, and nationwide — so your limits actually hold up when a storm hits.
The full commercial lineup, around your property core
Property rarely stands alone. We place the liability, workforce, and management lines that complete your program — structured to work together, not in silos.
Casualty & Liability
Management, Professional & Specialty
Industries we know well
Deep familiarity with Florida's business landscape and coastal risk — with the carrier reach to serve mid-to-large businesses across the country.
A disciplined approach to your program
The same process on every account, whether it's a single line or a complex layered tower.
Discovery
We learn your operations, contracts, assets, and exposures — the full picture behind the risk.
Program design
We map coverage lines, limits, and structure to your actual exposures and requirements.
Marketing
We leverage carrier relationships to compete your program for the best terms and pricing.
Placement
We review options with you, bind coverage, and confirm every detail is in order.
Ongoing service
Regular reviews, mid-term support, renewals, and direct claims advocacy year-round.
What sets our commercial practice apart
Institutional carrier access
Relationships with the world's preeminent insurance companies mean your program is competed among carriers who want your business.
High-TIV & catastrophe structuring
We build shared & layered property towers, structure wind and flood correctly, and get valuation right — so your limits hold up when a storm hits.
A dedicated account team
You work with specialists who know your file, your industry, and your history — not a rotating call center.
Proactive coverage reviews
Comprehensive reviews on a regular basis keep your program current as your business grows and changes.
Claims advocacy that shows up
When a claim happens, we advocate on your behalf and work to secure the outcome your policy intends.
Independent & conflict-free
As an independent agency, our recommendation is driven by your interests — not a single carrier's quota.
Schedule a commercial property review.
Share a few details — including your renewal date if you have one — and a PRA specialist will review your property program and outline next steps. No obligation.
- A review of your current values, limits, and deductibles
- Where you may be underinsured, overexposed, or poorly layered
- Access to competitive property, wind, and flood markets
- A dedicated point of contact from day one