Most business owners don't know what they're missing — until it's too late. We represent 300+ markets worldwide to find coverage that your current agent simply can't access. Specializing in hard-to-place risks across the Southeast.
Most business owners go years without a proper risk review. Captive agents are limited to one carrier. Gaps go unnoticed — until a claim is denied.
Captive agents can only offer policies from their own company. You're not seeing the full market — or the best pricing.
From EPLI to cyber liability to proper umbrella limits — most policies have holes that only show up at claim time.
In tough markets like coastal property or certain contractor classes, many agents simply can't find a solution. We can.
Your business evolves. Your coverage should too. We conduct thorough reviews to make sure you're properly protected.
Click any industry to learn about common coverage gaps and how we protect businesses like yours.
No pressure, no obligation. Just a licensed agent who actually understands your industry.
Fill out our short form or reply to our email. Tell us about your business and current coverage.
A licensed agent calls you — no bots, no call centers. We review your current policies and identify gaps.
We shop your coverage across 300+ markets to find the best combination of price, coverage, and carrier strength.
You get a clear report showing your gaps and our recommended solutions. No obligation — just clarity.
Proudly headquartered in Georgia and serving businesses across five states.
We believe informed business owners make better decisions. Explore guides tailored to your world.
Named-storm deductibles, assignment of benefits reform, and carrier pullbacks are reshaping Florida property insurance. Many owners are carrying policies with massive gaps — especially on coastal assets and older buildings.
Get a property review →Paving companies, utility contractors, and anyone with DOT exposure face unique auto and GL risks. Standard markets often decline these classes — but surplus lines carriers specialize in them.
Talk to a specialist →Coastal associations are seeing 40-80% rate increases — some are losing coverage entirely. Student housing and apartments face similar challenges. Having access to specialty markets is no longer optional.
Find better options →Sexual abuse & molestation liability, directors & officers coverage, and event insurance are critical — and often overlooked. Your church needs coverage designed for the unique risks ministry faces.
Protect your ministry →A single contamination event can destroy a food business. Standard GL doesn't cover recall costs, lost revenue, or crisis management. Purpose-built food manufacturing policies do.
Review your coverage →Pollution liability, third-party property damage, and commercial auto for heavy trucks make waste services a hard class. Most standard carriers won't touch it. Specialty markets will.
Find your market →No commitment, no pressure. Fill out the form below and a licensed agent from Lee, Hill & Johnston will contact you within one business day to discuss your coverage.