# Bettr Coverage

> Independent commercial insurance agency serving Georgia, Florida, South Carolina, North Carolina, and Tennessee. 19 carriers across admitted and excess & surplus (E&S) markets. Specializes in hard-to-place risks: high-mod contractors, coastal property, tree service, trucking with CSA issues, restaurants with recent losses.

Licensed agent: Winfield Lee · winfield@bettrcoverage.com
Licensed states: GA (resident) · FL · SC · NC · TN
Target client: businesses $1M–$50M revenue, under 100 employees, $40K–$250K annual premium
Carriers (standard admitted): Acuity, The Hartford, Hanover, AmTrust, Travelers, Frankenmuth, Cincinnati, Auto-Owners, Grange, Southern Trust, Summit, Keystone National, Liberty Mutual
Carriers (E&S wholesalers): Amwins, Jencap, RT Specialty, Johnston & Johnston, Wholesure, XS Brokers

## Coverage by industry

- [Contractor Insurance](https://bettrcoverage.com/contractor-insurance/): GL, WC, inland marine, builders risk, commercial auto for GCs, subs, specialty trades. GDOT/FDOT/DOT-compliant programs.
- [Trucking Insurance](https://bettrcoverage.com/trucking-insurance/): Primary liability, physical damage, cargo, trailer interchange. FMCSA MCS-90 filings. Owner-operators to 100-truck fleets.
- [HOA & Condo Insurance](https://bettrcoverage.com/hoa-condo-insurance/): Master property, D&O, wind/flood for associations — particularly Florida SB-1028 compliance.
- [Restaurant Insurance](https://bettrcoverage.com/restaurant-insurance/): BOP, liquor liability, WC, spoilage for full-service, QSR, bars, food trucks.
- [Church Insurance](https://bettrcoverage.com/church-insurance/): Property, GL, sexual misconduct, D&O for churches, schools, camps, ministries.
- [Tree Service Insurance](https://bettrcoverage.com/tree-service-insurance/): High-hazard GL + WC placement through E&S markets.
- [Workers Comp Insurance](https://bettrcoverage.com/workers-comp-insurance/): Ghost policies, high-mod placement, pay-as-you-go.
- [Coastal Property Insurance](https://bettrcoverage.com/coastal-property-insurance/): Wind, named-storm deductible structuring for Gulf/Atlantic coastal commercial.
- [Food Manufacturing Insurance](https://bettrcoverage.com/food-manufacturing-insurance/): Product recall, contamination, general liability for processors.

## Coverage by state

- [Georgia Commercial Insurance](https://bettrcoverage.com/georgia-commercial-insurance/)
- [Florida Commercial Insurance](https://bettrcoverage.com/florida-commercial-insurance/)
- [South Carolina Commercial Insurance](https://bettrcoverage.com/south-carolina-commercial-insurance/)
- [North Carolina Commercial Insurance](https://bettrcoverage.com/north-carolina-commercial-insurance/)
- [Tennessee Commercial Insurance](https://bettrcoverage.com/tennessee-commercial-insurance/)

## Research & insights

- [Research library (InsuranceAnswers.ai)](https://insuranceanswers.ai) — sister research site publishing in-depth commercial insurance analysis
- [Bettr Coverage blog](https://bettrcoverage.com/blog/)

## Get a quote

Email winfield@bettrcoverage.com with your current dec pages. Turnaround: 48 hours to submission-ready, 3–5 business days for carrier quotes, same-day binding.