We place an extreme emphasis on your claims. Morris & Reynolds’s proudly employs licensed, professional, insurance adjusters that manage your claims, analyze loss trends, seek payment from at fault parties and work to reduce your cost of risk. Our unmatched intellectual capacity in all areas of our business including claims leads to results and solutions that other brokers do not offer. Some of the claims oriented services provided by our firm include:


  • Claim Reporting
  • Claim resolution and settlement negotiations
  • Day to day management and intervention
  • Assist in sourcing and reviewing appraisals
  • Claim negotiations with at fault party’s and their insurer(s)
  • Fraudulent claim identification, tracking, management and solutions
  • Consultative reviews of contracts and leases
  • Class code re-assignment analysis


  • Stewardship updates with claim status, progress and next steps
  • Accident/loss statistical analysis
  • Historical and current claim reviews to develop action plans and next steps aimed at lowering future claim and risk costs
  • Strategic management or “open claims”, reserve advocacy and ongoing reviews to seek reductions and claim closure
  • Audit Insurer Investigations
  • Review and manage medical and litigation claim costs
  • Facility surveys for hazard identification in concern with risk managers and loss control initiatives
  • Development and implementation of innovative loss control programs
  • Development and implementation of return to work programs
  • Safety program development and execution


  • Best Practices Review
  • Detailed file review, adjuster supervision and directions to all involved in the claim settlement chain
  • Recognition of changes impacting reserves and whether they are accurate and adequate


  • Analysis, consulting and strategy review
  • Troubleshooting and intervention
  • Damage and cost control
  • Detailed file review, adjuster supervision and directions to all involved in the claim settlement chain
  • Mediation and pretrial preparation and participation
  • Cost containment litigation management
  • Negotiate resolution
  • Cost and damage control


  • Immediate responder resources
  • Facilitating advance claim payments
  • Offsite coordination of TEAM including; client, adjuster, consultant, forensic accountant, construction manager, insurers and others.
  • Assist with claims documentation
  • Proactive, aggressive, claim management from reporting to final settlement as well as any post claim supplemental adjustments.


Business insurance is our business. When it comes to your coverage and the risks your enterprise and people face we treat your business as if it were our very own. At Morris & Reynolds we offer a unique, hands on, passionate relationship with our clients that in most cases last decades because of the reliable, results oriented, solutions we provide from year to year. Some of the benefits of our business insurance work for our clients include;


Morris & Reynolds represents and has access to the entire market of leading insurers for all of the risks our business insurance client face. Many of our relationships with major insurers span decades and in some cases date to the founding of our firm in the 1950’s. We also take pride in representing cutting edge and emerging insurers from around the globe to structure the coverage, limits and costs you need and deserve.


Our dedicated professional people are your consultants, problem solvers and partners. We help assess your needs, evaluate solutions and suggest alternatives for your organization. We build a high level of familiarity with your company so we can offer the insights that satisfy your changing risk-financing needs. Some of our products and services include:

  • Alternative Risk Financing, including Captives and Risk-Sharing Pools
  • Claims Management & Administration
  • General Property and Casualty Insurance
  • Group Health Insurance & Employee Benefit’s
  • Malpractice and Errors & Omissions
  • Pension & Retirement Plans
  • Professional Liability including Directors and Officers and Employment Practices
  • Risk Management & Loss Control Services
  • Workers Compensation and Employers Liability


Your protection, goals and bottom line are our sole focus. The coverage and costs that we negotiate, in fact all we do, is focused on your protection needs, goals and bottom line. We are known as aggressive negotiators who have our clients’ best interest at heart. Always.

We also enjoy serving our clients in the most transparent manner possible and are happy to discuss and disclose our compensation and answer your questions about that important topic with you. Morris & Reynolds is a truly independent insurance agency and has been since 1950. Our focus is never on stockholders, stock prices or an insurance company preference but our clients’ goals, dreams and desires. Always.


Insurance is more than a legal contract, it’s your peace of mind. At Morris & Reynolds Insurance we take your protection, and peace of mind, to heart in all we do from the coverage we structure, the insurers we suggest and the day to day service and care we provide to our clients. When you need us most, we will always be there.


At Morris & Reynolds Insurance our clients receive the best of both worlds. We are well known for our ‘old fashioned, reliable and responsive service that dates to the founding of our agency in 1950. We are also known for employing cutting edge technology and offering the latest in coverage innovations and ideas to serve our clients’ ever evolving needs. Services such as The Protection Portal, Morris & Reynolds MyWave and the Morris & Reynolds Risk Management & Loss Prevention Services are just a few examples of our forward thinking approach to service.


Our Client Service Underwriters, Client Advocates and Professional Agents are deeply committed to their profession and career-long learning. Our award winning TEAM of professional people, the finest people in insurance, is unique to Morris & Reynolds Insurance. In order to offer our client’s the very finest results possible we constantly seek improvement by way of training, performance measurement and process reviews.

Our corporate office is an approved and certified testing site for the prestigious Insurance Institute of America and their curriculum is part of our ongoing TEAM educational efforts. Morris & Reynolds Insurance is proud of the awards that TEAM members have received from a variety of industry associations and insurers, including the Florida Agent of the Year, The National Agent of the Year and The Customer Service Representative of the Year Honors to name a few.

Trusted Insurance

"Savings & Service Has Been Our Policy Since 1950"
14821 South Dixie Highway, Miami, Florida 33176
P 305.238.1000 | F 305.255.9643
E info@morrisandreynolds.com

Independent agent