• Need to solve a claims or loss control problem?
  • Want to place your employee benefit’s plan on a fee for service basis instead of commission?
  • Considering whether self-insurance is right for you?
  • Want someone to coordinate the bidding and analysis of insurance proposals?
  • Need help navigating through how healthcare reform impacts your business and bottom line?
  • Want to have your current coverage reviewed for possible gaps or mistakes in coverage?

Morris & Reynolds offers a range of services in its role as Advisors, Brokers and Consultants. We offer our client’s customized, unique, and innovative solutions to every conceivable insurance, employee benefit, claims, risk management and loss control need you might have. Some of the consulting services we offer include;

  • Alternative Funding (Self Insurance) Program Feasibility Study
  • Claims Management
  • Claim Audits & Monitoring
  • Complex Claim Consulting
  • Coordination & Review of Competitive Bidding (Requests for Proposals) for Insurance
  • Experience Modification Analysis & Testing
  • Employee Benefit Consulting
  • Fee For Service Consulting
  • Health Care Reform Consulting
  • Litigation Support & Expert Witness Testimony
  • Loss Control & Safety Program Analysis
  • Outsourced (Rent a Risk Manager) Corporate Risk Manager Services
  • Personal Risk Management
  • Replacement Cost Appraisals & Analysis
  • Risk Management Plans and On-Going Programs



For larger businesses with premiums of $ 1,000,000 or more per year it often makes sense to consider alternatives to standard insurance products. Some of the solutions that we can evaluate for you include:

  • Association Plans
  • Captive Insurance Companies
  • Loss sensitive rating plans
  • Retrospectively Rated Plans
  • Risk Retention Groups
  • Self-insurance
  • Self-Insured Retention Plans


Need to navigate through America’s Health care reform laws and survive? Morris & Reynolds can help. Whether you need to understand how these new laws will impact your business and its bottom line or want help in calculating the actual possible impact of reform we can assist.

We also offer our clients the SYNC | ACA “PAY OR PLAY” TAX CALCULATOR. Our SYNC | ACA “PAY OR PLAY” TAX CALCULATOR tool is a cutting edge technology solution that helps you understand how to navigate the complex waters of the ACA.


Many businesses do not have a designated risk manager. Instead, it can be common that a bookkeeper, treasurer, or personnel manager becomes your “risk manager” or “insurance person” by default. Few of these people have any formal insurance training or industry experience but find themselves in the role of insurance “expert” and buyer. Rarely s this an ideal situation.

Morris & Reynolds can provide professional risk management services to your business to dramatically improve your ability to identify risk and prepare an plan to manage them in the most cost efficient, long term, manner possible. Along the way we can also assist in arranging and structuring your insurance, negotiating the cost of coverage and even educating the people in your organization about the nuances of insurance and risk management techniques.


Morris & Reynolds can coordinate both your business and personal insurance programs. Many business owners also have substantial personal assets which must be protected. It is not uncommon to be able to gain efficiencies in coverage and cost, as well as symmetry in protection, when Personal and Commercial coverage’s are coordinated together. Morris & Reynolds can coordinate your personal insurance protection plan by preforming an:

  • Automobile Review (Including Antique, Classic, and High Value/Exotic Cars)
  • Homeowners Review (Including High-Valued primary residences, as well as secondary, seasonal and rental properties)
  • Inland Marine Schedules Review (Including Art, Jewelry and Fur Floaters, Golf Carts, Antiques, Collectibles and scheduled items)
  • Review of Miscellaneous Policies such as those on Motorcycles, 4-Wheelers and Other Exposures)
  • Watercraft Review (Including Jet Skis, Personal Watercraft and Yachts)
  • Umbrella/Excess Policies Review (Including an analysis of the gaps in your protection and limits you need)


Having a truly independent review of your current insurance protection and risk management program can often be ‘eye opening’. This can be viewed as a “Risk Management Audit”, or a benchmarking of the risk management program. Attention to these areas can mean increased regulatory compliance or any combination of these.

A range of services are available to meet your unique needs and can include, for example, analysis of the following areas:

  • Analysis of Actual Claims Experience
  • Analysis of Current Dividend Plan, With Specific Recommendations For Changes
  • Auditing of Claims and Evaluation of Reserves
  • Automobile Liability and Physical Damage Exposures
  • Coverage Options To Consider
  • Deductibles & Retentions
  • Experience Modification Review & Improvement Analysis
  • Evaluation of Claims Handling Personnel
  • Evaluation of Internal Claims Handling Procedures Limits of Liability
  • Property Values & Replacement Cost
  • Review of Claims Histories, Internal Controls & Loss Trends
  • Review of Insurers Current Claims Reserves
  • Safety and Loss Control Program Review & Implementation


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.


Every day we work to provide you with the very best coverage, care and solutions available. Our extensive range of professional services, designed to manage your risk and make you and your business more efficient, include:


Businesses change and evolve. Because of this, Morris & Reynolds conducts annual audits of your coverage and the exposures, risks and facts that your insurance is based upon. Working many months in advance of your renewal, we ensure that the coverage and exposures are current so that your renewal will progress as your business does.


Coverage such as workers compensation and general liability are based on estimated exposures that are then audited by the insurer after the policy year ends. Our team of experts is available to assist in the preparation of your audit or even conduct the audit with the insurer for you, to save you time and money.


We place an extreme emphasis on your claims. Morris & Reynolds employs licensed, professional insurance adjusters that manage your claims all year long with state of the art automation. Your assigned Claims Manager at Morris & Reynolds is your expert advocate, dedicated to resolving claims quickly and fairly. Whether it is a simple auto claim, a major fire, a devastating hurricane or a complex lawsuit, we will be right next to you doing our best to support you during what we know can be a traumatic time.


Morris & Reynolds represents hundreds of the world’s leading insurers, brokers, wholesalers, reinsurers and alternative risk related firms in the industry. As your agent, we aggressively seek solutions from all leading insurers in the marketplace and negotiate one insurer against another to arrange the best possible coverage and cost for you.


Protecting your business and bottom line through risk management and loss control can have a dramatic impact in lowering your insurance costs and risk related expenses. The risks that you face can come from a variety of sources including project failures, legal liabilities, natural disasters and even deliberate attacks. We proudly offer you best in class risk management and loss control that can help identify, control and manage the risks you face.


Success in reducing your risk and its associated costs are often found deep in the details of your coverage, claims and business. For this reason, Morris & Reynolds provides a range of detailed stewardship reports and analysis related to your coverage, options, performance, claims and other risk related metrics that are useful in constructing your Protection Plan and managing your risks.


Morris & Reynolds’ MyWave is a truly dynamic internet-based portal that delivers robust, time saving tools and information related to employee benefits, human resources and risk management. Simply log on to your customized homepage to find valuable detailed information as well as interactive postings.

Consulting Services
Claims Administration
Loss Control
Self Insurance Plans
Risk Management & Loss Control Services »
Protecting your business and bottom line through risk management and loss control can have a dramatic impact in lowering your insurance costs and risk related expenses.
OSHA to Increase Inspections »
This month’s issue focuses on the news that the Federal Government, via the Occupational Safety and Health Administration (OSHA), has announced that it will be more aggressively focusing on inspecting small and medium sized businesses to ensure that your workplace, and workers, are safe.
Texting & Driving is costly Business »
According to the National Safety Council, an estimated 200,000 crashes a year are caused by drivers who are texting.
Coinsurance – Insurance to Value Revisited »
The need to adequately insure property, whether it be commercial or personal, is one of the most fundamental concepts of insurance. Its importance is acknowledged by insureds, agents and brokers, and carriers alike.
Automobile & Trucks
Builder’s Risk
Business Interruption
Cargo & Equipment Coverage
Computers & Data
Contractor’s Equipment
Crime & Dishonesty
Cyber Liability
Directors & Officers Liability
Employment Practices Liability
Environmental & Pollution Risks
Equipment Rental & Sales
Executive Risks
Fiduciary Liability
Flood & Excess Flood
General Liability
Glass Insurance
Installation Floaters
International Global Risks
Kidnap & Ransom
Medical Diagnostic Equipment
Motor Truck Cargo
Ocean Cargo
Product Recall Liability
Professional Liability
Renewable Energy Equipment
Risk Management & Loss Control
Specialty Insurance Programs
Supply Chain Insurance
Surety Bonding
Umbrella & Excess Liability
Warehouse, Cargo & Logistics
Worker’s Compensation
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