Whether you own, operate or manage a high rise office complex, hospitality entertainment business, suburban warehouse development or all of these, the risks facing real estate businesses grow more complex by the day. Brick & Mortar exposures to fires and hurricanes sit side by side to more complex challenges including pollution liabilities, partnership and contractual obligations, and seemingly ever-stricter lender’s requirements. Morris & Reynolds Insurance has decades of experience in insuring real estate related risks.


Whether you own a single building or a portfolio of investment properties, Morris & Reynolds can assist. Examples of the types of businesses that we have deep experience with include;

  • Apartment & Habitational (apartment buildings, condominiums, homeowner’s associations);
  • Asset Managers;
  • Capital Partners, Lenders, Receivers;
  • Developers including Adaptive Reuse and all Ground-Up asset classes;
  • Governmental Agencies;
  • Hedge Fund and Private Equity ownership structures;
  • Hospitality and entertainment;
  • National and International Pension Fund Advisors;
  • Office (suburban to metropolitan high rise and all in-between);
  • Private and Public Partnerships;
  • Private and Public REITS;
  • Real estate investment trusts;
  • Real Estate Operating businesses;
  • REOCS;
  • Retail/Mercantile;
  • Third Party Managers;
  • Warehouse & Industrial.


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 it 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
  • Asset specific loss control programs
  • Catastrophic Risk Transfer and Modeling
  • Certificate of Insurance consulting and administration
  • Claims Management & Administration designed for each client’s operations
  • Comprehensive due diligence for mergers & acquisitions
  • Employee Benefit design, brokerage, administration and day to day service
  • Environmental consulting
  • Environmental insurance
  • General Property and Casualty Insurance
  • Group Health Insurance & Employee Benefit’s
  • International programs
  • Lease & Contract Review consulting
  • Limit of Liability Analysis and premium benchmarking
  • Malpractice and Errors & Omissions
  • Pension & Retirement Plans
  • Placing multi-layered insurance programs on catastrophe-driven Portfolios valued in billions of dollars
  • Premium allocation, administration and invoicing
  • Professional Liability including Directors and Officers and Employment Practices
  • Property & Casualty Insurance Brokerage, placement and day to day service
  • Replacement Cost Appraisals and Valuations
  • Risk Management & Loss Control Services
  • Terrorism insurance, modeling and consulting
  • Timely market intelligence updates for our clients
  • 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.

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.
Commercial & Residential Property Vacancy »
Vacant buildings are more susceptible to certain types of damage, and for this reason, most commercial property insurance policies include a vacancy condition that significantly limits or, in some cases, eliminates coverage if the building is damaged.
Renters & Landlords Insurance »
Whether you are a tenant leasing a home or apartment or the owner or landlord of the dwelling, having proper insurance coverage is critical.
Architecture & Engineering
Automotive Related Risks
Construction & Contracting
Cyber Liability
Directors & Officers
Educational Institutions
Employment Practices
Energy Related Risks
Environmental & Pollution Risks
Hospitality & Entertainment
Import/Export & Cargo
Life Sciences
Not For Profit Organizations
Property Owners & Developers
Public Sector Risks
Small Business
Swimming Pool Industry
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