“Small” business in BIG business at Morris & Reynolds Insurance. No matter what type of business you own or operate we can help. 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 client’s 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;


Our professional people offer deep expertise in insuring every type of small business you can imagine, including, but not limited to:


• Air Conditioning System & Repair
• Alignment & Brakes
• Auto Body Repair
• Auto Glass Repair
• Cleaning & Detailing
• Convenience Stores
• Diagnostic
• Electrical & Ignition Service & Repair
• Gas Stations
• General Auto Service & Repair
• Muffler Shops
• Paint Shops
• Quick Lubes
• Radiator Service & Repair
• Sound Shops
• Transmission Service & Repair
• Upholsterers


• Bakery
• Bars
• Coffee Shops
• Delicatessens
• Donut Shops
• Ice Cream Shops
• Restaurants
• Sandwich Shops
• Yogurt Shops


• Accounting & Bookkeeping Firms
• Actuarial Services
• Adjusters
• Appraisers
• Architects, Draftsmen & Engineers
• Artists (Commercial & Graphic)
• Associations
• Attorney’s
• Chiropodists
• Chiropractors
• Dentists & Dental Surgeons
• Educational Consultants
• Financial Planning Consultants
• Insurance Agents
• Interior Decorators
• Marriage Counselors
• Medical Clinics
• Opticians
• Optometrists
• Osteopathic Physicians
• Physicians & Surgeons
• Physiotherapist
• Podiatrist
• Psychologists
• Public Relations Firms
• Real Estate Agents & Brokers
• Tax Return Preparations
• Telephone Answering Services
• Ticket Agencies
• Title Abstract Company
• Travel Agencies
• Veterinarians


• Addressing or Mailing Companies
• Appliance & Accessories
• Bakeries
• Barber & Beauty Shops
• Blueprinting
• Bookbinding
• Business Form Printing
• Copying & Duplicating
• Dental Laboratories
• Dry Cleaners
• Embroidery Shops
• Engraving
• Film Processing
• Funeral Homes & Chapels
• Lithographing
• Microfilming Service
• Pet Grooming
• Photocopying Service
• Photographer’s Studio
• Plant Maintenance Services – Commercial
• Printing & Duplicating
• Shoe Repair
• Silk Screening
• Tailoring or Dressmaking
• Taxidermist
• Television Installation & Repair
• Typesetting
• Uniform, Towel & Linen Services
• Watch, Clock & Jewelry Repair


• Appliance Stores
• Art & Craft Supplies Stores
• Auto Parts & Supplies Stores
• Bakeries
• Barber & Beauty Supplies Stores
• Bath Shops
• Bicycle Shops
• Book & Magazine Stores
• Camera & Photographic Supplies Stores
• Candy, Nut & Confectionery Stores
• Card Shops
• Carpet Stores
• Ceramic Stores
• Cheese & Sausage Specialty Stores
• China & Glass Stores
• Clock Shops
• Coffee, Tea & Spice Stores
• Cosmetic & Perfume Stores
• Craft Shops
• Curtains & Draperies
• Dairy Products Stores
• Department or Discount Stores
• Electric Supplies Stores
• Electronics Stores
• Fabric Stores
• Feed Stores (No mixing)
• Fireplace Equipment Stores
• Florists
• Frame Shops
• Furniture Stores
• Gift shop
• Glass Dealers
• Glass Sales – Window, Plate, or Mirror
• Glassware Stores
• Golf & Tennis Pro Shops
• Hardware Stores
• Hearing Aid Centers or Stores
• Hobby Shops
• Home Furnishings & Accessories Stores
• Home Improvement Supplies
• Jewelry Stores
• Kitchen Accessories Stores
• Lamp & Lighting Fixtures Stores
• Lawn & Garden Supplies Stores
• Leather Goods Stores
• Locksmiths
• Luggage Stores
• Meat, Fish, Seafood, or Poultry Stores
• Music & Video stores
• Musical Instrument Stores
• Office Furniture Stores
• Office Machines & Equipment
• Office Supplies & Stationary Stores
• Optical Goods & Stores
• Paint and Wall Coverings Stores
• Paper & Paper Products Stores
• Pet & Pet Supplies Stores
• Pharmacies
• Piano & Organ Stores
• Plumbing Supplies & Fixtures Stores
• Religious Goods Stores
• Sewing Machines Stores
• Shoe Stores
• Sporting Goods Stores
• Stationary Stores
• Tack Shops
• Trophy Stores
• Vacuum Cleaner Sales
• Wig Shops


• Appliance & Home Furnishing
• Architect’s Supplies
• Art, Craft & Hobby Supplies
• Audio/Visual or TV/Stereo Equipment
• Automobile Parts & Supplies
• Baked Goods
• Baker’s Supplies
• Bar Fixtures & Supplies
• Barber & Beauty Shop Equipment & Supplies
• Bath Accessories
• Beer & Ale Distributors
• Beer Dispensing & Cooling Equipment
• Beverage Dispensing Supplies
• Billiard Equipment & Supplies
• Books & Magazines
• Bowling Land Equipment & Supplies
• Candy, Nut & Confectionery
• Canvas Goods & Supplies
• Ceramic Supplies
• Clothing Apparel
• Coffee & Tea
• Cosmetics, Toiletries & Perfume
• Delicatessen Provisions
• Dental Equipment & Supplies
• Display Fixtures & Materials
• Drafting Room Equipment & Supplies
• Dry Goods
• Electrical Equipment & Supplies
• Fabric or Cloth
• Fencing material
• Floor Covering
• Furniture
• Gardening & Light Farming Supplies
• Hardware
• Hearing Aid Supplies
• Heating & Air Conditioning Equipment
• Home Improvement Supplies
• Janitorial Supplies
• Jewelry
• Juices & Syrups
• Kitchen Accessories
• Lamps & Lighting Fixtures
• Laundry Equipment
• Luggage
• Machine Tools
• Music, Tape, Compact Disc or Records
• Musical Instruments
• Office Machines, Equipment & Supplies
• Optical Goods
• Paint, Wallpaper & Wall Coverings
• Paper & Paper Products
• Pet Supplies
• Photographic Equipment & Supplies
• Plumbing Supplies & Fixtures
• Pottery
• Printing & Book Binding Supplies
• Refrigeration Equipment & Supplies
• Restaurant Equipment
• Rubber & Plastic Stamps
• Sewing Machines
• Shoes
• Sporting Goods
• Store Fixtures
• Stationary Supplies


• Air Conditioning Systems or Equipment
• Appliances
• Automobile Parts & Supplies
• Barber or Beauty Shop Supplies
• Beverages
• Clothing or Wearing Apparel
• Electrical Equipment
• Fabrics
• Floor Coverings
• Hardware & Tools
• Ice
• Janitorial Supplies
• Office Equipment, Fixtures or Supplies
• Office Machines or Appliances
• Paper Products
• Plastic or Rubber Goods
• Printers of Electrotypers Supplies
• Sporting Goods
• Yard & Garden Equipment


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.

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