WHO WE SERVE

While we are experienced in a variety of industries, our primary focus is in three sectors where thoughtful risk strategy and industry-specific insight make a meaningful difference.

Financial Services

The Financial Services sector faces a higher concentration of professional, regulatory, fiduciary, cyber, and reputational risks which can be extremely detrimental to their financial stability and reputation within the business community. Some examples of some of these organizations include banks, investment advisors, wealth management firms, mortgage companies, fintech firms, accounting firms, and other financial institutions. These entities require a higher level of expertise to develop a robust insurance program, to protect them from claims and lawsuits alleging, among others:

Negligence is the rendering of professional services
Non-Compliance with local, state and federal regulations
Allegations against Directors, Officers and Management
Data breaches exposing Personal Identifiable Information of clients
Employee Dishonesty and Fraud losses
Fiduciary Liability allegations
Wrongful Advice on Mergers & Acquisitions

Higher Education

Higher education institutions have some of the most complex insurance and risk management challenges of any industry. Unlike a typical business, colleges and universities operate as a combination of an educational institution, employer, landlord, healthcare provider, event venue, housing provider, and athletic organization. As a result, insurance programs for higher education institutions often require a highly coordinated approach that addresses a broad spectrum of operational, regulatory, financial, and reputational risks, including but not limited to:

Discrimination claims from students or employees
Non-Compliance with local, state and federal regulations
Inadequate campus security
Breach of student records data
Injuries arising out of Athletic Programs
Negligence in the rendering of medical services
International exposures to students and faculty

Restaurant Industry

The retail Food & Beverage Industry presents a complex combination of risk exposures on both, the Liability and the Property aspects of the business. Multi-location structures and extended operating hours, disruptions in the supply chain, as well as the variety of ownership structures for this type of operation, add to the challenges this industry faces. Some of the nuances that are essential to consider when designing a risk management and insurance program include, but are not limited to:

Liquor Liability exposures unique to the industry
Claims from employees for accidents or labor practices
Foodborne Illness and Contamination claims
Food Spoilage due to refrigeration equipment malfunction
Data breaches through POS systems and ordering platforms
Delivery or Catering added risks, including automobile claims
Loss of Income due to interruption of operations

Let’s talk about your risk and insurance needs!

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Our Value Proposition

Managing business risk is about more than buying an insurance policy. It requires a clear understanding of your operation, your exposures, and the strategies available to protect your business over time.

At Biz Insurance Only, we begin with a thoughtful review of your risk profile and your current insurance program. From there, we help you identify coverage gaps, strengthen risk transfer strategies, and evaluate practical solutions that may include insurance, contractual risk transfer, loss-control measures, and other tools that support business continuity and financial stability.

Our role is not simply to place a policy. It is to help you make better risk decisions, structure stronger protection, and move forward with greater confidence.

Meet our Founder

With more than four decades of experience across claims, legal matters, and commercial insurance, Manny brings a broader perspective to the way businesses evaluate and manage risk. That experience allows Biz Insurance Only to help clients structure stronger programs, uncover coverage gaps, and navigate complex claims with greater confidence.

Manny’s passion has always been designing and implementing insurance programs for commercial operations. While working for national brokerage firms, his duties included managing insurance programs for financial institutions in Puerto Rico and the U.S., with a special focus on their executive liability programs. He enjoys developing customized risk management programs with each client and, when necessary, assisting them with resolving complex claims.

At end of 2025 Manny decided to put his vast experience to work on behalf of his clients, this time by opening his own commercial insurance agency, based out of Fort Lauderdale, Florida.

If you are a business owner or corporate officer looking for ways to improve your approach to managing risk, connect directly with Manny at Manny@bizinsuranceonly.com

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Coverage Solutions We Use to Support Your Risk Strategy

Business owners and corporate officers face the constant challenges of running a business. They are skilled at making their business thrive, but when it comes to evaluating the risks faced by their operations, they may not have all the necessary tools required to mindfully protect their financial interests. A trusted advisor with vast knowledge and experience in insurance contracts is vital, but insurance is just one of several tools we use to help clients manage and transfer risk. Depending on your operation, your industry, and your growth strategy, your program may include insurance solutions such as the following:

The essential lines of coverage required to protect a business operation include:

Commercial General Liability
Commercial Property
Businessowners Insurance / Commercial Package
Workers’ Compensation
Commercial Auto
Commercial Umbrella / Excess Liability
Cyber Liability

Additional lines of coverage that may be required, depending on the nature of the operation, include:

Directors & Officers
Employment Practices Liability
Professional Liability / Errors & Omissions
Fiduciary Liability / ERISA Bond
Surety Bonds
Commercial Crime
Boiler & Machinery / Equipment Breakdown
Builders Risk

Contact Us

Info@bizinsuranceonly.com

Office: (954) 947-3170
Fax: (954) 229-1561

1451 W Cypress Creek Road, Suite 300
Fort Lauderdale, FL 33309