What Premier Protection Insurance Services LLC does

Premier Protection Insurance Services LLC (PPIS) is a privately held independent insurance agency headquartered in Fort Lauderdale, Florida, founded in 2005. The firm operates as a multi-line insurance brokerage placing policies on behalf of clients through a curated panel of 14+ insurance carriers including AIG, Chubb, Travelers, Hartford, Liberty Mutual, Citizens Property Insurance, and several major health and life carriers. Its primary commercial focus is serving high-net-worth commercial real estate (CRE) investors in high-risk coastal Florida markets, with the company publicly stating it insures over $4.5 billion in CRE assets.

The agency's flagship offering is its proprietary Total Asset Optimization (TAO) methodology, a four-step process that integrates real estate investment strategy with insurance placement: organizing and analyzing true risk exposure, auditing for credits and discounts, developing tailored coverage strategies, and conducting ongoing optimization. Beyond TAO, PPIS distributes a broad catalog of standard personal lines (auto, homeowners, boat, high-net-worth, valuable items), commercial lines (property, general liability, business interruption, workers' comp, specialty hospitality and contractors), life and annuity products, individual/group health, and group benefits. The company earns revenue through standard insurance agency commissions on premiums placed with carrier partners, with pricing determined individually per risk profile. Distribution is sales-led and relationship-driven, combining direct field sales from its Fort Lauderdale and Vero Beach offices with strategic referral partnerships to CRE brokers, lenders, and property managers. The firm employs 16+ staff led by CEO Jerry Katz (a CRE entrepreneur with two 8-figure exits) and COO Anthony Santiago (30+ years of operations leadership across $1.5B+ in CRE transactions).

Name

Premier Protection Insurance Services LLC

Legal name

Premier Protection Insurance Services LLC

Website

https://premierprotectioninsurance.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Premier Protection Insurance Services is an independent Florida insurance agency that places personal, commercial, life, and health policies for high-net-worth CRE investors, earning carrier commissions and differentiating through its proprietary Total Asset Optimization (TAO) risk and cost-reduction methodology.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Commercial real estate insurance
• High net worth insurance
• Independent insurance agency
• Risk management consulting
• Property casualty brokerage

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, PPIS earns commissions from insurance carriers for policies placed. Commissions are typically a percentage of premiums written. The company represents multiple insurance companies to find optimal coverage at competitive prices.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Premier Protection Insurance Services is an independent insurance agency that places personal, commercial, life, health, and group benefits coverage with multiple carriers on behalf of Florida clients. Its flagship offering is the proprietary Total Asset Optimization (TAO) four-step process, which audits and restructures insurance portfolios for high-net-worth commercial real estate investors to reduce premiums and align coverage with lender and investment goals. The agency sells through direct field advisors, two Florida offices, and strategic CRE partner referrals.

Product overview

Premier Protection Insurance Services is an independent insurance agency in Fort Lauderdale, Florida, offering a comprehensive portfolio of insurance and risk management solutions. The company's core offering is the proprietary Total Asset Optimization (TAO) process—a four-step methodology integrating insurance strategy with commercial real estate investment goals. The product/service portfolio spans personal insurance (auto, homeowners, boat, high net worth, valuable items, and specialty lines), commercial insurance (property, liability, business interruption, restaurant, workers' compensation), life insurance (term, whole, universal, final expense, annuities), health insurance (individual/family, disability, LTC), and group benefits (health, dental, vision, life, disability, 401k, HSA/FSA). The company operates through relationships with multiple insurance carriers and positions itself as serving high-net-worth real estate investors and CRE industry partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Total Asset Optimization (TAO) Proprietary four-step insurance optimization engagement that audits and restructures insurance portfolios to reduce premiums, increase NOI, and align coverage with CRE investment goals for high-net-worth investors.
• Auto Insurance Personal and commercial vehicle coverage sourced across multiple carriers to keep premiums low while providing adequate liability and physical-damage protection.
• Homeowners Insurance Coverage for primary residences and secondary structures against unexpected events including theft, vandalism, and temporary housing if the home becomes unlivable.
• High Net Worth Coverage Customized insurance plan with wider scope of protection covering multiple homes, valuable collections, art, identity theft, and kidnapping/ransom protection with high liability limits.
• Commercial Property Insurance Coverage for business-owned structures, fixtures, inventory, equipment, and signage against storms, fires, natural disasters, theft, and vandalism.
• General Liability Insurance Protection against third-party bodily injury, property damage, advertising errors, and reputation harm claims arising from business operations.
• Business Interruption Insurance Coverage that pays lost business revenue and ongoing expenses during periods when business operations are halted due to covered disasters.
• Workers' Compensation Insurance Coverage required by law protecting employees against workplace injuries and illnesses, providing medical benefits and lost wages.
• Risk Strategy Management Advisory service providing risk management strategies for commercial enterprises, reviewing business details, and underwriting policies that meet business and financial goals.
• Restaurant & Bar Insurance Custom-tailored hospitality business insurance package including restaurant liability, liquor liability, property, business interruption, foodborne illness coverage, workers' compensation, and EPLI.
• Individual Life Insurance Term and permanent life insurance policies providing federal tax-free death benefits for beneficiaries, used for estate planning, tax-deferred savings, and creating financial legacy.
• Fixed Annuities CD-type investment issued by insurance company providing guaranteed future payments, tax-deferred growth, market downturn protection, and flexible income options for retirement planning.
• Individual & Family Health Insurance Health coverage plans including HMO, PPO, EPO, and POS options with various copays, deductibles, and coinsurance structures for individuals and families.
• Individual Disability Insurance Income protection insurance paying monthly benefits if policyholder becomes incapacitated and unable to work due to illness or injury.
• Group Health Insurance Employer-provided health insurance with potential tax credits for small businesses, designed to attract and retain top talent while managing costs.
• 401(k) Retirement Plans Employer-sponsored retirement savings plans with employee payroll deductions and potential employer matching.
• Strategic Partnerships Program Partnership program for banks, lenders, brokers, property managers, and agents providing preferential carrier rates, 3-month precision audits, and competitive edge for CRE stakeholders.
• Cyber Liability Insurance Coverage for data breaches, cyberattacks, and technology-related liabilities protecting businesses from digital risks.

Quantifiable outcome

• Reduced insurance costs by 30% for real estate investor clients
• +8 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

17 partnerships are on record, tiered core and supporting.

• Commercial Real Estate BrokerscoreStrategic or Co-development PartnerStrategic partnership model where CRE brokers refer clients to PPIS in exchange for preferential carrier rates, 3-month precise audits to eliminate costly errors, and competitive edge to deliver exceptional value to their clients. PPIS helps brokers win listings, boost property value, and close deals by resolving insurance challenges.
• Lenders and BankscoreStrategic or Co-development PartnerPartnership ensuring clients meet DSCR requirements by reducing insurance costs. PPIS aligns policies with lender requirements including wind deductibles and business income coverage. Example: Saved a deal by renegotiating wind deductible from 10% to 5%.
• Property ManagerssupportingStrategic or Co-development PartnerPartnership helping property managers reduce portfolio operating costs, boost NOI, and offer added value by optimizing insurance strategies for compliance and cost savings.
• AIG (American International Group)supportingOthersInsurance carrier partner providing commercial and personal insurance products through PPIS independent agency
• Chubb GroupsupportingOthersHigh-net-worth insurance carrier partner specializing in high-value property and casualty coverage
• Hagerty InsurancesupportingOthersCollector car insurance specialist carrier partner serving classic and exotic vehicle enthusiasts
• Citizens Property InsurancesupportingOthersFlorida-based Citizens Property Insurance Corporation providing coverage options especially in high-risk coastal areas
• Zurich American Insurance CompanysupportingOthersMajor commercial insurance carrier partner providing various commercial lines coverage
• The Hartford Insurance GroupsupportingOthersCommercial and personal insurance carrier partner offering business insurance, workers compensation, and employee benefits
• Travelers Indemnity CompanysupportingOthersCommercial insurance carrier providing business property, casualty, and risk management solutions
• Blue Cross Blue ShieldsupportingOthersHealth insurance carrier partner providing individual and group health coverage options
• UnitedHealthcaresupportingOthersHealth insurance carrier partner offering individual, family, and group health plans
• Metropolitan Life Insurance CompanysupportingOthersLife insurance and employee benefits carrier partner offering individual life, dental, and vision coverage
• New York LifesupportingOthersLife insurance carrier partner providing individual life, annuity, and disability insurance products
• HumanasupportingOthersHealth insurance carrier partner specializing in Medicare and individual health coverage
• Liberty Mutual InsurancesupportingOthersCommercial and personal insurance carrier providing auto, home, and business coverage
• Progressive CorporationsupportingOthersPersonal auto insurance carrier partner known for competitive auto coverage options

Scale indicators7 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Brown & Brown, Inc. Large publicly traded independent insurance agency headquartered in Florida, providing commercial P&C, personal, and benefits solutions. Comparable to PPIS in independent-agency model and Florida origin, though significantly larger in scale and geographic footprint.
• Alliant Insurance Services: Specialty insurance brokerage with significant CRE, real estate, and construction practices. Comparable to PPIS in serving CRE investors with multi-line brokerage and risk advisory services.
• RPS (Risk Placement Services): Specialty insurance brokerage with strong real estate and coastal property expertise. Comparable to PPIS in CRE-focused placement capabilities and specialization in hard-to-place property risks.
• Higginbotham Insurance: Independent insurance agency offering commercial, personal, and employee benefits across multiple states. Comparable to PPIS in independent-broker business model and multi-line product breadth.
• Insurance Office of America (IOA): Florida-headquartered independent insurance agency offering commercial, personal, and benefits lines with strong CRE exposure. Comparable to PPIS in independent-broker model, Florida base, broad carrier panel, and CRE investor focus.
• Heffernan Insurance Brokers: Mid-market independent brokerage with deep CRE and high-net-worth personal lines expertise. Comparable to PPIS in serving commercial property investors and HNW clients with multi-line agency capabilities.

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with extensive commercial P&C capabilities. Comparable to PPIS in brokerage model and commercial client focus, but vastly larger and more diversified.
• USI Insurance Services: Large national insurance brokerage serving middle-market and large clients across commercial and personal lines. Comparable to PPIS in independent-broker DNA but with much broader geographic and product reach.
• Marsh McLennan: Global leader in insurance brokerage and risk advisory serving commercial clients worldwide. Comparable to PPIS as an insurance intermediary and risk advisor, though it operates at enterprise scale with broader portfolio solutions.
• Acrisure: Fast-growing insurance brokerage leveraging partner agencies and technology. Comparable to PPIS as an independent-agency-rooted brokerage, though it operates at significantly larger scale across multiple lines and geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@JerryKatzCEO
• Facebookfacebook.com/ppisflinsurance
• LinkedInlinkedin.com/company/premier-protection-insurance-services-llc/about/?viewAsMember=true
• Instagraminstagram.com/premierprotectioninsurance?utm_source=ig_web_button_sh%20are_sheet&igsh=ZDNlZDc0MzIxNw==

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Premier Protection Insurance Services LLC