Commercial insurance strategy
I help established business owners make smarter, more intentional decisions about their commercial insurance program. Based in Tampa, I represent clients nationwide.
About
As an Equity Partner and Commercial Lines Producer at Sihle Insurance Group, I represent business owners in the commercial insurance marketplace. My approach is strategic by design. I work to understand how a business actually operates before recommending how to protect it. The result is coverage that fits, service that matches the way you run your business, and a partner who’s still there when it matters most.
While a generalist, my practice focuses on the areas most agents avoid because they require specialized underwriting knowledge: large property (investor portfolios, condominium associations, developments, and larger buildings or schedules of buildings), construction, marine and other high-hazard casualty exposures, and complex workers’ compensation.
What I care about most is long-term relationships. I want to be the person my clients call first, whether that’s for a renewal, a claim, or the kind of conversation that never quite fits inside a policy form. Outside of work, I spend my time with family, hunting, fishing and watching sports, and I enjoy meeting new people over a good cup of coffee.
Some accounts can be placed by anyone with a quote portal. These cannot. Each one depends on how the risk is presented, structured and marketed.
Investor portfolios, condominium associations, developments, and any larger building or schedule of buildings. Large insured values, wind and flood exposure, and owners and boards who need to know what their limits, valuation and deductibles actually do after a loss.
Framing, roofing, site prep, crane work and marine construction. Contract language, subcontractor controls and loss history decide how these accounts are priced and who will write them.
Classification, experience modification and program structure for employers whose payroll does not fit a standard class code, including Longshore and Harbor Workers’ exposure.
The book
The Commercial Insurance Buyer’s Playbook explains how the commercial market works, why it behaves the way it does, and what a business owner should ask at every renewal. It teaches the what and the why, so you can judge any broker’s advice, including mine.
Client feedback
“He is smart, efficient, and dependable. He looked at my insurance policy, and saw I was not covered right in under two minutes. I trust him with my two businesses.”
“Sam found products for our business when no one else could. Reasonable rates, personal service and super easy changes and updates.”
“Sam Summers is by far the most professional and thorough person I have ever worked with. I started a new business and he was able to write me with more than adequate coverages.”
“I have never waited more than a day to get a response from him… He is a true business partner for your insurance needs, and he will work with you to get you what you need.”
“Sam helped me through the process from start to finish and premiums were a lot less than I expected. I plan to insure my business with Sam indefinitely and you should too.”
“Sam took the time to guide me through the process and get me the exact policy that I needed. I am happy that I went with a person I can meet up with and call any time rather than an anonymous insurance company.”
Free resource
A one-page renewal handout: how to tell whether your agent is representing you or just processing your renewal.
A review is a working conversation about your program. You leave with a clearer picture whether or not we work together.
You send your current program, your renewal date and what worries you. I review it before we speak.
We talk through where the program is exposed, what the market is likely to do, and what to fix before marketing it.
If you choose to work together, I take the account to market under one strategy and manage it through the term.
Speaking
I am available to explain commercial insurance in plain terms to business audiences: what drives pricing, what coverage actually does, and what to do before a renewal.
Request a review
Tell me what you insure and when it renews. I will read it before we talk.