Miami, FL hello@vminsurance.com

Insurance agency.

VM Insurance leadership portrait

We architect coverage and strategy that protect what you've built — clearly, decisively, and without the fine-print games.

Independent · Award-winning agency
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A full-service independent agency · placing coverage with 40+ carrier partners

Nationwide AIG Prudential MetLife Travelers Chubb The Hartford Zurich
Who we are

We are a bold independent agency based in Miami.

We're dedicated to protection that actually performs — coverage architecture and business strategy built around how you really operate, not a carrier's template.

More about the agency →
12+
Years of independent practice
850+ clients protected across personal and commercial lines.
40+ carrier partners competing for your placement.
98% client retention rate, year over year.

Finding a team that does this well is hard. You just found one.

Four disciplines, one point of accountability. Every engagement gets a dedicated advisor who owns the outcome end to end.

  • 01

    Insurance agency

    Commercial, personal, and specialty lines — placed with the right carrier at the right price, and kept current as your exposure evolves.

  • 02

    Risk management Popular

    We map your exposure, stress-test the gaps, and build a risk framework that holds up when it's actually needed.

  • 03

    Strategy consulting

    Growth doesn't happen by accident. We pressure-test assumptions and build execution plans that survive contact with reality.

  • 04

    Brand protection

    Your reputation is an asset with a balance-sheet value. We protect it with proactive coverage and structured response plans.

Save yourself the time spent hunting for a solution. Contact us now

Case studies

Selected engagements.

Ortega Logistics engagement View
Ortega Logistics Commercial · 2024
Apex Distribution engagement View
Apex Distribution Consulting · 2025
Montes Auto Group engagement View
Montes Auto Group Commercial · 2025
Reid Capital Group engagement View
Reid Capital Group Personal · 2024
Meridian Hospitality engagement View
Meridian Hospitality Consulting · 2024
Executive protection program View
Executive Protection Personal · 2025
View the full portfolio
How we think

Intuition and strategy, backed by research — not guesswork.

We combine human judgment with hard data to build protection that holds — and relationships that last.

Let's talk now
1200+

Policies actively managed across our book.

320+

Consulting engagements completed with measurable results.

24hr

Maximum response time on any client request.

31%

Average premium savings on portfolio restructures.

The team

Forward-thinking advisors, analysts & strategists.

Victor Montes, Principal
Victor Montes
Principal Advisor
Head of Commercial Lines
Daniela Ruiz
Commercial Lines
Head of Strategy
Marcus Bell
Strategy Lead
Client Services Lead
Alina Costa
Client Services
Best Independent Agency — South Florida Business Awards 3× winner
Top Producer Circle — Carrier Partner Recognition 5× honoree
Our journal

Notes from the desk.

Ask us anything →
Coverage review article

Why your renewal quote went up — and what to do about it.

Strategy article

The three gaps hiding in most commercial policies.

Personal lines article

Umbrella coverage: the cheapest peace of mind you can buy.