I need auto insurance
We quote options based on vehicles, drivers, use, limits, and deductibles. We also review lienholder requirements when financing applies.
I want an auto quoteADAMAO | Insurance & Risk
Protection for your auto, your home, and your business.
Whether you need a policy, already have insurance and want to review coverage or price, or your business needs to meet insurance requirements, we help you compare options and understand the protection you actually need.
Auto · Home · Renters · Commercial · GL · BOP · Workers’ Comp · Commercial Auto · Umbrella
Since 2016
+2,000 Clients
Certified Agents
Bilingual Support · ONLINEIt’s not just about getting a policy.It’s about being properly protected without overpaying.
We review limits, deductibles, exclusions, discounts, requirements, and total cost to help you find an option that makes sense for your situation.
Start with your situation
What do you need to insure or resolve today?
Choose the situation that best matches yours. We’ll take you directly to the next step.
I need to protect my home
We review the home, replacement cost, personal property, liability, deductibles, and mortgagee requirements to help structure appropriate coverage.
I want to review my home coverageI already have insurance and want a better value
We compare your current policy with other alternatives, considering price, limits, deductibles, discounts, and quality of protection—not just premium.
I want to compare my policyI’m starting or already own a business
We review operations, revenue, location, payroll, equipment, contracts, and exposures to identify which commercial policies may be needed.
I want to insure my businessI need Commercial Auto or business vehicle coverage
We evaluate vehicles, drivers, radius of operation, use, transported goods or tools, and contractual requirements to quote commercial options.
I want a Commercial Auto quoteI was asked for a COI or specific insurance requirements
We review landlord, client, or contract requirements: limits, additional insured, waiver, primary & noncontributory, and other applicable requirements.
I want to review the requirementsPersonal Lines
Protection for what is part of your everyday life
We do not look at each policy in isolation. We review how auto, home, liability, and your assets work together.
AutoLiability limits, comprehensive, collision, deductibles, drivers, and vehicles.
HogarDwelling, personal property, liability, loss of use, deductibles, and mortgagee requirements.
Renters / CondoProtection for personal property, liability, and the specific needs of renters or condo owners.
Umbrella PersonalAdditional liability protection when auto or home limits may not be enough.
Commercial Lines
We protect the business around its real risks.
The right policy depends on what you do, where you operate, who works with you, what vehicles you use, and what your contracts require.
01
We understand the operation
Operations, revenue, payroll, locations, equipment, vehicles, subcontractors, and contracts.
02
We define the coverage
GL, BOP, Property, Workers’ Comp, Commercial Auto, Umbrella, and other coverage when applicable.
03
We review requirements and quote
We validate required limits and endorsements and look for options that balance protection and cost.
Commercial Solutions
Coverage that may be part of your business protection
The right combination depends on the business activity, size, exposure, and specific requirements.
General LiabilityLiability for third-party injury or property damage related to operations.
BOPA package for certain small businesses that may combine liability and commercial property.
Workers’ CompCoverage for workplace injuries and applicable employee-related requirements.
Commercial AutoVehicles used in business operations, subject to use and eligibility.
Commercial PropertyBuilding, contents, equipment, inventory, and other business property as applicable.
Umbrella / ExcessAdditional limits over certain underlying policies when needed.
COI & Additional InsuredSupport understanding and managing certificate and endorsement requirements.
Renovaciones y revisionesWe review changes in exposure, premiums, limits, and requirements before renewal.
Real support
We do more than quote. We help you manage the policy.
After binding, we remain available to help with changes, documents, and important reviews.
Policy changesVehicles, drivers, addresses, lienholders, mortgagees, and other changes as applicable.
COIs and documentsWe guide you with certificates, ID cards, evidence of insurance, and available documents.
Renewal reviewBefore renewal, we review premium, changes, discounts, limits, and possible alternatives.
Claims guidanceWe help you locate your carrier’s claims information and understand what documentation may be needed.
Frequently Asked Questions
The questions that really matter before you insure
What auto liability limits should I carry?
It depends on your assets, exposure, and needs. We can compare limits and deductibles so you understand the difference in protection and cost.
Can I bundle auto and home to save?
In some cases, bundling discounts may be available. We review whether the savings make sense and whether the coverage remains appropriate.
Can you review a policy I already have with another agency?
Yes. We can review limits, deductibles, coverage, and cost to help identify possible gaps or opportunities.
What is a BOP and when might it make sense?
A Business Owners Policy may combine certain coverages for eligible small businesses. Eligibility depends on the type of business and other factors.
Do I need Workers’ Compensation?
It depends on the state, number and type of employees, contracts, and other circumstances. We review applicable requirements before quoting.
When do I need Commercial Auto instead of Personal Auto?
It depends on how the vehicle is used, who owns it, what it carries, and the business activity. We review actual use before recommending a structure.
My landlord or client asked for a COI. Can you help?
Yes. We review the requirements and help identify which limits or endorsements may be needed before issuing the certificate.
What does Additional Insured mean?
It is a condition that may extend certain liability protection to another party under specific terms. It should be reviewed based on the contract and policy.
What are loss runs and why might they be requested?
They are reports showing the claims history of a policy or business. Some carriers request them to evaluate loss experience.
Can you help if my renewal premium increased significantly?
Yes. We can review what changed, confirm coverage and exposures, and compare available alternatives when appropriate.
Tell us what you need to protect.We’ll help you organize the next step.
Message us on WhatsApp. We’ll review your situation and guide you through personal or commercial options that may apply.
Contact Us
Main WhatsApp · +1 (407) 496-9807
English Contact · +1 (945) 867-6449
Office · +1 (469) 809-6023
apply@adamao.global
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Professional guidance for individuals, families, and businesses.